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Grow your business funds with Aspire Yield

Earn returns on your USD and HKD with no minimums and next-business day access when you need it.

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Maximise your returns in USD and HKD

Up to

3.61%*

Before 0.5% Aspire annual fees

Up to

2.21%*

Before 0.5% Aspire annual fees

*The yield is based on 7-day performance as of 1st April 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.

Keep your money safe

At Aspire, we are committed to helping you maximise your money and minimise risk so you can focus on scaling your business.

Invest securely

Your money will be invested in money market funds managed by leading fund managers. You’ll also get updates on the net asset value of, and yield on, your investments.

Always accessible

We believe in giving you full control of your money. Your Yield account is integrated with your Business account, allowing you to seamlessly invest your funds anytime.

Start from your first dollar

No minimum amount required. Yield gives you the flexibility to grow your capital on your terms.

Cash out anytime

Earn returns on spare cash with next-business day liquidity or move funds back to your business account for your business expenses whenever needed.

FAQs about Yield

How does Yield work?

Your Yield account is integrated with your Aspire business account, allowing you to seamlessly invest your idle funds anytime.

For HKD, your funds are invested in Taikang Kaitai Hong Kong Dollar Money Market Fund
For USD, your funds are invested in Franklin USD Short-Term Mong Market Fund

View the fund's 1-year historical performance for USD here and HKD here.

You’ll get updates on the net asset value of and returns on your investments, with next-business-day access to your money whenever needed.

Who can use Yield?

Yield is available only to businesses incorporated in Hong Kong that qualify as active Non-Financial Entities (NFE). It is not available to companies with U.S. Persons or financial institutions and investment companies.

How much does Yield cost?

There are no fees to open an account or use Yield.

Clients are charged a small percentage of their total monthly Aspire Yield holdings at a rate determined by the value of the total holdings in Yield. This is charged to the Yield account.

Is there any lock-in period? Can I withdraw my funds immediately?

You can withdraw money from your Yield account at any time. The proceeds of the sale of the fund units will be transferred to your Aspire business account by the next business day, if the redemption request is received before the cut-off time for the day of the relevant money market fund(s).