No initial deposit, no minimum balance. Open your business account today.
The all-in-one, multi-currency business account
Aspire business account provides everything you need to build, run, and scale your business globally from day one. No initial deposit, no minimum balance. Open your free business account within 1 business day.
Trusted by 50,000+ modern businesses
A business account that scales with you
Send and receive money in multiple currencies
Get your own local and international account numbers to receive money in multiple currencies, just like a bank
All your funds are safeguarded with Tier-1 banks
Your funds will always be available to you. Aspire never uses any of your funds
With extra features to support your business
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Fast and transparent international payments
Send and receive international payments in 30+ currencies with low, transparent fees
Enjoy market-leading FX rates, up to 3x cheaper than banks
Avoid nasty surprises with charges and FX rates shown upfront, so you know exactly what you’re paying for. No hidden fees
up to
3x cheaper
than banks
Send and receive in
30+ currencies
with low, transparent fees
Get the best multi-currency cards with unlimited cashback
Issue unlimited virtual corporate cards with smart controls in seconds
Skip the FX fees with multi-currency cards, or spend with market leading-rates up to 3x cheaper than banks
Get rewarded with unlimited 0.5% cashback on qualified SaaS and digital marketing purchases
Get physical cards, or choose to go digital with Apple Pay or Google Wallet integrations
Close your books 2x faster with native accounting integrations and solutions
Reduce manual errors and save hundreds of hours with Aspire’s native Xero integration that updates hourly
Our advanced integrations include receipt attachments with text recognition, line items, and payment status updates
Powerful integrations extend to other accounting platforms like Quickbooks, Oracle Netsuite, Deskera and SAP
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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
“Aspire deserves a 10 out of 10! Thanks to their unmatched innovation, our team has saved up to Rp60 million annually and increased time efficiency by 80-90% across various functions, including electricity, engineering, and logistics. The team is also responsive whenever we need them.”
$ 4,903
Saved per year
702hrs
Saved per year
View Case Study
Miranti Dyah Prawitasari
Corporate Accounting Manager
"Aspire is very useful for the finance team. When other solutions are less convincing, Aspire seems to be the most stable and reliable solution."
$9,989
Saved per year
416hrs
Saved per year
View Case Study
Arni Maulidya
Finance at Avoskin
Get Started for free
FAQ about Aspire Business Account
How long does it take to open an Aspire business account?
Registration with Aspire takes less than 10 minutes which you can do via our website or mobile app.
Once registered, we will get back to you within 5 business days on whether your account has been activated or if we need further documents from you.
Our account verification process varies according to the nature of your business. In exceptional cases, it can take up to 7 days to process your documents.
How much money can I hold in my Aspire Business Account?
There are no limits on the balance you can hold in your Aspire USD, EUR and IDR Accounts.
How to apply for an Aspire Business account?
Open an Aspire account by clicking here and follow the steps below:
- Fill in the director details
- Fill in your business details
- Verify your identity with a selfie
What you need
In the simplest case, you will need:
- Your name and ID number
- Your email and mobile (verified with an OTP)
- A picture of your identification document (national ID or passport)
- A live selfie (taken with your phone or computer camera during the registration process)
- For registered Businesses (having a PT, CV or Individual PT license), please click here to view the -documents required to open an IDR account
- For unregistered Businesses (minimum RBA NIB), please click here for the documents required to open an IDR account
Expect to hear from us within 5-7 business days after signing up.
We may contact you for more information
If your company has corporate shareholders with more than 25% of the common shares, we will request their share ownership certificates. This document must show the % ownership and identity of the shareholder (Full name, Unique Identification Number, Nationality, Address).
Examples of documents accepted as share ownership certificates are:
- Certificates of incumbency
- Certificate of incorporation/registration
- Official original copy of the share ownership structure, certified by a notary public
Is there a minimum balance required for Aspire Business Accounts?
No minimum balance is required to keep your USD and IDR* Accounts activated.
*To create a recipient or make any transaction on your IDR Account, you'll need to have a minimum balance of IDR 10,000 on your account.
FAQ about business accounts
What is a 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 is focused towards catering for 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.
Which bank is best for business accounts?
There are various factors that decide which business account suits your business the best. You need to carefully evaluate various factors associated with the account, the account provided and your business to decide on which one suits you the best. Some of these factors are:
- Reputation of the provider
- Expertise
- Account features & services
- Fees, interest rates, and deposit requirements
- Easy of access & account opening
- Business entity type
- Business size
- Business operations - international or domestic etc.
What is a corporate account for?
A corporate account in Indonesia is used as an important tool for businesses to successfully manage their finances, ensuring operational efficiency, financial transparency, and access to critical banking services suited to the needs of Indonesia-based enterprises. Businesses generally use it for the following reasons:
- To enable business transactions
- To help create a segregation of business funds and personal funds
- To access additional capital for their growth and operational needs
- To enhance finance management efficiency vis access to tools and services such as expense tracking, automated invoicing, and integration with accounting software
What is the difference between a business account and a corporate account?
A corporate account and a business account are frequently used interchangeably. However, there are subtle distinctions between a corporate account and a business account, despite the similarity in terminology.
A corporate account is generally designed to serve larger companies and thus provide products and services tailored to their needs. A business account on the other hand is designed to serve smaller companies, who have their unique set of challenges and requirements.
Is a current account a corporate account?
Yes, a current account can be categorized as a corporate account. A current account is a basic type of bank account that enables businesses to undertake day-to-day financial operations such as receiving payments, paying suppliers, handling payroll, and other operational expenses.
