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Aspire vs. ANEXT: The Smarter Choice for Growing Businesses
Aspire goes beyond basic business banking with real-time expense management, unlimited virtual cards and seamless integrations, all in one powerful platform designed for complete financial control for businesses looking to scale globally.
Trusted by 50,000+ modern businesses
Aspire vs. ANEXT key differences
Here’s a side-by-side comparison of Aspire and ANEXT to highlight key differences and help you choose the best business account for your needs.
BUSINESS ACCOUNT
FREE, 100% online setup
Account Opening
Free, 100% online setup
Free via FAST and PayNow QR Code & Virtual Payment Address (VPA)
Receive Local Payments
Free via FAST and PayNow QR Code
$0
Send Local Payments
$0
From SGD $35 or USD $8 for incoming payments in 18 currencies
Receive International Payments
From $0, excluding fees charged by agent banks and overseas banks
From USD $15 (SHA) to USD $30 (OUR) in 18 currencies
Send International Payments
From SGD $15 / USD $10 (SHA) to SGD $50 / USD $35 (OUR) in 9 currencies
From 0.22% above mid-market rates
FX Rates
FX markups not disclosed
SGD, USD, EUR, GBP (more coming soon)
Multi-currency Account
CNH, SGD, USD, EUR
CARD
Issue Corporate Cards for Businesses Spends
Earn unlimited 1% cashback for SaaS and marketing spend
Cashback Rewards
Create employee cards with spend controls and real-time tracking
Expense Management
INVEST
Yield
Account Type
Fixed Deposit
SGD & USD
Currencies
SGD, USD & EUR
2.04%^ (SGD)
3.88%^ (USD)
3.88%^ (USD)
Returns (after annual fees)*
1.4% to 1.8% (SGD)
2.45% to 3.9% (USD)
0.55% to 1.35% (EUR)
2.45% to 3.9% (USD)
0.55% to 1.35% (EUR)
0.5% annual fees
Fees & Charges
Early withdrawal penalty: no interest earned on funds withdrawn before maturity
$0
Minimum Investment Amount
SGD $250K or USD $5K or EUR 5K
Up to SGD $100K (extendable upon request)
Maximum Investment Amount
Up to $5M in the respective currencies
1 business day
Liquidity & Access to Funds
Funds locked based on selected tenor
Comparison as of July 2025
*Returns are taken from company websites on their respective landing pages and are accurate as of 24 July 2025. Aspire does not take responsibility for any inaccuracy in the comparison table. Providers may update their returns from time to time, and the figures we extracted in the past do not predict future fees and performance.
^The return rates are based on 7-day performance as of 3rd July 2025. They do not guarantee future growth. Returns are not guaranteed and are projected based on how much your money could potentially grow over a year. Your capital may be at risk. Past performance is not an indicator of future performance. View the funds’ historical performance for SGD and USD
^The return rates are based on 7-day performance as of 3rd July 2025. They do not guarantee future growth. Returns are not guaranteed and are projected based on how much your money could potentially grow over a year. Your capital may be at risk. Past performance is not an indicator of future performance. View the funds’ historical performance for SGD and USD
AUTOMATION AND SUPPORT
Live Chat, Email, Phone
Customer Support Channels
Phone
English: 24/7Other languages: Mon-Fri, 9am-6pm SGT
Customer Support Availability
Mon-Fri, 9am to 6pm SGT (excluding public holidays)
Accounting Integration
No direct integration
API Integration
3 reasons why businesses choose Aspire over ANEXT
Modern businesses need more than basic banking features. Here's how Aspire is designed for today's business needs:
Keep More of Your Earnings
Pay international suppliers and remote teams without cutting into your margins. Aspire offers fee-free local transfers to 19 countries and competitive FX rates, helping you keep costs under control.
Supercharge Spend Management
Stop wasting time on manual processes. With Aspire’s smart virtual cards and automated expense workflows, you can eliminate overspending and manage spend more efficiently at no extra cost.
Work Smarter with Seamless Integrations
Spend less time on admin and more time growing your business. Aspire connects directly with essential business tools such as Xero, Quickbooks, and more for automated reconciliation and real-time insights.
How Aspire works
Aspire brings together the security of traditional banking with the innovation of modern fintech to create the future of business finance. Here's what makes our platform uniquely powerful:
Trusted banking foundation
Your money is safeguarded in Tier 1 banks like DBS Singapore, and backed by partnerships with Citibank, JPMorgan, and Visa. Get the security of traditional banking with the speed of modern fintech - all fully compliant with MAS regulations.
Seamless global payments
Send and receive payments in 30+ currencies across 130+ countries at market-leading rates. Our transparent fee structure means no surprises, while smart workflows streamline your operations from payroll to revenue collection.
AI-powered financial control
Take charge with intelligent tools built for modern business. From multi-level approvals to real-time fraud detection, automated reconciliation to comprehensive integrations - work smarter, not harder.
We are backed by leading institutions and world-class investors
Frequently asked questions about Aspire vs. ANEXT
Who should choose Aspire?
Aspire is the ideal choice for growing businesses that need comprehensive financial tools in one platform. It's perfect for companies that conduct international transactions, want automated expense management, and need integrated accounting solutions - all without extra fees. If you're looking to scale your business efficiently while maintaining full visibility over your finances, Aspire provides everything you need in one powerful platform.
Who should choose ANEXT?
ANEXT might suit businesses that only need basic digital banking services and primarily operate in Singapore. It's appropriate for companies that value traditional banking stability and don't require advanced features like expense management, virtual cards, or accounting integrations. If you're mainly focused on simple transactions and local operations, ANEXT's basic banking services may be sufficient.
Which is better for international banking, Aspire or ANEXT?
Aspire clearly leads with support for 30+ currencies compared to ANEXT's 4 currencies. Our platform provides competitive FX rates, international transfers to 130+ countries, and integrated multi-currency accounts - making it the superior choice for businesses with global ambitions.
Which offers better support for your daily business operations, Aspire or ANEXT?
Aspire offers a complete financial operating system with integrated expense management, unlimited virtual cards, and automated workflows. ANEXT provides basic banking functions but lacks these essential business management tools. For efficient daily operations, Aspire's automated features save significant time and reduce manual work.
Which has better integrations, Aspire or ANEXT?
Aspire connects seamlessly with essential business software like Xero and QuickBooks, enabling automated reconciliation and real-time insights. ANEXT offers minimal integration options, requiring more manual work for accounting and financial management.
Does Aspire or ANEXT offer better customer support?
Aspire provides support 24/7 through multiple channels including in-app chat and email. ANEXT offers more limited support (Mon-Fri, 9am-6pm SGT) primarily through phone. For businesses needing responsive support outside traditional business hours, Aspire offers better accessibility.
Hear it first from our customers
“As a startup, we needed more flexible solutions to support our increasing needs, as well as ones that’d make the most financial sense in supporting our growth.”
$110,000
Saved per year
900hrs
Saved per year
View Case Study
Gregory Van
CEO of Endowus
"By leveraging Aspire, First Page aimed to establish tighter control over our financial outflows, ensuring that all media spending stayed within the allocated budget limits. This was crucial for maintaining financial discipline and ensuring that our company's marketing efforts were both effective and sustainable."
$ 80,405
Saved per year
2,834hrs
Saved per year
View Case Study
Holly Qian
Head of Finance, First Page Digital
"In the past, we used different devices for calls, music, and work. Just like smartphones brought everything together, Aspire elegantly combines corporate cards, FX, business accounts, payables, and much more, into one user-friendly interface."
$28,037
Saved per year
860hrs
Saved per year
View Case Study
William Chong
Finance Director at Glints