Compare
Aspire Business Account vs Livi Bank Business Account Hong Kong (2026)
Aspire offers Hong Kong businesses a multi-curreny business account, corporate cards, built-in expense management, and other solutions that traditional banking simply lacks.
About Aspire
Aspire Business Account is a Fintech Multi-Currency Business Account (MSO-licensed) offered by Aspire, who operates as a Fintech / Payment Institution in Hong Kong.
About Livi Bank
Livi Bank Business Account is a HKMA-Licensed Virtual Bank (SME + Personal) offered by Livi Bank, who operates as a HKMA-Licensed Virtual Bank in Hong Kong.
Aspire vs Livi Bank key differences
Here's a side-by-side comparison of Aspire and Livi Bank to highlight key differences and help you choose the best business account for your needs.
| Fintech / Payment Institution | HKMA-Licensed Virtual Bank | |
|---|---|---|
| Business account | ||
| Account type | Fintech Multi-Currency Business Account (MSO-licensed) | HKMA-Licensed Virtual Bank (SME + Personal) |
| Multi-currency wallets | 13 currencies. HKD, SGD, EUR, GBP, USD, etc | HKD, USD, CNY (FPS for HKD/CNY; RTGS for USD) |
| Local account details (receive like a local) | FPS for HKD, local HKD/USD/CNY/etc | FPS, SWIFT, RTGS |
| Batch payments | Via Bulk Payment | Not offered |
| Invoicing | Via Invoice feature | Not offered |
| Expense management | Via corporate cards + real-time expense tracking | Not offered |
| API access | Via native Open API | Not offered |
| Integrations and ecosystem | ||
| Accounting software integrations | Via Xero, Stripe, Quickbooks | Not offered |
| ERP integration | Not offered | Not offered |
| E-commerce integration | Via Tiktok, Shopee, Amazon, Lazada, Carousell, Temu, etc | Not offered |
| Third-party apps | Via Xero etc | Not publicly listed |
| Pricing and fees | ||
| Monthly fee | Basic: HK$0, Premium: HK$99 (Until 31 Dec 2026) | None |
| Account setup fee | Free | General: HK$1,200, special: HK$3,000 |
| Domestic transfer fee | Free | FPS: HK$3 (HK$<1,000,000) / HK$15 (HK$>=1,000,000), RTGS: HK$25 |
| International transfer fee | Receive via SWIFT: HK$60, send via SWIFT: SHA USD $15, OURS USD $30 (or equivalent in HKD and CNY) | Domestic only |
| FX markup | From 0.18% | Not publicly listed |
| Receiving payments fee | Free (local HKD via FPS) | Waived |
| Minimum balance | Free | None; time deposit minimum starts at HK$500 |
| Global coverage | ||
| Supported currencies | 13 currencies. HKD, SGD, EUR, GBP, USD, etc | HKD, CNY, and USD for savings; HKD and CNY via FPS transfers; USD via local RTGS only |
| Countries served | Hong Kong, Singapore, India, US, Australia; international businesses via HK entity | Hong Kong |
| Support and services | ||
| Customer support | Dedicated account manager + phone + email; HK team in-office; Aspire HK company registration + accounting also offered | Phone (852-2929-2998) + email + in-app; 7-day acknowledgement policy; no live chat; no branches |
Business account
Integrations and ecosystem
Pricing and fees
Global coverage
Support and services*Fees may vary, Comparison as of July 2026
Trusted by 50,000+ modern businesses
4.5 rating
3 reasons why Aspire is better
Aspire is built to be your primary business account, helping you save more, earn more, and move faster in your day-to-day operations. Here's how Aspire stands out.
Built for global business
With competitive FX rates and a multi-currency account, Aspire helps streamlining local and international payments with broader currency coverage.
A complete financial platform
Businesses that want to consolidate financial workflows into a single tool will find Aspire a more comprehensive fit. Aspire combines payments with invoice management and world-class business tools integrations, such as Xero and Quickbooks.
Transparent pricing for aspiring founders
Aspire charges nothing for opening business accounts. A real solution designed for early-stage and growing businesses who need to watch every dollar.
Run your finances from one place
Open a multi-currency business account with no monthly fee, built-in invoicing, and real-time expense tracking.
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 funds are safeguarded by licensed financial institutions in full compliance with Hong Kong’s Money Service Operator (MSO) regulatory standards and follows strict data security protocols to ensure your business finances are protected every step of the way.
Seamless global payments
Aspire makes it easy to send and receive payments across 130+ countries in 40+ currencies. With access to local rails and major card networks, businesses benefit from competitive exchange rates, faster transfers, and zero hidden fees—built to support your international operations without the usual friction.
AI-powered financial control
Gain full visibility and control over your business finances with Aspire’s smart tools. From automated reconciliation and multi-level approvals to real-time spend tracking and accounting integrations, Aspire helps modern finance teams streamline operations and stay audit-ready at all times.
Our investors
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Frequently asked questions about Aspire vs Livi Bank
Choose Aspire for scaling businesses that need multi-currency payments, expense management, and business tools integrations. If your business operates across borders or wants a full financial workflow in one platform, Aspire is built with you in mind.
Backed by an HKMA license, Livi Bank is a solid choice for businesses whose financial activity is primarily domestic, operating in HKD, CNY, or USD locally. It offers a reliable and regulated foundation for straightforward banking needs.
Aspire takes the lead for teams that need multi-currency support, integrated financial tools and room to grow internationally. Whereas Livi Bank is a dependable option for businesses that are focused within domestic areas.
Aspire's free package is particularly cost-efficient for growing teams. While Livi Bank keeps reasonable costs for their features, Aspire tends to deliver more value over time.
Livi Bank provides phone and in-app support with a clear contact process. However, Aspire offers dedicated account managers, phone and email support, and an in-office Hong Kong team, which makes Aspire stand out.
Hear it first from our customers
Gregory Van
CEO of Endowus
Read the case study“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.”
- Saved per year
- $111,000
- Saved per year
- 900hr
Chai Yang
Finance Director
Read the case study“It was challenging to recognise costs efficiently with manual processes. With Aspire, we have control and visibility into all expenditure, allowing us to act swiftly and make informed decisions.”
- Saved per year
- $35,320
- Saved per year
- 1,664hrs
Sagar Khatri
Co-Founder at Multiplier
Read the case study“For organisations with many moving parts like ours, budgeting is important. Being unable to view our state of expenses at any given time causes challenges to modern businesses like ours.”
- Saved per year
- $73,000
- Saved per year
- 760hrs
Start your journey with Aspire
Open your free account