Airwallex Yield - What is it and How Does it Work?

Airwallex Yield helps UK businesses to maximise their multi-currency balances. It allows you to generate returns without locking funds away for a set period. This means you can access your money whenever you need it, offering both flexibility and liquidity.

In this guide, we’ll explore how Airwallex Yield works, its benefits, and how you can join the waitlist if you’re in the UK. Whether you’re already an Airwallex customer or considering becoming one, this guide will provide you with all the information you need to make the most of Airwallex Yield.

And while you're here, check out Wise Business, an international business account that allows you to earn interest in GBP, USD and EUR.

💡 Learn more about Wise Business

What is Airwallex Yield?

Airwallex Yield is a financial service by Airwallex designed to help its customers earn money in their multi-currency wallet.

Airwallex Yield allows customers to securely generate returns on their multi-currency balances. Airwallex ensures this by investing in low-risk money market funds without minimum lock periods. This means you can access your money whenever you need it, as there is no need to lock your money away for a certain period.

Airwallex was founded in 2015 by five co-founders: Jack Zhang, Max Li, Lucy Liu, Xijing Dai, and Ki-lok Wong in a cafe in Melbourne, Australia. At the time, the founders had invested in a coffee shop in Melbourne and noticed how expensive and time-consuming cross-border payments were, especially for small businesses.

To solve this problem, they created Airwallex, a financial technology platform to facilitate transactions beyond borders and restrictions. Today, Airwallex provides cross-border payments, helping businesses receive, send, and hold money in multiple currencies without having different bank accounts. Airwallex also offers a range of other services such as FX, expense management systems, corporate cards, and integration with e-commerce partners.

Note: As of the time of writing this article, Airwallex Yield isn’t available in the UK yet, However, you can join the waiting list and get notified once the service is available in the UK.

If you are shopping for a multi-currency account that allows you to earn interest in multiple currencies, get to know Wise Business. It’s a convenient, low-cost way to send, spend and receive money in 40+ currencies.

But Wise also gives you something back - simply turn on Wise Business Interest and you can get a 3.74% variable rate on your GBP balance. Your money is invested in an interest-earning fund that holds assets guaranteed by the government. Capital at risk. Current rates do not guarantee future growth.

Variable rate is based on 7 day performance as of 14 of Mat 2025. This fund has returned an 0.93% annual average over the last 5 years, excluding Wise and fund manager fees. See full 5 year past performance of funds.

Get started with Wise Business 🚀

Is Airwallex safe?

Yes, Airwallex is safe to use. This financial company provides a wide range of security features that protect its customers' data and money.

Airwallex is licensed and regulated by financial authorities, including in the UK. This financial institution is licensed by the Financial Conduct Authority (FCA) in the United Kingdom under the Electronic Money Regulations 2011¹. This license ensures that customers' funds are kept separate from the company’s funds.

Additionally, there's two-factor authentication (2FA), which provides an additional layer of security². 2FA protects you against the risk of fraud and unauthorised access, as cybercriminals need more than your password to access your account.
Airwallex also provides other security features such as:

• Payment Card Industry Data Security Standard (PCI DSS) for securely processing credit card payments.³
• Round-the-clock security monitoring to protect customers against attackers.³
• Data encryption protects users' sensitive information, such as personal and financial data, from cybercriminals. ³
• Service Organisation Control (SOC)2 Type II, which ensures that customers’ data is protected.³

How does Airwallex Yield work?

You can access Airwallex Yield using the Airwallex app or website. Once you're logged in, you can move money from your cash balances into your Yield account as you please.

After depositing funds into your Yield account, your money accrues returns daily, and you can track the yield across different currencies. Airwallex invests your funds in the JP Morgan Liquidity Funds, money market funds.⁴

The Airwallex Yield account doesn’t require a minimum lock-up period. This means that you can withdraw money from the yield account without any restrictions or penalties.

This account currently supports AUD and USD. Settlements from your Yield account to your cash balance usually take 1 to 3 business days.⁴

At the time of writing, Airwallex Yield offers an interest rate of up to 3.91% on funds in USD and 3.82% on funds in AUD.⁵ Airwallex Yield does not offer any interest rate to funds in GBP at the moment.

How to join the waitlist for Airwallex Yield?

Both new and existing Airwallex customers in the UK can register to join the Airwallex Yield through the waitlist form. Getting on this waitlist gives you early access to Airwallex when it's available in your region.

To get on the waitlist, fill out your details on the Airwallex website or app. You will receive updates about Airwallex Yield availability when it's ready in the UK.

Discover Wise Business interest

In the UK, there are numerous business account providers that businesses can choose from. Wise Business is one of the alternatives to Airwallex that you may want to consider.

If you open a Wise Business multi-currency account for your business, you can hold money in 40+ currencies, send money to 140+ countries, and spend money in 150+ countries.

You can also use the Wise Interest feature to earn a return. What is best? This feature is already available for all Wise Business customers. Your money is invested in an interest-earning fund that holds assets guaranteed by governments. The assets follow the Bank of England’s interest rate so when that rate changes so does yours. There’s a small annual fee of 0.56% for this account and while your investment isn’t guaranteed, the risk is low.

Get started with Wise Business 🚀

FAQs - Airwallex Yield

What currencies can I earn returns on with Airwallex Yield?

At the time of writing, you can earn returns on multiple currencies on Airwallex Yield, such as US Dollars (USD) and Australian Dollars (AUD).⁶ Airwallex Yield is not available for UK-based users and doesn’t support earning returns in GBP.

Is there a minimum investment to join Airwallex Yield?

When Airwallex Yield launched in Australia, it required the wholesale Airwallex Yield fund to have a minimum investment of AU$ 500,000 or the USD equivalent.⁷

However, on getting the Australian Financial Services Licence (AFSL) license, Airwallex could expand to a broader retail market with the minimum investment threshold lowered to AU$ 10,000 (or USD equivalent). ⁸

Airwallex Yield provides a flexible way to earn returns on your multi-currency accounts without locking your funds for a certain period. To get on board and gain early access to the service when it launches, join the waitlist now.

Sources used in this article:

Sources last checked 24/06/2025