The all-in-one, powerful virtual business account to fuel your business growth

From smart invoicing to aggregated receivable accounts, manage business finances with ease with our all in one virtual business account. Plus free local transfers and unlimited cashback
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Funds safeguarded at Tier-1 banks
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We’ve helped 15,000+ businesses simplify their finances, it’s your turn today

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Online payments made easy

We offer multiple ways for your business to receive money - payment links, virtual accounts, and payment gateways. Get started in minutes
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Earn unlimited cashback

Earn 1% unlimited cashback on every transaction made on select top merchants worldwide
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Save you time and money

Our range of perks and automation features help your focus on what matters most on growing your business
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One business account, multiple ways to receive money

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Offer clients multiple ways to pay - via payment links, virtual accounts, integrated invoices, or payment gateways
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Manage all your receivables in a single business account, with real-time notifications when you get paid
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Create professional looking, tax-compliant invoices that match your brand
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Collect payments seamlessly, and reduce payment delays with auto-reminders for clients to pay
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Make free local bulk or scheduled transfers

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Save on fees with up to 10 free local transfers a month
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Easily disburse thousands of payments in one go with custom CSV imports, at the lowest fees
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Optimise cash flow with smart scheduled payments, based on due dates
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Enjoy unlimited cashback on world-class merchants

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Earn 1% unlimited cashback on your digital ads, SaaS subscription, bills, and travel expenses on top merchants worldwide
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With a single virtual business account, issue unlimited corporate cards in seconds, one card for every use case, project, or merchant
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Create smart budgets and monitor transaction in real-time, so you keep your employee spend under control
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A business account that helps you scale globally

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Get access to USD, EUR, GBP and IDR Virtual Business Accounts to help you scale globally
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Send and receive international payments in 30+ currencies with low, transparent fees
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Avoid nasty surprises with charges and FX rates shown upfront, so you know exactly what you’re paying for. No hidden fees
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Close your books 2x faster with native accounting integrations

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Reduce manual errors and save hundreds of hours with Aspire’s native Xero integration that updates hourly
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Our advanced integrations include receipt attachments with text recognition, line items, and payment status updates
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Powerful integrations extend to other accounting platforms like Quickbooks, Oracle Netsuite, Deskera and SAP

Experience the all-in-one difference

Save time, save money, and scale faster with everything in one place.
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Trusted by 15,000+ modern businesses

Payments to vendors have been efficient and timely, saving precious time for the team to analyse trends and improve spending needs. Issuing company cards to multiple departments have been a breeze, and managing department costs were easy to track.

Kenneth Chew

Finance Manager

Saved on average: 117 hours and $44,325 a year

Calculate how much your company would save
It's not only about counting what's there, but driving business decisions on what's going to be the growth levers of the near future.
Alex Jatra - Chief Financial Officer

Aside from expediting expenses processing, Aspire’s ability to do rebates accorded to expenses supporting business growth was definitely the icing on the cake.

Gregory Van

Gregory Van

Saved on average: 117 hours and $38,800 a year

Calculate how much your company would save
Aspire has helped us tremendously in giving us access to world class SAAS platforms that we were otherwise missing out on. Access to these platforms is an imperative for modern businesses like ours that cannot not have but the best customer experience and that have an ambition to scale quickly and sustainably as well.
Gavin Tan - CEO

Aspire gave our team the flexibility to make their own purchasing decisions that were otherwise impossible with a more conventional banking solution.

Ajay Bulusu

Co-Founder

Saved on average: 600 hours and $70,000 a year

Calculate how much your company would save
Aspire gives us visibility into our spending and helps us to reduce cost on exchange rates. There are no worries concerning unwanted spending.
Vennika Qashash - Senior Account Payable Associate

Aspire’s suite of automation tools  revolutionized the way we approach expense management. Now, our teams on the ground have a way to make purchasing decisions easily without the hassle of out-of-pocket expenses.

Gibran Huzaifah

Co-Founder and CEO

Saved on average: 1,155 hours and $198,565 a year

Calculate how much your company would save
Aspire’s suite of automation tools  revolutionized the way we approach expense management. Now, our teams on the ground have a way to make purchasing decisions easily without the hassle of out-of-pocket expenses.
Gibran Huzaifah - Co-Founder and CEO
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Trusted by 15,000+ businesses

Discover how Aspire empowers Noice to effectively manage and scale their growing business with our comprehensive suite of finance solutions

What they say about Aspire

Discover how Aspire empowers Noice to effectively manage and scale their growing business with our comprehensive suite of finance solutions

Frequently asked questions about Aspire Business Account

Who can create an Aspire business account?

Any business can open an account if it has been registered in Indonesia and is included in the list of Permitted Businesses.

How to apply for an Aspire business account?

Open an Aspire account by clicking here and follow the steps below:

1. Fill in the director details
2. Fill in your business details
3. 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:
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Certificates of incumbency
Certificate of incorporation/registration
Official original copy of the share ownership structure, certified by a notary public

How long does it take to open an Aspire account?

Registration with Aspire takes less than 10 minutes which you can do via our website or mobile app.

Experience the future of
business finance today

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Aspire is filling a $150 billion gap for better, faster and cheaper financial services for businesses in SEA
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Aspire partners with Accurate to serve a new generation of modern SMEs in Indonesia
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Aspire hits profitability just months after closing its US$100 million series C funding round
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Products
Business AccountGlobal Payments & FXExpense ManagementCorporate CardsBulk PaymentsBill PayPayment GatewayPayout API
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Company
About AspireContact UsCareers at AspirePartner with Aspire
PT Kharisma Catur Mandala is a payment system company regulated under Bank Indonesia with Funds Transfer license No: 20/231/DKSP/82, Payment Gateway license no: 22/454/DKSP/Srt/B, and has been registered as an Electronic System Operator (PSE) at the Ministry of Communication and Information of the Republic of Indonesia, Number: 000972.02/DJAI.PSE/08/2022. PT Kharisma Catur Mandala also works in collaboration with various affiliates and partners that is regulated by OJK or licensed by Bank Indonesia for various product and services.

PT Alumak Teknologi Indonesia is a registered aggregator service provider within the scope of digital financial innovation from the Financial Services Authority (OJK) in Indonesia with registration number 001/ATI/XI/2019. Alumak does not independently provide financial service products regulated by laws and regulations. Alumak cooperates with financial service institutions registered and supervised by government authorities that provide financial services to consumers.

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