[{"data":1,"prerenderedAt":2547},["ShallowReactive",2],{"cms-ui-strings":3,"cms-site-settings":134,"cms-navigation":284,"cms-blog-post-template":1064,"cms-blog-post-latest":1124,"sanity-MQBLys5Zu0uvClswBoZzQGgjUfazxXvVdNLepfa1yig":1163},{"_createdAt":4,"_id":5,"_rev":6,"_type":7,"_updatedAt":8,"allProvidersLabel":9,"announcementDismissLabel":10,"backToBlogLabel":11,"backToCaseStudiesLabel":12,"backToDownloadsLabel":13,"backToPartnerCaseStudiesLabel":14,"blogFaqLabel":15,"blogSearchPlaceholder":16,"blogSourcesLabel":17,"blogSummaryLabel":18,"brandHomeLabel":19,"breadcrumbBlogLabel":20,"breadcrumbCompareLabel":21,"breadcrumbHomeLabel":22,"breadcrumbNavigationLabel":23,"caseStudiesLabel":24,"caseStudyApproachLabel":25,"caseStudyBeforeAndAfterSectionLabel":26,"caseStudyChallengeLabel":27,"caseStudyClientLabel":28,"caseStudyCompanyInfoSectionLabel":29,"caseStudyCompanySizeLabel":30,"caseStudyCountryLabel":31,"caseStudyFocusLabel":32,"caseStudyFoundedLabel":33,"caseStudyFounderLabel":34,"caseStudyIndustryLabel":35,"caseStudySavePerYearSectionLabel":36,"caseStudySearchPlaceholder":16,"caseStudyWebsiteLabel":37,"comingSoonLabel":38,"copyLinkLabel":39,"dataProtectionLabel":40,"downloadButtonLabel":41,"downloadSearchPlaceholder":16,"downloadsLabel":42,"emailPlaceholder":43,"errorPageBody":44,"errorPageBusinessAccountLabel":45,"errorPageCorporateCardLabel":46,"errorPageDestinationsHeading":47,"errorPageExpenseManagementLabel":48,"errorPageGlobalPaymentsLabel":49,"errorPageHeading":50,"errorPageHelpCentreLabel":51,"errorPageHomeLabel":52,"errorPageSupportBody":53,"errorPageSupportHeading":54,"errorPageSupportLinkLabel":55,"errorPageYieldLabel":56,"formErrorMessage":57,"formInvalidEmailMessage":58,"formInvalidPhoneMessage":59,"formInvalidUrlMessage":60,"formRequiredFieldMessage":61,"formSubmitLabel":62,"formSuccessMessage":63,"fxCurrencySearchPlaceholder":64,"fxNoConversionLabel":65,"fxNoFeeLabel":66,"fxQuoteErrorMessage":67,"fxSourceCurrencySelectorLabel":68,"fxTargetCurrencySelectorLabel":69,"goToSlideLabel":70,"includedLabel":71,"languageHeading":72,"latestArticlesLabel":73,"launchpadBusinessLocationLabel":74,"launchpadCompanySizeLabel":75,"launchpadFoundedLabel":76,"launchpadGateDismissLabel":77,"launchpadHeadquarterLabel":78,"launchpadIndustryLabel":35,"learnMoreLabel":79,"legalEffectiveFromLabel":80,"legalLastUpdatedLabel":81,"loadMoreLabel":82,"mainNavigationLabel":83,"market":84,"marketNames":85,"mostPopularLabel":101,"nextSlideLabel":102,"notIncludedLabel":103,"openAccountLabel":104,"optionsLabel":105,"partnerCaseStudiesLabel":106,"previousSlideLabel":107,"pricingFirstPlanFeaturesLabel":108,"pricingUpgradePlanFeaturesLabel":109,"ratingLabel":110,"readCaseStudyLabel":111,"readingTimeLabel":112,"recommendedLabel":113,"regionHeading":114,"regionSelectorLabel":115,"rewardExpandLabel":116,"rewardSearchPlaceholder":16,"savedPerYearLabel":117,"shareOnFacebookLabel":118,"shareOnLinkedinLabel":119,"shareOnXLabel":120,"sharePostLabel":121,"supportedByLabel":122,"tableOfContentsLabel":123,"titleBrandSuffix":124,"toggleMenuLabel":125,"vcAmbassadorInvitationLabel":126,"videoMuteLabel":127,"videoPauseLabel":128,"videoPlayLabel":129,"videoSeekLabel":130,"videoSoundPrompt":131,"videoUnmuteLabel":132,"viewAllCategoriesLabel":133,"viewAllProductsLabel":133},"2026-07-29T13:25:51Z","uiStrings-SG","MmHbXlH1BZkVyZmjxBeJBS","uiStrings","2026-09-25T05:24:47Z","All","Dismiss announcement","Back to Blog","Back to Customer Stories","Back to downloads","Back to Partner Stories","Frequently Asked Questions","Search","Sources","Summary","Aspire home","Blog","Compare","Home","Breadcrumb","Customer Stories","After Aspire","Before and after Aspire","Before Aspire","Company","Company info","Company size","Country","Case study focus","Founded","Founder","Industry","Save per year","Website","Coming soon","Copy link","If you wish to discuss data protection matters, please contact our Data Protection Officer at","Download now","Downloads","Enter your work email","The page you're looking for doesn't exist or has moved. Let's get you back on track.","Business accounts","Corporate cards","Popular destinations","Expense management","FX and payments","Page not found","Help centre","Back to homepage","Explore our Help Centre for detailed guides, step-by-step instructions, and more support topics.","Not finding what you need?","Go to Help Centre","Yield","Oops! Something went wrong while submitting the form.","Email must be formatted correctly.","Please enter a valid phone number.","Please enter a valid website address.","Please complete this required field.","Get started","Thank you! Your submission has been received!","Search by currency, country or code","No conversion","No fee","We could not get a rate just now. Please try again.","Choose the currency you send","Choose the currency the recipient gets","Go to slide {index}","Included","Language","Latest articles","Business locations","Company Size","Founded in","Close","Headquarter","Learn more","Effective from","Last updated","Load more","Main navigation","SG",[86,89,92,95,98],{"_key":84,"_type":87,"label":88,"market":84},"marketName","Singapore",{"_key":90,"_type":87,"label":91,"market":90},"US","United States",{"_key":93,"_type":87,"label":94,"market":93},"AU","Australia",{"_key":96,"_type":87,"label":97,"market":96},"HK","Hong Kong",{"_key":99,"_type":87,"label":100,"market":99},"NL","Netherlands","Most popular","Next","Not included","Open an Account","Options","Partner Stories","Previous","What you get","Everything in {planName}, plus","{rating} out of {max} stars","Read the case study","{minutes}min read","Recommended","Region","Change country\u002Fregion","More","Saved per year","Share on Facebook","Share on LinkedIn","Share on X","Share this post","Supported by","Table of contents","Aspire Singapore","Toggle menu","An exclusive invitation from {name}","Mute","Pause","Play","Seek","Click for sound","Unmute","View all",{"_createdAt":135,"_id":136,"_rev":137,"_type":138,"_updatedAt":139,"announcementBar":140,"baseUrl":147,"defaultSeo":148,"defaultSocialShareImageUrl":153,"footer":159,"footerLegalParagraphsRich":235,"market":84,"mobileApp":276,"siteName":282,"studioVersion":283},"2026-07-23T11:30:06Z","siteSettings-SG","MmHbXlH1BZkVyZmjxHk0Tp","siteSettings","2026-09-28T08:29:52Z",{"enabled":141,"link":142,"text":146},true,{"_type":143,"externalUrl":144,"label":79,"linkType":145},"link","\u002Fcashback","external","🔥 New: Earn 1.2% unlimited cashback on all corporate card spend.","https:\u002F\u002Faspireapp.com",{"_type":149,"metaDescription":150,"metaTitle":151,"noIndex":152},"seo","Multi-currency, multi-market, multi-time zone — Aspire does business like you do. Business accounts, corporate cards, FX, and expense management for 50,000+ businesses.","Aspire — The finance stack for global businesses",false,{"_type":154,"alternativeText":155,"height":156,"url":157,"width":158},"imageUrl","Aspire — the finance stack for global businesses",706,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fd1347741472288c47075d1ef60cdcf1d\u002F6a0172ace415cdbc01e0932d_home-01-p-1600.webp",1600,{"copyright":160,"dataProtectionEmail":161,"legalParagraphs":162,"legalParagraphsRich":167},"© 2026 Aspire FT Pte Ltd. All rights reserved.","singapore-dpo@aspireapp.com",[163,164,165,166],"Aspire FT Pte. Ltd. (\"Aspire\") has been granted a temporary exemption from holding a license under the Payment Services Act 2019 (as amended, \"PS Act\") for the provision of Account Issuance Service, Domestic Money Transfer Service, and E-money Issuance Service for a specified period. The exemption can be confirmed on the MAS website here.","Aspire has also been granted a temporary exemption from holding a license under the PS Act for a specified period for the provision of specified cross-border money transfer service caught under the expanded scope of the regulated activities. The expanded scope of regulated activities relates only to arranging for the transmission of money from any country or territory to another country or territory, where monies are not accepted or received in Singapore. The exemption can be confirmed on the MAS website here.","Aspire is not licensed, nor exempt, to provide cross-border money transfer service beyond the expanded scope described above, and consequently, this service is provided only by MAS licensed entities partnering with Aspire (\"Partners\"), subject to their own terms and conditions. All Aspire and Partners terms and conditions can be found here.","Yield is being provided by AFT SG 2 Pte Ltd (AFT) in Singapore. AFT is licensed under the Securities and Futures Act in respect of dealing in capital markets products (collective investment schemes) and providing custodial services.",[168,191,208,228],{"_key":169,"_type":170,"children":171,"markDefs":186,"style":190},"legal-0","block",[172,177,182],{"_key":173,"_type":174,"marks":175,"text":176},"legal-0-lead","span",[],"Aspire FT Pte. Ltd. (\"Aspire\") has been granted a temporary exemption from holding a license under the Payment Services Act 2019 (as amended, \"PS Act\") for the provision of Account Issuance Service, Domestic Money Transfer Service, and E-money Issuance Service for a specified period. The exemption can be confirmed on the MAS website ",{"_key":178,"_type":174,"marks":179,"text":181},"legal-0-link",[180],"link-0","here",{"_key":183,"_type":174,"marks":184,"text":185},"legal-0-tail",[],".",[187],{"_key":180,"_type":188,"externalUrl":189,"linkType":145},"linkAnnotation","https:\u002F\u002Fwww.mas.gov.sg\u002Fregulation\u002Fpayments\u002Fentities-that-have-notified-mas-pursuant-to-the-ps-esp-r","normal",{"_key":192,"_type":170,"children":193,"markDefs":205,"style":190},"legal-1",[194,198,202],{"_key":195,"_type":174,"marks":196,"text":197},"legal-1-lead",[],"Aspire has also been granted a temporary exemption from holding a license under the PS Act for a specified period for the provision of specified cross-border money transfer service caught under the expanded scope of the regulated activities. The expanded scope of regulated activities relates only to arranging for the transmission of money from any country or territory to another country or territory, where monies are not accepted or received in Singapore. The exemption can be confirmed on the MAS website ",{"_key":199,"_type":174,"marks":200,"text":181},"legal-1-link",[201],"link-1",{"_key":203,"_type":174,"marks":204,"text":185},"legal-1-tail",[],[206],{"_key":201,"_type":188,"externalUrl":207,"linkType":145},"https:\u002F\u002Fwww.mas.gov.sg\u002Fregulation\u002Fpayments\u002Fentities-that-have-notified-mas-pursuant-to-ps-amend-act-2021-stpr",{"_key":209,"_type":170,"children":210,"markDefs":222,"style":190},"legal-2",[211,215,219],{"_key":212,"_type":174,"marks":213,"text":214},"legal-2-lead",[],"Aspire is not licensed, nor exempt, to provide cross-border money transfer service beyond the expanded scope described above, and consequently, this service is provided only by MAS licensed entities partnering with Aspire (\"Partners\"), subject to their own terms and conditions. All Aspire and Partners terms and conditions can be found ",{"_key":216,"_type":174,"marks":217,"text":181},"legal-2-link",[218],"link-2",{"_key":220,"_type":174,"marks":221,"text":185},"legal-2-tail",[],[223],{"_key":218,"_type":188,"internal":224,"linkType":227},{"_ref":225,"_type":226},"legalPage-SG-675927ebdab2bcd62c4742b8","reference","internal",{"_key":229,"_type":170,"children":230,"markDefs":234,"style":190},"legal-3",[231],{"_key":232,"_type":174,"marks":233,"text":166},"legal-3-text",[],[],[236,247,257,271],{"_key":169,"_type":170,"children":237,"markDefs":244,"style":190},[238,240,242],{"_key":173,"_type":174,"marks":239,"text":176},[],{"_key":178,"_type":174,"marks":241,"text":181},[180],{"_key":183,"_type":174,"marks":243,"text":185},[],[245],{"_key":180,"_type":188,"externalUrl":189,"internalTarget":246,"linkType":145},null,{"_key":192,"_type":170,"children":248,"markDefs":255,"style":190},[249,251,253],{"_key":195,"_type":174,"marks":250,"text":197},[],{"_key":199,"_type":174,"marks":252,"text":181},[201],{"_key":203,"_type":174,"marks":254,"text":185},[],[256],{"_key":201,"_type":188,"externalUrl":207,"internalTarget":246,"linkType":145},{"_key":209,"_type":170,"children":258,"markDefs":265,"style":190},[259,261,263],{"_key":212,"_type":174,"marks":260,"text":214},[],{"_key":216,"_type":174,"marks":262,"text":181},[218],{"_key":220,"_type":174,"marks":264,"text":185},[],[266],{"_key":218,"_type":188,"internal":267,"internalTarget":268,"linkType":227},{"_ref":225,"_type":226},{"_type":269,"slug":270},"legalPage","master-service-agreement",{"_key":229,"_type":170,"children":272,"markDefs":275,"style":190},[273],{"_key":232,"_type":174,"marks":274,"text":166},[],[],{"rating":277},{"count":278,"source":279,"sourceUrl":280,"value":281},122,"App Store","https:\u002F\u002Fapps.apple.com\u002Fsg\u002Fapp\u002Faspire-business-account-card\u002Fid1514566206",4.5,"Aspire","2026.10.1",{"_createdAt":285,"_id":286,"_rev":287,"_type":288,"_updatedAt":289,"footerGroups":290,"getStartedLink":662,"header":664,"loginLink":687,"market":84,"megaMenu":688},"2026-07-23T11:30:05Z","navigation-SG","xvArOttZSiiQLe4fJqKyas","navigation","2026-10-01T08:14:51Z",[291,331,363,423,513,555,614,639],{"_key":292,"_type":293,"links":294,"title":330},"footer-products","footerGroup",[295,303,309,316,323],{"_key":296,"_type":143,"internal":297,"internalTarget":299,"label":302,"linkType":227},"fp-1",{"_ref":298,"_type":226},"page-SG-business-account",{"_type":300,"slug":301},"page","business-account","Business Account",{"_key":304,"_type":143,"internal":305,"internalTarget":307,"label":56,"linkType":227},"fp-2",{"_ref":306,"_type":226},"page-SG-yield",{"_type":300,"slug":308},"yield",{"_key":310,"_type":143,"internal":311,"internalTarget":313,"label":315,"linkType":227},"fp-3",{"_ref":312,"_type":226},"page-SG-expense-management",{"_type":300,"slug":314},"expense-management","Expense Management",{"_key":317,"_type":143,"internal":318,"internalTarget":320,"label":322,"linkType":227},"fp-4",{"_ref":319,"_type":226},"page-SG-corporate-card",{"_type":300,"slug":321},"corporate-card","Corporate Card",{"_key":324,"_type":143,"internal":325,"internalTarget":327,"label":329,"linkType":227},"fp-5",{"_ref":326,"_type":226},"page-SG-global-payments",{"_type":300,"slug":328},"global-payments","Global Payments","Products",{"_key":332,"_type":293,"links":333,"title":362},"footer-features",[334,341,348,355],{"_key":335,"_type":143,"internal":336,"internalTarget":338,"label":340,"linkType":227},"ff-2",{"_ref":337,"_type":226},"page-SG-bill-pay",{"_type":300,"slug":339},"bill-pay","Pay Bills",{"_key":342,"_type":143,"internal":343,"internalTarget":345,"label":347,"linkType":227},"ff-3",{"_ref":344,"_type":226},"page-SG-integrations",{"_type":300,"slug":346},"integrations","Automate Accounting",{"_key":349,"_type":143,"internal":350,"internalTarget":352,"label":354,"linkType":227},"ff-5",{"_ref":351,"_type":226},"page-SG-budgets",{"_type":300,"slug":353},"budgets","Budgets",{"_key":356,"_type":143,"internal":357,"internalTarget":359,"label":361,"linkType":227},"ff-8",{"_ref":358,"_type":226},"page-SG-invoice-management",{"_type":300,"slug":360},"invoice-management","Invoice Management","Features",{"_key":364,"_type":293,"links":365,"title":21},"footer-compare",[366,374,381,388,395,402,409,416],{"_key":367,"_type":143,"internal":368,"internalTarget":370,"label":373,"linkType":227},"fc-1",{"_ref":369,"_type":226},"comparison-SG-6a48c2ca930b76bea46e6992",{"_type":371,"slug":372},"comparison","aspire-vs-airwallex","Aspire vs Airwallex",{"_key":375,"_type":143,"internal":376,"internalTarget":378,"label":380,"linkType":227},"fc-2",{"_ref":377,"_type":226},"comparison-SG-6a48c2bc5c255cd6f776f619",{"_type":371,"slug":379},"aspire-vs-anext","Aspire vs ANEXT",{"_key":382,"_type":143,"internal":383,"internalTarget":385,"label":387,"linkType":227},"fc-3",{"_ref":384,"_type":226},"comparison-SG-aspire-vs-traditional-banks",{"_type":371,"slug":386},"aspire-vs-traditional-banks","Aspire vs Banks",{"_key":389,"_type":143,"internal":390,"internalTarget":392,"label":394,"linkType":227},"fc-4",{"_ref":391,"_type":226},"comparison-SG-6a48c2c27b53afca3f2e5281",{"_type":371,"slug":393},"aspire-business-account-vs-ocbc-business-growth-account-singapore","Aspire vs OCBC",{"_key":396,"_type":143,"internal":397,"internalTarget":399,"label":401,"linkType":227},"fc-5",{"_ref":398,"_type":226},"comparison-SG-6a48c2cef9911194b9b6fd08",{"_type":371,"slug":400},"aspire-vs-revolut","Aspire vs Revolut",{"_key":403,"_type":143,"internal":404,"internalTarget":406,"label":408,"linkType":227},"fc-6",{"_ref":405,"_type":226},"comparison-SG-6a48c2cbf9911194b9b6faa4",{"_type":371,"slug":407},"aspire-vs-wise","Aspire vs Wise",{"_key":410,"_type":143,"internal":411,"internalTarget":413,"label":415,"linkType":227},"fc-7",{"_ref":412,"_type":226},"comparison-SG-6a48c2ccb2f9af9cc29e7ec5",{"_type":371,"slug":414},"aspire-vs-youbiz","Aspire vs Youbiz",{"_key":417,"_type":143,"internal":418,"internalTarget":420,"label":422,"linkType":227},"fc-8",{"_ref":419,"_type":226},"comparison-SG-aspire-yield-vs-others",{"_type":371,"slug":421},"aspire-yield-vs-others","Aspire Yield vs Others",{"_key":424,"_type":293,"links":425,"title":512},"footer-business-tools",[426,433,440,447,454,458,462,469,476,484,491,498,505],{"_key":427,"_type":143,"internal":428,"internalTarget":430,"label":432,"linkType":227},"fr-7",{"_ref":429,"_type":226},"page-SG-calculator-amazon-seller-fees-calculator",{"_type":300,"slug":431},"calculator\u002Famazon-seller-fees-calculator","Amazon Fee Calculator",{"_key":434,"_type":143,"internal":435,"internalTarget":437,"label":439,"linkType":227},"fr-8",{"_ref":436,"_type":226},"page-SG-investor-list-south-east-asia",{"_type":300,"slug":438},"investor-list-south-east-asia","Investor Database",{"_key":441,"_type":143,"internal":442,"internalTarget":444,"label":446,"linkType":227},"fr-9",{"_ref":443,"_type":226},"page-SG-calculator-spend-management-calculator",{"_type":300,"slug":445},"calculator\u002Fspend-management-calculator","Spend Calculator",{"_key":448,"_type":143,"internal":449,"internalTarget":451,"label":453,"linkType":227},"fr-10",{"_ref":450,"_type":226},"page-SG-ssic-code-checker",{"_type":300,"slug":452},"ssic-code-checker","SSIC Code Lookup",{"_key":455,"_type":143,"externalUrl":456,"internalTarget":246,"label":457,"linkType":145},"fr-11","https:\u002F\u002Faspireapp.com\u002Fswift-code-checker","SWIFT Code Checker",{"_key":459,"_type":143,"externalUrl":460,"internalTarget":246,"label":461,"linkType":145},"fr-12","https:\u002F\u002Faspireapp.com\u002Fsme-grant-checker","Grant eligibility checker",{"_key":463,"_type":143,"internal":464,"internalTarget":466,"label":468,"linkType":227},"fr-13",{"_ref":465,"_type":226},"page-SG-calculator-business-loan-calculator-singapore",{"_type":300,"slug":467},"calculator\u002Fbusiness-loan-calculator-singapore","Business Loan Calculator",{"_key":470,"_type":143,"internal":471,"internalTarget":473,"label":475,"linkType":227},"fr-14",{"_ref":472,"_type":226},"page-SG-calculator-margin-calculator",{"_type":300,"slug":474},"calculator\u002Fmargin-calculator","Margin Calculator",{"_key":477,"_type":143,"internal":478,"internalTarget":480,"label":483,"linkType":227},"fr-15",{"_ref":479,"_type":226},"blogPost-SG-694eb114840789269183314e",{"_type":481,"slug":482},"blogPost","understanding-burn-rate","Burn Rate Calculator",{"_key":485,"_type":143,"internal":486,"internalTarget":488,"label":490,"linkType":227},"fbt-1",{"_ref":487,"_type":226},"page-SG-employer-cpf-contribution-calculator",{"_type":300,"slug":489},"employer-cpf-contribution-calculator","CPF Contribution Calculator",{"_key":492,"_type":143,"internal":493,"internalTarget":495,"label":497,"linkType":227},"fbt-2",{"_ref":494,"_type":226},"page-SG-gst-calculator-singapore",{"_type":300,"slug":496},"gst-calculator-singapore","Singapore GST Calculator",{"_key":499,"_type":143,"internal":500,"internalTarget":502,"label":504,"linkType":227},"fbt-3",{"_ref":501,"_type":226},"page-SG-business-budget-calculator",{"_type":300,"slug":503},"business-budget-calculator","Business Budget Calculator",{"_key":506,"_type":143,"internal":507,"internalTarget":509,"label":511,"linkType":227},"fbt-4",{"_ref":508,"_type":226},"page-SG-invoice-generator",{"_type":300,"slug":510},"invoice-generator","Invoice Generator","Business tools",{"_key":514,"_type":293,"links":515,"title":554},"footer-resources",[516,522,529,536,543,550],{"_key":517,"_type":143,"internal":518,"internalTarget":520,"label":20,"linkType":227},"fr-1",{"_ref":519,"_type":226},"page-SG-blog",{"_type":300,"slug":521},"blog",{"_key":523,"_type":143,"internal":524,"internalTarget":526,"label":528,"linkType":227},"fr-2",{"_ref":525,"_type":226},"page-SG-launchpad",{"_type":300,"slug":527},"launchpad","Aspire Launchpad",{"_key":530,"_type":143,"internal":531,"internalTarget":533,"label":535,"linkType":227},"fr-3",{"_ref":532,"_type":226},"page-SG-aspire-for-startups",{"_type":300,"slug":534},"aspire-for-startups","Aspire for Startups",{"_key":537,"_type":143,"internal":538,"internalTarget":540,"label":542,"linkType":227},"fr-4",{"_ref":539,"_type":226},"page-SG-case-studies",{"_type":300,"slug":541},"case-studies","Case Studies",{"_key":544,"_type":143,"internal":545,"internalTarget":547,"label":549,"linkType":227},"fr-5",{"_ref":546,"_type":226},"page-SG-partner-case-study",{"_type":300,"slug":548},"partner-case-study","Partner Case Studies",{"_key":551,"_type":143,"externalUrl":552,"internalTarget":246,"label":553,"linkType":145},"fr-6","https:\u002F\u002Fhelp.aspireapp.com\u002Fsg\u002Fen\u002F","FAQ","Resources",{"_key":556,"_type":293,"links":557,"title":28},"footer-company",[558,565,572,579,586,593,600,607],{"_key":559,"_type":143,"internal":560,"internalTarget":562,"label":564,"linkType":227},"fco-1",{"_ref":561,"_type":226},"page-SG-about-us",{"_type":300,"slug":563},"about-us","About Aspire",{"_key":566,"_type":143,"internal":567,"internalTarget":569,"label":571,"linkType":227},"fco-2",{"_ref":568,"_type":226},"page-SG-contact-us",{"_type":300,"slug":570},"contact-us","Contact Us",{"_key":573,"_type":143,"internal":574,"internalTarget":576,"label":578,"linkType":227},"fco-3",{"_ref":575,"_type":226},"page-SG-careers",{"_type":300,"slug":577},"careers","Careers",{"_key":580,"_type":143,"internal":581,"internalTarget":583,"label":585,"linkType":227},"fco-5",{"_ref":582,"_type":226},"page-SG-about-fraud-and-scam",{"_type":300,"slug":584},"about-fraud-and-scam","Learn About Fraud and Scams",{"_key":587,"_type":143,"internal":588,"internalTarget":590,"label":592,"linkType":227},"fco-6",{"_ref":589,"_type":226},"page-SG-newsroom",{"_type":300,"slug":591},"newsroom","Newsroom",{"_key":594,"_type":143,"internal":595,"internalTarget":597,"label":599,"linkType":227},"fco-7",{"_ref":596,"_type":226},"page-SG-partners",{"_type":300,"slug":598},"partners","Partner with Aspire",{"_key":601,"_type":143,"internal":602,"internalTarget":604,"label":606,"linkType":227},"fco-8",{"_ref":603,"_type":226},"page-SG-product-updates",{"_type":300,"slug":605},"product-updates","Product Updates",{"_key":608,"_type":143,"internal":609,"internalTarget":611,"label":613,"linkType":227},"fco-9",{"_ref":610,"_type":226},"page-SG-security-and-compliance",{"_type":300,"slug":612},"security-and-compliance","Security and Compliance",{"_key":615,"_type":293,"links":616,"title":638},"footer-use-case",[617,624,631],{"_key":618,"_type":143,"internal":619,"internalTarget":621,"label":623,"linkType":227},"fu-1",{"_ref":620,"_type":226},"page-SG-use-case-receive-revenue",{"_type":300,"slug":622},"use-case\u002Freceive-revenue","Receive Revenue",{"_key":625,"_type":143,"internal":626,"internalTarget":628,"label":630,"linkType":227},"fu-2",{"_ref":627,"_type":226},"page-SG-use-case-payroll",{"_type":300,"slug":629},"use-case\u002Fpayroll","Payroll",{"_key":632,"_type":143,"internal":633,"internalTarget":635,"label":637,"linkType":227},"fu-3",{"_ref":634,"_type":226},"page-SG-use-case-payments",{"_type":300,"slug":636},"use-case\u002Fpayments","Payments","Use Case",{"_key":640,"_type":293,"isLegal":141,"links":641,"title":661},"footer-legal",[642,649,654],{"_key":643,"_type":143,"internal":644,"internalTarget":646,"label":648,"linkType":227},"fl-1",{"_ref":645,"_type":226},"legalPage-SG-65a9e9bbd0bdabb429b1e156",{"_type":269,"slug":647},"privacy-policy","Privacy Policy",{"_key":650,"_type":143,"internal":651,"internalTarget":652,"label":653,"linkType":227},"fl-2",{"_ref":225,"_type":226},{"_type":269,"slug":270},"Terms of Service",{"_key":655,"_type":143,"internal":656,"internalTarget":658,"label":660,"linkType":227},"fl-3",{"_ref":657,"_type":226},"page-SG-complaints",{"_type":300,"slug":659},"complaints","Complaints Policy","Legal",{"_type":143,"externalUrl":663,"internalTarget":246,"label":62,"linkType":145},"https:\u002F\u002Fapp.aspireapp.com\u002Fregister\u002Fperson",[665,669,672,674,681,685],{"_key":666,"_type":143,"internalTarget":246,"label":667,"linkType":668},"nav-product","Product","none",{"_key":670,"_type":143,"internalTarget":246,"label":671,"linkType":668},"nav-solutions","Solutions",{"_key":673,"_type":143,"internalTarget":246,"label":554,"linkType":668},"nav-resources",{"_key":675,"_type":143,"internal":676,"internalTarget":678,"label":680,"linkType":227},"nav-pricing",{"_ref":677,"_type":226},"page-SG-pricing",{"_type":300,"slug":679},"pricing","Pricing",{"_key":682,"_type":143,"externalUrl":683,"internalTarget":246,"label":684,"linkType":145,"openInNewTab":141},"nav-login","https:\u002F\u002Fapp.aspireapp.com\u002Flogin","Login",{"_key":686,"_type":143,"externalUrl":663,"internalTarget":246,"label":62,"linkType":145,"openInNewTab":141},"nav-get-started",{"_type":143,"externalUrl":683,"internalTarget":246,"label":684,"linkType":145},[689,808,977],{"_key":690,"_type":691,"columns":692,"featured":796,"label":667},"mm-product","megaMenuPanel",[693,715,745,771],{"_key":694,"_type":695,"links":696,"title":302},"mm-product-account","megaMenuColumn",[697,704,710],{"_key":698,"_type":699,"link":700},"mm-p-multicurrency","megaMenuLink",{"_type":143,"internal":701,"internalTarget":702,"label":703,"linkType":227},{"_ref":298,"_type":226},{"_type":300,"slug":301},"Multi-Currency",{"_key":705,"_type":699,"link":706},"mm-p-cards",{"_type":143,"internal":707,"internalTarget":708,"label":709,"linkType":227},{"_ref":319,"_type":226},{"_type":300,"slug":321},"Smart Cards",{"_key":711,"_type":699,"link":712},"mm-p-yield",{"_type":143,"internal":713,"internalTarget":714,"label":56,"linkType":227},{"_ref":306,"_type":226},{"_type":300,"slug":308},{"_key":716,"_type":695,"links":717,"title":744},"mm-product-cfo",[718,723,729,735],{"_key":719,"_type":699,"link":720},"mm-p-expense",{"_type":143,"internal":721,"internalTarget":722,"label":315,"linkType":227},{"_ref":312,"_type":226},{"_type":300,"slug":314},{"_key":724,"_type":699,"link":725},"mm-p-budget",{"_type":143,"internal":726,"internalTarget":727,"label":728,"linkType":227},{"_ref":351,"_type":226},{"_type":300,"slug":353},"Budget Management",{"_key":730,"_type":699,"link":731},"mm-p-receivables",{"_type":143,"internal":732,"internalTarget":733,"label":734,"linkType":227},{"_ref":358,"_type":226},{"_type":300,"slug":360},"Accounts Receivable",{"_key":736,"_type":699,"badgeLabel":737,"link":738},"mm-p-procure-to-pay","NEW",{"_type":143,"internal":739,"internalTarget":741,"label":743,"linkType":227},{"_ref":740,"_type":226},"page-SG-procure-to-pay",{"_type":300,"slug":742},"procure-to-pay","Procure-to-pay","CFO Suite",{"_key":746,"_type":695,"badgeLabel":737,"links":747,"title":770},"mm-product-payroll",[748,754,762],{"_key":749,"_type":699,"link":750},"mm-p-payroll",{"_type":143,"internal":751,"internalTarget":752,"label":753,"linkType":227},{"_ref":627,"_type":226},{"_type":300,"slug":629},"Global Payroll",{"_key":755,"_type":699,"link":756},"mm-p-eor",{"_type":143,"internal":757,"internalTarget":759,"label":761,"linkType":227},{"_ref":758,"_type":226},"page-SG-employer-of-record",{"_type":300,"slug":760},"employer-of-record","Employer of Record",{"_key":763,"_type":699,"link":764},"mm-p-contractors",{"_type":143,"internal":765,"internalTarget":767,"label":769,"linkType":227},{"_ref":766,"_type":226},"page-SG-contractor-management-product",{"_type":300,"slug":768},"contractor-management-product","Contractors","Payroll & Hiring",{"_key":772,"_type":695,"links":773,"title":795},"mm-product-platform",[774,779,787],{"_key":775,"_type":699,"link":776},"mm-p-payments",{"_type":143,"internal":777,"internalTarget":778,"label":329,"linkType":227},{"_ref":326,"_type":226},{"_type":300,"slug":328},{"_key":780,"_type":699,"link":781},"mm-p-issuance",{"_type":143,"internal":782,"internalTarget":784,"label":786,"linkType":227},{"_ref":783,"_type":226},"page-SG-issuance",{"_type":300,"slug":785},"issuance","Issuance",{"_key":788,"_type":699,"link":789},"mm-p-accounts",{"_type":143,"internal":790,"internalTarget":792,"label":794,"linkType":227},{"_ref":791,"_type":226},"page-SG-global-account",{"_type":300,"slug":793},"global-account","Global Accounts","Platform",{"body":797,"eyebrow":798,"heading":799,"image":800,"link":805},"For businesses with complex operations that need a relationship manager.","Updates","Pricing that fits your business",{"_type":154,"alternativeText":801,"height":802,"url":803,"width":804},"The Aspire team",607,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Ff302d0af44c2c170a1f5c58beb11393e\u002F653f1ed2f29fc491d2cd5387_endowus.avif",1080,{"_type":143,"internal":806,"internalTarget":807,"label":799,"linkType":227},{"_ref":677,"_type":226},{"_type":300,"slug":679},{"_key":809,"_type":691,"columns":810,"featured":959,"label":671},"mm-solutions",[811,856,882,925],{"_key":812,"_type":695,"links":813,"title":855},"mm-solutions-industry",[814,823,831,839,847],{"_key":815,"_type":699,"link":816},"mm-s-consulting",{"_type":143,"internal":817,"internalTarget":819,"label":822,"linkType":227},{"_ref":818,"_type":226},"solution-SG-consulting",{"_type":820,"slug":821},"solution","consulting","Consulting",{"_key":824,"_type":699,"link":825},"mm-s-ecommerce",{"_type":143,"internal":826,"internalTarget":828,"label":830,"linkType":227},{"_ref":827,"_type":226},"solution-SG-ecommerce",{"_type":820,"slug":829},"ecommerce","eCommerce",{"_key":832,"_type":699,"link":833},"mm-s-agencies",{"_type":143,"internal":834,"internalTarget":836,"label":838,"linkType":227},{"_ref":835,"_type":226},"solution-SG-marketing-agencies",{"_type":820,"slug":837},"marketing-agencies","Marketing Agencies",{"_key":840,"_type":699,"link":841},"mm-s-vc",{"_type":143,"internal":842,"internalTarget":844,"label":846,"linkType":227},{"_ref":843,"_type":226},"solution-SG-vc-funds",{"_type":820,"slug":845},"vc-funds","VC & Investment Firms",{"_key":848,"_type":699,"link":849},"mm-s-web3",{"_type":143,"internal":850,"internalTarget":852,"label":854,"linkType":227},{"_ref":851,"_type":226},"solution-SG-web3",{"_type":820,"slug":853},"web3","Web3","By Industry",{"_key":857,"_type":695,"links":858,"title":881},"mm-solutions-size",[859,865,873],{"_key":860,"_type":699,"link":861},"mm-s-startups",{"_type":143,"internal":862,"internalTarget":863,"label":864,"linkType":227},{"_ref":532,"_type":226},{"_type":300,"slug":534},"Startups",{"_key":866,"_type":699,"link":867},"mm-s-sme",{"_type":143,"internal":868,"internalTarget":870,"label":872,"linkType":227},{"_ref":869,"_type":226},"solution-SG-sme",{"_type":820,"slug":871},"sme","SMEs",{"_key":874,"_type":699,"link":875},"mm-s-midsized",{"_type":143,"internal":876,"internalTarget":878,"label":880,"linkType":227},{"_ref":877,"_type":226},"solution-SG-mid-sized-companies",{"_type":820,"slug":879},"mid-sized-companies","Mid-Sized","By Company Size",{"_key":883,"_type":695,"links":884,"title":924},"mm-solutions-partner",[885,893,900,908,916],{"_key":886,"_type":699,"link":887},"mm-s-accountants",{"_type":143,"internal":888,"internalTarget":890,"label":892,"linkType":227},{"_ref":889,"_type":226},"page-SG-accountants",{"_type":300,"slug":891},"partners\u002Faccountants","Accountants",{"_key":894,"_type":699,"link":895},"mm-s-partner-ecommerce",{"_type":143,"internal":896,"internalTarget":898,"label":830,"linkType":227},{"_ref":897,"_type":226},"page-SG-ecommerce",{"_type":300,"slug":899},"partners\u002Fecommerce",{"_key":901,"_type":699,"link":902},"mm-s-corpsec",{"_type":143,"internal":903,"internalTarget":905,"label":907,"linkType":227},{"_ref":904,"_type":226},"page-SG-corpsec",{"_type":300,"slug":906},"partners\u002Fcorpsec","CorpSec",{"_key":909,"_type":699,"link":910},"mm-s-incubators",{"_type":143,"internal":911,"internalTarget":913,"label":915,"linkType":227},{"_ref":912,"_type":226},"page-SG-vc-and-incubators",{"_type":300,"slug":914},"partners\u002Fvc-and-incubators","VC & Incubators",{"_key":917,"_type":699,"link":918},"mm-s-affiliates",{"_type":143,"internal":919,"internalTarget":921,"label":923,"linkType":227},{"_ref":920,"_type":226},"page-SG-aspire-affiliate-program",{"_type":300,"slug":922},"partners\u002Faspire-affiliate-program","Affiliates","By Partner",{"_key":926,"_type":695,"links":927,"title":958},"mm-solutions-connectivity",[928,936,942,950],{"_key":929,"_type":699,"link":930},"mm-s-connect",{"_type":143,"internal":931,"internalTarget":933,"label":935,"linkType":227},{"_ref":932,"_type":226},"page-SG-aspire-connect",{"_type":300,"slug":934},"aspire-connect","Aspire Connect",{"_key":937,"_type":699,"link":938},"mm-s-integrations",{"_type":143,"internal":939,"internalTarget":940,"label":941,"linkType":227},{"_ref":344,"_type":226},{"_type":300,"slug":346},"Integrations",{"_key":943,"_type":699,"link":944},"mm-s-api",{"_type":143,"internal":945,"internalTarget":947,"label":949,"linkType":227},{"_ref":946,"_type":226},"page-SG-api",{"_type":300,"slug":948},"api","API",{"_key":951,"_type":699,"badgeLabel":737,"link":952},"mm-s-mcp",{"_type":143,"internal":953,"internalTarget":955,"label":957,"linkType":227},{"_ref":954,"_type":226},"page-SG-mcp",{"_type":300,"slug":956},"mcp","MCP","Connectivity & AI",{"body":960,"eyebrow":961,"link":962,"logo":965,"person":970},"“Opening an Aspire account was pretty quick and more importantly painless... I appreciated the excellent service they provided through the whole process. Their online platform is very user-friendly and has some great features.”","Customer Testimonials",{"_type":143,"externalUrl":963,"internalTarget":246,"label":964,"linkType":145},"https:\u002F\u002Ftestimonial.to\u002Faspire-testimonials\u002Fall","View all testimonials",{"_type":154,"alternativeText":966,"height":967,"url":968,"width":969},"Tech In Asia",108,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F2ff0ffa9ddde696666b9864ea7a4e8ad\u002F6967697bcce642d4aa1d7957_tech-in-asia-logo-600w.webp",600,{"image":971,"name":975,"role":976},{"_type":154,"alternativeText":972,"height":973,"url":974,"width":973},"Latha Natarajan, Finance Director at Tech In Asia",41,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Ffe034d0bece564c2cd527bcd337b3806\u002F65a9ea853128c50ff747dae9_latha-natrajan-small.webp","Latha Natarajan","Finance Director at Tech In Asia",{"_key":978,"_type":691,"columns":979,"featured":1050,"label":554},"mm-resources",[980,1008,1028],{"_key":981,"_type":695,"links":982,"title":1007},"mm-resources-knowledge",[983,989,997,1002],{"_key":984,"_type":699,"link":985},"mm-r-blog",{"_type":143,"internal":986,"internalTarget":987,"label":988,"linkType":227},{"_ref":519,"_type":226},{"_type":300,"slug":521},"Blogs",{"_key":990,"_type":699,"link":991},"mm-r-reports",{"_type":143,"internal":992,"internalTarget":994,"label":996,"linkType":227},{"_ref":993,"_type":226},"page-SG-downloads",{"_type":300,"slug":995},"downloads","Reports & Insights",{"_key":998,"_type":699,"link":999},"mm-r-updates",{"_type":143,"internal":1000,"internalTarget":1001,"label":606,"linkType":227},{"_ref":603,"_type":226},{"_type":300,"slug":605},{"_key":1003,"_type":699,"link":1004},"mm-r-faqs",{"_type":143,"externalUrl":1005,"internalTarget":246,"label":1006,"linkType":145},"https:\u002F\u002Fhelp.aspireapp.com\u002Fsg\u002Fen","FAQs","Knowledge Hub",{"_key":1009,"_type":695,"links":1010,"title":1027},"mm-resources-benefits",[1011,1019],{"_key":1012,"_type":699,"link":1013},"mm-r-cashback",{"_type":143,"internal":1014,"internalTarget":1016,"label":1018,"linkType":227},{"_ref":1015,"_type":226},"page-SG-cashback",{"_type":300,"slug":1017},"cashback","Cashback",{"_key":1020,"_type":699,"link":1021},"mm-r-rewards",{"_type":143,"internal":1022,"internalTarget":1024,"label":1026,"linkType":227},{"_ref":1023,"_type":226},"page-SG-rewards",{"_type":300,"slug":1025},"rewards","Perks & Rewards","Benefits",{"_key":1029,"_type":695,"links":1030,"title":1049},"mm-resources-about",[1031,1036,1044],{"_key":1032,"_type":699,"link":1033},"mm-r-about",{"_type":143,"internal":1034,"internalTarget":1035,"label":564,"linkType":227},{"_ref":561,"_type":226},{"_type":300,"slug":563},{"_key":1037,"_type":699,"link":1038},"mm-r-compare",{"_type":143,"internal":1039,"internalTarget":1041,"label":1043,"linkType":227},{"_ref":1040,"_type":226},"blogPost-SG-65a9e9bbd0bdabb429b1e29f",{"_type":481,"slug":1042},"comparing-the-best-business-bank-accounts-in-singapore","Aspire vs Others",{"_key":1045,"_type":699,"link":1046},"mm-r-partner",{"_type":143,"internal":1047,"internalTarget":1048,"label":599,"linkType":227},{"_ref":596,"_type":226},{"_type":300,"slug":598},"About",{"body":1051,"eyebrow":542,"heading":1052,"image":1053,"link":1058},"How Zenyum mastered employee spending with Aspire Corporate Cards","Zenyum",{"_type":154,"alternativeText":1054,"height":1055,"url":1056,"width":1057},"Zenyum case study",630,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F8cd9cb36660346c1a7800361ffa23ff2\u002F6a321ee064219f824ac470e4_zenyum.webp",1200,{"_type":143,"internal":1059,"internalTarget":1061,"label":111,"linkType":227},{"_ref":1060,"_type":226},"caseStudy-SG-667910e15a161403019bffeb",{"_type":1062,"slug":1063},"caseStudy","zenyum",{"_createdAt":1065,"_id":1066,"_rev":1067,"_type":1068,"_updatedAt":1069,"asideCta":1070,"bottomCta":1079,"disclaimer":1085,"market":84,"midCta":1114},"2026-08-07T16:36:45Z","blogPostTemplate-SG","s8k3pIFJmZrTtV5XljWRgT","blogPostTemplate","2026-10-01T04:56:31Z",{"heading":1071,"image":1072,"link":1077},"Open your business account with Aspire",{"_type":154,"alternativeText":1073,"height":1074,"url":1075,"width":1076},"The Aspire account dashboard open on a laptop",200,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fc76545453549b9687122cd1c3bcbf74c\u002F6a5d107fcd56089dc7cbd4e7_Frame-1707480717.png",305,{"_type":143,"externalUrl":663,"label":1078,"linkType":145},"Start now",{"body":1080,"heading":1081,"link":1082},"Open your free account","Start your journey with Aspire",{"_type":143,"externalUrl":1083,"label":1084,"linkType":145},"\u002Ftalk-to-sales","Talk to Sales",[1086],{"_key":1087,"_type":170,"children":1088,"markDefs":1109,"style":190},"ef8e67a8-f55",[1089,1093,1097,1101,1105],{"_key":1090,"_type":174,"marks":1091,"text":1092},"f3f2e6b0-2af",[],"This blog is for general information only and does not constitute financial, legal, tax, or professional advice. Aspire’s services are subject to the terms outlined in our '",{"_key":1094,"_type":174,"marks":1095,"text":653},"3d14a735-e06",[1096],"a6912ed5-4b2",{"_key":1098,"_type":174,"marks":1099,"text":1100},"34cbb81c-fdb",[],"' and '",{"_key":1102,"_type":174,"marks":1103,"text":680},"0dadbe23-634",[1104],"4b7ecead-82d",{"_key":1106,"_type":174,"marks":1107,"text":1108},"05a9a450-8c7",[],"' pages. We make no guarantees as to the accuracy, completeness, or timeliness of the content, and past results do not indicate future performance. Always consult a qualified professional before acting on any information provided.",[1110,1112],{"_key":1096,"_type":188,"externalUrl":1111,"linkType":145},"\u002Ftnc\u002Fmaster-service-agreement",{"_key":1104,"_type":188,"externalUrl":1113,"linkType":145},"\u002Fpricing",{"body":1115,"eyebrow":528,"heading":1116,"image":1117,"link":1122},"Find out how Aspire can help you speed up your end-to-end finance processes from payments to expense management.","Supercharge your finance operations",{"_type":154,"alternativeText":1118,"height":1119,"url":1120,"width":1121},"A person working at a laptop with an open notebook beside them",1026,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fd84bbcbad1e6ba37331742538394d1b0\u002F69d5f2a347377654dbe286ac_blog-post-template-04-q70.webp",1048,{"_type":143,"externalUrl":1083,"label":1123,"linkType":145},"Talk to sales",[1125,1134,1145,1155],{"_id":1126,"category":1127,"coverImage":1128,"description":1131,"publishedAt":1132,"slug":1133,"title":1129},"blogPost-SG-6aa81a1539b471392a83d4cd",{"slug":591,"title":592},{"_type":154,"alternativeText":1129,"url":1130},"Aspire Launches Aspire Account-Opening Integration With Osome","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F4a31adfeaddefdf9b7f4ef5f566c00ad\u002F6aa81a1339b471392a83d438_Aspire-Osome.jpeg","Aspire and Osome partner to enable faster Business Account opening","2026-09-16T00:00:00.000Z","aspire-osome-account-opening-integration",{"_id":1135,"category":1136,"coverImage":1139,"description":1142,"publishedAt":1143,"slug":1144,"title":1140},"blogPost-SG-6a8c6a9a178cfe861275b350",{"slug":1137,"title":1138},"finance-tools","Finance Tools",{"_type":154,"alternativeText":1140,"url":1141},"Stripe payment processing for Singapore businesses: Setup, fees, and alternatives","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fcb6607760ee020276ebb5087fbf64245\u002F6a8c6a98178cfe861275b2fb_EXPENSE-MGMT-49.jpeg","Learn how Stripe works in Singapore, how to set it up, fees and payouts, accepted payment methods, and options for growing businesses.","2026-09-09T00:00:00.000Z","stripe-payment-processing-singapore-businesses",{"_id":1146,"category":1147,"coverImage":1150,"description":1153,"publishedAt":1143,"slug":1154,"title":1151},"blogPost-SG-6a95a525d8f437f2334d1202",{"slug":1148,"title":1149},"business-advice","Business Advice",{"_type":154,"alternativeText":1151,"url":1152},"Payroll outsourcing in Singapore: What founders need to know","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F4ab5f167b1dd7ea6df896c17cf95674e\u002F6a95a521d8f437f2334d113d_PAYMENTS-14.jpeg","Learn about payroll outsourcing, including costs, services, benefits, risks, and how to choose the right provider for your business in Singapore.","payroll-outsourcing-singapore-explained",{"_id":1156,"category":1157,"coverImage":1158,"description":1161,"publishedAt":1143,"slug":1162,"title":1159},"blogPost-SG-6a95a538fb9a05eaf4b9774c",{"slug":1148,"title":1149},{"_type":154,"alternativeText":1159,"url":1160},"Global payroll outsourcing: How it works for Singapore businesses in 2026","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fbe849a3e08f8d5d0a5bcbbffb5b2ba7b\u002F6a95a537fb9a05eaf4b97747_PAYMENTS-45.jpeg","Learn how global payroll outsourcing works for Singapore businesses, from local payroll requirements and compliance to EORs and choosing the right provider.","global-payroll-outsourcing",{"data":1164,"sourceMap":-1},{"_id":1165,"_updatedAt":1166,"alternates":1167,"areSourcesShown":152,"author":1169,"body":1179,"category":2446,"coverImage":2447,"excerpt":2450,"faq":246,"intro":2458,"isFaqShown":152,"isSummaryShown":152,"isVideoShown":152,"publishedAt":2543,"reviewer":246,"seo":2544,"slug":2546,"sources":246,"title":2448,"video":246},"blogPost-SG-6835953ea159c5ecfa261dab","2026-09-24T08:39:55Z",[1168],{"canonicalUrl":246,"isNoIndex":246,"language":246,"market":84,"pathPrefix":246},{"avatar":1170,"bio":1175,"doesServePage":141,"linkedinUrl":1176,"name":1171,"role":1177,"slug":1178,"twitterUrl":246},{"_type":154,"alternativeText":1171,"height":1172,"url":1173,"width":1174},"Aaron Oh",531,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fe9dd13f054f96ed8109919914ded7706\u002F656ee6448fe54a42218817dc_DSC_0048.jpg",413,"Aaron is a seasoned content writer specialising in finance, insurance and tech industries. With a writing history at S&P Global, EdgeProp, Indeed, Prudential, and others, Aaron leverages finance knowledge and business insights to help businesses improve productivity and performance.","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Faaron-oh","Writer","aaron-oh",[1180,1190,1206,1216,1224,1232,1240,1248,1256,1264,1272,1280,1288,1296,1304,1312,1320,1328,1336,1344,1352,1360,1368,1376,1384,1392,1401,1409,1549,1557,1563,1571,1579,1587,1595,1603,1611,1619,1627,1635,1643,1651,1659,1667,1675,1683,1691,1699,1707,1715,1723,1731,1739,1747,1755,1763,1771,1779,1787,1803,1811,1819,1827,1835,1843,1846,1854,1877,1892,1900,1908,1916,1924,1932,1947,1955,1963,1971,1979,1987,1995,2003,2011,2019,2027,2035,2043,2055,2067,2079,2091,2103,2119,2127,2135,2143,2151,2159,2167,2175,2183,2191,2199,2207,2223,2231,2239,2247,2255,2263,2271,2287,2290,2298,2322,2344,2356,2378,2400,2422,2438],{"_key":1181,"_type":170,"children":1182,"markDefs":1188,"style":1189},"k2",[1183],{"_key":1184,"_type":174,"marks":1185,"text":1187},"k1",[1186],"strong","T&E Meaning: What Does It Really Cover?",[],"h2",{"_key":1191,"_type":170,"children":1192,"markDefs":1205,"style":190},"k9",[1193,1197,1201],{"_key":1194,"_type":174,"marks":1195,"text":1196},"k6",[],"T&E stands for ",{"_key":1198,"_type":174,"marks":1199,"text":1200},"k7",[1186],"Travel and Expense",{"_key":1202,"_type":174,"marks":1203,"text":1204},"k8",[],", which refers to the various costs employees incur while performing work-related duties outside the office. This typically includes:",[],{"_key":1207,"_type":170,"children":1208,"level":1213,"listItem":1214,"markDefs":1215,"style":190},"k12",[1209],{"_key":1210,"_type":174,"marks":1211,"text":1212},"k11",[],"Flights and transportation",1,"bullet",[],{"_key":1217,"_type":170,"children":1218,"level":1213,"listItem":1214,"markDefs":1223,"style":190},"k15",[1219],{"_key":1220,"_type":174,"marks":1221,"text":1222},"k14",[],"Hotel stays",[],{"_key":1225,"_type":170,"children":1226,"level":1213,"listItem":1214,"markDefs":1231,"style":190},"k18",[1227],{"_key":1228,"_type":174,"marks":1229,"text":1230},"k17",[],"Client meals and entertainment",[],{"_key":1233,"_type":170,"children":1234,"level":1213,"listItem":1214,"markDefs":1239,"style":190},"k21",[1235],{"_key":1236,"_type":174,"marks":1237,"text":1238},"k20",[],"Miscellaneous costs like visas, Wi-Fi charges, and parking",[],{"_key":1241,"_type":170,"children":1242,"markDefs":1247,"style":190},"k24",[1243],{"_key":1244,"_type":174,"marks":1245,"text":1246},"k23",[],"In short, T&E expenses are expenses incurred during business trips or entertainment events, all of which are used to build your company's reach and revenue.",[],{"_key":1249,"_type":170,"children":1250,"markDefs":1255,"style":190},"k27",[1251],{"_key":1252,"_type":174,"marks":1253,"text":1254},"k26",[],"Let's say you send your sales manager to Kuala Lumpur for a three-day conference. The flights, hotel, daily Grab rides, meals with potential partners, and even the S$12 data SIM card she buys at KLIA—all of that falls under T&E.",[],{"_key":1257,"_type":170,"children":1258,"markDefs":1263,"style":190},"k30",[1259],{"_key":1260,"_type":174,"marks":1261,"text":1262},"k29",[],"And here's the kicker: according to the Global Business Travel Association, T&E can account for up to 10% of a company's total budget. That's not pocket change—especially when you're growing fast and watching cash flow closely.",[],{"_key":1265,"_type":170,"children":1266,"markDefs":1271,"style":1189},"k33",[1267],{"_key":1268,"_type":174,"marks":1269,"text":1270},"k32",[1186],"Business Travel: The Largest Piece of the T&E Puzzle",[],{"_key":1273,"_type":170,"children":1274,"markDefs":1279,"style":190},"k36",[1275],{"_key":1276,"_type":174,"marks":1277,"text":1278},"k35",[],"Let's be honest. Business trips are essential.",[],{"_key":1281,"_type":170,"children":1282,"markDefs":1287,"style":190},"k39",[1283],{"_key":1284,"_type":174,"marks":1285,"text":1286},"k38",[],"You may be meeting a potential investor, attending a trade expo, or visiting a supplier in Johor Bahru. Whatever the case, travel is part of doing business.",[],{"_key":1289,"_type":170,"children":1290,"markDefs":1295,"style":190},"k42",[1291],{"_key":1292,"_type":174,"marks":1293,"text":1294},"k41",[],"But here’s where it gets tricky. Business travel is often unstructured, spontaneous, and sometimes—well—expensive.",[],{"_key":1297,"_type":170,"children":1298,"markDefs":1303,"style":190},"k45",[1299],{"_key":1300,"_type":174,"marks":1301,"text":1302},"k44",[],"Imagine this:",[],{"_key":1305,"_type":170,"children":1306,"level":1213,"listItem":1214,"markDefs":1311,"style":190},"k48",[1307],{"_key":1308,"_type":174,"marks":1309,"text":1310},"k47",[],"Your employee books a last-minute business class flight to Tokyo (ouch).",[],{"_key":1313,"_type":170,"children":1314,"level":1213,"listItem":1214,"markDefs":1319,"style":190},"k51",[1315],{"_key":1316,"_type":174,"marks":1317,"text":1318},"k50",[],"They pick a hotel in Shibuya for S$550 per night.",[],{"_key":1321,"_type":170,"children":1322,"level":1213,"listItem":1214,"markDefs":1327,"style":190},"k54",[1323],{"_key":1324,"_type":174,"marks":1325,"text":1326},"k53",[],"They take a client to a premium sushi omakase dinner—no pre-approval.",[],{"_key":1329,"_type":170,"children":1330,"markDefs":1335,"style":190},"k57",[1331],{"_key":1332,"_type":174,"marks":1333,"text":1334},"k56",[],"Sounds familiar? That's how travel and entertainment expenses can be out of control.",[],{"_key":1337,"_type":170,"children":1338,"markDefs":1343,"style":190},"k60",[1339],{"_key":1340,"_type":174,"marks":1341,"text":1342},"k59",[],"To manage this effectively:",[],{"_key":1345,"_type":170,"children":1346,"level":1213,"listItem":1214,"markDefs":1351,"style":190},"k63",[1347],{"_key":1348,"_type":174,"marks":1349,"text":1350},"k62",[],"Set clear spending limits for transport, accommodation, and meals.",[],{"_key":1353,"_type":170,"children":1354,"level":1213,"listItem":1214,"markDefs":1359,"style":190},"k66",[1355],{"_key":1356,"_type":174,"marks":1357,"text":1358},"k65",[],"Implement approval processes before significant expenses are incurred.",[],{"_key":1361,"_type":170,"children":1362,"level":1213,"listItem":1214,"markDefs":1367,"style":190},"k69",[1363],{"_key":1364,"_type":174,"marks":1365,"text":1366},"k68",[],"Encourage booking in advance to take advantage of early bird rates.",[],{"_key":1369,"_type":170,"children":1370,"level":1213,"listItem":1214,"markDefs":1375,"style":190},"k72",[1371],{"_key":1372,"_type":174,"marks":1373,"text":1374},"k71",[],"Use a T&E expense management tool to track everything in real time.",[],{"_key":1377,"_type":170,"children":1378,"markDefs":1383,"style":190},"k75",[1379],{"_key":1380,"_type":174,"marks":1381,"text":1382},"k74",[],"For example, one local tech startup set a fixed hotel allowance of S$180\u002Fnight and a daily meal cap of S$60 for all SEA business trips. It helped them reduce travel overspending by 30% in six months.",[],{"_key":1385,"_type":170,"children":1386,"markDefs":1391,"style":1189},"k78",[1387],{"_key":1388,"_type":174,"marks":1389,"text":1390},"k77",[1186],"Business Travel Expenses: What to Track and Why",[],{"_key":1393,"_type":170,"children":1394,"markDefs":1399,"style":1400},"k81",[1395],{"_key":1396,"_type":174,"marks":1397,"text":1398},"k80",[1186],"So, what exactly are these expenses?",[],"h3",{"_key":1402,"_type":170,"children":1403,"markDefs":1408,"style":190},"k84",[1404],{"_key":1405,"_type":174,"marks":1406,"text":1407},"k83",[],"Here’s a quick list of the common items:",[],{"_key":1410,"_type":1411,"columnHeaders":1412,"hasColumnTitles":141,"hasRowTitles":152,"rows":1421},"k85","richTableBlock",[1413,1418],{"_key":1414,"_type":1415,"cellIndex":1416,"title":1417},"k86","columnHeader",0,"Category",{"_key":1419,"_type":1415,"cellIndex":1213,"title":1420},"k87","Examples",[1422,1449,1474,1499,1524],{"_key":1423,"_type":1424,"cells":1425},"k88","row",[1426,1438],{"_key":1427,"_type":1428,"content":1429},"k89","richTableCell",[1430],{"_key":1431,"_type":170,"children":1432,"markDefs":1437,"style":190},"k125",[1433],{"_key":1434,"_type":174,"marks":1435,"text":1436},"k124",[],"Transportation",[],{"_key":1439,"_type":1428,"content":1440},"k92",[1441],{"_key":1442,"_type":170,"children":1443,"markDefs":1448,"style":190},"k128",[1444],{"_key":1445,"_type":174,"marks":1446,"text":1447},"k127",[],"Flights, trains, taxis, car rentals, tolls",[],{"_key":1450,"_type":1424,"cells":1451},"k95",[1452,1463],{"_key":1453,"_type":1428,"content":1454},"k96",[1455],{"_key":1456,"_type":170,"children":1457,"markDefs":1462,"style":190},"k131",[1458],{"_key":1459,"_type":174,"marks":1460,"text":1461},"k130",[],"Accommodation",[],{"_key":1464,"_type":1428,"content":1465},"k99",[1466],{"_key":1467,"_type":170,"children":1468,"markDefs":1473,"style":190},"k134",[1469],{"_key":1470,"_type":174,"marks":1471,"text":1472},"k133",[],"Hotel bookings, service apartments",[],{"_key":1475,"_type":1424,"cells":1476},"k102",[1477,1488],{"_key":1478,"_type":1428,"content":1479},"k103",[1480],{"_key":1481,"_type":170,"children":1482,"markDefs":1487,"style":190},"k137",[1483],{"_key":1484,"_type":174,"marks":1485,"text":1486},"k136",[],"Meals",[],{"_key":1489,"_type":1428,"content":1490},"k106",[1491],{"_key":1492,"_type":170,"children":1493,"markDefs":1498,"style":190},"k140",[1494],{"_key":1495,"_type":174,"marks":1496,"text":1497},"k139",[],"Client lunches, daily meal allowance",[],{"_key":1500,"_type":1424,"cells":1501},"k109",[1502,1513],{"_key":1503,"_type":1428,"content":1504},"k110",[1505],{"_key":1506,"_type":170,"children":1507,"markDefs":1512,"style":190},"k143",[1508],{"_key":1509,"_type":174,"marks":1510,"text":1511},"k142",[],"Entertainment Expenses",[],{"_key":1514,"_type":1428,"content":1515},"k113",[1516],{"_key":1517,"_type":170,"children":1518,"markDefs":1523,"style":190},"k146",[1519],{"_key":1520,"_type":174,"marks":1521,"text":1522},"k145",[],"Client events, show tickets, and golf sessions",[],{"_key":1525,"_type":1424,"cells":1526},"k116",[1527,1538],{"_key":1528,"_type":1428,"content":1529},"k117",[1530],{"_key":1531,"_type":170,"children":1532,"markDefs":1537,"style":190},"k149",[1533],{"_key":1534,"_type":174,"marks":1535,"text":1536},"k148",[],"Miscellaneous",[],{"_key":1539,"_type":1428,"content":1540},"k120",[1541],{"_key":1542,"_type":170,"children":1543,"markDefs":1548,"style":190},"k152",[1544],{"_key":1545,"_type":174,"marks":1546,"text":1547},"k151",[],"Parking, SIM cards, airport Wi-Fi, and visa fees",[],{"_key":1550,"_type":170,"children":1551,"markDefs":1556,"style":190},"k155",[1552],{"_key":1553,"_type":174,"marks":1554,"text":1555},"k154",[],"It’s important to note that entertainment expenses typically include client meals, business entertainment events, and other hospitality costs that support business development.",[],{"_key":1558,"_type":154,"height":1559,"position":1560,"url":1561,"width":1562},"k156",270,"center","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002Fc3f179d4a2d7433d5db3e08f71a6b0bb\u002Fa-comprehensive-guide-to-travel-and-expenses_body_a-comprehensive-guide-to-travel-and_1.gif",480,{"_key":1564,"_type":170,"children":1565,"markDefs":1570,"style":1400},"k159",[1566],{"_key":1567,"_type":174,"marks":1568,"text":1569},"k158",[1186],"Why Tracking Matters:",[],{"_key":1572,"_type":170,"children":1573,"level":1213,"listItem":1214,"markDefs":1578,"style":190},"k162",[1574],{"_key":1575,"_type":174,"marks":1576,"text":1577},"k161",[],"Expenses incurred during business trips need accurate records for tax reporting.",[],{"_key":1580,"_type":170,"children":1581,"level":1213,"listItem":1214,"markDefs":1586,"style":190},"k165",[1582],{"_key":1583,"_type":174,"marks":1584,"text":1585},"k164",[],"Employees must submit detailed receipts to get each expense reimbursed quickly.",[],{"_key":1588,"_type":170,"children":1589,"level":1213,"listItem":1214,"markDefs":1594,"style":190},"k168",[1590],{"_key":1591,"_type":174,"marks":1592,"text":1593},"k167",[],"Proper tracking ensures that no fraudulent or duplicate claims sneak in.",[],{"_key":1596,"_type":170,"children":1597,"markDefs":1602,"style":190},"k171",[1598],{"_key":1599,"_type":174,"marks":1600,"text":1601},"k170",[],"If your team still relies on Excel sheets, physical receipts, and email-based approvals, it's time to change. Modern expense management software automates the entire expense reporting process, so you don't have to chase receipts or worry about expense fraud.",[],{"_key":1604,"_type":170,"children":1605,"markDefs":1610,"style":190},"k174",[1606],{"_key":1607,"_type":174,"marks":1608,"text":1609},"k173",[],"Plus, your employees will love how easy it is. They snap a receipt and add a few details, and that's it. Done in 2 minutes, not 2 hours.",[],{"_key":1612,"_type":170,"children":1613,"markDefs":1618,"style":1189},"k177",[1614],{"_key":1615,"_type":174,"marks":1616,"text":1617},"k176",[1186],"The True Cost of Expense Incurred Without Oversight",[],{"_key":1620,"_type":170,"children":1621,"markDefs":1626,"style":190},"k180",[1622],{"_key":1623,"_type":174,"marks":1624,"text":1625},"k179",[],"Every employee expense needs to be accounted for, not just for reimbursement but also for financial planning, audit readiness, and tax purposes.",[],{"_key":1628,"_type":170,"children":1629,"markDefs":1634,"style":190},"k183",[1630],{"_key":1631,"_type":174,"marks":1632,"text":1633},"k182",[],"If an employee forgets to submit a cab receipt or logs an expense incorrectly, it can lead to:",[],{"_key":1636,"_type":170,"children":1637,"level":1213,"listItem":1214,"markDefs":1642,"style":190},"k186",[1638],{"_key":1639,"_type":174,"marks":1640,"text":1641},"k185",[],"Budget misalignment",[],{"_key":1644,"_type":170,"children":1645,"level":1213,"listItem":1214,"markDefs":1650,"style":190},"k189",[1646],{"_key":1647,"_type":174,"marks":1648,"text":1649},"k188",[],"Difficulty in forecasting",[],{"_key":1652,"_type":170,"children":1653,"level":1213,"listItem":1214,"markDefs":1658,"style":190},"k192",[1654],{"_key":1655,"_type":174,"marks":1656,"text":1657},"k191",[],"Compliance risks (especially for tax-deductible expenses)",[],{"_key":1660,"_type":170,"children":1661,"markDefs":1666,"style":190},"k195",[1662],{"_key":1663,"_type":174,"marks":1664,"text":1665},"k194",[],"That's why more businesses in Singapore are turning to T&E expense management software. It keeps things transparent, traceable, and most importantly, fast.",[],{"_key":1668,"_type":170,"children":1669,"markDefs":1674,"style":1189},"k198",[1670],{"_key":1671,"_type":174,"marks":1672,"text":1673},"k197",[1186],"Expense Management: Why It’s the Secret Weapon of Efficient Businesses",[],{"_key":1676,"_type":170,"children":1677,"markDefs":1682,"style":190},"k201",[1678],{"_key":1679,"_type":174,"marks":1680,"text":1681},"k200",[],"Let's zoom out for a moment. T&E is just one part of your larger business expense ecosystem. And managing these costs efficiently is a game-changer.",[],{"_key":1684,"_type":170,"children":1685,"markDefs":1690,"style":190},"k204",[1686],{"_key":1687,"_type":174,"marks":1688,"text":1689},"k203",[],"Expense management is all about:",[],{"_key":1692,"_type":170,"children":1693,"level":1213,"listItem":1214,"markDefs":1698,"style":190},"k207",[1694],{"_key":1695,"_type":174,"marks":1696,"text":1697},"k206",[],"Tracking where your money is going",[],{"_key":1700,"_type":170,"children":1701,"level":1213,"listItem":1214,"markDefs":1706,"style":190},"k210",[1702],{"_key":1703,"_type":174,"marks":1704,"text":1705},"k209",[],"Approving expenses based on company policy",[],{"_key":1708,"_type":170,"children":1709,"level":1213,"listItem":1214,"markDefs":1714,"style":190},"k213",[1710],{"_key":1711,"_type":174,"marks":1712,"text":1713},"k212",[],"Reimbursing employees on time",[],{"_key":1716,"_type":170,"children":1717,"level":1213,"listItem":1214,"markDefs":1722,"style":190},"k216",[1718],{"_key":1719,"_type":174,"marks":1720,"text":1721},"k215",[],"Reporting on patterns to find cost-saving opportunities",[],{"_key":1724,"_type":170,"children":1725,"markDefs":1730,"style":190},"k219",[1726],{"_key":1727,"_type":174,"marks":1728,"text":1729},"k218",[],"When done right, it helps you:",[],{"_key":1732,"_type":170,"children":1733,"level":1213,"listItem":1214,"markDefs":1738,"style":190},"k222",[1734],{"_key":1735,"_type":174,"marks":1736,"text":1737},"k221",[],"Cut down on wastage",[],{"_key":1740,"_type":170,"children":1741,"level":1213,"listItem":1214,"markDefs":1746,"style":190},"k225",[1742],{"_key":1743,"_type":174,"marks":1744,"text":1745},"k224",[],"Improve compliance",[],{"_key":1748,"_type":170,"children":1749,"level":1213,"listItem":1214,"markDefs":1754,"style":190},"k228",[1750],{"_key":1751,"_type":174,"marks":1752,"text":1753},"k227",[],"Make smarter budgeting decisions",[],{"_key":1756,"_type":170,"children":1757,"markDefs":1762,"style":190},"k231",[1758],{"_key":1759,"_type":174,"marks":1760,"text":1761},"k230",[],"Using a tool like Aspire, you can go even further by integrating expense management with your corporate cards and business accounts. That means real-time visibility into every dollar spent—from coffee at Changi Airport to hotel bookings in Tokyo.",[],{"_key":1764,"_type":170,"children":1765,"markDefs":1770,"style":1189},"k234",[1766],{"_key":1767,"_type":174,"marks":1768,"text":1769},"k233",[1186],"Why the Expense Reporting Process Should Be Automated",[],{"_key":1772,"_type":170,"children":1773,"markDefs":1778,"style":190},"k237",[1774],{"_key":1775,"_type":174,"marks":1776,"text":1777},"k236",[],"You might be thinking: “Isn't this what accountants are for?”",[],{"_key":1780,"_type":170,"children":1781,"markDefs":1786,"style":190},"k240",[1782],{"_key":1783,"_type":174,"marks":1784,"text":1785},"k239",[],"Sure. However, relying solely on manual processing increases the risk of errors, delays, and even non-compliance.",[],{"_key":1788,"_type":170,"children":1789,"markDefs":1802,"style":190},"k247",[1790,1794,1798],{"_key":1791,"_type":174,"marks":1792,"text":1793},"k244",[],"An automated ",{"_key":1795,"_type":174,"marks":1796,"text":1797},"k245",[1186],"expense reporting process",{"_key":1799,"_type":174,"marks":1800,"text":1801},"k246",[]," offers:",[],{"_key":1804,"_type":170,"children":1805,"level":1213,"listItem":1214,"markDefs":1810,"style":190},"k250",[1806],{"_key":1807,"_type":174,"marks":1808,"text":1809},"k249",[],"Faster approvals and reimbursements",[],{"_key":1812,"_type":170,"children":1813,"level":1213,"listItem":1214,"markDefs":1818,"style":190},"k253",[1814],{"_key":1815,"_type":174,"marks":1816,"text":1817},"k252",[],"Real-time syncing of transactions",[],{"_key":1820,"_type":170,"children":1821,"level":1213,"listItem":1214,"markDefs":1826,"style":190},"k256",[1822],{"_key":1823,"_type":174,"marks":1824,"text":1825},"k255",[],"Accurate data for financial reports",[],{"_key":1828,"_type":170,"children":1829,"level":1213,"listItem":1214,"markDefs":1834,"style":190},"k259",[1830],{"_key":1831,"_type":174,"marks":1832,"text":1833},"k258",[],"Less stress for both your employees and finance team",[],{"_key":1836,"_type":170,"children":1837,"markDefs":1842,"style":190},"k262",[1838],{"_key":1839,"_type":174,"marks":1840,"text":1841},"k261",[],"To get a reimbursement process done quickly, your employees must submit complete documentation within the system. No back-and-forth emails. No piles of receipts.",[],{"_key":1844,"_type":154,"height":1559,"position":1560,"url":1845,"width":1562},"k263","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F72f84555aa819dc89841732deb92d379\u002Fa-comprehensive-guide-to-travel-and-expenses_body_a-comprehensive-guide-to-travel-and_2.gif",{"_key":1847,"_type":170,"children":1848,"markDefs":1853,"style":1189},"k266",[1849],{"_key":1850,"_type":174,"marks":1851,"text":1852},"k265",[1186],"Business Expenses: What Falls Under T&E (and What Doesn’t)",[],{"_key":1855,"_type":170,"children":1856,"markDefs":1876,"style":190},"k277",[1857,1861,1865,1869,1873],{"_key":1858,"_type":174,"marks":1859,"text":1860},"k272",[],"Let's clear up some confusion. Not all ",{"_key":1862,"_type":174,"marks":1863,"text":1864},"k273",[1186],"business expenses",{"_key":1866,"_type":174,"marks":1867,"text":1868},"k274",[]," fall under ",{"_key":1870,"_type":174,"marks":1871,"text":1872},"k275",[1186],"T&E",{"_key":1874,"_type":174,"marks":1875,"text":185},"k276",[],[],{"_key":1878,"_type":170,"children":1879,"markDefs":1891,"style":190},"k284",[1880,1884,1887],{"_key":1881,"_type":174,"marks":1882,"text":1883},"k281",[],"Here's what typically counts as ",{"_key":1885,"_type":174,"marks":1886,"text":1872},"k282",[1186],{"_key":1888,"_type":174,"marks":1889,"text":1890},"k283",[],":",[],{"_key":1893,"_type":170,"children":1894,"level":1213,"listItem":1214,"markDefs":1899,"style":190},"k287",[1895],{"_key":1896,"_type":174,"marks":1897,"text":1898},"k286",[],"Travel costs (flights, hotels)",[],{"_key":1901,"_type":170,"children":1902,"level":1213,"listItem":1214,"markDefs":1907,"style":190},"k290",[1903],{"_key":1904,"_type":174,"marks":1905,"text":1906},"k289",[],"Entertainment and social expenses (client dinners, golf sessions)",[],{"_key":1909,"_type":170,"children":1910,"level":1213,"listItem":1214,"markDefs":1915,"style":190},"k293",[1911],{"_key":1912,"_type":174,"marks":1913,"text":1914},"k292",[],"Meals during business trips",[],{"_key":1917,"_type":170,"children":1918,"level":1213,"listItem":1214,"markDefs":1923,"style":190},"k296",[1919],{"_key":1920,"_type":174,"marks":1921,"text":1922},"k295",[],"Event tickets for business purposes",[],{"_key":1925,"_type":170,"children":1926,"markDefs":1931,"style":190},"k299",[1927],{"_key":1928,"_type":174,"marks":1929,"text":1930},"k298",[],"Entertainment expenses typically include client meals, business entertainment events, and other hospitality costs that support business development.",[],{"_key":1933,"_type":170,"children":1934,"markDefs":1946,"style":190},"k306",[1935,1939,1942],{"_key":1936,"_type":174,"marks":1937,"text":1938},"k303",[],"Meanwhile, general ",{"_key":1940,"_type":174,"marks":1941,"text":1864},"k304",[1186],{"_key":1943,"_type":174,"marks":1944,"text":1945},"k305",[]," include office supplies, utilities, and rent. Both are tax-deductible if they're for legitimate business purposes — but you'll need to track them carefully.",[],{"_key":1948,"_type":170,"children":1949,"markDefs":1954,"style":190},"k309",[1950],{"_key":1951,"_type":174,"marks":1952,"text":1953},"k308",[],"Companies can use expense management software to track and manage business expense reports, set spending limits, and establish approval processes to control costs.",[],{"_key":1956,"_type":170,"children":1957,"markDefs":1962,"style":1189},"k312",[1958],{"_key":1959,"_type":174,"marks":1960,"text":1961},"k311",[1186],"How Poor T&E Management Costs You",[],{"_key":1964,"_type":170,"children":1965,"markDefs":1970,"style":190},"k315",[1966],{"_key":1967,"_type":174,"marks":1968,"text":1969},"k314",[],"Let's say you run a creative agency in Singapore and send three staff members to the UK for a content marketing workshop.",[],{"_key":1972,"_type":170,"children":1973,"markDefs":1978,"style":190},"k318",[1974],{"_key":1975,"_type":174,"marks":1976,"text":1977},"k317",[],"Here's what goes down:",[],{"_key":1980,"_type":170,"children":1981,"level":1213,"listItem":1214,"markDefs":1986,"style":190},"k321",[1982],{"_key":1983,"_type":174,"marks":1984,"text":1985},"k320",[],"They book flights individually—some at premium rates, others with extra luggage",[],{"_key":1988,"_type":170,"children":1989,"level":1213,"listItem":1214,"markDefs":1994,"style":190},"k324",[1990],{"_key":1991,"_type":174,"marks":1992,"text":1993},"k323",[],"One person books a 5-star hotel while another opts for a budget inn",[],{"_key":1996,"_type":170,"children":1997,"level":1213,"listItem":1214,"markDefs":2002,"style":190},"k327",[1998],{"_key":1999,"_type":174,"marks":2000,"text":2001},"k326",[],"Meal expenses are all over the place—S$15 local food vs S$90 rooftop cocktails",[],{"_key":2004,"_type":170,"children":2005,"level":1213,"listItem":1214,"markDefs":2010,"style":190},"k330",[2006],{"_key":2007,"_type":174,"marks":2008,"text":2009},"k329",[],"Only one person submits receipts on time",[],{"_key":2012,"_type":170,"children":2013,"level":1213,"listItem":1214,"markDefs":2018,"style":190},"k333",[2014],{"_key":2015,"_type":174,"marks":2016,"text":2017},"k332",[],"Your finance team spends three days reconciling these expenses manually.",[],{"_key":2020,"_type":170,"children":2021,"level":1213,"listItem":1214,"markDefs":2026,"style":190},"k336",[2022],{"_key":2023,"_type":174,"marks":2024,"text":2025},"k335",[],"One employee's claim is delayed, leading to frustration.",[],{"_key":2028,"_type":170,"children":2029,"markDefs":2034,"style":190},"k339",[2030],{"_key":2031,"_type":174,"marks":2032,"text":2033},"k338",[],"By the end of the week, you have overspent, your team is stressed, and your finance department is swamped.",[],{"_key":2036,"_type":170,"children":2037,"markDefs":2042,"style":1189},"k342",[2038],{"_key":2039,"_type":174,"marks":2040,"text":2041},"k341",[1186],"T&E (Travel and Expense) Challenges",[],{"_key":2044,"_type":170,"children":2045,"level":1213,"listItem":1214,"markDefs":2054,"style":190},"k347",[2046,2050],{"_key":2047,"_type":174,"marks":2048,"text":2049},"k345",[1186],"Is the reimbursement process taking forever?",{"_key":2051,"_type":174,"marks":2052,"text":2053},"k346",[]," That's bad for operations and affects employee morale. Nobody likes waiting weeks to get their money back.",[],{"_key":2056,"_type":170,"children":2057,"level":1213,"listItem":1214,"markDefs":2066,"style":190},"k352",[2058,2062],{"_key":2059,"_type":174,"marks":2060,"text":2061},"k350",[1186],"Expense policies a bit… fuzzy?",{"_key":2063,"_type":174,"marks":2064,"text":2065},"k351",[]," When your team isn't clear on what's claimable, everyone ends up guessing, which opens the door to misuse.",[],{"_key":2068,"_type":170,"children":2069,"level":1213,"listItem":1214,"markDefs":2078,"style":190},"k357",[2070,2074],{"_key":2071,"_type":174,"marks":2072,"text":2073},"k355",[1186],"Missing receipts?",{"_key":2075,"_type":174,"marks":2076,"text":2077},"k356",[]," It happens all the time. But it makes tracking and approving expenses a real pain.",[],{"_key":2080,"_type":170,"children":2081,"level":1213,"listItem":1214,"markDefs":2090,"style":190},"k362",[2082,2086],{"_key":2083,"_type":174,"marks":2084,"text":2085},"k360",[1186],"Out-of-policy spending?",{"_key":2087,"_type":174,"marks":2088,"text":2089},"k361",[]," On average, around 20% of T&E claims fall into this category. That's money slipping through the cracks.",[],{"_key":2092,"_type":170,"children":2093,"level":1213,"listItem":1214,"markDefs":2102,"style":190},"k367",[2094,2098],{"_key":2095,"_type":174,"marks":2096,"text":2097},"k365",[1186],"Still doing it all manually?",{"_key":2099,"_type":174,"marks":2100,"text":2101},"k366",[]," Sorting spreadsheets and receipts by hand is slow, error-prone, and not the best use of anyone's time.",[],{"_key":2104,"_type":170,"children":2105,"markDefs":2118,"style":190},"k374",[2106,2110,2114],{"_key":2107,"_type":174,"marks":2108,"text":2109},"k371",[],"Now imagine the same trip with an automated ",{"_key":2111,"_type":174,"marks":2112,"text":2113},"k372",[1186],"travel and expense management",{"_key":2115,"_type":174,"marks":2116,"text":2117},"k373",[]," system",[],{"_key":2120,"_type":170,"children":2121,"level":1213,"listItem":1214,"markDefs":2126,"style":190},"k377",[2122],{"_key":2123,"_type":174,"marks":2124,"text":2125},"k376",[],"Pre-approved budgets are set for each employee.",[],{"_key":2128,"_type":170,"children":2129,"level":1213,"listItem":1214,"markDefs":2134,"style":190},"k380",[2130],{"_key":2131,"_type":174,"marks":2132,"text":2133},"k379",[],"Travel bookings are done through a unified platform.",[],{"_key":2136,"_type":170,"children":2137,"level":1213,"listItem":1214,"markDefs":2142,"style":190},"k383",[2138],{"_key":2139,"_type":174,"marks":2140,"text":2141},"k382",[],"Receipts are captured on mobile apps.",[],{"_key":2144,"_type":170,"children":2145,"level":1213,"listItem":1214,"markDefs":2150,"style":190},"k386",[2146],{"_key":2147,"_type":174,"marks":2148,"text":2149},"k385",[],"Approvals happen automatically.",[],{"_key":2152,"_type":170,"children":2153,"level":1213,"listItem":1214,"markDefs":2158,"style":190},"k389",[2154],{"_key":2155,"_type":174,"marks":2156,"text":2157},"k388",[],"Everyone is reimbursed by the next payroll cycle.",[],{"_key":2160,"_type":170,"children":2161,"markDefs":2166,"style":190},"k392",[2162],{"_key":2163,"_type":174,"marks":2164,"text":2165},"k391",[],"That’s the power of T&E done right.",[],{"_key":2168,"_type":170,"children":2169,"markDefs":2174,"style":1189},"k395",[2170],{"_key":2171,"_type":174,"marks":2172,"text":2173},"k394",[1186],"Benefits of Effective T&E Management",[],{"_key":2176,"_type":170,"children":2177,"markDefs":2182,"style":190},"k398",[2178],{"_key":2179,"_type":174,"marks":2180,"text":2181},"k397",[],"An Effective travel and expense management process offers several benefits for businesses:",[],{"_key":2184,"_type":170,"children":2185,"markDefs":2190,"style":1400},"k401",[2186],{"_key":2187,"_type":174,"marks":2188,"text":2189},"k400",[1186],"Cost Control:",[],{"_key":2192,"_type":170,"children":2193,"markDefs":2198,"style":190},"k404",[2194],{"_key":2195,"_type":174,"marks":2196,"text":2197},"k403",[],"By setting clear policies and using automated systems, companies can prevent overspending and ensure funds are used appropriately.",[],{"_key":2200,"_type":170,"children":2201,"markDefs":2206,"style":1400},"k407",[2202],{"_key":2203,"_type":174,"marks":2204,"text":2205},"k406",[1186],"Reduced Errors:",[],{"_key":2208,"_type":170,"children":2209,"markDefs":2222,"style":190},"k414",[2210,2214,2218],{"_key":2211,"_type":174,"marks":2212,"text":2213},"k411",[],"Automation reduces the likelihood of errors in ",{"_key":2215,"_type":174,"marks":2216,"text":2217},"k412",[1186],"expense reporting",{"_key":2219,"_type":174,"marks":2220,"text":2221},"k413",[],", ensuring accurate records and compliance with policies.",[],{"_key":2224,"_type":170,"children":2225,"markDefs":2230,"style":1400},"k417",[2226],{"_key":2227,"_type":174,"marks":2228,"text":2229},"k416",[1186],"Improved Financial Management:",[],{"_key":2232,"_type":170,"children":2233,"markDefs":2238,"style":190},"k420",[2234],{"_key":2235,"_type":174,"marks":2236,"text":2237},"k419",[],"Real-time tracking and reporting provide better visibility into expenses, aiding in budgeting and financial planning.",[],{"_key":2240,"_type":170,"children":2241,"markDefs":2246,"style":1400},"k423",[2242],{"_key":2243,"_type":174,"marks":2244,"text":2245},"k422",[1186],"Enhanced Employee Satisfaction:",[],{"_key":2248,"_type":170,"children":2249,"markDefs":2254,"style":190},"k426",[2250],{"_key":2251,"_type":174,"marks":2252,"text":2253},"k425",[],"Streamlined processes and timely reimbursements improve the employee experience, leading to higher satisfaction and productivity.",[],{"_key":2256,"_type":170,"children":2257,"markDefs":2262,"style":1400},"k429",[2258],{"_key":2259,"_type":174,"marks":2260,"text":2261},"k428",[1186],"Compliance:",[],{"_key":2264,"_type":170,"children":2265,"markDefs":2270,"style":190},"k432",[2266],{"_key":2267,"_type":174,"marks":2268,"text":2269},"k431",[],"Automated systems help enforce policies and ensure compliance with tax regulations and internal controls.",[],{"_key":2272,"_type":170,"children":2273,"markDefs":2286,"style":190},"k439",[2274,2278,2282],{"_key":2275,"_type":174,"marks":2276,"text":2277},"k436",[],"An ",{"_key":2279,"_type":174,"marks":2280,"text":2281},"k437",[1186],"expense management process ",{"_key":2283,"_type":174,"marks":2284,"text":2285},"k438",[],"or a system can help companies achieve these benefits, leading to more efficient operations and better financial outcomes.",[],{"_key":2288,"_type":154,"height":1562,"position":1560,"url":2289,"width":1562},"k440","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002Fadc4e542f61d9c0b8bb7913f5a40396e\u002Fa-comprehensive-guide-to-travel-and-expenses_body_a-comprehensive-guide-to-travel-and_3.gif",{"_key":2291,"_type":170,"children":2292,"markDefs":2297,"style":1189},"k443",[2293],{"_key":2294,"_type":174,"marks":2295,"text":2296},"k442",[1186],"How Aspire Helps You Simplify T&E",[],{"_key":2299,"_type":170,"children":2300,"markDefs":2321,"style":190},"k454",[2301,2305,2309,2313,2317],{"_key":2302,"_type":174,"marks":2303,"text":2304},"k449",[],"Managing ",{"_key":2306,"_type":174,"marks":2307,"text":2308},"k450",[1186],"T&E expenses",{"_key":2310,"_type":174,"marks":2311,"text":2312},"k451",[]," can be complex, but Aspire offers solutions tailored to the needs of small and mid-sized businesses in Singapore. Aspire's ",{"_key":2314,"_type":174,"marks":2315,"text":2316},"k452",[1186],"expense management platform",{"_key":2318,"_type":174,"marks":2319,"text":2320},"k453",[]," provides:",[],{"_key":2323,"_type":170,"children":2324,"level":1213,"listItem":1214,"markDefs":2341,"style":190},"k464",[2325,2329,2333,2338],{"_key":2326,"_type":174,"marks":2327,"text":2328},"k460",[1186],"Automated Expense Tracking",{"_key":2330,"_type":174,"marks":2331,"text":2332},"k461",[],": Simplify the process of recording and categorising",{"_key":2334,"_type":174,"marks":2335,"text":2337},"k462",[2336],"k457"," expenses with automated tools",{"_key":2339,"_type":174,"marks":2340,"text":185},"k463",[],[2342],{"_key":2336,"_type":188,"externalUrl":2343,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fexpense-management",{"_key":2345,"_type":170,"children":2346,"level":1213,"listItem":1214,"markDefs":2355,"style":190},"k469",[2347,2351],{"_key":2348,"_type":174,"marks":2349,"text":2350},"k467",[1186],"Real-Time Reporting",{"_key":2352,"_type":174,"marks":2353,"text":2354},"k468",[],": Gain insights into spending patterns and make informed financial decisions.",[],{"_key":2357,"_type":170,"children":2358,"level":1213,"listItem":1214,"markDefs":2375,"style":190},"k479",[2359,2363,2366,2371],{"_key":2360,"_type":174,"marks":2361,"text":2362},"k475",[1186],"Policy Enforcement",{"_key":2364,"_type":174,"marks":2365,"text":1890},"k476",[],{"_key":2367,"_type":174,"marks":2368,"text":2370},"k477",[2369],"k472"," Set spending limits",{"_key":2372,"_type":174,"marks":2373,"text":2374},"k478",[]," and approval workflows to ensure compliance with company policies.",[2376],{"_key":2369,"_type":188,"externalUrl":2377,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fspend-limits",{"_key":2379,"_type":170,"children":2380,"level":1213,"listItem":1214,"markDefs":2397,"style":190},"k489",[2381,2385,2388,2393],{"_key":2382,"_type":174,"marks":2383,"text":2384},"k485",[1186],"Integration with Accounting Systems",{"_key":2386,"_type":174,"marks":2387,"text":1890},"k486",[],{"_key":2389,"_type":174,"marks":2390,"text":2392},"k487",[2391],"k482"," Seamlessly integrate",{"_key":2394,"_type":174,"marks":2395,"text":2396},"k488",[]," with your existing accounting software for streamlined financial management.",[2398],{"_key":2391,"_type":188,"externalUrl":2399,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fintegrations",{"_key":2401,"_type":170,"children":2402,"level":1213,"listItem":1214,"markDefs":2419,"style":190},"k499",[2403,2407,2410,2415],{"_key":2404,"_type":174,"marks":2405,"text":2406},"k495",[1186],"Multi-Currency Support",{"_key":2408,"_type":174,"marks":2409,"text":1890},"k496",[],{"_key":2411,"_type":174,"marks":2412,"text":2414},"k497",[2413],"k492"," Manage expenses in various currencies",{"_key":2416,"_type":174,"marks":2417,"text":2418},"k498",[],", which is crucial for businesses operating in multiple markets.",[2420],{"_key":2413,"_type":188,"externalUrl":2421,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fglobal-payments",{"_key":2423,"_type":170,"children":2424,"markDefs":2437,"style":190},"k506",[2425,2429,2433],{"_key":2426,"_type":174,"marks":2427,"text":2428},"k503",[],"Leveraging Aspire's platform can enhance your ",{"_key":2430,"_type":174,"marks":2431,"text":2432},"k504",[1186],"T&E management",{"_key":2434,"_type":174,"marks":2435,"text":2436},"k505",[],", reduce administrative burdens, and allow you to focus on growing your business.",[],{"_key":2439,"_type":170,"children":2440,"markDefs":2445,"style":190},"k509",[2441],{"_key":2442,"_type":174,"marks":2443,"text":2444},"k508",[],"So, automate your T&E with Aspire and make every dollar count.",[],{"slug":314,"title":315},{"_type":154,"alternativeText":2448,"height":1055,"url":2449,"width":1057},"Understanding T&E Meaning: A Comprehensive Guide to Travel & Expenses","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F79240be3ce2f552d450506fee6a42579\u002Fa-comprehensive-guide-to-travel-and-expenses_cover.png",[2451],{"_key":2452,"_type":170,"children":2453,"markDefs":2457,"style":190},"k0",[2454],{"_key":1184,"_type":174,"marks":2455,"text":2456},[],"Explore the meaning of T&E in travel and expenses. Gain insights on budgeting, tracking costs, and making informed financial decisions. Read more now!",[],[2459,2465,2473,2479,2492,2498,2504,2510,2516,2529,2536],{"_key":1181,"_type":170,"children":2460,"markDefs":2464,"style":190},[2461],{"_key":1184,"_type":174,"marks":2462,"text":2463},[],"Running a business in Singapore is already hard enough. You've got customers to care for, staff to manage, and many other things fighting for your attention. Therefore, the last thing you need is for money to disappear quietly.",[],{"_key":2466,"_type":170,"children":2467,"markDefs":2472,"style":190},"k5",[2468],{"_key":2469,"_type":174,"marks":2470,"text":2471},"k4",[],"At first, it might not seem like a big deal. A flight here, a cab ride there, a hotel stay or a team lunch. But all these small costs can quickly add up. And if you're not keeping track, you could be spending more than you realise.",[],{"_key":1202,"_type":170,"children":2474,"markDefs":2478,"style":190},[2475],{"_key":1198,"_type":174,"marks":2476,"text":2477},[],"So what can you do?",[],{"_key":1217,"_type":170,"children":2480,"markDefs":2491,"style":190},[2481,2484,2488],{"_key":1207,"_type":174,"marks":2482,"text":2483},[],"No, you don’t need to ban all travel. The key is to ",{"_key":2485,"_type":174,"marks":2486,"text":2487},"k13",[1186],"get smarter",{"_key":1220,"_type":174,"marks":2489,"text":2490},[]," about tracking, approving, and managing expenses. In this article, we’ll explore:",[],{"_key":1225,"_type":170,"children":2493,"level":1213,"listItem":1214,"markDefs":2497,"style":190},[2494],{"_key":1228,"_type":174,"marks":2495,"text":2496},[],"What exactly counts as T&E?",[],{"_key":1233,"_type":170,"children":2499,"level":1213,"listItem":1214,"markDefs":2503,"style":190},[2500],{"_key":1236,"_type":174,"marks":2501,"text":2502},[],"Why your team’s last UK trip is probably giving your finance team nightmares",[],{"_key":1241,"_type":170,"children":2505,"level":1213,"listItem":1214,"markDefs":2509,"style":190},[2506],{"_key":1244,"_type":174,"marks":2507,"text":2508},[],"Common expense traps (like the classic “oops, lost the receipt”)",[],{"_key":1249,"_type":170,"children":2511,"level":1213,"listItem":1214,"markDefs":2515,"style":190},[2512],{"_key":1252,"_type":174,"marks":2513,"text":2514},[],"How to simplify everything—from approvals to reimbursements",[],{"_key":2517,"_type":170,"children":2518,"level":1213,"listItem":1214,"markDefs":2528,"style":190},"k34",[2519,2523,2525],{"_key":2520,"_type":174,"marks":2521,"text":2522},"k31",[],"And how a tool like ",{"_key":1268,"_type":174,"marks":2524,"text":282},[1186],{"_key":1265,"_type":174,"marks":2526,"text":2527},[]," can automate all the boring parts",[],{"_key":2530,"_type":170,"children":2531,"markDefs":2535,"style":190},"k37",[2532],{"_key":1273,"_type":174,"marks":2533,"text":2534},[],"Whether you're sending your team to a meeting in Kuala Lumpur, booking flights for a trade show in Bangkok, or just paying for daily lunches and transport, this guide will help you stay in control of your business spending.",[],{"_key":2537,"_type":170,"children":2538,"markDefs":2542,"style":190},"k40",[2539],{"_key":1281,"_type":174,"marks":2540,"text":2541},[],"Let’s get into it.",[],"2025-07-03T00:00:00.000Z",{"_type":149,"metaDescription":2456,"metaTitle":2448,"socialShareImageUrl":2545},{"_type":154,"alternativeText":2448,"height":1055,"url":2449,"width":1057},"a-comprehensive-guide-to-travel-and-expenses",1790931436682]