[{"data":1,"prerenderedAt":2977},["ShallowReactive",2],{"cms-ui-strings":3,"cms-site-settings":134,"cms-navigation":284,"cms-blog-post-template":1064,"cms-blog-post-latest":1124,"sanity-MPEvU4jpFi8AwgIinoKQP4KOzoS3-aIYqHu9IJSd5XM":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":141,"author":1169,"body":1176,"category":2863,"coverImage":2864,"excerpt":2867,"faq":246,"intro":2904,"isFaqShown":152,"isSummaryShown":141,"isVideoShown":152,"publishedAt":2911,"reviewer":246,"seo":2912,"slug":2916,"sources":2917,"title":2865,"video":246},"blogPost-SG-69bd6f54665c9ff9ff9f96a9","2026-09-24T08:40:57Z",[1168],{"canonicalUrl":246,"isNoIndex":246,"language":246,"market":84,"pathPrefix":246},{"avatar":1170,"bio":1173,"doesServePage":141,"linkedinUrl":246,"name":1171,"role":1174,"slug":1175,"twitterUrl":246},{"_type":154,"alternativeText":1171,"height":1074,"url":1172,"width":1074},"Content Team","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F86ff03aff2924bca230240f846d9cf9d\u002F64bf33dd57b2eb45b3869b97_Circle.png","Content team at Aspire is a society of seasoned writers & experts specialising in finance, technology and SaaS space. With 50+ years of collective experience, they help make business finance more profitable for readers. They write about finance tools, finance insights, industry trends, tactical guides to grow your business & also all things Aspire.","Aspire editorial","content-team",[1177,1187,1199,1207,1215,1224,1232,1240,1248,1256,1264,1272,1280,1288,1296,1548,1556,1564,1572,1580,1588,1596,1604,1612,1620,1628,1636,1644,1652,1660,1668,1676,1684,1692,1700,1708,1716,1724,1732,1740,1748,1756,1764,1772,1780,1788,1796,1804,1812,1820,1829,1837,1845,1853,1861,1869,1877,1885,1893,1901,1909,1917,1925,1933,1941,1949,1957,1965,1973,1981,1989,1997,2005,2017,2029,2037,2077,2648,2656,2668,2680,2692,2700,2772,2779,2791,2799,2807,2815,2823,2831,2839,2847,2855],{"_key":1178,"_type":170,"children":1179,"markDefs":1185,"style":1186},"k3",[1180],{"_key":1181,"_type":174,"marks":1182,"text":1184},"k2",[1183],"strong","Rating",[],"h2",{"_key":1188,"_type":170,"children":1189,"markDefs":1198,"style":190},"k9",[1190,1194],{"_key":1191,"_type":174,"marks":1192,"text":1193},"k7",[1183],"Overall rating: ",{"_key":1195,"_type":174,"marks":1196,"text":1197},"k8",[],"4.2 out of 5",[],{"_key":1200,"_type":170,"children":1201,"markDefs":1206,"style":1186},"k13",[1202],{"_key":1203,"_type":174,"marks":1204,"text":1205},"k12",[1183],"Methodology",[],{"_key":1208,"_type":170,"children":1209,"markDefs":1214,"style":190},"k17",[1210],{"_key":1211,"_type":174,"marks":1212,"text":1213},"k16",[],"Our evaluation of the Nium business account is based on a clear and transparent rating framework, designed to provide an objective overview of its overall quality and performance.",[],{"_key":1216,"_type":170,"children":1217,"markDefs":1222,"style":1223},"k21",[1218],{"_key":1219,"_type":174,"marks":1220,"text":1221},"k20",[1183],"Arithmetic mean approach",[],"h3",{"_key":1225,"_type":170,"children":1226,"markDefs":1231,"style":190},"k25",[1227],{"_key":1228,"_type":174,"marks":1229,"text":1230},"k24",[],"The final score is derived by calculating the arithmetic mean, which involves adding up individual category scores and dividing the result by the total number of categories.",[],{"_key":1233,"_type":170,"children":1234,"markDefs":1239,"style":1223},"k29",[1235],{"_key":1236,"_type":174,"marks":1237,"text":1238},"k28",[1183],"Equal weighting",[],{"_key":1241,"_type":170,"children":1242,"markDefs":1247,"style":190},"k33",[1243],{"_key":1244,"_type":174,"marks":1245,"text":1246},"k32",[],"Each category – Features, Pricing and FX, Global payments, Ease of onboarding, and Support and ecosystem – is assigned equal importance, ensuring a balanced and unbiased score.",[],{"_key":1249,"_type":170,"children":1250,"markDefs":1255,"style":1223},"k37",[1251],{"_key":1252,"_type":174,"marks":1253,"text":1254},"k36",[1183],"Data sources",[],{"_key":1257,"_type":170,"children":1258,"markDefs":1263,"style":190},"k41",[1259],{"_key":1260,"_type":174,"marks":1261,"text":1262},"k40",[],"Our ratings are based on a combination of official documentation, publicly available pricing and feature details, third-party reviews, and verified user feedback.",[],{"_key":1265,"_type":170,"children":1266,"markDefs":1271,"style":1223},"k45",[1267],{"_key":1268,"_type":174,"marks":1269,"text":1270},"k44",[1183],"Interpretation caveat",[],{"_key":1273,"_type":170,"children":1274,"markDefs":1279,"style":190},"k49",[1275],{"_key":1276,"_type":174,"marks":1277,"text":1278},"k48",[],"While this method provides a fair and objective benchmark, it does not reflect individual business priorities.",[],{"_key":1281,"_type":170,"children":1282,"markDefs":1287,"style":1223},"k53",[1283],{"_key":1284,"_type":174,"marks":1285,"text":1286},"k52",[1183],"Intended use",[],{"_key":1289,"_type":170,"children":1290,"markDefs":1295,"style":190},"k57",[1291],{"_key":1292,"_type":174,"marks":1293,"text":1294},"k56",[],"The final score is designed as a general performance indicator, useful for comparisons and decision-making, but should be considered alongside your specific business needs and priorities.",[],{"_key":1297,"_type":1298,"columnHeaders":1299,"hasColumnTitles":141,"hasRowTitles":152,"rows":1317},"k58","richTableBlock",[1300,1305,1309,1313],{"_key":1301,"_type":1302,"cellIndex":1303,"title":1304},"k59","columnHeader",0,"Pillar",{"_key":1306,"_type":1302,"cellIndex":1307,"title":1308},"k60",1,"Weightage",{"_key":1310,"_type":1302,"cellIndex":1311,"title":1312},"k61",2,"Score",{"_key":1314,"_type":1302,"cellIndex":1315,"title":1316},"k62",3,"Rationale",[1318,1366,1412,1457,1502],{"_key":1319,"_type":1320,"cells":1321},"k63","row",[1322,1333,1344,1355],{"_key":1323,"_type":1324,"content":1325},"k64","richTableCell",[1326],{"_key":1327,"_type":170,"children":1328,"markDefs":1332,"style":190},"k130",[1329],{"_key":1330,"_type":174,"marks":1331,"text":362},"k129",[],[],{"_key":1334,"_type":1324,"content":1335},"k67",[1336],{"_key":1337,"_type":170,"children":1338,"markDefs":1343,"style":190},"k133",[1339],{"_key":1340,"_type":174,"marks":1341,"text":1342},"k132",[],"20%",[],{"_key":1345,"_type":1324,"content":1346},"k70",[1347],{"_key":1348,"_type":170,"children":1349,"markDefs":1354,"style":190},"k136",[1350],{"_key":1351,"_type":174,"marks":1352,"text":1353},"k135",[],"4.5",[],{"_key":1356,"_type":1324,"content":1357},"k73",[1358],{"_key":1359,"_type":170,"children":1360,"markDefs":1365,"style":190},"k139",[1361],{"_key":1362,"_type":174,"marks":1363,"text":1364},"k138",[],"Multi-currency account with the ability to receive, hold, convert, and pay in multiple currencies. Extensive payout and pay-in capabilities with real-time payment processing, corporate cards, and competitive real-time FX rates with rate locking facility",[],{"_key":1367,"_type":1320,"cells":1368},"k76",[1369,1380,1390,1401],{"_key":1370,"_type":1324,"content":1371},"k77",[1372],{"_key":1373,"_type":170,"children":1374,"markDefs":1379,"style":190},"k142",[1375],{"_key":1376,"_type":174,"marks":1377,"text":1378},"k141",[],"Pricing transparency & FX",[],{"_key":1381,"_type":1324,"content":1382},"k80",[1383],{"_key":1384,"_type":170,"children":1385,"markDefs":1389,"style":190},"k145",[1386],{"_key":1387,"_type":174,"marks":1388,"text":1342},"k144",[],[],{"_key":1391,"_type":1324,"content":1392},"k83",[1393],{"_key":1394,"_type":170,"children":1395,"markDefs":1400,"style":190},"k148",[1396],{"_key":1397,"_type":174,"marks":1398,"text":1399},"k147",[],"3.5",[],{"_key":1402,"_type":1324,"content":1403},"k86",[1404],{"_key":1405,"_type":170,"children":1406,"markDefs":1411,"style":190},"k151",[1407],{"_key":1408,"_type":174,"marks":1409,"text":1410},"k150",[],"Exact details of transaction fees, account fees, and FX rates are not publicly available",[],{"_key":1413,"_type":1320,"cells":1414},"k89",[1415,1426,1436,1446],{"_key":1416,"_type":1324,"content":1417},"k90",[1418],{"_key":1419,"_type":170,"children":1420,"markDefs":1425,"style":190},"k154",[1421],{"_key":1422,"_type":174,"marks":1423,"text":1424},"k153",[],"Global payments",[],{"_key":1427,"_type":1324,"content":1428},"k93",[1429],{"_key":1430,"_type":170,"children":1431,"markDefs":1435,"style":190},"k157",[1432],{"_key":1433,"_type":174,"marks":1434,"text":1342},"k156",[],[],{"_key":1437,"_type":1324,"content":1438},"k96",[1439],{"_key":1440,"_type":170,"children":1441,"markDefs":1445,"style":190},"k160",[1442],{"_key":1443,"_type":174,"marks":1444,"text":1353},"k159",[],[],{"_key":1447,"_type":1324,"content":1448},"k99",[1449],{"_key":1450,"_type":170,"children":1451,"markDefs":1456,"style":190},"k163",[1452],{"_key":1453,"_type":174,"marks":1454,"text":1455},"k162",[],"Facilitates outgoing payments to 190+ countries, incoming payments in 35 countries, and corporate cards in 30+ countries. Plus, 80% of transactions are processed in real time",[],{"_key":1458,"_type":1320,"cells":1459},"k102",[1460,1471,1481,1491],{"_key":1461,"_type":1324,"content":1462},"k103",[1463],{"_key":1464,"_type":170,"children":1465,"markDefs":1470,"style":190},"k166",[1466],{"_key":1467,"_type":174,"marks":1468,"text":1469},"k165",[],"Ease of onboarding",[],{"_key":1472,"_type":1324,"content":1473},"k106",[1474],{"_key":1475,"_type":170,"children":1476,"markDefs":1480,"style":190},"k169",[1477],{"_key":1478,"_type":174,"marks":1479,"text":1342},"k168",[],[],{"_key":1482,"_type":1324,"content":1483},"k109",[1484],{"_key":1485,"_type":170,"children":1486,"markDefs":1490,"style":190},"k172",[1487],{"_key":1488,"_type":174,"marks":1489,"text":1353},"k171",[],[],{"_key":1492,"_type":1324,"content":1493},"k112",[1494],{"_key":1495,"_type":170,"children":1496,"markDefs":1501,"style":190},"k175",[1497],{"_key":1498,"_type":174,"marks":1499,"text":1500},"k174",[],"100% online account opening. Approval subject to strict verification and compliance checks, including proof of ownership",[],{"_key":1503,"_type":1320,"cells":1504},"k115",[1505,1516,1526,1537],{"_key":1506,"_type":1324,"content":1507},"k116",[1508],{"_key":1509,"_type":170,"children":1510,"markDefs":1515,"style":190},"k178",[1511],{"_key":1512,"_type":174,"marks":1513,"text":1514},"k177",[],"Support & ecosystem",[],{"_key":1517,"_type":1324,"content":1518},"k119",[1519],{"_key":1520,"_type":170,"children":1521,"markDefs":1525,"style":190},"k181",[1522],{"_key":1523,"_type":174,"marks":1524,"text":1342},"k180",[],[],{"_key":1527,"_type":1324,"content":1528},"k122",[1529],{"_key":1530,"_type":170,"children":1531,"markDefs":1536,"style":190},"k184",[1532],{"_key":1533,"_type":174,"marks":1534,"text":1535},"k183",[],"4",[],{"_key":1538,"_type":1324,"content":1539},"k125",[1540],{"_key":1541,"_type":170,"children":1542,"markDefs":1547,"style":190},"k187",[1543],{"_key":1544,"_type":174,"marks":1545,"text":1546},"k186",[],"Can be contacted on phone or by email.Provides seamless API integrations",[],{"_key":1549,"_type":170,"children":1550,"markDefs":1555,"style":1186},"k191",[1551],{"_key":1552,"_type":174,"marks":1553,"text":1554},"k190",[1183],"Nium key features in 2026",[],{"_key":1557,"_type":170,"children":1558,"markDefs":1563,"style":190},"k195",[1559],{"_key":1560,"_type":174,"marks":1561,"text":1562},"k194",[],"Nium Pte Ltd is headquartered in Singapore, where it holds a 'Major Payment Institution' licence from the Monetary Authority of Singapore, allowing it to issue bank accounts and facilitate domestic and international money transfers.¹ Apart from Singapore, it is regulated in the US, EU, Australia, Canada, Hong Kong, Indonesia, Japan, Malaysia, and India.",[],{"_key":1565,"_type":170,"children":1566,"markDefs":1571,"style":190},"k199",[1567],{"_key":1568,"_type":174,"marks":1569,"text":1570},"k198",[],"After starting off as consumer remittance platform Instarem in 2014, Nium Pte Ltd rebranded itself two years later when it launched its B2B payments business. That has since become the main company while Instarem is a subsidiary, accounting for 10% of the overall business.² The enterprise payments platform, on the other hand, is now capable of processing payments to the tune of USD $50 billion annually.³",[],{"_key":1573,"_type":170,"children":1574,"markDefs":1579,"style":190},"k203",[1575],{"_key":1576,"_type":174,"marks":1577,"text":1578},"k202",[],"Nium offers multiple solutions for modern money movement, including business accounts, money transfers, corporate cards, expense management, and payroll tools among others.",[],{"_key":1581,"_type":170,"children":1582,"markDefs":1587,"style":190},"k207",[1583],{"_key":1584,"_type":174,"marks":1585,"text":1586},"k206",[],"Here, we highlight the key features of its business account, the focus of this Nium Singapore review:",[],{"_key":1589,"_type":170,"children":1590,"markDefs":1595,"style":1223},"k211",[1591],{"_key":1592,"_type":174,"marks":1593,"text":1594},"k210",[1183],"Multi-currency account",[],{"_key":1597,"_type":170,"children":1598,"markDefs":1603,"style":190},"k215",[1599],{"_key":1600,"_type":174,"marks":1601,"text":1602},"k214",[],"Nium's business account allows you to receive, hold, convert, and pay in multiple currencies including SGD, USD, EUR, and GBP. Each account can hold multiple embedded local and multi-currency accounts or wallets, making it possible to receive funds from multiple streams in a single account using local bank details.",[],{"_key":1605,"_type":170,"children":1606,"markDefs":1611,"style":1223},"k219",[1607],{"_key":1608,"_type":174,"marks":1609,"text":1610},"k218",[1183],"Extensive global payments",[],{"_key":1613,"_type":170,"children":1614,"markDefs":1619,"style":190},"k223",[1615],{"_key":1616,"_type":174,"marks":1617,"text":1618},"k222",[],"Nium helps its corporate clients send funds to 190+ countries and receive payments from 35 countries. It services customer payouts through a vast network of local and international rails including wire transfers, SWIFT, ACH, and real-time payment systems. There are no hidden costs involved and the recipient receives the payment amount in full at the time of delivery.",[],{"_key":1621,"_type":170,"children":1622,"markDefs":1627,"style":1223},"k227",[1623],{"_key":1624,"_type":174,"marks":1625,"text":1626},"k226",[1183],"Real-time payment processing",[],{"_key":1629,"_type":170,"children":1630,"markDefs":1635,"style":190},"k231",[1631],{"_key":1632,"_type":174,"marks":1633,"text":1634},"k230",[],"Through the use of 100+ real-time corridors, 80% of payments are processed in real time.",[],{"_key":1637,"_type":170,"children":1638,"markDefs":1643,"style":1223},"k235",[1639],{"_key":1640,"_type":174,"marks":1641,"text":1642},"k234",[1183],"Competitive FX rates",[],{"_key":1645,"_type":170,"children":1646,"markDefs":1651,"style":190},"k239",[1647],{"_key":1648,"_type":174,"marks":1649,"text":1650},"k238",[],"Nium promises competitive and transparent foreign exchange rates with no hidden mark-ups. It has direct links with institutional liquidity providers, making it possible for it to quote exchange rates in real time. All FX rates on Nium are continuously updated for accuracy and market alignment. The fintech supports direct currency conversions across 125+ currencies and allows customers to secure and hold FX rates in 60+ currencies for up to 24 hours. It even ensures a single locked FX rate can be used for bulk payments, helping its clients avoid currency fluctuations. Additionally, customers can use its live FX rate calculator to compare different vendors' FX rates and calculate mark-ups.⁴",[],{"_key":1653,"_type":170,"children":1654,"markDefs":1659,"style":1223},"k243",[1655],{"_key":1656,"_type":174,"marks":1657,"text":1658},"k242",[1183],"Card issuance",[],{"_key":1661,"_type":170,"children":1662,"markDefs":1667,"style":190},"k247",[1663],{"_key":1664,"_type":174,"marks":1665,"text":1666},"k246",[],"Nium boasts a robust corporate card issuance platform. Customers can use the Nium platform to launch their customised card programmes to cover business expenses and manage finances efficiently. Nium provides both physical and virtual cards in 20+ currencies across 30+ countries. They are powered by Visa and Mastercard, compatible with Google and Apple Pay, and come with fraud management, 3DS authentication, and 24\u002F7 support. Each card can be customised by setting specific spend limits and creating merchant categories. They can also be monitored in real time, ensuring tight financial control and visibility.",[],{"_key":1669,"_type":170,"children":1670,"markDefs":1675,"style":1186},"k251",[1671],{"_key":1672,"_type":174,"marks":1673,"text":1674},"k250",[1183],"Nium fees and exchange rates in 2026",[],{"_key":1677,"_type":170,"children":1678,"markDefs":1683,"style":190},"k255",[1679],{"_key":1680,"_type":174,"marks":1681,"text":1682},"k254",[],"This is a comprehensive list of the fees charged by Nium. However, the fintech doesn't disclose exact rates and customers may need to contact it directly for more clarity:",[],{"_key":1685,"_type":170,"children":1686,"markDefs":1691,"style":1223},"k259",[1687],{"_key":1688,"_type":174,"marks":1689,"text":1690},"k258",[1183],"Account fees",[],{"_key":1693,"_type":170,"children":1694,"markDefs":1699,"style":190},"k263",[1695],{"_key":1696,"_type":174,"marks":1697,"text":1698},"k262",[],"Nium's fee schedule lists a one-time account opening fee, monthly maintenance fees, and an inactivity fee (with little information on what might trigger this charge).",[],{"_key":1701,"_type":170,"children":1702,"markDefs":1707,"style":1223},"k267",[1703],{"_key":1704,"_type":174,"marks":1705,"text":1706},"k266",[1183],"Transfer fees",[],{"_key":1709,"_type":170,"children":1710,"markDefs":1715,"style":190},"k271",[1711],{"_key":1712,"_type":174,"marks":1713,"text":1714},"k270",[],"Sending and receiving funds will incur real-time transaction fees. Customers receiving funds might also be subject to a third-party fee. Also, there is a charge for every time you fund your Nium account or wallet. The amount might differ depending on the mode of funding (credit card or direct debit).",[],{"_key":1717,"_type":170,"children":1718,"markDefs":1723,"style":190},"k275",[1719],{"_key":1720,"_type":174,"marks":1721,"text":1722},"k274",[],"Similarly, making a payment from your Nium business account is likely to lead to a bank fee (for both local and SWIFT transfers). Nium's fee schedule also lists separate charges for remittances made by card, cash, wallet, or cheque. A return fee is incurred if a transaction is reversed or fails. And in the event of a transaction being cancelled on the customer's order or for not complying with the company's KYC regulations, the customer's wallet will be refunded after deducting a refund fee.",[],{"_key":1725,"_type":170,"children":1726,"markDefs":1731,"style":1223},"k279",[1727],{"_key":1728,"_type":174,"marks":1729,"text":1730},"k278",[1183],"Exchange rates",[],{"_key":1733,"_type":170,"children":1734,"markDefs":1739,"style":190},"k283",[1735],{"_key":1736,"_type":174,"marks":1737,"text":1738},"k282",[],"While Nium promises transparent and competitive exchange rates, its fee schedule includes numerous mark-up fees – such as an auto sweep mark-up fee for automatic wallet sweep transactions. There are also charges for locking an FX rate, with the amount varying by the lock-in period. A cancellation fee comes into play if an FX quote is cancelled before use.",[],{"_key":1741,"_type":170,"children":1742,"markDefs":1747,"style":1223},"k287",[1743],{"_key":1744,"_type":174,"marks":1745,"text":1746},"k286",[1183],"Card fees",[],{"_key":1749,"_type":170,"children":1750,"markDefs":1755,"style":190},"k291",[1751],{"_key":1752,"_type":174,"marks":1753,"text":1754},"k290",[],"Nium's corporate cards don't come for free. There is a one-time issuing fee for both physical and virtual cards, and a replacement fee for physical cards. There is also a charge for every add-on card.",[],{"_key":1757,"_type":170,"children":1758,"markDefs":1763,"style":190},"k295",[1759],{"_key":1760,"_type":174,"marks":1761,"text":1762},"k294",[],"Additionally, Nium charges for ATM withdrawals, e-commerce or online transactions, and point-of-sale transactions made with its cards. There are charges for ATM and non-ATM transactions that are declined as well.⁵",[],{"_key":1765,"_type":170,"children":1766,"markDefs":1771,"style":1186},"k299",[1767],{"_key":1768,"_type":174,"marks":1769,"text":1770},"k298",[1183],"How to open a Nium business account",[],{"_key":1773,"_type":170,"children":1774,"markDefs":1779,"style":190},"k303",[1775],{"_key":1776,"_type":174,"marks":1777,"text":1778},"k302",[],"Here's the essential information on opening a Nium business account:",[],{"_key":1781,"_type":170,"children":1782,"markDefs":1787,"style":1223},"k307",[1783],{"_key":1784,"_type":174,"marks":1785,"text":1786},"k306",[1183],"Eligibility",[],{"_key":1789,"_type":170,"children":1790,"markDefs":1795,"style":190},"k311",[1791],{"_key":1792,"_type":174,"marks":1793,"text":1794},"k310",[],"Both Singapore-registered companies and foreign businesses are eligible, with approval subject to verification and compliance checks.",[],{"_key":1797,"_type":170,"children":1798,"markDefs":1803,"style":1223},"k315",[1799],{"_key":1800,"_type":174,"marks":1801,"text":1802},"k314",[1183],"Documentation",[],{"_key":1805,"_type":170,"children":1806,"markDefs":1811,"style":190},"k319",[1807],{"_key":1808,"_type":174,"marks":1809,"text":1810},"k318",[],"All applicants must submit basic company information, including company name, registration number, country and date of incorporation, registered address, business activities and sectors, countries where they operate, website URL, names and details of stakeholders, and tax ID. Additionally, there are country-specific documents. For businesses registered in Singapore, these include passports, national ID cards, and Employment Pass to show proof of identity, utility bills, bank statements, or government-issued letter that work as proof of address, along with business ownership papers, and lists of directors and shareholders.⁶",[],{"_key":1813,"_type":170,"children":1814,"markDefs":1819,"style":1223},"k323",[1815],{"_key":1816,"_type":174,"marks":1817,"text":1818},"k322",[1183],"Nium business account opening – Step-by-step guide",[],{"_key":1821,"_type":170,"children":1822,"level":1307,"listItem":1827,"markDefs":1828,"style":190},"k327",[1823],{"_key":1824,"_type":174,"marks":1825,"text":1826},"k326",[],"Visit the Nium website to get started. A representative will get in touch with you to start the onboarding process","bullet",[],{"_key":1830,"_type":170,"children":1831,"level":1307,"listItem":1827,"markDefs":1836,"style":190},"k331",[1832],{"_key":1833,"_type":174,"marks":1834,"text":1835},"k330",[],"Next, submit your business registration and other details",[],{"_key":1838,"_type":170,"children":1839,"level":1307,"listItem":1827,"markDefs":1844,"style":190},"k335",[1840],{"_key":1841,"_type":174,"marks":1842,"text":1843},"k334",[],"Nium will verify your documents and if you meet its KYB requirements, your account is approved",[],{"_key":1846,"_type":170,"children":1847,"level":1307,"listItem":1827,"markDefs":1852,"style":190},"k339",[1848],{"_key":1849,"_type":174,"marks":1850,"text":1851},"k338",[],"The entire process usually takes 2 to 3 working days",[],{"_key":1854,"_type":170,"children":1855,"markDefs":1860,"style":1186},"k343",[1856],{"_key":1857,"_type":174,"marks":1858,"text":1859},"k342",[1183],"Who is Nium Singapore best suited for?",[],{"_key":1862,"_type":170,"children":1863,"markDefs":1868,"style":190},"k347",[1864],{"_key":1865,"_type":174,"marks":1866,"text":1867},"k346",[],"As a cross-border payments specialist, Nium is best suited for businesses with a large network of international suppliers and clients. It counts banks and payments institutions, e-commerce sellers, payroll providers, airlines, and online travel agencies (OTAs) among its target audience. Many of its primary features – such as account-to-account payments bypassing intermediaries, virtual card payments in multiple currencies, competitive FX rates, automated reconciliation of bookings, etc – are tailor-made for these sectors.",[],{"_key":1870,"_type":170,"children":1871,"markDefs":1876,"style":1223},"k351",[1872],{"_key":1873,"_type":174,"marks":1874,"text":1875},"k350",[1183],"Nium is not a good fit for:",[],{"_key":1878,"_type":170,"children":1879,"markDefs":1884,"style":190},"k355",[1880],{"_key":1881,"_type":174,"marks":1882,"text":1883},"k354",[],"Nium may not work for small businesses with low volumes of cross-border payments. It is also unsuitable for companies with complex and vague ownership structures , given that Nium demands clear ownership proof through specific documentation at the time of onboarding.",[],{"_key":1886,"_type":170,"children":1887,"markDefs":1892,"style":1186},"k359",[1888],{"_key":1889,"_type":174,"marks":1890,"text":1891},"k358",[1183],"Nium business account pros and cons",[],{"_key":1894,"_type":170,"children":1895,"markDefs":1900,"style":190},"k363",[1896],{"_key":1897,"_type":174,"marks":1898,"text":1899},"k362",[],"These are the benefits that come with a Nium business account:",[],{"_key":1902,"_type":170,"children":1903,"level":1307,"listItem":1827,"markDefs":1908,"style":190},"k367",[1904],{"_key":1905,"_type":174,"marks":1906,"text":1907},"k366",[],"Multi-currency accounts with extensive global coverage (190 countries, 70 currencies)",[],{"_key":1910,"_type":170,"children":1911,"level":1307,"listItem":1827,"markDefs":1916,"style":190},"k371",[1912],{"_key":1913,"_type":174,"marks":1914,"text":1915},"k370",[],"Specialises in high-volume B2B cross-border payments",[],{"_key":1918,"_type":170,"children":1919,"level":1307,"listItem":1827,"markDefs":1924,"style":190},"k375",[1920],{"_key":1921,"_type":174,"marks":1922,"text":1923},"k374",[],"Real-time fees with no hidden charges, mostly free of intermediary charges",[],{"_key":1926,"_type":170,"children":1927,"level":1307,"listItem":1827,"markDefs":1932,"style":190},"k379",[1928],{"_key":1929,"_type":174,"marks":1930,"text":1931},"k378",[],"Competitive real-time FX rates with rate-locking facility",[],{"_key":1934,"_type":170,"children":1935,"level":1307,"listItem":1827,"markDefs":1940,"style":190},"k383",[1936],{"_key":1937,"_type":174,"marks":1938,"text":1939},"k382",[],"Robust card issuance to boost cash flow and financial management",[],{"_key":1942,"_type":170,"children":1943,"level":1307,"listItem":1827,"markDefs":1948,"style":190},"k387",[1944],{"_key":1945,"_type":174,"marks":1946,"text":1947},"k386",[],"API integrations making it possible to onboard, manage your account, make currency conversions, and transfer funds from a single platform",[],{"_key":1950,"_type":170,"children":1951,"level":1307,"listItem":1827,"markDefs":1956,"style":190},"k391",[1952],{"_key":1953,"_type":174,"marks":1954,"text":1955},"k390",[],"Strong compliance and regulatory standards",[],{"_key":1958,"_type":170,"children":1959,"markDefs":1964,"style":190},"k395",[1960],{"_key":1961,"_type":174,"marks":1962,"text":1963},"k394",[],"However, this business account comes with a few limitations:",[],{"_key":1966,"_type":170,"children":1967,"level":1307,"listItem":1827,"markDefs":1972,"style":190},"k399",[1968],{"_key":1969,"_type":174,"marks":1970,"text":1971},"k398",[],"Lack of transparency with pricing details not publicly disclosed",[],{"_key":1974,"_type":170,"children":1975,"level":1307,"listItem":1827,"markDefs":1980,"style":190},"k403",[1976],{"_key":1977,"_type":174,"marks":1978,"text":1979},"k402",[],"Multiple fee categories compared to competitors",[],{"_key":1982,"_type":170,"children":1983,"level":1307,"listItem":1827,"markDefs":1988,"style":190},"k407",[1984],{"_key":1985,"_type":174,"marks":1986,"text":1987},"k406",[],"Fees might add up for certain types of transactions",[],{"_key":1990,"_type":170,"children":1991,"level":1307,"listItem":1827,"markDefs":1996,"style":190},"k411",[1992],{"_key":1993,"_type":174,"marks":1994,"text":1995},"k410",[],"Not suitable for small businesses with modest global transactions",[],{"_key":1998,"_type":170,"children":1999,"markDefs":2004,"style":1186},"k415",[2000],{"_key":2001,"_type":174,"marks":2002,"text":2003},"k414",[1183],"Ratings across platforms",[],{"_key":2006,"_type":170,"children":2007,"level":1307,"listItem":1827,"markDefs":2016,"style":190},"k421",[2008,2012],{"_key":2009,"_type":174,"marks":2010,"text":2011},"k419",[1183],"Trustpilot: ",{"_key":2013,"_type":174,"marks":2014,"text":2015},"k420",[],"2.6 out of 5 stars⁷",[],{"_key":2018,"_type":170,"children":2019,"level":1307,"listItem":1827,"markDefs":2028,"style":190},"k427",[2020,2024],{"_key":2021,"_type":174,"marks":2022,"text":2023},"k425",[1183],"Google Play:",{"_key":2025,"_type":174,"marks":2026,"text":2027},"k426",[]," 4.7 out of 5 stars⁸",[],{"_key":2030,"_type":170,"children":2031,"markDefs":2036,"style":1186},"k431",[2032],{"_key":2033,"_type":174,"marks":2034,"text":2035},"k430",[1183],"Nium vs Aspire: A comparison",[],{"_key":2038,"_type":170,"children":2039,"markDefs":2071,"style":190},"k450",[2040,2044,2049,2053,2058,2062,2067],{"_key":2041,"_type":174,"marks":2042,"text":2043},"k443",[],"Nium has partnerships with 1,000+ companies, including",{"_key":2045,"_type":174,"marks":2046,"text":2048},"k444",[2047],"k433"," Aspire",{"_key":2050,"_type":174,"marks":2051,"text":2052},"k445",[],".⁹ Under this collaboration, Aspire integrates Nium's enterprise-grade API solutions to streamline its",{"_key":2054,"_type":174,"marks":2055,"text":2057},"k446",[2056],"k436"," corporate card",{"_key":2059,"_type":174,"marks":2060,"text":2061},"k447",[]," issuance. Aspire's corporate cards are attached to its",{"_key":2063,"_type":174,"marks":2064,"text":2066},"k448",[2065],"k439"," business account",{"_key":2068,"_type":174,"marks":2069,"text":2070},"k449",[],", whose features are listed below in direct comparison with Nium's business account offerings:",[2072,2073,2075],{"_key":2047,"_type":188,"externalUrl":147,"linkType":145},{"_key":2056,"_type":188,"externalUrl":2074,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fcorporate-card",{"_key":2065,"_type":188,"externalUrl":2076,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fbusiness-account",{"_key":2078,"_type":1298,"columnHeaders":2079,"hasColumnTitles":141,"hasRowTitles":152,"rows":2087},"k451",[2080,2082,2084],{"_key":2081,"_type":1302,"cellIndex":1303,"title":362},"k452",{"_key":2083,"_type":1302,"cellIndex":1307,"title":282},"k453",{"_key":2085,"_type":1302,"cellIndex":1311,"title":2086},"k454","Nium",[2088,2122,2158,2194,2230,2265,2299,2333,2368,2404,2439,2474,2510,2546,2580,2614],{"_key":2089,"_type":1320,"cells":2090},"k455",[2091,2102,2112],{"_key":2092,"_type":1324,"content":2093},"k456",[2094],{"_key":2095,"_type":170,"children":2096,"markDefs":2101,"style":190},"k617",[2097],{"_key":2098,"_type":174,"marks":2099,"text":2100},"k616",[1183],"Business account",[],{"_key":2103,"_type":1324,"content":2104},"k459",[2105],{"_key":2106,"_type":170,"children":2107,"markDefs":2111,"style":190},"k620",[2108],{"_key":2109,"_type":174,"marks":2110,"text":1594},"k619",[],[],{"_key":2113,"_type":1324,"content":2114},"k462",[2115],{"_key":2116,"_type":170,"children":2117,"markDefs":2121,"style":190},"k623",[2118],{"_key":2119,"_type":174,"marks":2120,"text":1594},"k622",[],[],{"_key":2123,"_type":1320,"cells":2124},"k465",[2125,2136,2147],{"_key":2126,"_type":1324,"content":2127},"k466",[2128],{"_key":2129,"_type":170,"children":2130,"markDefs":2135,"style":190},"k626",[2131],{"_key":2132,"_type":174,"marks":2133,"text":2134},"k625",[1183],"Foreign currency support",[],{"_key":2137,"_type":1324,"content":2138},"k469",[2139],{"_key":2140,"_type":170,"children":2141,"markDefs":2146,"style":190},"k629",[2142],{"_key":2143,"_type":174,"marks":2144,"text":2145},"k628",[],"30+ currencies",[],{"_key":2148,"_type":1324,"content":2149},"k472",[2150],{"_key":2151,"_type":170,"children":2152,"markDefs":2157,"style":190},"k632",[2153],{"_key":2154,"_type":174,"marks":2155,"text":2156},"k631",[],"Multiple currencies, including SGD, USD, EUR, and GBP",[],{"_key":2159,"_type":1320,"cells":2160},"k475",[2161,2172,2183],{"_key":2162,"_type":1324,"content":2163},"k476",[2164],{"_key":2165,"_type":170,"children":2166,"markDefs":2171,"style":190},"k635",[2167],{"_key":2168,"_type":174,"marks":2169,"text":2170},"k634",[1183],"Global coverage",[],{"_key":2173,"_type":1324,"content":2174},"k479",[2175],{"_key":2176,"_type":170,"children":2177,"markDefs":2182,"style":190},"k638",[2178],{"_key":2179,"_type":174,"marks":2180,"text":2181},"k637",[],"130+ countries",[],{"_key":2184,"_type":1324,"content":2185},"k482",[2186],{"_key":2187,"_type":170,"children":2188,"markDefs":2193,"style":190},"k641",[2189],{"_key":2190,"_type":174,"marks":2191,"text":2192},"k640",[],"190+ countries",[],{"_key":2195,"_type":1320,"cells":2196},"k485",[2197,2208,2219],{"_key":2198,"_type":1324,"content":2199},"k486",[2200],{"_key":2201,"_type":170,"children":2202,"markDefs":2207,"style":190},"k644",[2203],{"_key":2204,"_type":174,"marks":2205,"text":2206},"k643",[1183],"FX rates",[],{"_key":2209,"_type":1324,"content":2210},"k489",[2211],{"_key":2212,"_type":170,"children":2213,"markDefs":2218,"style":190},"k647",[2214],{"_key":2215,"_type":174,"marks":2216,"text":2217},"k646",[],"From 0.22%",[],{"_key":2220,"_type":1324,"content":2221},"k492",[2222],{"_key":2223,"_type":170,"children":2224,"markDefs":2229,"style":190},"k650",[2225],{"_key":2226,"_type":174,"marks":2227,"text":2228},"k649",[],"Not disclosed",[],{"_key":2231,"_type":1320,"cells":2232},"k495",[2233,2243,2254],{"_key":2234,"_type":1324,"content":2235},"k496",[2236],{"_key":2237,"_type":170,"children":2238,"markDefs":2242,"style":190},"k653",[2239],{"_key":2240,"_type":174,"marks":2241,"text":1690},"k652",[1183],[],{"_key":2244,"_type":1324,"content":2245},"k499",[2246],{"_key":2247,"_type":170,"children":2248,"markDefs":2253,"style":190},"k656",[2249],{"_key":2250,"_type":174,"marks":2251,"text":2252},"k655",[],"None",[],{"_key":2255,"_type":1324,"content":2256},"k502",[2257],{"_key":2258,"_type":170,"children":2259,"markDefs":2264,"style":190},"k659",[2260],{"_key":2261,"_type":174,"marks":2262,"text":2263},"k658",[],"Yes, but amount not disclosed",[],{"_key":2266,"_type":1320,"cells":2267},"k505",[2268,2279,2289],{"_key":2269,"_type":1324,"content":2270},"k506",[2271],{"_key":2272,"_type":170,"children":2273,"markDefs":2278,"style":190},"k662",[2274],{"_key":2275,"_type":174,"marks":2276,"text":2277},"k661",[1183],"Account opening fee",[],{"_key":2280,"_type":1324,"content":2281},"k509",[2282],{"_key":2283,"_type":170,"children":2284,"markDefs":2288,"style":190},"k665",[2285],{"_key":2286,"_type":174,"marks":2287,"text":2252},"k664",[],[],{"_key":2290,"_type":1324,"content":2291},"k512",[2292],{"_key":2293,"_type":170,"children":2294,"markDefs":2298,"style":190},"k668",[2295],{"_key":2296,"_type":174,"marks":2297,"text":2263},"k667",[],[],{"_key":2300,"_type":1320,"cells":2301},"k515",[2302,2313,2323],{"_key":2303,"_type":1324,"content":2304},"k516",[2305],{"_key":2306,"_type":170,"children":2307,"markDefs":2312,"style":190},"k671",[2308],{"_key":2309,"_type":174,"marks":2310,"text":2311},"k670",[1183],"Inactivity fee",[],{"_key":2314,"_type":1324,"content":2315},"k519",[2316],{"_key":2317,"_type":170,"children":2318,"markDefs":2322,"style":190},"k674",[2319],{"_key":2320,"_type":174,"marks":2321,"text":2252},"k673",[],[],{"_key":2324,"_type":1324,"content":2325},"k522",[2326],{"_key":2327,"_type":170,"children":2328,"markDefs":2332,"style":190},"k677",[2329],{"_key":2330,"_type":174,"marks":2331,"text":2263},"k676",[],[],{"_key":2334,"_type":1320,"cells":2335},"k525",[2336,2347,2358],{"_key":2337,"_type":1324,"content":2338},"k526",[2339],{"_key":2340,"_type":170,"children":2341,"markDefs":2346,"style":190},"k680",[2342],{"_key":2343,"_type":174,"marks":2344,"text":2345},"k679",[1183],"Account opening",[],{"_key":2348,"_type":1324,"content":2349},"k529",[2350],{"_key":2351,"_type":170,"children":2352,"markDefs":2357,"style":190},"k683",[2353],{"_key":2354,"_type":174,"marks":2355,"text":2356},"k682",[],"100% online",[],{"_key":2359,"_type":1324,"content":2360},"k532",[2361],{"_key":2362,"_type":170,"children":2363,"markDefs":2367,"style":190},"k686",[2364],{"_key":2365,"_type":174,"marks":2366,"text":2356},"k685",[],[],{"_key":2369,"_type":1320,"cells":2370},"k535",[2371,2382,2393],{"_key":2372,"_type":1324,"content":2373},"k536",[2374],{"_key":2375,"_type":170,"children":2376,"markDefs":2381,"style":190},"k689",[2377],{"_key":2378,"_type":174,"marks":2379,"text":2380},"k688",[1183],"Time to open account",[],{"_key":2383,"_type":1324,"content":2384},"k539",[2385],{"_key":2386,"_type":170,"children":2387,"markDefs":2392,"style":190},"k692",[2388],{"_key":2389,"_type":174,"marks":2390,"text":2391},"k691",[],"1-2 days",[],{"_key":2394,"_type":1324,"content":2395},"k542",[2396],{"_key":2397,"_type":170,"children":2398,"markDefs":2403,"style":190},"k695",[2399],{"_key":2400,"_type":174,"marks":2401,"text":2402},"k694",[],"2-3 days",[],{"_key":2405,"_type":1320,"cells":2406},"k545",[2407,2417,2428],{"_key":2408,"_type":1324,"content":2409},"k546",[2410],{"_key":2411,"_type":170,"children":2412,"markDefs":2416,"style":190},"k698",[2413],{"_key":2414,"_type":174,"marks":2415,"text":46},"k697",[1183],[],{"_key":2418,"_type":1324,"content":2419},"k549",[2420],{"_key":2421,"_type":170,"children":2422,"markDefs":2427,"style":190},"k701",[2423],{"_key":2424,"_type":174,"marks":2425,"text":2426},"k700",[],"Unlimited virtual cards and physical cards",[],{"_key":2429,"_type":1324,"content":2430},"k552",[2431],{"_key":2432,"_type":170,"children":2433,"markDefs":2438,"style":190},"k704",[2434],{"_key":2435,"_type":174,"marks":2436,"text":2437},"k703",[],"Physical and virtual cards in 20+ currencies across 30+ countries",[],{"_key":2440,"_type":1320,"cells":2441},"k555",[2442,2452,2463],{"_key":2443,"_type":1324,"content":2444},"k556",[2445],{"_key":2446,"_type":170,"children":2447,"markDefs":2451,"style":190},"k707",[2448],{"_key":2449,"_type":174,"marks":2450,"text":1746},"k706",[1183],[],{"_key":2453,"_type":1324,"content":2454},"k559",[2455],{"_key":2456,"_type":170,"children":2457,"markDefs":2462,"style":190},"k710",[2458],{"_key":2459,"_type":174,"marks":2460,"text":2461},"k709",[],"No card activation and card transaction fees",[],{"_key":2464,"_type":1324,"content":2465},"k562",[2466],{"_key":2467,"_type":170,"children":2468,"markDefs":2473,"style":190},"k713",[2469],{"_key":2470,"_type":174,"marks":2471,"text":2472},"k712",[],"One-time card issuance fee for both virtual and physical cards. Plus, fees for ATM withdrawals, online and point-of-sale transactions, and declined transactions using cards",[],{"_key":2475,"_type":1320,"cells":2476},"k565",[2477,2488,2499],{"_key":2478,"_type":1324,"content":2479},"k566",[2480],{"_key":2481,"_type":170,"children":2482,"markDefs":2487,"style":190},"k716",[2483],{"_key":2484,"_type":174,"marks":2485,"text":2486},"k715",[1183],"Local transfers",[],{"_key":2489,"_type":1324,"content":2490},"k569",[2491],{"_key":2492,"_type":170,"children":2493,"markDefs":2498,"style":190},"k719",[2494],{"_key":2495,"_type":174,"marks":2496,"text":2497},"k718",[],"Free",[],{"_key":2500,"_type":1324,"content":2501},"k572",[2502],{"_key":2503,"_type":170,"children":2504,"markDefs":2509,"style":190},"k722",[2505],{"_key":2506,"_type":174,"marks":2507,"text":2508},"k721",[],"Transaction fees apply",[],{"_key":2511,"_type":1320,"cells":2512},"k575",[2513,2524,2535],{"_key":2514,"_type":1324,"content":2515},"k576",[2516],{"_key":2517,"_type":170,"children":2518,"markDefs":2523,"style":190},"k725",[2519],{"_key":2520,"_type":174,"marks":2521,"text":2522},"k724",[1183],"International transfers",[],{"_key":2525,"_type":1324,"content":2526},"k579",[2527],{"_key":2528,"_type":170,"children":2529,"markDefs":2534,"style":190},"k728",[2530],{"_key":2531,"_type":174,"marks":2532,"text":2533},"k727",[],"Transparent and competitive pricing",[],{"_key":2536,"_type":1324,"content":2537},"k582",[2538],{"_key":2539,"_type":170,"children":2540,"markDefs":2545,"style":190},"k731",[2541],{"_key":2542,"_type":174,"marks":2543,"text":2544},"k730",[],"Transaction fees apply with different rates for remittances made by card, cash, cheque, wallet, etc",[],{"_key":2547,"_type":1320,"cells":2548},"k585",[2549,2559,2570],{"_key":2550,"_type":1324,"content":2551},"k586",[2552],{"_key":2553,"_type":170,"children":2554,"markDefs":2558,"style":190},"k734",[2555],{"_key":2556,"_type":174,"marks":2557,"text":48},"k733",[1183],[],{"_key":2560,"_type":1324,"content":2561},"k589",[2562],{"_key":2563,"_type":170,"children":2564,"markDefs":2569,"style":190},"k737",[2565],{"_key":2566,"_type":174,"marks":2567,"text":2568},"k736",[],"Yes",[],{"_key":2571,"_type":1324,"content":2572},"k592",[2573],{"_key":2574,"_type":170,"children":2575,"markDefs":2579,"style":190},"k740",[2576],{"_key":2577,"_type":174,"marks":2578,"text":2568},"k739",[],[],{"_key":2581,"_type":1320,"cells":2582},"k595",[2583,2594,2604],{"_key":2584,"_type":1324,"content":2585},"k596",[2586],{"_key":2587,"_type":170,"children":2588,"markDefs":2593,"style":190},"k743",[2589],{"_key":2590,"_type":174,"marks":2591,"text":2592},"k742",[1183],"Accounting and API integrations",[],{"_key":2595,"_type":1324,"content":2596},"k599",[2597],{"_key":2598,"_type":170,"children":2599,"markDefs":2603,"style":190},"k746",[2600],{"_key":2601,"_type":174,"marks":2602,"text":2568},"k745",[],[],{"_key":2605,"_type":1324,"content":2606},"k602",[2607],{"_key":2608,"_type":170,"children":2609,"markDefs":2613,"style":190},"k749",[2610],{"_key":2611,"_type":174,"marks":2612,"text":2568},"k748",[],[],{"_key":2615,"_type":1320,"cells":2616},"k605",[2617,2628,2638],{"_key":2618,"_type":1324,"content":2619},"k606",[2620],{"_key":2621,"_type":170,"children":2622,"markDefs":2627,"style":190},"k752",[2623],{"_key":2624,"_type":174,"marks":2625,"text":2626},"k751",[1183],"Bulk and automated payments",[],{"_key":2629,"_type":1324,"content":2630},"k609",[2631],{"_key":2632,"_type":170,"children":2633,"markDefs":2637,"style":190},"k755",[2634],{"_key":2635,"_type":174,"marks":2636,"text":2568},"k754",[],[],{"_key":2639,"_type":1324,"content":2640},"k612",[2641],{"_key":2642,"_type":170,"children":2643,"markDefs":2647,"style":190},"k758",[2644],{"_key":2645,"_type":174,"marks":2646,"text":2568},"k757",[],[],{"_key":2649,"_type":170,"children":2650,"markDefs":2655,"style":1186},"k762",[2651],{"_key":2652,"_type":174,"marks":2653,"text":2654},"k761",[1183],"Other alternatives to Nium",[],{"_key":2657,"_type":170,"children":2658,"level":1307,"listItem":1827,"markDefs":2667,"style":190},"k768",[2659,2663],{"_key":2660,"_type":174,"marks":2661,"text":2662},"k766",[1183],"Payoneer: ",{"_key":2664,"_type":174,"marks":2665,"text":2666},"k767",[],"Its business account comes with local account details in 9 currencies and it supports global payments in 70 currencies across 190 countries. Payoneer also offers corporate cards, batch payments, and integrations with 2,000+ marketplaces for extensive cross-border coverage.",[],{"_key":2669,"_type":170,"children":2670,"level":1307,"listItem":1827,"markDefs":2679,"style":190},"k774",[2671,2675],{"_key":2672,"_type":174,"marks":2673,"text":2674},"k772",[1183],"Wise: ",{"_key":2676,"_type":174,"marks":2677,"text":2678},"k773",[],"The Wise business account comes in 40+ currencies and is accepted across 70+ countries. Local account details are available in 9 currencies. Wise charges no monthly fee. Its FX rates are highly competitive and pricing transparent. It also provides 24\u002F7 support as well as integrations with accounting software and marketplaces.",[],{"_key":2681,"_type":170,"children":2682,"level":1307,"listItem":1827,"markDefs":2691,"style":190},"k780",[2683,2687],{"_key":2684,"_type":174,"marks":2685,"text":2686},"k778",[1183],"Airwallex:",{"_key":2688,"_type":174,"marks":2689,"text":2690},"k779",[]," Like Nium, Airwallex offers embedded finance products, business accounts, corporate cards, and API integrations. Its business account supports 22 foreign currencies while it facilitates payments in 60+ currencies to 150 countries. Foreign exchange rates come with a 0.4% to 0.6% mark-up and no hidden costs. Also provides 24\u002F7 support and strong accounting and marketplace integrations.",[],{"_key":2693,"_type":170,"children":2694,"markDefs":2699,"style":1186},"k784",[2695],{"_key":2696,"_type":174,"marks":2697,"text":2698},"k783",[1183],"Conclusion",[],{"_key":2701,"_type":170,"children":2702,"markDefs":2759,"style":190},"k818",[2703,2707,2712,2716,2721,2725,2730,2734,2739,2743,2748,2751,2756],{"_key":2704,"_type":174,"marks":2705,"text":2706},"k805",[],"Nium is an established player in the global payments and embedded finance sector with more than a decade of experience. Despite its reach across multiple markets, potential customers might be deterred by its complex fee structure and multiple fees. Aspire, on the other hand, not only has a simpler",{"_key":2708,"_type":174,"marks":2709,"text":2711},"k806",[2710],"k786"," pricing structure",{"_key":2713,"_type":174,"marks":2714,"text":2715},"k807",[]," but is also more cost-effective with no account opening, monthly maintenance, or inactivity fees. Our market-leading FX rates are shown upfront for greater transparency. What's more, we also match Nium's",{"_key":2717,"_type":174,"marks":2718,"text":2720},"k808",[2719],"k789"," embedded finance",{"_key":2722,"_type":174,"marks":2723,"text":2724},"k809",[]," capabilities with",{"_key":2726,"_type":174,"marks":2727,"text":2729},"k810",[2728],"k792"," expense management",{"_key":2731,"_type":174,"marks":2732,"text":2733},"k811",[]," and",{"_key":2735,"_type":174,"marks":2736,"text":2738},"k812",[2737],"k795"," accounts receivables",{"_key":2740,"_type":174,"marks":2741,"text":2742},"k813",[]," tools, corporate cards,",{"_key":2744,"_type":174,"marks":2745,"text":2747},"k814",[2746],"k798"," accounting integrations",{"_key":2749,"_type":174,"marks":2750,"text":2733},"k815",[],{"_key":2752,"_type":174,"marks":2753,"text":2755},"k816",[2754],"k801"," API integrations",{"_key":2757,"_type":174,"marks":2758,"text":185},"k817",[],[2760,2762,2764,2766,2768,2770],{"_key":2710,"_type":188,"externalUrl":2761,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fpricing",{"_key":2719,"_type":188,"externalUrl":2763,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Faspireos",{"_key":2728,"_type":188,"externalUrl":2765,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fexpense-management",{"_key":2737,"_type":188,"externalUrl":2767,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Finvoice-management",{"_key":2746,"_type":188,"externalUrl":2769,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fintegrations",{"_key":2754,"_type":188,"externalUrl":2771,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fapi",{"_key":2773,"_type":170,"children":2774,"markDefs":2778,"style":1186},"k822",[2775],{"_key":2776,"_type":174,"marks":2777,"text":1006},"k821",[1183],[],{"_key":2780,"_type":170,"children":2781,"markDefs":2790,"style":1223},"k827",[2782,2786],{"_key":2783,"_type":174,"marks":2784,"text":2785},"k825",[1183],"Is Nium a fintech?",{"_key":2787,"_type":174,"marks":2788,"text":2789},"k826",[],"‍",[],{"_key":2792,"_type":170,"children":2793,"markDefs":2798,"style":190},"k831",[2794],{"_key":2795,"_type":174,"marks":2796,"text":2797},"k830",[],"Yes, Nium is a fintech that specialises in cross-border payments and embedded finance tools.",[],{"_key":2800,"_type":170,"children":2801,"markDefs":2806,"style":1223},"k835",[2802],{"_key":2803,"_type":174,"marks":2804,"text":2805},"k834",[1183],"Is Nium a good company?",[],{"_key":2808,"_type":170,"children":2809,"markDefs":2814,"style":190},"k839",[2810],{"_key":2811,"_type":174,"marks":2812,"text":2813},"k838",[],"Nium is a well-known fintech specialising in international payments and embedded finance products. Since its launch more than a decade ago, the company is on a high growth trajectory, having recently hit USD $50 billion in annual transactions.",[],{"_key":2816,"_type":170,"children":2817,"markDefs":2822,"style":1223},"k843",[2818],{"_key":2819,"_type":174,"marks":2820,"text":2821},"k842",[1183],"Is Nium a Singapore company?",[],{"_key":2824,"_type":170,"children":2825,"markDefs":2830,"style":190},"k847",[2826],{"_key":2827,"_type":174,"marks":2828,"text":2829},"k846",[],"Yes, Nium is headquartered in Singapore.",[],{"_key":2832,"_type":170,"children":2833,"markDefs":2838,"style":1223},"k851",[2834],{"_key":2835,"_type":174,"marks":2836,"text":2837},"k850",[1183],"How does Nium work?",[],{"_key":2840,"_type":170,"children":2841,"markDefs":2846,"style":190},"k855",[2842],{"_key":2843,"_type":174,"marks":2844,"text":2845},"k854",[],"Nium offers multi-currency business accounts and corporate cards that allow companies to receive, hold, convert, and pay in 70 currencies across 190 countries at competitive FX rates. It provides a comprehensive payments network through partnerships with various other payment service providers, banks, and clearing systems.",[],{"_key":2848,"_type":170,"children":2849,"markDefs":2854,"style":1223},"k859",[2850],{"_key":2851,"_type":174,"marks":2852,"text":2853},"k858",[1183],"What is a Nium payment?",[],{"_key":2856,"_type":170,"children":2857,"markDefs":2862,"style":190},"k863",[2858],{"_key":2859,"_type":174,"marks":2860,"text":2861},"k862",[],"A Nium payment could refer to funds transferred to pay suppliers and employees or money received from clients and customers through the fintech's platform.",[],{"slug":301,"title":302},{"_type":154,"alternativeText":2865,"height":1055,"url":2866,"width":1057},"Nium Singapore review: Business account features, fees, and benefits","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F289101bbee0741fe200aef7121d51006\u002Fshared_cover_shared-cover-alteranatives.jpeg",[2868,2875,2883,2889,2897],{"_key":1181,"_type":170,"children":2869,"level":1307,"listItem":1827,"markDefs":2874,"style":190},[2870],{"_key":2871,"_type":174,"marks":2872,"text":2873},"k1",[],"Nium's multi-currency business account allows customers to receive, hold, convert, and pay in multiple currencies",[],{"_key":2876,"_type":170,"children":2877,"level":1307,"listItem":1827,"markDefs":2882,"style":190},"k5",[2878],{"_key":2879,"_type":174,"marks":2880,"text":2881},"k4",[],"It facilitates cross-border payments in 70 supported currencies across 190 countries, with 80% of payments settled in real time",[],{"_key":1195,"_type":170,"children":2884,"level":1307,"listItem":1827,"markDefs":2888,"style":190},[2885],{"_key":1191,"_type":174,"marks":2886,"text":2887},[],"Customers must pay a one-time account opening fee and a monthly maintenance fee",[],{"_key":2890,"_type":170,"children":2891,"level":1307,"listItem":1827,"markDefs":2896,"style":190},"k11",[2892],{"_key":2893,"_type":174,"marks":2894,"text":2895},"k10",[],"Nium deploys real-time, market-aligned FX rates that can be locked for up to 24 hours",[],{"_key":2898,"_type":170,"children":2899,"level":1307,"listItem":1827,"markDefs":2903,"style":190},"k14",[2900],{"_key":1200,"_type":174,"marks":2901,"text":2902},[],"Nium business account holders may also access the fintech's other embedded finance products, including corporate cards, expense management tools, and API integrations",[],[2905],{"_key":1181,"_type":170,"children":2906,"markDefs":2910,"style":190},[2907],{"_key":2871,"_type":174,"marks":2908,"text":2909},[],"Here's one more name from Singapore's crowded fintech space that businesses must pay attention to. Nium is an established player in the banking-as-a-service and embedded finance area. From its origins as a consumer remittance platform, it has transformed into a B2B cross-border payments specialist. It product portfolio includes multi-currency business accounts and corporate cards designed to simplify the process of sending and receiving payments to and from international suppliers and clients across the world. In this Nium Singapore review, we take an in-depth look at the fintech's business account, cataloguing its top features and comparing them with the nearest competitors.",[],"2026-03-26T00:00:00.000Z",{"_type":149,"metaDescription":2913,"metaTitle":2914,"socialShareImageUrl":2915},"Nium business account review for Singapore businesses, exploring business account features, fees, payment capabilities, pros and cons.","Nium Singapore review: Features and pricing (2026)",{"_type":154,"alternativeText":2865,"height":1055,"url":2866,"width":1057},"nium-business-account-singapore-review",[2918,2925,2931,2937,2943,2949,2955,2962,2970],{"_key":1181,"_type":170,"children":2919,"level":1307,"listItem":2923,"markDefs":2924,"style":190},[2920],{"_key":2871,"_type":174,"marks":2921,"text":2922},[],"Nium Pte Ltd, MAS – https:\u002F\u002Feservices.mas.gov.sg\u002Ffid\u002Finstitution\u002Fdetail\u002F200939-NIUM-PTE-LTD","number",[],{"_key":2876,"_type":170,"children":2926,"level":1307,"listItem":2923,"markDefs":2930,"style":190},[2927],{"_key":2879,"_type":174,"marks":2928,"text":2929},[],"Nium, Forbes – https:\u002F\u002Fwww.forbes.com\u002Fsites\u002Fdanielwebber\u002F2022\u002F01\u002F19\u002Fnium-inside-b2bs-newest-global-payments-unicorn\u002F",[],{"_key":1195,"_type":170,"children":2932,"level":1307,"listItem":2923,"markDefs":2936,"style":190},[2933],{"_key":1191,"_type":174,"marks":2934,"text":2935},[],"Nium annual transactions, Tech in Asia – https:\u002F\u002Fwww.techinasia.com\u002Fnews\u002Fsingapore-fintech-firm-nium-reports-50b-annual-transactions",[],{"_key":2890,"_type":170,"children":2938,"level":1307,"listItem":2923,"markDefs":2942,"style":190},[2939],{"_key":2893,"_type":174,"marks":2940,"text":2941},[],"Global FX management, Nium – https:\u002F\u002Fwww.nium.com\u002Fproducts\u002Fglobal-fx",[],{"_key":2898,"_type":170,"children":2944,"level":1307,"listItem":2923,"markDefs":2948,"style":190},[2945],{"_key":1200,"_type":174,"marks":2946,"text":2947},[],"Fees, Nium – https:\u002F\u002Fdocs.nium.com\u002Fdocs\u002Ffees",[],{"_key":1208,"_type":170,"children":2950,"level":1307,"listItem":2923,"markDefs":2954,"style":190},[2951],{"_key":1211,"_type":174,"marks":2952,"text":2953},[],"Singapore business verification documents, Nium – https:\u002F\u002Fwww.nium.com\u002Fverifying-your-business\u002Fverifying-your-business-in-singapore",[],{"_key":1219,"_type":170,"children":2956,"level":1307,"listItem":2923,"markDefs":2961,"style":190},[2957],{"_key":2958,"_type":174,"marks":2959,"text":2960},"k19",[],"Nium review, Trustpilot – https:\u002F\u002Fwww.trustpilot.com\u002Freview\u002Fnium.com",[],{"_key":2963,"_type":170,"children":2964,"level":1307,"listItem":2923,"markDefs":2969,"style":190},"k23",[2965],{"_key":2966,"_type":174,"marks":2967,"text":2968},"k22",[],"Nium Pte Ltd review, Google Play – https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdeveloper?id=Nium+Pte+Ltd.&hl=en_IN",[],{"_key":2971,"_type":170,"children":2972,"level":1307,"listItem":2923,"markDefs":2976,"style":190},"k26",[2973],{"_key":1225,"_type":174,"marks":2974,"text":2975},[],"Aspire partners with Nium, Aspire – https:\u002F\u002Faspireapp.com\u002Fblog\u002Faspire-partners-with-visa-and-nium-on-smart-corporate-cards",[],1790926657851]