In partnership with

#1 Digital Business Account for modern businesses

Save time and costs with a single account for all your business financial needs.

Open account in 5 minutes Book a demo

No minimum
deposit or
monthly fees

Access >$50,000
worth of rewards

Lowest FX
rates

1% cashback
on marketing & SaaS

We’re not a bank, we’re better

Open an account in 5 minutes

Get an account number and virtual card instantly upon approval. Manage it all from your fingertips

No hidden fees

Get started for free and enjoy the lowest fees in the market with transparent pricing

Fully safeguarded

Your funds are kept segregated in a trust account in accordance with the Payment Services Act, following MAS guidelines

A unified financial operating system for your business

With Aspire, you don't need separate bank accounts, credit cards, invoicing, and expense software. Scale faster with everything in one place

Borderless Payments & Account

Local and international payments made easy, fast, and transparent

Send and receive local payments from any bank account

Your Aspire account number works with FAST and GIRO, with PayNow and Multi-Currency Accounts coming soon

Spend less on FX fees, more on growth

Make payments in 50+ currencies at the mid-market rate, with low, transparent fees

Made to give you more control

Scheduled and recurring payments, user roles, and transaction approval flows are a few ways that keep spend in policy, keep track of trends, and speed up your team

Virtual Cards & Expense Management

Empower your team while staying in control

Advanced card management

Create dedicated cards and employee logins with ease, no more shared cards or chasing down mystery spend

Stay in control with real-time visibility

Set monthly card spend limits that your team can track to, so you are always in budget

Save when you spend

Earn cashback on marketing & SaaS, and enjoy the lowest FX rates with the Aspire card

Accounting & Integrations

Seamlessly integrated with the platforms you use

Make bookeeping a breeze

Link your accounting software in a couple of clicks. Connect Xero, Quickbooks, SAP, Netsuite, MYOB, and more

Integrated ecosystem

Easily connect your account with popular platforms like Stripe, PayPal, Shopify, Lazada, and Shopee

Access $50,000+ worth of rewards

Gain access to over S$50,000 worth of exclusive benefits from our platform partners. Learn More

Credit Solutions

Built for growing businesess

Access working capital in hours

Get instant approval and preferential rates

Stay in control with flexible limits

Use it only when you need it, and only pay for what you use

Scale faster with tailored financing solutions

Get up to 10-20x higher limits as your business grows

Commonly asked questions

What is an Aspire Account?

The Aspire Account is a business account that allows you to send and receive money for your business operations.

Is Aspire regulated by MAS?

Aspire is currently carrying on business under an exemption granted by the Monetary Authority of Singapore (MAS) and is currently exempted from holding a licence to provide payment services under the Payment Services Act (No. 2 of 2019). Aspire continues to provide such services pursuant to the Payment Services (Exemption for Specified Period) Regulations 2020.

Who is eligible for an Aspire Account?

All entities registered in Singapore with ACRA are eligible to apply.

The applicant must be the director of the business.

The director does not need to be a Singapore citizen, so foreigners are eligible to apply as long as their entity is registered in Singapore with ACRA.

What documents do I need to submit to apply?

Director’s identity document (NRIC, Passport or Work Pass) or you can apply via MyInfo (Singpass)

How long will it take for my account to be approved?

Accounts are approved within 2 working hours from submission of all required documents. You will then be able to use your account and card to transact immediately.

What are the fees involved for opening an Aspire Account?

Opening an Aspire Business Account is completely free. There are no monthly, fall-below, or hidden fees.

How is the money in my account secured?

Your funds are kept strictly segregated in a trust account with a tier-1 partner bank which is safeguarded in accordance with the Payment Services Act, following MAS guidelines.

Do business with confidence

Your funds are fully safeguarded

Your funds are held securely in a strictly segregated trust account with a tier-1 bank, which is safeguarded in accordance with the Payment Services Act, following MAS guidelines on the same.

Security is at our core

We implement the highest digital security encryption and access protocols. Customer privacy is central to our build and we never share your data.

Customer service is our priority

We’re here to help in whichever format you prefer. Search our FAQs, chat, call, or email us directly.

Set up a business account in minutes

Easy, fast, transparent. Aspire gives over 10,000 business owners their money and time back.

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Rated on

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Consumer advisory - Aspire FT Pte. Ltd. is currently exempted from holding a licence to provide payment services under the Payment Services Act (No. 2 of 2019). You can find the list of exempted entities here. Credit lines to businesses are issued by Aspire Financial Technologies Pte. Ltd, which is an exempted moneylender under the Moneylenders Act (Cap. 188). Visa cards are issued and powered by NIUM Pte Ltd. Consumers and cardholders are advised to read all terms and conditions which can be found here.

If you wish to discuss data protection matters, please contact our Data Protection Officer at singapore-dpo@aspireapp.com