PayPal / Bank FX Conversion vs Airwallex Global Business Account
Estimate what moving from PayPal / Bank FX Conversion to Airwallex Global Business Account costs over 12 to 36 months, including the one-time switch. Then remap your exported CSV headers.
Why teams look at this switch: International FX conversion and settlement fees compared with Airwallex
Cost calculator
Enter a number from 1 to 4,000,000. The result is hidden until the value is valid.
This number is outside the slider's range; the calculator uses the number you typed.
Enter 0 or a positive number. The result is hidden until the value is valid.
Enter 0 or a positive number. The result is hidden until the value is valid.
Default rates are Tiersova placeholders for a typical setup, not published PayPal / Bank FX Conversion or Airwallex Global Business Account prices. Replace them with your own quote.
PayPal / Bank FX Conversion: one blended placeholder rate covers the vendors named together; check each vendor's own pricing.
Reference price ladder
Partly reference prices, checked 24 Oct 2026. List prices in USD; converted prices are explained in the assumptions. Prices exclude VAT and other taxes, change over time and differ by region and contract. Confirm on the vendor's page before you decide.
| Plan | Monthly billing | FX allowance | Above allowance |
|---|---|---|---|
| Explore | $0 | $0 | 0.5% |
Assumptions
- Current side is illustrative: $30/mo fees + 3.9% conversion spread (typical PayPal/bank retail FX).
- Airwallex Explore (US): no monthly fee, plus 0.5% above interbank for major currencies (1% for others). In some regions Explore carries a monthly fee unless waived.
- No documented Airwallex weekend surcharge; the weekend share only affects sides that publish one.
CSV header mapper
Rename exported PayPal / Bank FX Conversion column headers to suggested Airwallex Global Business Account column names, for reporting or manual data preparation. Not an official Airwallex Global Business Account import format. It runs in your browser. Headers are renamed and the values in kept columns stay unchanged; columns that look like passwords or other secrets are removed.
Renamed headers do not make a file import-ready. Check whether and how Airwallex Global Business Account accepts such data before importing, and create any custom fields there first.
| PayPal / Bank FX Conversion column | Airwallex Global Business Account column | Field type |
|---|---|---|
| Beneficiary_Name | recipient_name | Suggested |
| Bank_Country | country_code | Suggested |
| Account_IBAN | iban_or_acct | Suggested |
| Payment_Currency | currency | Suggested |
| Payment_Amount | transfer_amount | Suggested |
When moving to Airwallex Global Business Account makes sense
- The comparison above shows a saving at your own volume, after the switching cost.
- Your team can finish the CSV import and onboarding within the switching budget you entered.
- You have checked that Airwallex Global Business Account's plan covers the integrations and compliance rules you need.
When staying on PayPal / Bank FX Conversion is the better call
- The one-time migration, re-integration or retraining cost is larger than 12 to 24 months of savings.
- You are inside a multi-year PayPal / Bank FX Conversion contract with early-termination fees.
- Your workflow relies on add-ons or features Airwallex Global Business Account does not support yet.
How the result changes with volume
Twelve-month totals at half, the same and double the volume you entered above, with the other settings you chose (plan, billing, multiplier, switching and extra costs).
| Volume (Monthly Cross-Border Spend ($/€)) | PayPal / Bank FX Conversion | Airwallex Global Business Account | 12-month difference |
|---|---|---|---|
| 50% volume (12,500) | $518/mo | $63/mo | +$3,410 |
| Your volume (25,000) | $1,005/mo | $125/mo | +$8,510 |
| 200% volume (50,000) | $1,980/mo | $250/mo | +$18,710 |
≈ = above the last published price tier, so the amount is extrapolated.
Questions
How is the total cost of PayPal / Bank FX Conversion and Airwallex Global Business Account compared?
Each side's monthly cost is multiplied by the months in the horizon, and the one-time switching cost is added to Airwallex Global Business Account. At the default volume (Monthly Cross-Border Spend ($/€): 25,000), the model gives about $1,005 per month for PayPal / Bank FX Conversion and $125 per month for Airwallex Global Business Account.
How do PayPal / Bank FX Conversion CSV headers map to Airwallex Global Business Account?
The mapper renames PayPal / Bank FX Conversion columns (Beneficiary_Name, Bank_Country, Account_IBAN, Payment_Currency, Payment_Amount) to Airwallex Global Business Account columns (recipient_name, country_code, iban_or_acct, currency, transfer_amount) in your browser. Custom fields must exist in Airwallex Global Business Account before you import.
When should a company stay on PayPal / Bank FX Conversion?
Stay if the one-time switching, integration or contract-exit cost is larger than the savings over the horizon you care about. The calculator shows that case as a negative result.