We are consistently recognised as one of the best in the industry
Aspire vs. Airwallex: Need an account that puts your business first?
Trusted by 50,000 businesses across Asia, and now Hong Kong. With Aspire, growing companies streamline expenses and make global payments at better FX costs, with no hidden fees.
Trusted by 50,000+ modern businesses
Aspire vs. Airwallex key differences
Here’s a side-by-side comparison of Aspire and Airwallex to highlight key differences and help you choose the best business account for your needs.
BUSINESS ACCOUNT
Free
Account Opening
Free
FREE
Deposit Fee
0.3% deposit fee*
100% Online
Application process
100% Online
FREE to receive HKD and CNY
via FPS in Hong Kong
Receive local payments
0.3% if receiving from a different account owner*
Free
Send local payments
Free
From HKD 60 for incoming payments in 13 currencies
Receive international payments
0.3% if receiving from different account owner*
(supports 20 currencies)
From HKD 116 or HKD 233 (SHA/OUR) to 13 currencies
Send international payments
From HKD 120 or HKD 200 (SHA/OUR)
to 20 currencies
Starting from 0.18%
above the mid-market rate
FX rates
Starting from 0.20%
above mid-market rate
5 currencies including HKD, CNY, USD, EUR, GBP (More coming soon)
Multi-currency account
13 currencies
CARD
Physical card
Unlimited
Virtual card
Unlimited
Unlimited 1% cashback for all businesses
Cashback rewards
Cashback for selected clients only
FREE
Expense management feature
HKD40/month per active employee cardholder
(HKD 40 per withdrawal)
Cash withdrawal from card
AUTOMATION AND SUPPORT
Live chat via Aspire App,
Whatsapp, and Email
Customer support channels
Phone, Email
English: 24/ 7
Mandarin and Cantonese: 9AM - 5PM HKT daily
Customer support availability
Availability varies by region
and local time
Accounting integration
API integration
*Fees may vary
Comparison as of 20 May 2025
3 reasons why businesses choose
Aspire over Airwallex
Aspire delivers more value as a primary account for growing businesses, with features that matter most for your day-to-day operations. Here’s how Aspire stands out.
Save More,
Right From The Start
With Aspire, there are no fees to receive your own money. Unlike Airwallex which charges 0.3% just to deposit funds, Aspire helps you keep more of your revenue — because growing your business shouldn’t come with hidden fees.
Your Card,
Ready In Seconds
Don’t wait days to get your card, or pay extra just to track your spending. With Aspire, activate your card instantly and manage expenses for free — while Airwallex charges HKD40/month for the same tools.
Support That Moves
At Your Speed
Get issues resolved fast with support that speaks your language—literally. Enjoy 24/7 support in English, or support in Cantonese, or Mandarin during business hours. Reach us via the Aspire App, WhatsApp, or Email, whichever works best for you.
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 funds are safeguarded by licensed financial institutions in full compliance with Hong Kong’s Money Service Operator (MSO) regulatory standards and follows strict data security protocols to ensure your business finances are protected every step of the way.
Seamless global payments
Aspire makes it easy to send and receive payments across 130+ countries in 13 currencies. With access to local rails and major card networks, businesses benefit from competitive exchange rates, faster transfers, and zero hidden fees—built to support your international operations without the usual friction.
AI-powered financial control
Gain full visibility and control over your business finances with Aspire’s smart tools. From automated reconciliation and multi-level approvals to real-time spend tracking and accounting integrations, Aspire helps modern finance teams streamline operations and stay audit-ready at all times.
We are backed by leading institutions and world-class investors
Frequently asked questions about Aspire vs. Airwallex
Who should choose Aspire?
Aspire is ideal for businesses that want to keep more of their money, move faster, and avoid unnecessary fees. Unlike others who charge for tools like expense management, Aspire gives you instant card access, responsive support, and smart spend controls — all without monthly add-ons. It's finance that works for your business, not against it.
Who should choose Airwallex?
Airwallex may suit businesses that require access to a broader range of currencies and are comfortable with high transaction-based fees.
Which is better overall, Aspire or Airwallex?
Aspire helps you save more while others take more. With no fees to receive funds, cashback on business spend, and expense management tools at no extra cost, Aspire delivers more value from day one. It’s a smarter way to manage money, without giving up a slice of your revenue.
Which offers better value, Aspire or Airwallex?
Aspire clearly delivers more value — with zero fees to receive payments, no cost for expense tools, and 1% cashback on SaaS and ad spends. In contrast, Airwallex users pay 0.3% deposit fees and HKD 40/month per employee for similar features.
Which has better customer support, Aspire or Airwallex?
Aspire offers multi-channel support via live chat, WhatsApp, and email, with English available 24/7 and additional language support in Mandarin and Cantonese during business hours.
Airwallex provides support via phone and email, but availability depends on region and time zone, which may vary. Aspire’s real-time, app-based support gives businesses faster, more flexible access when they need it most.
Which is better, Aspire Corporate Cards or Airwallex Corporate Cards?
Both platforms offer unlimited virtual and physical cards, but Aspire stands out with cashback on SaaS subscriptions, digital ad spend, and day-to-day business expenses — all with no monthly cardholder fees. It’s a perfect fit for teams managing multiple budgets, reimbursing employees, or scaling operations, with full visibility and control over every transaction.
Which has better accounting integrations, Aspire or Airwallex?
Both Aspire and Airwallex support Xero, QuickBooks, and Netsuite integrations. However, Aspire also offers expense tracking and reporting features included at no extra cost — making it more efficient out of the box for finance teams.
Hear it first from our customers
“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.”
$110,000
Saved per year
900hrs
Saved per year
View Case Study
Gregory Van
CEO of Endowus
"It was challenging to recognise costs efficiently with manual processes. With Aspire, we have control and visibility into all expenditure, allowing us to act swiftly and make informed decisions."
1,664hrs
Saved per year
$ 35,320.00
Saved per year
View Case Study
Chai Yang
Finance Director
"For organisations with many moving parts like ours, budgeting is important. Being unable to view our state of expenses at any given time causes challenges to modern businesses like ours."
760hrs
Saved per year
$ 73,000.00
Saved per year
View Case Study
Sagar Khatri
Co-Founder at Multiplier