All your expenses in one place, in real-time, with full control

Manage your operational or employee expenses with intuitive expense
management software integrated with our global payments stack
play icon
BUSINESS ACCOUNT
Global financial stack with fast access to cards, international payments, and invoices, all in a business account.
Ideal for companies with < 50 employees
Starting from
S$12/mo
Start Free Trial
60 days free trial.
Free for startups incorporated in last 12 months.
Operate your business with,
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Multi-currency accounts in SGD, USD, and IDR, with more coming soon
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Free local transfers and best FX rates, up to 3x cheaper than banks
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Create & send receivable invoices, with automated payment tracking
check icon
Multi-currency corporate cards, physical and virtual
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1% Cashback on card spend on digital marketing and subscriptions
check icon
Integrated with Xero & Quickbooks
BUSINESS ACCOUNT
Global financial stack with fast access to cards, international payments, and invoices, all in a business account.
S$12/mo
Start Free Trial
60 days free trial. No credit card required.
Free for startups incorporated in the last 12 months.
Operate your business with,
check icon
Multi-currency accounts in SGD, USD, and IDR, with more coming soon
check icon
Free local transfers and best FX rates, up to 3x cheaper than banks
check icon
Create & send invoices, with automated payment tracking
check icon
Multi-currency corporate cards, physical and virtual
check icon
1% Cashback on card spend on digital marketing and subscriptions
check icon
Integrated with Xero & Quickbooks
Prices shown are exclusive of prevailing taxes
Need to manage business spend?
View spend management
SPEND
MANAGEMENT
Starting from
Custom Pricing
Rp
2.450.00
/mo
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Includes More than 100 40 Employee users
Talk to us
Or WhatsApp Us
check icon
Control and track business expenses across teams and projects with budgets
check icon
Set multi-layer approval workflows, increase visibility with end-to-end approval trails
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Empower employees with pre-approved expenses via multi-currency corporate cards
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Eliminate receipt chasing, with automated receipt reminders
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Manage out of pocket claims with one-click reimbursements
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One-click expense reports across all employee expenses, generated in real-time
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Close your books 2x faster with advanced accounting integrations
PAYABLE
MANAGEMENT
Starting from
Custom Pricing
Rp
1.199.00
/mo
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Includes 300 free transactions/month
Or WhatsApp Us
check icon
Keep track of all account payables and statuses in a single dashboard
check icon
Reduce manual entry and errors with smart data capture (OCR) of invoices
check icon
Set multi-layer approval workflows, increase visibility with end-to-end approval trails
check icon
Make bill payments in over 50+ currencies, with free local transfers and leading FX rates
check icon
Optimise cashflow with smart scheduled payments, based on due dates
check icon
Close your books 2x faster with advanced accounting integrations including bill pass through
SPEND PRO
Take spend management to the next level with approval flows and interest free credit limits
Ideal for companies with 50 - 250 employees
Starting from
S$199/mo
billed annually, or S$249/mo
Everything in Spend Starter and,
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Advance cards and transfers in single currency, with interest free credit limits, subject to approval
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Multi-level approval flows and advanced controls that map to internal company policies
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Bulk bill uploads with mass payments support
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Online onboarding with employee training and 60-day personalised support
SPEND
CUSTOM
Custom
Pricing
Ideal for companies with more than
200 employees
Talk to us
Or WhatsApp Us
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Native Netsuite integration
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Multiple entity management in a single dashboard view
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Custom data and accounting fields to map transactions to entity, location, custom fields, and more
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Dedicated account manager and employee training sessions
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Interest-free credit on card spend*
All prices are exclusive of tax PPN
add ons
+ Admin or finance users
Rp 99.000/mo
+ Virtual business account Learn more
+ Online Payments
Learn more
+ Automated Payouts
Learn more

Trusted by global companies around the world

Simple transaction pricing

Maximise savings with market-leading transaction prices and rates
IDR PAYMENTS
BI FAST
ONLINE TRANSFER
SKN/LLG
e-Wallet
SWIFT
USD PAYMENTS
SGD PAYMENTS
Corporate Cards
Card FX
Cashback
Cashback
2023 PROMOTION
100 free local IDR transfers/month
Rp 4.000
Coming soon
Rp 4.000
Coming soon
Coming soon
SGD
SGD
sgd
Best rates with zero fees
1% on qualified spend
1%
on qualified spend
Have more than 50 employees or transact in large volumes?
Talk to us

Trusted by 10,000+ modern businesses

View all Testimonials
Geniebook testimonial
Geniebook testimonial
tech in asia testimonial
Endowus testimonial
brick testimonial
Who save on average 117 hours and Rp 400.000.000 a year
Calculate how much your company would save
Improve business bottomline and remove the hidden costs of spend management
Payables Management
Save time and reduce manual work and error by streamlining your account payables process. From approvals to payments, do it all in one dashboard.

Automated bill submission

Easily submit bills by forwarding an email or taking a photo. Reduce manual data entry and errors with optical character recognition.

Better workflow, better cashflow

Get an end-to-end view of documents, details, and approval trails before final payment. Schedule bulk payments to save time and optimise your cashflows.
Check icon

Account for all payables

Talk about audit ready - all bill details, including unpaid bills and attachments, are synced with your accounting software.
What’s included
User
Admin or Finance
Features
Budget
Budgets
Enforceable budgets to control invoice payments across teams
PAYABLES
Automated payable submission
With auto data capture (OCR)
Payable approval flows
Keep invoice payments in check, according to your company's approval matrix
Bulk invoice upload
Schedule invoice payments
Maximise cashflows with smart scheduled payments
INTEGRATION
Jurnal
Statement exports, bills sync with attachments
Accurate
Statement exports, bills sync with attachments
Xero
Direct bank feed, bills sync with attachments
Custom CSV Exports
Custom export formats for Zoho, Freshbooks, Sage, Deskera and more
Netsuite
Direct bank feed, bills sync with attachments
Add-ons
Admin or Finance
Interest free credit limits on payables
Subject to approval
Support
Priority support
Dedicated account manager
Dedicated account manager
SGD
2 free included
SGD
Budget
Unlimited
PAYABLES
Starting at Rp 4.000/payable
INTEGRATION
Talk to sales
Add-ons
Rp 99.000/user/mo
Talk to sales
Support

More than a business account

From smart invoicing to aggregated receivable accounts, manage business finances with ease with everything in one place. Plus free local transfers and unlimited cashback
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Trusted by 15,000+ business worldwide
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Save you time and money
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100% online application, get started in minutes
VIRTUAL BUSINESS ACCOUNT
Starting from
Free
Includes 2 Admin users
Get Started
60 days free trial
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Multi-currency accounts in IDR, USD, SGD with EUR, HKD and more coming soon
check icon
100 free local transfers/mo and transparent FX rates, 0 fees
check icon
Multi-currency corporate cards, physical and virtual
check icon
Earn unlimited 1% cashback on card spend for business, SaaS, travel and subscriptions
check icon
Create & send receivable invoices, with automated payment tracking
check icon
Integrated with Jurnal, Accurate, Xero & Quickbooks
FREE for new businesses
VIRTUAL BUSINESS ACCOUNT
Global financial stack with fast access to cards, international payments, and invoices, all in a business account.
Free
Includes 3 Admin/Finance users
Start Free Trial
Operate your business with,
check icon
Multi-currency accounts in IDR, USD, SGD with EUR, HKD and more coming soon
check icon
100 free local transfers/mo and transparent FX rates, 0 fees
check icon
Multi-currency corporate cards, physical and virtual
check icon
Earn unlimited 1% cashback on card spend for business, SaaS, travel and subscriptions
check icon
Create & send receivable invoices, with automated payment tracking
check icon
Integrated with Jurnal, Accurate, Xero & Quickbooks
FREE for new businesses
All prices are exclusive of prevailing taxes, applicable for Indonesia incorporated businesses only
add ons
+ Admin or finance users
Rp 49.000/mo
+ Spend management
Learn more
+ Online payments
Learn more
+ Automated Payouts
Learn more
VIRTUAL BUSINESS ACCOUNT
Starting from
Free
Includes 2 Admin users
Get Started
60 days free trial
check icon
Multi-currency accounts in IDR, USD, SGD with EUR, HKD and more coming soon
check icon
100 free local transfers/mo and transparent FX rates, 0 fees
check icon
Multi-currency corporate cards, physical and virtual
check icon
Earn unlimited 1% cashback on card spend for business, SaaS, travel and subscriptions
check icon
Create & send receivable invoices, with automated payment tracking
check icon
Integrated with Jurnal, Accurate, Xero & Quickbooks
FREE for new businesses
BUSINESS ACCOUNT
Global financial stack with fast access to cards, international payments, and invoices, all in a business account.
Starting from
S$12/mo
Includes 3 Admin/Finance users
Start Free Trial
60 days free trial
Operate your business with,
check icon
Multi-currency accounts in SGD, IDR, USD with EUR, HKD and more coming soon
check icon
Free local transfers and best FX rates, up to 3x cheaper than banks
check icon
Multi-currency corporate cards, physical and virtual
check icon
Earn unlimited 1% cashback on card spend for digital marketing & subscriptions
check icon
Create & send receivable invoices, with automated payment tracking
check icon
Integrated with Xero & Quickbooks
FREE for new businesses
BUSINESS ACCOUNT
Global financial stack with fast access to cards, international payments, and invoices, all in a business account.
S$12/mo
Start Free Trial
60 days free trial. No credit card required.
Free for startups incorporated in the last 12 months.
Operate your business with,
check icon
Multi-currency accounts in SGD, USD, and IDR, with more coming soon
check icon
Free local transfers and best FX rates, up to 3x cheaper than banks
check icon
Create & send invoices, with automated payment tracking
check icon
Multi-currency corporate cards, physical and virtual
check icon
1% Cashback on card spend on digital marketing and subscriptions
check icon
Integrated with Xero & Quickbooks
All prices are exclusive of prevailing taxes, for Singapore incorporated businesses.
Please contact us if you are an international business
Need to manage business spend?
View spend management
add ons
+ Extra physical cards
$15/card
+ Admin or finance users
$9/mo
+ Spend management
Learn more
+ International business account
Learn more
VIRTUAL
BUSINESS ACCOUNT
LITE
FREE
Starting from
Custom Pricing
$
99
/mo
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Includes 2 Admin users
Includes More than 100 40 Employee users
Or WhatsApp Us
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Free local bulk and scheduled transfers
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Aggregated receivable accounts via payment links, virtual accounts, smart invoices, and payment gateways
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Professional looking invoices with integrated receivables management
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Multi-currency virtual cards
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Earn unlimited 1% cashback on select top merchants worldwide
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International transfers with low FX rates and transparent fees
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Powerful and native integrations with Xero, Jurnal, Accurate, and more
VIRTUAL
BUSINESS ACCOUNT
PRO
Rp 288.000/mo
Includes 4 Admin users
Includes More than 100 40 Employee users
Custom
Pricing
Ideal for companies with more than
100 employees
Or WhatsApp Us
Everything in Lite plus:
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Issue multiple virtual cards with enhanced smart controls
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Manage unlimited budgets to monitor and control cashflows
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Automate payable management with smart data-capture and bill payments
All prices are exclusive of tax PPN
add ons
+ Admin or finance users
Rp 99.000/mo
+ Online payments
Learn more
+ Spend management
Learn more
+ Automated Payouts
Learn more

Simple transaction pricing

No surprises with clear and upfront market-leading transaction prices and rates
TRANSFERS
Local
International
Cards
International payments
Cashback
SGD
Up to 100 free local transfers / month*
Local IDR, USD and SGD transfers via BI-FAST/SKN/LLG/RTGS/ACH
Transparent, real-time FX rates
SWIFT fees as low as USD 8
SGD
Transparent, real-time FX rates
Unlimited 1% cashback
business, SaaS, travel and subscriptions
IDR
IDR BASE CURRENCY
BI FAST
ONLINE TRANSFER
SKN/LLG
RTGS
e-Wallet
SWIFT
USD BASE CURRENCY
SGD BASE CURRENCY
Corporate Cards
Card FX
Cashback
Cashback
2023 PROMOTION
100 free local IDR transfers/month
Coming soon
Rp 4.000
Rp 4.000
Coming soon
Coming soon
SGD
SGD
sgd
Best rates with zero fees
1% on qualified spend
1%
on qualified spend
*Available on Virtual Business Account Pro only
Transact in large volumes?

Trusted by 15,000+ modern businesses

View all Testimonials
brick testimonial
Endowus testimonial
tech in asia testimonial
Geniebook testimonial
Geniebook testimonial
Who save on average 117 hours and Rp 400.000.000 a year
Calculate how much your company would save
Streamline your finance operations while improving your margins with unlimited Cashback and transparent FX rates
Business Account
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Get paid faster and easier

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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Your funds are safe with us

We take security seriously. Your funds are held in a trust account and safeguarded with leading tier-1 bank partners.
What’s included
User
Admin or Finance
Employee
Features
Transfers
Multi-currency accounts
Local transfers
Via BI-FAST, SKN, LLG, RTGS, ACH and more
International transfers
Transparent FX fees
Bulk and scheduled transfers
Payment links
Multi-level payment approvals
Corporate cards
Multi-currency virtual cards
Unlimited 1% cashback on card spend
On business, SaaS, travel and subscriptions
Invoice management
Budgets
Receivables management
Payables management
INTEGRATION
Jurnal
Statement exports
Accurate
Statement exports
Xero
Direct account statement sync
Quickbooks
Direct account statement sync
Custom CSV Exports
Custom export formats for Zoho, Freshbooks, Sage, Deskera and more
Add-ons
Admin or Finance
International accounts
Support
Priority support
Priority support
SGD
2 users included
Available on Spend Management Plan
SGD
Receive
IDR, USD, SGD
EUR, HKD and more coming soon
200 free BI-FAST
Transparent FX fees
Corporate cards
1 virtual card per user
Invoice management
Up to 2
3/month
3/month
INTEGRATION
Add-ons
Rp 99.000/user/month
Support
Whatsapp, Chat, Email
Chat, Email
LITE
SGD
4 users included
Available on Spend Management Plan
SGD
Receive
IDR, USD, SGD
EUR, HKD and more coming soon
100 free BI-FAST/month
Transparent FX fees
Corporate cards
20 free per business
Invoice management
Unlimited
50/month
50/month
INTEGRATION
Add-ons
Rp 99.000/user/month
Price on application
Support
Whatsapp, Chat, Email
Chat, Email
PRO

Simplified payments to grow your online business

Accept and send payments easily for your marketplace or platform business
ONLINE PAYMENTS
Custom
Pricing
Starting from
Talk to us
Or WhatsApp Us
check icon
Transparent and competitive prices
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Receive payments via bank transfers, cards, virtual accounts, retail outlets and e-wallets throughout Indonesia
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Fast and easy settlements
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Unified and comprehensive dashboard for all transactions
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Customisable APIs for more complex needs
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Customisable APIs for more complex needs
PAYABLE
MANAGEMENT
Starting from
Custom Pricing
Rp
1.199.00
/mo
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Includes 300 free transactions/month
Or WhatsApp Us
check icon
Keep track of all account payables and statuses in a single dashboard
check icon
Reduce manual entry and errors with smart data capture (OCR) of invoices
check icon
Set multi-layer approval workflows, increase visibility with end-to-end approval trails
check icon
Make bill payments in over 50+ currencies, with free local transfers and leading FX rates
check icon
Optimise cashflow with smart scheduled payments, based on due dates
check icon
Close your books 2x faster with advanced accounting integrations including bill pass through
SPEND PRO
Take spend management to the next level with approval flows and interest free credit limits
Ideal for companies with 50 - 250 employees
Starting from
S$199/mo
billed annually, or S$249/mo
Everything in Spend Starter and,
check icon
Advance cards and transfers in single currency, with interest free credit limits, subject to approval
check icon
Multi-level approval flows and advanced controls that map to internal company policies
check icon
Bulk bill uploads with mass payments support
check icon
Online onboarding with employee training and 60-day personalised support
AUTOMATED PAYOUTS
Custom
Pricing
Talk to us
Or WhatsApp Us
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Send money to 140+ local banks, virtual accounts, e-wallets and cash through outlet posts across Indonesia
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Real-time daily reconciliation
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Flexible payouts from 1 to 10,000+ transactions per day
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Smart payout validation to verify payouts and reduce errors
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Customisable APIs for more complex needs
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Customisable APIs for more complex needs
All prices are exclusive of tax PPN
add ons
+ Virtual business account
Learn more
+ Spend Management
Learn more

Simple transaction pricing

ONLINE PAYMENTS
AUTOMATED PAYOUTS
Spend Management
Gain real-time visibility and control on employee spend. Keep team expenses within budget with employee cards and claims

Issue employee cards

Issue employee cards in seconds. Control expenditure via enforcable budgets, spend limits, and merchant locks

Manage claims

No cards, no problem. Manage out-of-pocket claim with easy submission, approval, and one-click reimbursement
Check icon

Account for all expenses

Easily spot missing receipts and save time with automated receipt reminders. All expense details and attachments are synced with your accounting software
What’s included
User
Admin or Finance
Employee
Features
Budget
Budgets
Enforceable budgets to control spend across teams or projects
Cards
Employee cards
Issue cards with spend limits & merchant locks
CLAIMS
Approve and disburse claims
Claim approval flows
INTEGRATION
Jurnal
Statement exports, expenses sync with attachments
Accurate
Statement exports, expenses sync with attachments
Xero
Direct bank feed, expenses sync with attachments
Custom CSV Exports
Custom export formats for Zoho, Freshbooks, Sage, Deskera and more
Netsuite
Direct bank feed, expenses sync with attachments
Add-ons
Admin or Finance
Employee
Advance cards
Interest-free credit limits on cards and transfers, subject to approval
Support
Priority support
Dedicated account manager
Dedicated account manager
SGD
2 free included
Starting at Rp 49.000/user/mo
SGD
Budget
Unlimited
Cards
Unlimited
CLAIMS
Unlimited
INTEGRATION
Talk to sales
Add-ons
Rp 99.000/user/mo
Rp 49.000/user/mo
Talk to sales
Support
Virtual Business Account
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Get started in minutes

Apply 100% online from wherever you are.  Get access to your multi-currency account and free local transfers in hours
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Transparent and low cost FX

Enjoy savings on international payments with transparent rates, 0 fees. Always know your costs before making transfers
Check icon

Earn unlimited cashback

Earn 1% cashback from select merchants, stacked on top of FX gains from your multi-currency corporate card spend
What’s included
User
Admin or Finance
Employee
Features
Transfers
Multi-currency accounts
Local transfers
Via BI-FAST, SKN, LLG, RTGS, ACH and more
International transfers
Transparent FX fees
Bulk and scheduled transfers
Payment links
Multi-level payment approvals
Corporate cards
Multi-currency virtual cards
Unlimited 1% cashback on card spend
On business, SaaS, travel and subscriptions
Invoice management
Budgets
Receivables management
Payables management
INTEGRATION
Jurnal
Statement exports
Accurate
Statement exports
Xero
Direct account statement sync
Quickbooks
Direct account statement sync
Custom CSV Exports
Custom export formats for Zoho, Freshbooks, Sage, Deskera and more
Add-ons
Admin or Finance
International accounts
Support
Priority support
Priority support
SGD
2 users included
Available on Spend Management Plan
SGD
Receive
IDR, USD, SGD
EUR, HKD and more coming soon
Via BI-FAST, SKN, LLG, RTGS, ACH and more
Transparent FX fees
Corporate cards
1 virtual card per user
Invoice management
Up to 2
3/month
3/month
INTEGRATION
Add-ons
Rp 99.000/user/month
Support
Whatsapp, Chat, Email
Chat, Email
LITE
SGD
4 users included
Available on Spend Management Plan
SGD
Receive
IDR, USD, SGD
EUR, HKD and more coming soon
100 free BI-FAST/month
Transparent FX fees
Corporate cards
20 free per business
Invoice management
Unlimited
50/month
50/month
INTEGRATION
Add-ons
Rp 99.000/user/month
Price on application
Support
Whatsapp, Chat, Email
Chat, Email
PRO
User
Admin or Finance
Employee
Features
Transfers
Multi-currency accounts
Local transfers
International transfers
Bulk and scheduled transfers
Payment links
Multi-level payment approvals
Corporate cards
Multi-currency virtual cards
Unlimited 1% cashback on card spend
On business, SaaS, travel and subscriptions
Invoice management
Budgets
Receivables management
Payables management
INTEGRATION
Jurnal
Statement exports
Accurate
Statement exports
Xero
Direct account statement sync
Quickbooks
Direct account statement sync
Custom CSV Exports
Custom export formats for Zoho, Freshbooks, Sage, Deskera and more
Add-ons
Admin or Finance
International accounts
Support
Priority support
Priority support
SGD
2 users included
Available on Spend Management Plan
SGD
Receive
IDR, USD, SGD
EUR, HKD and more coming soon
Via BI-FAST, SKN, LLG, RTGS, ACH and more
Transparent FX fees
Corporate cards
1 virtual card per user
Invoice management
Up to 2
3/month
3/month
INTEGRATION
Add-ons
Rp 99.000/user/month
Support
Whatsapp, Chat, Email
Chat, Email
LITE
SGD
4 users included
Available on Spend Management Plan
SGD
Receive
IDR, USD, SGD
EUR, HKD and more coming soon
100 free BI-FAST/month
Transparent FX fees
Corporate cards
20 free per business
Invoice management
Unlimited
50/month
50/month
INTEGRATION
Add-ons
Rp 99.000/user/month
Price on application
Support
Whatsapp, Chat, Email
Chat, Email
PRO

FAQs

What services does Aspire offer?

Your Aspire account will cover your business financial needs by providing you access to multi-currency accounts, expenses, payables and receivables managment solutions.

With Aspire, there’s no need to manage multiple disconnected financial service providers. Scale faster with everything in one place.

Who is eligible to sign up?

We support businesses globally. Any registered business in Indonesia (with PT or CV) that falls within our Acceptable Use Policy can sign up

Is Aspire offering lifetime free subscription to non-profits & social enterprises?

That’s right! We are happy to offer free lifetime access to Aspire’s Business Account Pro and Spend plans to non-profit organizations and social enterprises across Southeast Asia. We hope to help these organizations spend less time managing their financials and more time achieving their mission and impact on their communities.

Simply use promo code SUBASPIREFORGOOD to avail this offer. For more information about this promotion, click here.

Does Aspire offer custom pricing for large businesses?

Yes! We offer custom pricing for eligible businesses. Get in touch with our team of experts to discover how Aspire can help your team scale.

Is Aspire licensed?

We take great pride into being carefully compliant under the regulations of the countries we operate in.

Aspire FT Pte. Ltd. is currently exempted from holding a licence to provide payment services in Singapore under the Payment Services Act (No. 2 of 2019) as set out by the Monetary Authority of Singapore (MAS). You can find the list of exempted entities here. Credit lines to businesses are issued by Aspire Financial Technologies Pte. Ltd, which is an excluded moneylender under the Moneylenders Act (Cap. 188).

FAQs

What services does Aspire offer?

Your Aspire account will cover your business financial needs by providing you access to multi-currency accounts, expenses, payables and receivables managment solutions.

With Aspire, there’s no need to manage multiple disconnected financial service providers. Scale faster with everything in one place.

Who is eligible to sign up?

We support businesses globally. Any registered business in Indonesia (with PT or CV) that falls within our Acceptable Use Policy can sign up

Is my money safe?

We work with PT Kharisma Catur Mandala, a licensed financial service provider regulated by Bank Indonesia that partners with banking institutions (such as Bank Mandiri, CIMB Niaga, and BCA) to serve Aspire customers.

Does Aspire offer custom pricing for large businesses?

Yes! We offer custom pricing for eligible businesses. Get in touch with our team of experts to discover how Aspire can help your team scale.

Is Aspire offering lifetime free subscription to non-profits & social enterprises?

That’s right! We are happy to offer free lifetime access to Aspire’s Business and Spend plans to non-profit organizations and social enterprises across Southeast Asia. We hope to help these organizations spend less time managing their financials and more time achieving their mission and impact on their communities.

Simply use promo code SUBASPIREFORGOOD to avail this offer. For more information about this promotion, click here.