Business account
A business account built for global scale
The Aspire business account lets you move money instantly with free real-time transfers, pay in 98+ currencies, get 24/7 human support and earn 1.5% cashback on card spend^ — with FDIC insurance up to USD $100M for complete peace of mind.
Our investors
Featured on
One business banking platform to run and scale your business
Send and receive money seamlessly
Move money in seconds with real-time transfers, or same-day with ACH and wire — all with zero fees
Start spending immediately with instant virtual cards
Multi-currency accounts for global business payments
Open accounts in USD, EUR*, GBP*, CNY*, HKD*, AUD*, CAD*, CHF*, JPY*, NOK*, NZD*, and SEK* at no cost
Safely send to 98+ major currencies including INR, SGD, PHP, EUR, GBP, and more with world-class FX rates
24/7 human support
International business hours — 24 hours a day, 7 days a week
Connect with human support around the clock
Account opening process
Look for a straightforward, fully online application with minimal documentation for faster account setup.
Transaction charges
Check for transparent and reasonable transaction fees that align with your business needs.
Monthly fees, deposits and minimum balances.
Consider accounts with low or no monthly fees, no initial deposit, and no minimum balance requirements to reduce unnecessary expenses.
Additional services
Look for useful features like multi-currency support, expense management, and accounting software integration to streamline operations.
No initial deposit or minimum balance required. Open your Aspire business account today
FAQ about Business Account
To put it simply, a business account is a bank account that you use for your business rather than your personal finances. A business account or a business bank account is focused towards catering a business and thus has features and services aimed towards businesses. It may provide features like low cost FX, Cashback on products & services tailored for businesses, multiple corporate cards, accounting software integrations etc. which a personal account would generally not offer. Here are some reasons why you should not use a personal account for your business (https://aspireapp.com/blog/how-switching-to-a-business-account-can-help-your-small-business).
Many US banks and financial technology platforms allow businesses to apply online, although eligibility, documentation and verification requirements vary by provider. For example, Aspire offers an online application process for US businesses, where registration can be completed digitally.
US business-account applications commonly require business formation or registration information, an EIN or other tax identification where applicable, details about the business’s owners and control persons, and identity-verification documents. The exact requirements can vary based on the business structure, ownership and provider.
A business account is designed for company income, expenses and financial operations, while a personal account is intended for an individual’s household and personal transactions. Business accounts may also provide features such as employee cards, expense controls, business payments and accounting integrations that aren't typically designed for personal banking.
A multi-currency business account lets a company hold and manage funds in multiple currencies, rather than converting everything into USD. This can help US businesses that receive international payments, pay overseas suppliers or operate across different markets by reducing unnecessary currency conversions and simplifying cross-border transactions. Aspire US offers multi-currency accounts across 13 currencies and supports payments to 98+ currencies.