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Business Account Features

ACCOUNTS
Multi currency accounts
Minimum balance
Fall below fee
Real-time notification alerts
PAYMENTS
Free FAST Transfers
Best FX Rates
PayNow
Multi-level payment approvals
Bulk & scheduled transfers
cards
Multi-currency cards
Unlimited virtual cards & 1 physical card per user*
Unlimited 1% cashback on card spend
On digital marketing & subscriptions
Google Pay & Apple Pay
ReceivableS
Create and Send Invoices
Automated payment reminders
Automated payment tracking & reconcilation
Payment Links
integrations
Xero
Quickbooks
Custom CSV Exports
Access & ADD ONS
Admin or Finance users
Additional Admin or Finance
Additional cards
Receivable management
digital banking singapore
60 days free trial.
Free for startups incorporated in the last 12 months.
S$12/mo
Start Free Trial
Account Pricing and
SGD, USD, IDR account details
None
None
Expense
Unlimited
Up to 3x cheaper than banks
Payables mangement
Receivable management
Coming Soon
Receivable management
Payables mangement
3 included
S$5/user/month
S$15 per physical card
Traditional
Banks
Up to
S$18/mo
Account Pricing and
Up to S$10 / month
S$10,000
Up to S$40
Up to S$12.50 / user / month
Expense
Up to 50
Up to 2% markup
plus S$20 fee
Payables
Most Don't
Receivable managmen
Most Don't
Most Don't
Most Don't
Most Don't
Receivable managmen
Most Don't
Payables
Manually added
S$5/user/month
S$5 per physical card
Fintech
Platforms
Up to
S$139/mo
Account Pricing and
Additional fees may apply
Generally none
Generally none
Generally included
Expense
Some don’t
Up to 0.6% markup
plus S$35 fee
Most Don't
Most Don't
Some Don't
Payables management
Some Don't
Many Don't
Most Don't
Receivable management
Receivable management
Most Don't
Payables management
Varies
S$5/user/month
Up to S$5/month
*Terms and conditions apply. Up to 100 in-app, additional upon request
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Spend Features

SPEND
STARTER
Starting from
S$99/mo
billed annually, or S$119/mo
ACCESS
Admin & Finance users
Employee users
Multi currency
Budgets
Multiple entity management
PAYABLES
Invoices/month
Automated bill submission
With enhanced optical character recognition (OCR)
Bulk bills upload coming soon
Bill approval flows
Bulk & scheduled payments
Interest free credit limits on bills
Subject to approval
EXPENSES
Multi-currency corporate cards
Unlimited virtual cards & 1 physical card per user*
Unlimited 1% cashback on card spend
On digital marketing & subscriptions
Interest free credit on cards
Subject to approval
Unlimited claims
Claim approval flows
INTEGRATIONS
Xero
Quickbooks
Netsuite
Custom CSV Exports
Support
Priority Support
Onboarding
Dedicated account manager
Add-ons
Admin or Finance users
Employee users
Physical Cards
Receivable management
SPEND
STARTER
Starting from
S$99/mo
billed annually, or S$119/mo
Account Pricing and
5
20
SGD, USD, IDR
Unlimited
Expense
100
Single-level
Payables mangement
Single-level
Receivable management
Receivable management
Chat, Email
Initial onboarding
Receivable management
$29  per user per month
$5  per user per month
$15  per card
SPEND
PRO
Starting from
S$199/mo
billed annually, or S$249/mo
Account Pricing and
10
50
SGD, USD, IDR
Unlimited
Expense
500
Multi-level
Single currency
Payables
Single currency
Multi-level
Receivable managmen
Receivable managmen
Chat, Email, Phone
60 day dedicated onboarding
Receivable managmen
$29  per user per month
$5  per user per month
$15  per card
SPEND
CUSTOM
Custom
Pricing
get discounts with annual billing
Account Pricing and
Custom
Custom
SGD, USD, IDR
Unlimited
Expense
Custom
Multi-level
Multiple currencies
Payables management
Multiple currencies
Multi-level
Receivable management
Receivable management
Chat, Email, Phone
60 day dedicated onboarding plus tailored employee training sessions
Receivable management
Custom
Custom
$15  per card
*Terms and conditions apply. Up to 100 in-app, additional upon request
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Transaction Fees

SGD Account
SEND
FAST/MEPS/ACT/GIRO/Local TT/PayNow
SWIFT with currency conversion
RECEIVE
FAST
Recurring / Scheduled Transfers
Outbound with currency conversion
powered by Wise
USD Account
RECEIVE
ACH & ABA/Fedwire Transfers in USD
SWIFT in USD
SWIFT with currency conversion
SEND
ACH in USD
SWIFT with currency conversion
Corporate Cards
Card FX
Cashback
digital banking singapore
SEND
Free
Best rates with zero fees
up to 3x cheaper than banks
receive
Free
Free
Mid-market rates,
low transparent fee
digital banking singapore
receive
Free
USD 8
Best rates with USD 8 fees
up to 3x cheaper than banks
send
Free
Best rates with USD 8 fees
up to 3x cheaper than banks
digital banking singapore
Best rates with zero fees
up to 3x cheaper than banks
1%
Traditional Banks
send
SGD 0.5
Avg 1.64% markup +
SGD10 fee
receive
SGD 0.5
Up to SGD 10
Avg 0.47% markup +
SGD 30 fee
Traditional Banks
receive
SGD 10
SGD 10
Avg 1.14% markup +
SGD 10 fee
send
From SGD 30
Avg 0.47% markup +
SGD 30 fee
Traditional Banks
Up to 3.25%
Most don’t
Fintech Platforms
send
SGD 0.5
Up to 1.5% markup
receive
SGD 0.5
SGD 0.5
Avg 0.46% markup +
variable fees
Fintech Platforms
receive
From SGD 4.14
Up to SGD 20
Avg 0.45% markup
send
From SGD 7.76
Avg 0.45% markup +
Variable fees
Fintech Platforms
Up to 2.62%
Most don’t

Unleash the power of the All-in-one Finance OS

With simple and transparent pricing for companies of all sizes
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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
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Multi-currency corporate cards, physical and virtual
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1% Cashback on card spend on digital marketing and subscriptions
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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
BUSINESS ACCOUNT
A powerful financial stack of international payments, cards, receivables, and bookkeeping all in one account
Ideal for companies with 0-20 employees
FREE for new businesses
Starting from
S$12/mo
60 days free trial
Start Free Trial
Operate your business with
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Multi-currency accounts in SGD, IDR, and USD, with 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
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Save more than $5000 per year with unlimited 1% Cashback on digital marketing & subscriptions
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Create & send receivable invoices, with automated payment tracking
check icon
Integrated with Xero & Quickbooks
SPEND MANAGEMENT
Gain real-time visibility and control with intuitive spend management integrated with global payments
Ideal for companies with 20-200 employees
FREE for new businesses
Starting from
S$99/mo
billed annually, or S$119/mo
Manage company spend with
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Deploy budgets across teams or projects, create controls via spend limits and gain real time visibility
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Instantly issue corporate cards for employees with multiple currencies, controls, and cashback
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Manage out of pocket claims with spend policies and one-click reimbursements
check icon
Automated your payables process with OCR, approval flows, and integrated payments
check icon
Boost cashflow with interest-free credit limits on advanced cards and transfers, subject to approval
check icon
Advanced accounting automation and bookkeeping integrations with Xero & Quickbooks
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
check icon
Bulk bill uploads with mass payments support
check icon
Online onboarding with employee training and 60-day personalised support
CUSTOM
Advanced solutions designed for expanding regional companies with multiple entities
Ideal for companies with more than 200 employees
FREE for new businesses
Custom
Pricing
get discounts with annual billing
Customised solutions including
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Native Netsuite integrations
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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
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
Above prices are exclusive of prevailing taxes, applicable for Singapore incorporated businesses only.
Keen to register a company in Singapore?
100% online, incorporate a Singapore business from anywhere in the world.
Starting from only S$600.
View business account

All-in-one and more

users icon
Advanced User
Permissions
integration icon
Advanced
Accounting Integrations
support icon
Priority
Support
reward icon
$50k +
Rewards
dollar icon
Cashback on Digital
Marketing & SaaS
fees icon
Lowest FX fees

Simple transaction pricing

No surprises with clear and upfront market-leading transaction prices and rates.
SGD BASE CURRENCY
RECEIVE
FAST/MEPS/ACT/GIRO/Local TT/PayNow
Send
Transfers, with currency conversion to 30+ currencies
USD BASE CURRENCY
RECEIVE
SWIFT with currency conversion
SEND
SWIFT, with currency conversion to 30+ currencies
IDR BASE CURRENCY
SEND
BI FAST
SKN/LLG
SWIFT
Corporate Cards
Cashback
SGD
RECEIVE
Free
SEND
Mid-market rates,
low transparent fee
SGD
Receive
Best rates with USD 8 fee
up to 3x cheaper than banks
send
Best rates with USD 8 fee
up to 3x cheaper than banks
2023 PROMOTION
100 free local IDR transfers / month
send
Rp 4.000
Rp 4.000
Coming soon
sgd
1%
on qualified spend
Transact in large volumes?

Trusted by 10,000+ modern businesses

View all Testimonials
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Who save on average 117 hours and $38,800 a year
Calculate how much your company would save

Best in market

Get full details on Aspire features and transaction pricing.
See how Aspire compares with traditional banks or fintechs platforms.
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Features
See the difference of Aspire’s all-in-one solution that helps you scale
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Pricing
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Want to learn more?

Our team of experts can help you scale and grow your business globally. Get in touch to find out how Aspire works for businesses of all sizes.

Frequently asked questions about Aspire Pricing

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 management solutions.With Aspire, there’s no need to manage a bunch of disconnected financial service providers. Scale faster with everything in one place.

What types of businesses are eligible to sign up?

Any business incorporated in Singapore that falls within our Acceptable Use Policy can sign up.

Businesses that are incorporated outside of Singapore may sign up with access to selected features with custom pricing. Contact us to learn more.

If you do not have a registered business in Singapore yet, you can incorporate easily with Aspire Kickstart. With Aspire Kickstart, you can get a fully functional Singapore business in days, together with an Aspire account. Click here to learn more.

What is free for startups for Business Account ?

As part of our mission to empower entrepreneurship, companies get to enjoy Aspire free for the 1st year of their incorporation - it’s that simple. This benefit includes access to the Business Account plan, along with all of its features. After 1 year from your company’s incorporation date, the monthly pricing of the Standard plan will come into effect. Click here for more info. Optional add on charges still apply.

How does the free trial for Business Account work?

Enjoy your first 60 days of Aspire for free when you sign up for our Business Account plan. This benefit includes access to the Business Account plan, along with all of its features. After 60 days from your sign up verification date, the monthly pricing will come into effect. Optional add-on charges still apply.

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.

How does billing work?

Billing for your Standard plan is extremely simple. You will be billed on a monthly basis and your fees will be deducted directly from your account balance during the first week of the following month. Pay only based on your usage, with no hidden fees or credit cards required.For customers on Spend Starter, Spend Pro or Custom plans, you have the option be billed annually or monthly. Get in touch with our team of experts for more information.

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).Your funds are kept strictly segregated in a trust account and safeguarded with a leading partner Tier 1 bank in Singapore.

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.

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Experience the future of business finance, today

Save time and money with the all-in-one account.
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.

Account for all payables

Talk about audit ready - all bill details, including unpaid bills and attachments, are synced with your accounting software.
Learn More
Business Account
Send, receive and hold funds with local and international multi-currency accounts and cards. Enjoy market-leading rates on international transfers, and earn cashback on card spend.

Get started in minutes

Get multi-currency account details and virtual cards in seconds upon approval.

Save on FX, earn cashback

Enjoy free local transfers and international transfers at market-leading rates, up to 3x cheaper than banks. Earn 1% cashback on digital marketing and SaaS card spend.

Get paid faster with Invoices

Create and send invoices effortlessly, with auto-reconcliation. Collect revenues and manage payments all in one account.
Learn More
Expense Management
Gain real-time visibility and control on employee spend. Keep team expenses within budget with employee cards and claims.
space

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.

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.
Learn More
Aspire Close icon of pricing full feature

Compare plans

SPEND
STARTER
Starting from
S$99/mo
billed annually, or S$119/mo
ACCESS
Admin & Finance users
Employee users
pAYMENTS
Multi-currency account details
Local and international transfers
Free local transfers, FX up to 3x cheaper than banks
Multi-currency cards
Unlimited virtual cards* & 1 physical card per user
Unlimited 1% cashback on card spend
On digital marketing & subscriptions
Bulk transfers
Create & send receivables invoices
Payment links   Coming Soon
spend management
BUDGETS
Budgets
Enforceable budgets to control spend
CARDS
Employee cards
Issue cards with spend limits & merchant locks
Interest free credit on cards
Subject to approval
CLAIMS
Approve and disburse claims
Claim approval flows
BILL PAYMENTS
Automated bill submission
With enhanced optical character recognition (OCR)
Bulk bills upload   Coming Soon
Bill approval flows
Scheduled bill payments
Interest free credit limits on bills
Subject to approval
INTEGRATIONS
Xero
Direct bank feed, expenses & bills sync
Quickbooks
Direct bank feed sync
Netsuite
Direct bank feed, expenses & bills sync
Custom CSV Exports
Custom export formats for
Zoho, Freshbooks, Sage, Deskera and more
Add-ons
Admin or Finance users
Employee users
Physical Cards
International accounts
Support
Priority Support
Dedicated account manager
Receivable management
BUSINESS
ACCOUNT
Starting from
S$12/mo
billed annually, or S$119/mo
Account Pricing and
3
Not available on plan
Expense
SGD, IDR, USD
50 free bulk transfers/mo thereafter $0.50/transfer
Payables mangement
BUDGETS
Up to 2
CARDS
CLAIMS
5/mo
BILL PAYMENTS
5/mo
Receivable management
Receivable management
$5  per user per month
Not available on plan
Price on application
On request
Receivable management
Chat, Email
SPEND
MANAGEMENT
Starting from
S$99/mo
billed annually, or S$119/mo
Account Pricing and
3
7
Expense
Available as add-on
Unlimited
Payables
BUDGETS
Unlimited
CARDS
CLAIMS
BILL PAYMENTS
Unlimited
Receivable managmen
Receivable managmen
$29  per user per month
$5  per user per month
Price on application
On request
Receivable managmen
Chat, Email, Phone
CUSTOM
Custom
Custom
Pricing
get discounts with annual billing
Account Pricing and
Custom
Custom
Expense
Available as add-on
Unlimited
Payables management
BUDGETS
Unlimited
CARDS
CLAIMS
BILL PAYMENTS
Unlimited
Receivable management
Receivable management
Custom
Custom
Price on application
On request
Receivable management
Chat, Email, Phone
*Terms and conditions apply. Up to 100 in-app, additional upon request