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Aspire vs Wise: We do more than payments
International payments are just one part of modern business finance. While Wise moves money across borders, Aspire gives you full control, from smart expense tracking and cashback to automated workflows and accounting integrations.
Trusted by 50,000+ modern businesses
Aspire vs. Wise key differences
Here’s a side-by-side comparison of Aspire and Wise to highlight key differences and help you choose the best business account for your needs.
BUSINESS ACCOUNT
FREE
Account Cost
Free
Free via FPS
HKD 15 via CHATS
HKD 15 via CHATS
Receive Local Payments
Free via FPS
Free via FPS
HKD 15 via CHATS
HKD 15 via CHATS
Send Local Payments
Free via FPS
CHATS not supported
CHATS not supported
From HKD 60 for incoming payments in 13 currencies
Receive International Payments
From HKD 30 for incoming payments in 22 currencies
From HKD 120 (SHA) to HKD 240 (OUR) in 13 currencies
Send International Payments
From HKD 30, depending on currency and transfer method
Starting from 0.18% above the mid-market rate
FX Rates
Starting from 0.26% above mid-market rates
5 currencies including HKD, CNY, USD, EUR, GBP (More coming soon)
Multi-currency Account
40 currencies
CARD
Issue Corporate Cards for Businesses Spends
Not available for HK business accounts
Unlimited 1% cashback
for SaaS and marketing spend
for SaaS and marketing spend
Cashback Rewards
Create employee cards with spend controls and real-time tracking
Expense Management Feature
AUTOMATION AND SUPPORT
Live Chat via Aspire App, Whatsapp, and Email
Customer Support Channels
Live chat, Email and Phone
English: 24/ 7
Mandarin and Cantonese:
9AM - 5PM HKT daily
9AM - 5PM HKT daily
Customer Support Availability
English: 24/7
Accounting Integration
API Integration
Comparison as of July 2025
3 reasons why businesses choose Aspire over Wise
Running a successful business requires much more than just efficient money transfers. Here’s why businesses in Hong Kong are switching from Wise to Aspire.
Save While You Scale with Smart Corporate Cards
Unlike Wise which doesn’t offer corporate cards, Aspire lets you issue unlimited virtual cards and earn 1% uncapped cashback on marketing and SaaS spends, turning everyday expenses into real business savings.
Make Secure, High-Value Payments via CHATS
While Wise supports only FPS transfers, Aspire gives you the flexibility to send larger local payments securely within Hong Kong in HKD, CNY or USD via CHATS, ideal for time-sensitive supplier payments and business transactions.
Gain Full Financial Control on One Platform
Aspire goes beyond basic transfers with built-in budgeting, approval workflows and real-time spend tracking, so you can manage team expenses with ease. Wise, in contrast, offers no spend management tools.
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. Wise
Who should choose Aspire over Wise?
Aspire is ideal for businesses that need more than just international money transfers. It offers a comprehensive business finance platform with corporate cards, expense management, budgeting tools and accounting integrations, designed to support growing companies with an all-in-one solution.
Who should choose Wise?
Wise may suit businesses that are primarily focused on fast, low-cost international money transfers and holding money in multiple accounts. However, businesses that need broader financial management features such as corporate cards and spend controls can find Wise’s offering too limited.
How do Aspire’s international payment capabilities compare to Wise?
While both platforms offer competitive international transfers, Aspire goes further by combining global payment capabilities with a full suite of business finance tools. With integrated expense management, budgeting controls and cashback on marketing and SaaS spends, Aspire delivers greater overall value for businesses looking to streamline operations.
How does Aspire’s pricing compare to Wise?
Aspire provides more value with zero monthly fees, market-leading FX rates starting from 0.18%, 1% cashback on marketing and SaaS spend, and built-in expense and accounting integration. Wise, while strong on transfers, lacks corporate cards and integrated spend management, meaning additional tools and costs may be required.
Which is better for daily business operations, Aspire or Wise?
Aspire supports daily operations with features like real-time expense tracking, budgeting, corporate cards and accounting integrations. Wise focuses on international transfers, meaning businesses may need to rely on external solutions for everyday finance management.
Which has better accounting integrations, Aspire or Wise?
Aspire offers seamless integration with Xero, QuickBooks and NetSuite, along with open API access for custom workflows. Wise currently supports integration with Xero and QuickBooks only, with fewer options for advanced automation.
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