Running a business means making thousands of decisions about where your money goes. How much to keep in cash, how to pay suppliers, which currency to spend from, and how to manage costs as you grow.
At Aspire, we're building a business account that helps you make those decisions more efficiently.
This summer, we're introducing new ways for Hong Kong businesses to get more from their money. Put idle cash to work, spend and move money across currencies, and unlock more value from your Aspire account.
Spend and move money more efficiently
For businesses operating across Hong Kong, China, and the rest of the world, moving money across currencies is part of everyday operations.
Aspire makes it easier to make payments in the currencies you already hold, helping you avoid unnecessary conversions and fees.
Move money without the extra cost
Businesses can also move money more efficiently with:
- 0 fees on local payments via FPS
- Free CNY payouts, helping you pay Chinese suppliers,partners and teams in the currency they use
By removing fees from everyday payments, Aspire helps businesses move money where it's needed while keeping more of it in the business.
One card. 13 currencies.
With Aspire multi-currency cards, businesses can spend directly from 13 currencies on a single card, including HKD, CNY, USD, GBP, EUR, and more*.
- Spend directly in 13 currencies* on one card, one of the broadest multi-currency spending capabilities available in Hong Kong
- Earn 1.2%^ uncapped cashback on eligible spend, with no tiers or caps
- Spend from the currency you’re already holding, helping receive unnecessary FX conversions
So if you're paying a supplier in China, running ads in USD, or on a business trip to Singapore, you can spend directly from the relevant currency instead of converting unnecessarily.
*Supported currencies: HKD, CNY, USD, GBP, EUR, AUD, CAD, CHF, JPY, NOK, NZD, SEK, SGD
Put your surplus capital to work
Your business cash needs to stay accessible. But that doesn't mean it needs to sit idle.
Aspire Yield gives businesses a way to put idle USD and HKD balances to work through money market funds managed by leading global fund managers, giving businesses a simple way to earn on surplus cash without locking it away in fixed deposits.
- Earn up to 3.64% p.a.* on USD and 2.34% p.a.* on HKD
- No minimum balances and no lock-in period
- Access funds anytime, with next-business-day liquidity
- Aspire Premium customers save 50% on Yield fees
Whether you're building cash reserves, waiting for your next investment, or simply keeping working capital on hand, Yield helps you put surplus cash to work while keeping it available for your daily expenses.
*The yield is based on 7-day performance as of 31st Jul 2026, before deducting Aspire’s service fees. 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 fund's 1-year historical performance for USD here and HKD here.
Unlock the best of Aspire
As your business grows, you should get more from your business account too. Aspire Premium gives you preferential pricing, transfer allowances, and exclusive benefits designed for businesses that are ready for more.
With Premium, you’ll enjoy:
- 5 free international transfers every month
- Free FX on the first HK$80,000 in monthly volume
- 50% savings on Aspire Yield fees
- A free metal card (coming soon)
- Additional perks for growing businesses
For HK$399 a month, you can save up to HK$1,500 a month on fees and FX costs, while getting more from the Aspire experience.
The more you use Aspire, the more value Premium can unlock.
More ways to make every dollar work harder
From earning on idle cash to spending across currencies, moving money without unnecessary fees, and unlocking more from your account as you grow, Aspire is continuing to build new ways for businesses to get more from their money.
Every dollar in your Aspire account can do more. And we're building more ways to help it.
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