We may earn a commission if you sign up through the offers on this page. Reviewed by Quan Le, Editor. Deal not working? Report it to contact@saazora.com.
Who this is for: Registered companies incorporated in one of the 16 countries Aspire supports, led by Singapore and Hong Kong and including the United States (full list in the FAQ). It is not for individuals without a company, or for companies incorporated elsewhere, such as in Canada, the UK or the EU. Our link opens Aspire's Singapore page; US companies should switch the region to United States.
Aspire deals at a glance
| Best deal | A free Aspire business account: $0 a month on the Basic plan, with no setup fee and no minimum balance |
|---|
| Active deals | 4 verified: the free Basic account, 1% cashback on ads and SaaS, free US local transfers and partner perks |
|---|
| Coupon code needed? | No. Aspire publishes no permanent coupon code |
|---|
| Free plan / trial | Yes. Basic costs SGD 0 in Singapore and $0 in the US. Singapore's Premium plan is SGD 15 a month |
|---|
| Eligibility | Company incorporated in a supported country, subject to Aspire's Acceptable Use Policy |
|---|
| Last verified | October 13, 2026, on Aspire's referral, pricing and help center pages |
|---|
What is Aspire?
Aspire is a finance platform for startups and small to mid-sized businesses. One account combines multi-currency business accounts, international payments, corporate cards, expense claims, bills and invoices, with Xero and QuickBooks integrations. Aspire says more than 50,000 businesses use it. It is not a bank: in Singapore it operates as a payment services company under the Monetary Authority of Singapore, and in the US, AFT US LLC (doing business as Aspire) provides accounts through Column N.A., Member FDIC.
Aspire pricing after discounts
| Plan | Monthly fee | Key inclusions | Cost per year |
|---|
| Singapore Basic | SGD 0 | 8 currency accounts, 1% cashback on ads and SaaS, up to 200 virtual cards, 5 free spend users | SGD 0 |
| Singapore Premium | SGD 15 | 5 free international transfers a month, 0% FX on the first SGD 13,000, 1.2% cashback, 10 free users | SGD 180 |
| US Basic | $0 | 13 currency accounts, FX from 0.22% above mid-market, free ACH, wire and check transfers | $0 |
Yearly costs are our own calculation. In Singapore, extra spend users cost SGD 4 each per month and Basic FX starts from 0.46%. In the US, sending a SWIFT transfer costs $5 (SHA) or $15 (OUR). Aspire's optional Yield and Treasury products are investments, not deposits.
Every way to save on Aspire
- Stay on Basic. No setup fee, no monthly fee and no minimum balance.
- Pay ads and software with the card. Singapore Basic earns 1% cashback on ad and SaaS spend; Premium earns 1.2% on eligible spend.
- Upgrade only if you send money abroad often. Premium's 5 free international transfers are worth up to USD 75 a month, Aspire says.
- Use the free US rails. US accounts pay nothing for ACH, wire, check or real-time local transfers.
- Claim partner perks. Aspire lists $500k worth of perks from partners such as Slack.
Which Aspire plan should you choose?
Most small teams should start on Basic, which is free and covers accounts, cards, expenses and invoicing. In Singapore, Premium pays off if you send several international transfers a month or exchange up to SGD 13,000, since 0% FX and free transfers can outweigh the SGD 15 fee. US-incorporated companies use the separate US Basic account; complex firms can ask sales about custom plans.
Is Aspire worth it?
Aspire is worth it for startups in its supported countries that pay suppliers, ad platforms and software in several currencies and want cards and expenses in one free account. The trade-offs: it is not a bank, onboarding requires company documents and compliance checks, and the best FX and cashback terms sit on the paid Singapore plan.
Aspire alternatives
Aspire's own comparison pages name Airwallex, Wise and Revolut for Singapore businesses, and Brex, Mercury and Relay for US companies.
How we verify Aspire deals
We opened our referral link and read Aspire's Singapore and US pricing pages and its help center articles on supported countries and crypto businesses on October 13, 2026.
Aspire