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Aspire Yield: The best investment option for global businesses
Earn returns on idle cash while keeping it accessible. Yield is integrated with your Business Account, so you won’t need to juggle multiple platforms. Invest or move funds back anytime for payroll, suppliers, or other business needs.
Compare Aspire Yield with other investment providers
Here’s a side-by-side comparison of both accounts to highlight key differences and help you choose the best business account for your needs.
 |  |  |  | |
|---|---|---|---|---|
| Investment type | Money Market Funds | Money Market Fundsees | Money Market Funds (Cash Smart Secure) | Fixed Deposits |
| Underlying investments | Government bills and fixed deposits only | Government bills and corporate bonds | Government bills and corporate bonds | Deposit with the bank |
| Currencies | SGD & USD | SGD & USD | SGD only | SGD, USD & other currencies |
| Returns (after annual fees)* | SGD: 1.87%^ USD: 3.76%^ | SGD: 2.22% USD: 3.61% | SGD: 2.0% to 2.2% | SGD: From 0.05% USD: From 0.5% |
| Liquidity & access to Funds | 1 business day | Up to 2 business days | 3 to 5 business days | 3 to 5 business days Funds locked based on selected tenor |
| Integrated with business account | Yes | Yes | No | No |
Comparison as of September 2025
*Returns are taken from company websites on their respective landing pages and are accurate as of 3rd Sep 2025. Aspire does not take responsibility for any inaccuracy in the comparison table. Providers may update their returns from time to time, and the figures we extracted in the past do not predict future fees and performance.
^The return rates are based on 7-day performance as of 3rd Sep 2025. They do not guarantee future growth. Returns are not guaranteed and are projected based on how much your money could potentially grow over a year. Your capital may be at risk. Past performance is not an indicator of future performance. View the funds’ historical performance for SGD and USD.
Trusted by 50,000+ modern businesses
4.5 rating
3 reasons why businesses move idle funds to Aspire Yield
Seamless access and liquidity
Enjoy next-business-day access to funds without any lock-in. Aspire Yield is fully integrated with your Aspire Business Account for real-time flexibility.
Open to every business
Start earning in USD or SGD from your first dollar. No minimums, no exclusivity. Available to all Aspire Business Account holders with on-demand access anytime.
Managed by experts
Funds are placed in relatively low-risk money market funds, managed by Fullerton Fund Management under Seviora, owned by Temasek.
How Aspire works
Aspire brings together the security of traditional banking with the innovation of modern fintech to create the future of business finance. Here's what makes our platform uniquely powerful:
Trusted banking foundation
Your money is safeguarded in Tier 1 banks like DBS Singapore, and backed by partnerships with Citibank, JPMorgan, and Visa. Get the security of traditional banking with the speed of modern fintech - all fully compliant with MAS regulations.
Seamless global payments
Send and receive payments in 30+ currencies across 130+ countries at market-leading rates. Our transparent fee structure means no surprises, while smart workflows streamline your operations from payroll to revenue collection.
AI-powered financial control
Take charge with intelligent tools built for modern business. From multi-level approvals to real-time fraud detection, automated reconciliation to comprehensive integrations - work smarter, not harder.
Run your finances from one place
Open a multi-currency business account with no monthly fee, built-in invoicing, and real-time expense tracking.
Frequently asked questions about Aspire Yield: The best investment option for global businesses
Aspire Yield is fully integrated with your Aspire Business Account, so you don’t need to move funds to a separate platform. You can earn returns, pay suppliers and employees, receive revenue and manage expenses using a single login with no disruptions to your daily operations.
Aspire Yield is built for growing businesses and lean teams that want to maximise idle cash without compromising liquidity or operational efficiency. It’s ideal if you want low-risk, daily returns while maintaining quick access to funds and operational flexibility.
Money Market Funds (MMFs), like Aspire Yield, are a better option for businesses looking to earn returns with full flexibility. Unlike fixed deposits which lock in funds for a set period, MMFs offer daily yields, quick access to funds, and typically higher returns. With Aspire, you can also manage investments, payments and expenses seamlessly within your finance stack.
Hear it first from our customers
Gregory Van
CEO of Endowus
“As a startup, we needed more flexible solutions to support our increasing needs, as well as ones that’d make the most financial sense in supporting our growth.”
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Holly Qian
Head of Finance at First Page
“By leveraging Aspire, First Page aimed to establish tighter control over our financial outflows, ensuring that all media spending stayed within the allocated budget limits. This was crucial for maintaining financial discipline and ensuring that our company’s marketing efforts were both effective and sustainable.”
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William Chong
Finance Director at Glints
“In the past, we used different devices for calls, music, and work. Just like smartphones brought everything together, Aspire elegantly combines corporate cards, FX, business accounts, payables, and much more, into one user-friendly interface.”
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