Aspire
Payments Verified May 2026
Aspire deal: Free Basic plan + partner onboarding
All-in-one multi-currency business account, corporate cards, and spend management for APAC startups — free Basic tier with 1% cashback on ads and SaaS.
- Genuinely free Basic tier
- 1% cashback on ads and SaaS adds up fast
- Real expense management, not just cards
- Yield on idle USD up to 3.45%
How Aspire scored 78/100
6 weighted criteria, each scored out of 10 and published with its reasoning. Featured placements never move a score.
Deal Strength
8.0 /10The Basic plan is genuinely free at $0/month, with multi-currency accounts and 200 virtual cards included, and the partner route adds onboarding help. Nothing here expires into a paid trial.
Value for Money
8.0 /10Basic gives you multi-currency accounts, unlimited virtual cards, expense management and 1% cashback on ads and SaaS spend at $0/month. Premium at $15/month adds international transfers and more cards, and the cashback covers that for real spenders.
Capability
8.0 /10An all-in-one business account built for APAC startups: SGD, USD, GBP and EUR accounts, unlimited virtual corporate cards, built-in expense management, 1% cashback, treasury yield, payroll and global payouts.
Time to Value
8.0 /10The free Basic plan opens multi-currency accounts and virtual cards straight away, and the partner link adds white-glove onboarding, so most teams are transacting within hours of applying.
Trust & Reliability
8.0 /10Aspire is licensed under Singapore's Payment Services Act 2019, customer funds are custodied at DBS, and it partners with Visa, Citi and JPMorgan. That is regulated and bank-backed rather than a thin fintech wrapper.
Flexibility & Exit
5.0 /10Basic stays free at $0/month and Premium is $15/month, so little holds you financially. Aspire does not document cancellation steps or how you export transaction data, which matters once your books live here.
Free Basic plan + partner onboarding
New customers signing up via the partner link unlock the free Basic plan plus white-glove onboarding. Pricing (2026): Basic $0/mo (multi-currency accounts, 1% cashback on ads/SaaS, up to 200 virtual cards, 5 free spend users); Premium $15/mo (adds 5 free international transfers, 300 virtual cards, 10 free spend users, 24/7 chat). Verify current terms at signup.
Affiliate link — same price for you, and it never moves the score.
- Genuinely free Basic tier
- 1% cashback on ads and SaaS adds up fast
- Real expense management, not just cards
- Yield on idle USD up to 3.45%
About Aspire
Quick answer
Aspire is an all-in-one business account for APAC startups: multi-currency accounts (SGD, USD, GBP, EUR), unlimited virtual corporate cards, built-in expense management, and 1% cashback on ads and SaaS spend. The Basic plan is $0/month forever with up to 200 virtual cards; Premium is $15/month and adds 5 free international transfers, 300 virtual cards and 24/7 chat. Aspire is licensed under Singapore's Payment Services Act 2019 with funds custodied at DBS. Open a free account through the partner link for white-glove onboarding.
Start with the money: what 1% cashback actually returns
The headline that makes Aspire one of the highest-ROI sign-ups in the entire startup stack is the cashback. It applies to ad and SaaS spend run through Aspire Visa cards — exactly the spend a growing startup can't avoid. The math is the pitch:
A startup burning $20,000/month across Google, Meta and AWS gets roughly $200/month back — which pays for Premium more than thirteen times over, and on Basic it's pure upside at $0/month. That's before you count the yield on runway sitting idle between bills. Scale that across a year and the cashback alone is $2,400 of recovered spend on a category — ads and SaaS — you were always going to pay for anyway. There's no spend you're inventing to chase a reward; you're just routing existing, unavoidable bills through a card that happens to pay you 1% back. For a bootstrapped or seed-stage company watching every dollar of runway, that's one of the rare "free money" line items in the whole startup toolchain.
Aspire pricing in 2026 — Basic vs Premium
| Basic — $0/mo forever | Multi-currency accounts (SGD, USD, GBP, EUR), 1% cashback on ads/SaaS, up to 200 virtual cards, 5 free spend users ($4 per additional) |
|---|---|
| Premium — $15/mo | Everything in Basic, plus 5 free international transfers/month, up to 300 virtual cards, 10 free spend users, and 24/7 live chat |
Most startups can run on Basic indefinitely. Premium earns its keep the moment you make more than ~5 international transfers a month or want 24/7 support and a bigger free-user allowance — and as the cashback math above shows, real ad spenders cover the $15 many times over.
Built for the APAC startup reality
Aspire's regional focus isn't a limitation to apologise for — it's the reason it fits so well for the companies it targets. A Singapore or Hong Kong startup that bills US clients, pays an Indonesian dev team, and runs ads in SGD and USD has a genuinely messy money setup. The default US neobanks (Mercury, Brex) and EU players (Qonto) don't really serve that geography, and a traditional regional bank makes you wait weeks for a corporate card and charges for every FX leg.
Aspire is built around that exact workflow: multi-currency as a first-class feature rather than a bolted-on FX gimmick, payroll that understands APAC quirks, global payouts across 130+ countries, and a card-plus-expense layer that means you're not also paying for a separate Spendesk or Pleo. For a lean team, collapsing the bank, the cards, and the spend-management tool into one app is worth as much as the cashback — it's one login, one reconciliation flow, one vendor relationship instead of three.
What's inside the Aspire stack
Multi-currency accounts
Hold and transact in SGD, USD, GBP and EUR as first-class currencies — not a bolted-on FX afterthought.
Virtual & physical cards
Up to 200 (Basic) / 300 (Premium) virtual corporate cards, plus physical cards on request — issue one per vendor or campaign.
Expense management
Budgets, approvals and receipt capture live in the same app — replacing a separate spend-management subscription.
Treasury / yield
Earn up to 3.45% on idle USD balances so runway between bills isn't sitting dead.
Global payments & payroll
Pay across 130+ countries and run an APAC-aware payroll module from the same account.
Xero + accounting API
Native Xero integration plus an open API — card transactions, bills and FX events reconcile automatically.
Is Aspire safe? Regulation and custody
For anything holding your company's money, the licensing matters more than the features. Aspire's posture:
| Licence | Singapore's Payment Services Act 2019 |
|---|---|
| Funds custody | Customer funds held with DBS Singapore — not commingled |
| Partners | Citibank, JPMorgan and Visa |
| Card network | Visa (cashback applies to Visa-card spend) |
How to actually capture the cashback
The one gotcha: cashback only triggers on spend run through the Aspire Visa cards. Bank-transfer payments don't qualify. So the play is to route the right spend onto the card.
When to stay on Basic, when to go Premium
One genuinely good thing about Aspire is that the free tier is not a crippled teaser — multi-currency accounts, 200 virtual cards, the full 1% cashback, and expense management are all on Basic at $0. Most early-stage teams can run on it indefinitely and never feel pushed. The honest upgrade triggers are narrow and specific: you make more than five international transfers a month (Premium includes five free, then per-transfer fees apply on Basic), you want 24/7 live chat rather than standard support, or you've outgrown the five free spend users and don't want to pay $4 each for more.
That's a refreshingly clean upgrade path — you pay the $15 when a concrete need appears, not because the free tier was quietly nerfed to force you. And for any team spending real money on ads, the cashback covers the $15 many times over regardless, so the decision is really just "do I need the extra transfers and support?" In short: start free, upgrade only when a specific limit bites.
Aspire vs Wise Business vs Airwallex
| Tool | Strength | Gap | Cost shape |
|---|---|---|---|
| Aspire | Account + cards + expense mgmt + yield + 1% cashback, one app | APAC-focused, not global | Free Basic / $15 Premium |
| Wise Business | Excellent FX rates | No spend management | Per-transaction |
| Airwallex | Closer all-in-one fit | Pricier, enterprise-leaning | Tiered, higher |
Wise Business has great FX but no spend management; Airwallex is a closer fit but pricier and enterprise-leaning. Aspire bundles account, cards, expense management and yield in one app at a free or near-free price — the most complete APAC stack for the money.
Watch Aspire in action
✓ Use Aspire if you:
- Operate in Singapore, Hong Kong or broader SEA
- Spend real money on Google, Meta, TikTok, LinkedIn or AWS
- Want multi-currency, cards and expense management in one app
- Have idle USD runway you'd like to earn yield on
✗ Skip it if you:
- Are a US or EU founder (look at Mercury, Brex or Qonto)
- Wire far more than 5 international transfers/month (watch per-transfer fees)
- Pay everything by bank transfer (cashback is Visa-card only)
- Need a banking footprint outside APAC
What's included
- Multi-currency business accounts (SGD, USD, GBP, EUR)
- Unlimited virtual corporate cards (up to 200/300)
- Physical corporate cards on request
- 1% cashback on ads and SaaS spend (Basic and Premium)
- Built-in expense management and budget controls
- Invoice and bill payment workflows
- Yield/treasury product (up to 3.45% on USD balances)
- Global payments across 130+ countries
- Payroll module for APAC employers
- AI-powered analytics dashboard
- Native Xero integration plus accounting API
- Licensed under Singapore’s Payment Services Act 2019; DBS funds custody
Aspire pricing
Verified May 2026. Vendor's published rates at the time we checked — always confirm at checkout.
| Plan | Price | Term | What you get |
|---|---|---|---|
| Basic | $0 | forever | Multi-currency accounts (SGD, USD, GBP, EUR) · 1% cashback on ads and SaaS spend · Up to 200 virtual cards · 5 free spend users ($4 per additional) |
| Premium | $15 | per month | Everything in Basic · 5 free international transfers monthly · Up to 300 virtual cards · 10 free spend users + 24/7 live chat |
How to claim it
4 steps. The last one is the part most people skip.
- 1
Open Aspire through the link on this page
It carries our referral tag. The price you pay is identical either way, and it never changes the score on this page.
- 2
Pick the plan that matches your usage
This offer applies automatically through the link — there is no code to enter.
- 3
Confirm the discount before you pay
The order summary should show the reduced amount. If it does not, stop and tell us — we re-test listings that stop working.
- 4
Check what happens at renewal
New customers signing up via the partner link unlock the free Basic plan plus white-glove onboarding. Pricing (2026): Basic $0/mo (multi-currency accounts, 1% cashback on ads/SaaS, up to 200 virtual cards, 5 free spend users); Premium $15/mo (adds 5 free international transfers, 300 virtual cards, 10 free spend users, 24/7 chat). Verify current terms at signup.
Where Aspire wins and loses
What works
- Genuinely free Basic tier $0/month, multi-currency accounts, and 200 virtual cards is more than most banks offer at any price.
- 1% cashback on ads and SaaS adds up fast A startup burning $20K/month on Google, Meta, and AWS gets $200/month back — pays for Premium 13x over.
- Real expense management, not just cards Budgets, approvals, and receipt capture sit inside the same app — no separate Spendesk or Pleo subscription needed.
- Yield on idle USD up to 3.45% The treasury feature lets working balances earn — meaningful for any startup with runway sitting between bills.
- Regulated and bank-backed Licensed under Singapore’s Payment Services Act 2019, with funds held at DBS Singapore and partnerships with Citibank, JPMorgan, and Visa.
- Built for APAC reality Multi-currency is first-class (not bolted on), payroll handles APAC quirks, and the product knows the SG/HK/ID/VN/PH startup playbook.
What doesn't
- APAC-focused, not global Strongest for SG, HK, and broader SEA — US and EU founders should look at Mercury, Brex, or Qonto instead.
- Premium is needed for serious international transfers 5 free transfers/month on Premium is generous; if you wire more than that, per-transfer fees apply.
- Cashback is on Visa cards only You have to actually run spend through the Aspire card to capture the 1% — bank-transfer payments don’t qualify.
The bottom line
Aspire offers a genuinely free Basic plan with valuable cashback and multi-currency accounts, making it highly cost-effective for APAC startups.
Startups, agencies, ecommerce brands, and SMBs operating across Singapore, Hong Kong, Indonesia, Vietnam, the Philippines, and the rest of APAC. Particularly strong for any team spending real money on Google, Meta, or AWS — the 1% card cashback compounds fast.
Basic is $0/month forever with multi-currency accounts, 1% cashback on ads/SaaS, and up to 200 virtual cards. Premium is $15/month and adds 5 free international transfers, 300 virtual cards, 10 free spend users, and 24/7 chat.
Aspire is licensed under Singapore’s Payment Services Act 2019. Customer funds are held with DBS Singapore, and the platform partners with Citibank, JPMorgan, and Visa — funds are not commingled and are bank-custodied.
Wise Business is a multi-currency account with great FX but no spend management. Airwallex is a closer fit but pricier and enterprise-leaning. Aspire bundles account + cards + expense management + yield in one app at a free or near-free price — the most complete APAC stack for the money.
1% cashback applies to ads (Google, Meta, TikTok, LinkedIn) and SaaS spend made on Aspire Visa cards. Bank-transfer payments don’t qualify — so route ad accounts and SaaS subscriptions to the Aspire card to capture it.
Yes — Aspire offers a treasury product with rates up to 3.45% on USD balances (subject to current market rates and terms). Useful for runway sitting between bills.
Yes — native Xero integration plus an open API for other accounting platforms. Card transactions, bills, and FX events sync automatically.
