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Airwallex vs Mercury: startup credits compared

Side-by-side amounts, eligibility and access paths, both verified against the official program pages.

AirwallexFee-free first AUD/NZD 100k of payments and FX + 3 months Grow (seed); GBP 10k fee-free in the UKVerified Nov 3, 2026MercuryPartner perks for Mercury customers (e.g. $5,000 AWS, $10,000 GitHub, 6 months Notion)Verified Nov 3, 2026

At a glance

FactAirwallexMercury
ValueFee-free first AUD/NZD 100k of payments and FX + 3 months Grow (seed); GBP 10k fee-free in the UKPartner perks for Mercury customers (e.g. $5,000 AWS, $10,000 GitHub, 6 months Notion)
TypeCredits + discountCredits + discount
DurationNot statedNot stated
StagesPre-seed, Seed, Series APre-seed, Seed, Series A, Series B+, Bootstrapped
RegionsAustralia, NZ, GB, Singapore, HKUnited States
Max funding raisedNot statedNot stated
Max company ageNot statedNot stated
Ways to get it
  • Apply directly — AU seed: 3 months Grow free + fee-free first AUD 100k payments and FX
  • Apply directly — NZ seed: 3 months Grow free + fee-free first NZD 100k payments and FX
  • Apply directly — UK: 0% fees on first GBP 10,000 of payments and FX, 2% cashback on first GBP 10,000 card spend
  • Cyberport, HKSTP, AppWorks, SparkLabs (Hong Kong) — HK: waived gateway fees on HK$300,000 over 6 months
  • Apply directly — Full perks catalogue in the Mercury dashboard
Requirements
  • Registered business in a supported market with an active Airwallex account
  • New Airwallex customer
  • Venture-backed, pre-seed to Series A (external funding prioritised)
  • US-incorporated company with an approved Mercury account
  • Qualified customer status for each perk (partner terms apply)
Not eligible
  • Existing Airwallex customers
  • Businesses outside the program's launch markets
  • Hong Kong companies not affiliated with a listed ecosystem partner
  • Perks with partner gates you do not meet (e.g. bootstrapped companies for the GitHub perk)
  • Existing customers of a partner where the perk is new-customer only
VerificationPartially verified· Nov 3, 2026Partially verified· Nov 3, 2026

Which should you pick?

The two programs are not directly comparable on dollar value. Mercury accepts a wider range of funding stages, while Airwallex is more targeted. If you qualify for both, there is usually no reason not to apply to both; the programs are independent.

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