Aspire business account review, fees, eligibility and availability

Snapshot

Aspire is a financial technology company that offers multi currency business accounts, cards, and payments aimed at companies across Asia and a few other markets. It markets a Basic plan with no monthly fee. Aspire is a fintech, not a bank. As of 3 June 2026.

Who it suits: Incorporated businesses in supported Asian markets that want a digital multi currency account, cards, and low cost international payments without a traditional bank relationship.
Broadly available in: A set of markets centred on Asia, including Singapore and Hong Kong, plus others and the United States. The list changes. As of 3 June 2026.
Headline monthly fee: Basic plan with no monthly fee and no minimum balance. A paid plan recently about 15 Singapore dollars a month adds extra transfers and better foreign exchange. As of 3 June 2026.
Account type: Multi currency business account provided as a fintech through licensed partners. Aspire is not a bank.

Fees and features as of 3 June 2026Last reviewed 3 June 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Aspire is a financial technology company that offers multi currency business accounts, cards, expense tools, and international payments, built mainly for incorporated companies across Asia. It is not a bank, so money is held under payment or electronic money rules through licensed partners rather than as a bank deposit. Aspire markets a Basic plan with no monthly fee and a paid plan that adds free international transfers and better foreign exchange. Supported countries of incorporation change over time and onboarding is fully online. Figures here are shown as of 3 June 2026. Verify current terms with Aspire.

Overview

Aspire provides a digital business account with multi currency wallets, physical and virtual cards, payments, and expense management, aimed at incorporated companies in the markets it supports. It is a financial technology company rather than a bank, and works with licensed financial partners to hold and move money. The product centres on Asia, with Singapore and Hong Kong among the established markets, and onboarding is fully online with identity and company checks. As of 3 June 2026.

Strengths

A Basic plan with no monthly fee and no minimum balance, multi currency accounts with competitive conversion that has started from a low margin for instant conversion, fast online onboarding, and cards plus expense tools in one place. As of 3 June 2026.

Limitations

Aspire is a fintech, not a bank, so funds are not held as bank deposits and deposit insurance does not apply in the way it would at a licensed bank. It is built around a defined list of supported markets, so it is not available everywhere, and supported entity types vary. International transfer and conversion fees apply on top of the plan. Verify current terms with Aspire.

Fees and features

All figures as of 3 June 2026. Verify current terms with Aspire.
Monthly fee	Basic plan with no monthly fee and no minimum balance. A paid plan, recently around 15 Singapore dollars a month, adds free international transfers and better foreign exchange. As of 3 June 2026.
Transaction fees	Local transfers are typically free, while international transfers carry a sending fee that varies by plan and currency, and some receiving fees apply. As of 3 June 2026. Verify the current rate card with Aspire.
FX fees	A foreign exchange margin applies on conversion, which has started from a low percentage for instant conversion and varies by plan and currency pair. As of 3 June 2026. Verify with Aspire.
Minimum deposit	No minimum balance on the Basic plan and no account opening fee. As of 3 June 2026. Verify with Aspire.
Multi currency	Multi currency wallets and cards with conversion between supported currencies. As of 3 June 2026. Verify supported currencies with Aspire.
Integrations	Accounting integrations, expense management, bill pay, and cards in one platform. Verify current integrations with Aspire.
Eligibility	Incorporated businesses such as private limited companies in supported markets, subject to identity and company checks. Supported markets and entity types vary. As of 3 June 2026. Verify eligibility with Aspire.

Open an Aspire business account

Aspire serves incorporated businesses in a defined set of markets centred on Asia. Confirm that your country of incorporation is supported. Fees and eligibility shown as of 3 June 2026. Confirm current terms with the provider before applying.

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Aspire by country

Aspire is built around supported markets in Asia. The country hubs below set out the wider business banking picture in markets where Aspire is commonly used, as of 3 June 2026.

Questions about Aspire

Is Aspire a bank?

Aspire is a financial technology company, not a bank. It provides business accounts with multi currency wallets, cards, and payments by working with licensed financial institutions in the markets it serves. Because it is not a bank, money is held under payment or electronic money rules rather than as a bank deposit. As of 3 June 2026. Verify the current position with Aspire.

Which countries does Aspire serve?

Aspire is built around Asia and accepts companies incorporated in a set of markets that has included Singapore, Hong Kong, Australia, India, Indonesia, Malaysia, the Philippines, Thailand, Vietnam, and others, along with the United States. The exact list changes, so confirm whether your country of incorporation is supported. As of 3 June 2026. Verify with Aspire.

How much does an Aspire account cost?

Aspire markets a Basic plan with no monthly fee and no minimum balance, and a paid plan, recently around 15 Singapore dollars a month, that adds free international transfers and better foreign exchange. International transfer and conversion fees apply on top. As of 3 June 2026. Verify current pricing with Aspire.

Who can open an Aspire account?

Aspire is aimed at incorporated businesses such as private limited companies in the markets it supports, with fully online onboarding and identity checks. Supported entity types and documents vary by market. As of 3 June 2026. Verify eligibility with Aspire.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 3 June 2026. Confirm current terms with Aspire before applying.