Airwallex vs RappiPay.
Airwallex (A77/100) and RappiPay (R50/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Airwallex leads RappiPay 7-0.
| A Airwallex №14 · FCA 77 /100 | R RappiPay №78 · PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 77 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.40% | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FCA | Payment inst. |
| Deposit guarantee Per depositor | €100,000 SG.SDIC | Safeguarded CO.FOGAFIN |
| Reach | ||
| Markets served Licensed jurisdictions | 50 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.0 ★ 5k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.3 ★ iOS 4.3 · And 4.2 |
| Read review → | Read review → | |
Pick Airwallex if…
The global multi-currency payments and operating-account platform with the broadest footprint in the SMB category — 23 currencies, local accounts in 10+ jurisdictions, local-account receiving in 60+ countries, multi-jurisdiction licensing (AU AFSL + MAS MPI + HKMA MSO + FCA EMI + US state money-transmitter), volume-based FX pricing, and issuing API for embedded card programmes. Structurally the most comprehensive cross-border AP / AR platform in the category, sitting between Wise Business (consumer-and-SMB cross-border) and Stripe (acquiring + payments) in the global-SMB stack. The embedded-finance API is the structural moat versus Aspire and Wise Business — marketplaces and SaaS platforms build payouts and card-issuing on Airwallex infrastructure rather than running multiple regional bank relationships.
Pick RappiPay if…
Embedded fintech wallet inside the Rappi super-app. Davivienda partnership provides the underlying bank licence — RappiPay itself is a PSP. Pan-LatAm distribution via Rappi (CO + MX + BR + CL + PE + EC). Strongest super-app distribution channel for retail banking in LatAm.
- Best for fees Airwallex won 1 of 4
- Best for protection Airwallex won 2 of 2
- Best for reach Airwallex won 1 of 3
- Best for ux Airwallex won 2 of 2
Airwallex vs RappiPay — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Airwallex better than RappiPay?
Under our v3 methodology, Airwallex leads RappiPay 7–0 across 12 dimensions. Composite scores: Airwallex 77/100 vs RappiPay 50/100. Airwallex is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Airwallex or RappiPay cheaper?
Monthly fee — Airwallex: €0; RappiPay: €0. Card FX markup — Airwallex: 0.40%; RappiPay: 3.00%. Airwallex wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Airwallex or RappiPay?
Airwallex holds a Partner-bank licence under FCA; deposit guarantee per depositor: €100,000. RappiPay holds a Payment inst. licence under PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda (FOGAFIN member, full-bank cover). RappiPay itself does not hold a bank licence. // TODO(verify).; deposit guarantee per depositor: Safeguarded. Airwallex is the stronger pick on regulatory protection.
Where can I use Airwallex and RappiPay?
Airwallex operates in 50 countries; RappiPay operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
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