Seamless access & liquidity
Enjoy next-business-day access to funds without any lock-in. Aspire Yield is fully integrated with your Aspire Business Account for real-time flexibility.
Compare
Aspire Yield: The best investment option for global businesses
Earn returns on idle cash while keeping it accessible. Yield is integrated with your Business Account, so you won’t need to juggle multiple platforms. Invest or move funds back anytime for payroll, suppliers, or other business needs.
Compare Aspire Yield with other investment providers
Here's a side-by-side comparison of both accounts to highlight key differences and help you choose the best business account for your needs.
Investment type
Money Market Funds
Money Market Fundsees
Money Market Funds (Cash Smart Secure)
Fixed Deposits
Underlying investments
Government bills and fixed deposits only
Government bills and corporate bonds
Government bills and corporate bonds
Deposit with the bank
Currencies
SGD & USD
SGD & USD
SGD only
SGD, USD & other currencies
Returns (after annual fees)*
SGD: 1.87%^
USD: 3.76%^
USD: 3.76%^
SGD: 2.22%
USD: 3.61%
USD: 3.61%
SGD: 2.0% to 2.2%
SGD: From 0.05%
USD: From 0.5%
USD: From 0.5%
Liquidity & access to Funds
1 business day
Up to 2 business days
3 to 5 business days
3 to 5 business days
Funds locked based on selected tenor
Funds locked based on selected tenor
Integrated with business account
Yes
Yes
No
No
Comparison as of September 2025
*Returns are taken from company websites on their respective landing pages and are accurate as of 3rd Sep 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 Sep 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.
Investment type
Money Market Funds
Money Market Fundsees
Underlying investments
Government bills and fixed deposits only
Government bills and corporate bonds
Currencies
SGD & USD
SGD & USD
Returns (after annual fees)*
SGD: 1.87%^
USD: 3.76%^
USD: 3.76%^
SGD: 2.22%
USD: 3.61%
USD: 3.61%
Liquidity & Access to Funds
1 business day
Up to 2 business days
Integrated with Business Account
Yes
Yes
Comparison as of September 2025
*Returns are taken from company websites on their respective landing pages and are accurate as of 3rd Sep 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 Sep 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.
Investment type
Money Market Funds
Money Market Funds (Cash Smart Secure)
Underlying investments
Government bills and fixed deposits only
Government bills and corporate bonds
Currencies
SGD & USD
SGD only
Returns (after annual fees)*
SGD: 1.87%^
USD: 3.76%^
USD: 3.76%^
SGD: 2.0% to 2.2%
Liquidity & Access to Funds
1 business day
3 to 5 business days
Integrated with Business Account
Yes
No
Comparison as of September 2025
*Returns are taken from company websites on their respective landing pages and are accurate as of 3rd Sep 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 Sep 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.
Investment type
Money Market Funds
Fixed Deposits
Underlying investments
Government bills and fixed deposits only
Deposit with the bank
Currencies
SGD & USD
SGD, USD & other currencies
Returns (after annual fees)*
SGD: 1.87%^
USD: 3.76%^
USD: 3.76%^
SGD: From 0.05%
USD: From 0.5%
USD: From 0.5%
Liquidity & Access to Funds
1 business day
3 to 5 business days
Funds locked based on selected tenor
Funds locked based on selected tenor
Integrated with Business Account
Yes
No
Comparison as of September 2025
*Returns are taken from company websites on their respective landing pages and are accurate as of 3rd Sep 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 Sep 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.
Trusted by 50,000+ modern businesses
3 reasons why businesses move idle funds to Aspire Yield
Open to every business
Start earning in USD or SGD from your first dollar. No minimums, no exclusivity. Available to all Aspire Business Account holders with on-demand access anytime.
Managed by experts
Funds are placed in relatively low-risk money market funds, managed by Fullerton Fund Management under Seviora, owned by Temasek.
How Aspire Yield 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:
Add funds
Move USD or SGD from your Business Account into your Yield Account seamlessly in just a few clicks.
Track daily returns
Returns are updated in your Yield Account every day, so you always know how much your investment has earned
Withdraw anytime
Transfer funds back to your Business Account with next-business day access for your daily operations.
Run your finances from one place
Open a multi-currency business account with no monthly fee, built-in invoicing, and real-time expense tracking.
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Frequently Asked Questions About Aspire Yield
Why is Aspire Yield a better option for businesses looking to earn returns?
Aspire Yield is fully integrated with your Aspire Business Account, so you don’t need to move funds to a separate platform. You can earn returns, pay suppliers and employees, receive revenue and manage expenses using a single login with no disruptions to your daily operations.
Who should choose Aspire Yield?
Aspire Yield is built for growing businesses and lean teams that want to maximise idle cash without compromising liquidity or operational efficiency. It’s ideal if you want low-risk, daily returns while maintaining quick access to funds and operational flexibility.
Which investment vehicle is better for businesses looking to grow their idle cash?
Money Market Funds (MMFs), like Aspire Yield, are a better option for businesses looking to earn returns with full flexibility. Unlike fixed deposits which lock in funds for a set period, MMFs offer daily yields, quick access to funds, and typically higher returns. With Aspire, you can also manage investments, payments and expenses seamlessly within your finance stack.
Hear it first from our customers
Gregory Van
CEO of Endowus
“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.”
Read the case study
$111,000
Saved per year
900hr
Saved per year
Holly Qian
Head of Finance
"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."
Read the case study
$80,405
Saved per year
2,834hrs
Saved per year
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William Chong
Finance Director at Glints
"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."
Read the case study
$28,037
Saved per year
860hrs
Saved per year
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