Aspire is not a bank, but a Payment Services Institution headquartered in Singapore. As a Payment Services Institution, Aspire is able to provide an all-in-one finance operating system for businesses. Aspire cannot utilise customer deposits for any lending or investment purposes.
What accounting software does Aspire integrate with?
Aspire offers direct integration with most popular accounting software including Netsuite, SAP, Xero, Quickbooks and more.
Sync all transaction details, attachments, and map Aspire categories to your chart of accounts for even faster closing.
Can I restrict spending and mandate approvals?
Of course! Our Spend Management solution comes with the ability to create multi-layer approval flows. You can customise approvals based on transaction amount or spend category so you know team expenses are always kept in control.
What type of user roles and permissions are there?
You’re able to add Admin, Finance or Employee users to your account. With these user roles, you’re able to control user payment permissions, whether they can view account balance etc. More information can be found here. P.S. Custom User Roles feature is coming soon!
Who is eligible to sign up?
We support businesses globally. Any business that falls within our Acceptable Use Policy can sign up.
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.
How does billing work?
For customers on Spend Management or Custom plans, you have the option to be billing 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.
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
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
Custom export formats for Zoho, Freshbooks, Sage, Deskera and more
Netsuite
Direct bank feed, expenses sync with attachments
Add-ons
Admin or Finance
Employee
Physical Cards
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 $5/user/mo
SGD
Budget
Unlimited
Cards
Unlimited
1 free per user
CLAIMS
Unlimited
INTEGRATION
Talk to sales
Add-ons
$9/user/mo
$5/user/mo
Price on application
Talk to sales
Support
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.
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
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
Business Account
Get started in minutes
Apply 100% online from wherever you are. Get access to your multi-currency account and free local transfers in hours
Transparent and low cost FX
Enjoy savings on international payments with transparent rates, 0 fees. Always know your costs before making transfers
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
Unlimited free local transfers via FAST, GIRO & PayNow (fully integrated sending & receiving)
International transfers Up to 3x cheaper than banks
Advanced payment capabilities Bulk, scheduled, payroll, CPF and maker-checker payments
Payment links
Multi-level payment approvals
Corporate cards
Multi-currency virtual cards
Physical cards
Spend limits & merchant locks
Auto receipt reminders
Unlimited 1% cashback on card spend On digital marketing & subscriptions
Invoice management
Budgets
Receivables management
Payables management
INTEGRATION
Xero
Direct hourly account statement sync
Quickbooks
Direct account statement sync
Custom CSV Exports
Custom export formats for Zoho, Freshbooks, Sage, Deskera and more
Apple Pay
Google Pay
Add-ons
Admin or Finance
Physical Cards
Support
Priority support
Priority support
SGD
2 users included
Available on Spend Management Module
SGD
Receive
SGD, USD, IDR EUR, HKD and more coming soon
Free local transfers via FAST, PayNow, GIRO
Sending and receiving
Up to 3x cheaper than banks
Corporate cards
1 virtual card per user
Invoice management
Up to 2
3/month
3/month
Receive
Add-ons
$9/user/month
Support
Chat, Email
Chat, Email
LITE
SGD
4 users included
Available on Spend Management Module
SGD
Receive
SGD, USD, IDR EUR, HKD and more coming soon
Free local transfers via FAST, PayNow, GIRO
Sending and receiving
Up to 3x cheaper than banks
Corporate cards
Unlimited*
1 free card/user
Invoice management
Unlimited
50/month
50/month
Receive
Including invoice sync
Add-ons
$9/user/month
$15 per card
Support
Chat, Email
Chat, Email
PRO
User
Admin or Finance
Employee
Features
Transfers
Multi-currency accounts
Local transfers
PayNow
International transfers
Payroll & CPF
Bulk and scheduled transfers
Payment links
Multi-level payment approvals
Corporate cards
Multi-currency virtual cards
Physical cards
Spend limits & merchant locks
Auto receipt reminders
Unlimited 1% cashback on card spend On digital marketing & subscriptions
Invoice management
Budgets
Receivables management
Payables management
INTEGRATION
Xero
Direct account statement sync
Quickbooks
Direct account statement sync
Custom CSV Exports
Custom export formats for Zoho, Freshbooks, Sage, Deskera and more
Apple Pay
Google Pay
Add-ons
Admin or Finance
Physical Cards
Support
Priority support
Priority support
SGD
2 users included
Available on Spend Management Module
SGD
Receive
SGD, USD, IDR EUR, HKD and more coming soon
Free local transfers via FAST, PayNow, GIRO
Sending and receiving
Up to 3x cheaper than banks
Corporate cards
1 virtual card per user
Invoice management
Up to 2
3/month
3/month
Receive
Add-ons
$9/user/month
Support
Chat, Email
Chat, Email
LITE
SGD
4 users included
Available on Spend Management Module
SGD
Receive
SGD, USD, IDR EUR, HKD and more coming soon
Free local transfers via FAST, PayNow, GIRO
Sending and receiving
Up to 3x cheaper than banks
Corporate cards
Unlimited*
1 free card/user
Invoice management
Unlimited
50/month
50/month
Receive
Add-ons
$9/user/month
$15 per card
Support
Chat, Email
Chat, Email
PRO
User
Admin or Finance
Employee
Features
Transfers
Multi-currency accounts
Local transfers
International transfers
Unlimited 1% cashback on card spend On digital marketing & subscriptions
Bulk and scheduled transfers
Payment links
Multi-level payment approvals
Corporate cards
Multi-currency virtual cards
Physical cards
Multi-currency virtual cards
Invoice management
Budgets
Receivables management
Payables management
INTEGRATION
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
Physical Cards
Support
Priority support
Priority support
SGD
3 users included
Available on Spend Management Module
SGD
Receive
SGD, USD, IDR EUR, HKD and more coming soon
Free local transfers via FAST, PayNow, GIRO
Up to 3x cheaper than banks
Corporate cards
1 virtual card per user
Invoice management
Up to 2
3/month
3/month
Receive
Add-ons
$9/user/month
Support
Chat, Email
Chat, Email
LITE
SGD
4 users included
Available on Spend Management Module
SGD
Receive
SGD, USD, IDR EUR, HKD and more coming soon
Free local transfers via FAST, PayNow, GIRO
Up to 3x cheaper than banks
Corporate cards
Unlimited*
1 free card/user
Invoice management
Unlimited
50/month
50/month
Receive
Add-ons
$9/user/month
$15 per card
Support
Chat, Email
Chat, Email
PRO
User
Admin or Finance
Employee
Features
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
INTEGRATION
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
Physical Cards
International accounts
Support
Priority support
Priority support
SGD
3 users included
Available on Spend Management Module
SGD
Receive
SGD, IDR, USD
INTEGRATION
Add-ons
$5/user/mo
Price on application
Price on application
Support
Chat, Email
Chat, Email
*Up to 50 virtual cards in-app, additional upon request
More than a business account
Everything you need to scale your business globally from day one. International accounts, payments, cards and invoices - all in one account
All prices are exclusive of prevailing taxes, for Singapore-incorporated businesses. Singapore-incorporated businesses are eligible for 1 day account opening, subject to approval by Aspire. Please contact us if you are an international business.
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 business that falls within our Acceptable Use Policy can sign up.
What is free for startups for Business Account?
As part of our mission to empower entrepreneurship, companies get to enjoy the Aspire free for the 1st year of their incorporation - it’s that simple. This benefit includes access to Business Account plan, along with all of its features. After 1 year from your company’s incorporation date, the monthly pricing will come into effect. 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 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.
How does billing work?
Billing for your Business Account plan is extremely simple. You will be 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.
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.
Best rates with zero fees up to 3x cheaper than banks
Expense
Free
Free
Mid-market rates, low transparent fee
USD Base currency
Payables mangement
Free
USD 8
Best rates with USD 8 fee up to 3x cheaper than banks
Receivable management
Free
Best rates with USD 15+ fee up to 3x cheaper than banks
USD Base currency
Receivable management
Coming soon
Rp 4.000
Rp 4.000
Coming Soon
Coming Soon
USD Base currency
Best rates with zero fees up to 3x cheaper than banks
1% on qualified spend
Traditional Banks
Account Pricing and
SGD 0.5
Avg 1.64% markup + SGD10 fee
Expense
SGD 0.5
Up to SGD 10
Avg 0.47% markup + SGD 30 fee
USD Base currency
Payables
SGD 10
SGD10
Avg 1.14% markup + SGD 10 fee
Receivable managmen
From SGD 30
Avg 0.47% markup + SGD 30 fee
USD Base currency
Receivable managmen
-
-
-
-
-
USD Base currency
Up to 3.25%
Most don’t
Fintech Platforms
Account Pricing and
SGD 0.5
Up to 1.5% markup
Expense
SGD 0.5
SGD 0.5
Avg 0.46% markup + variable fees
USD Base currency
Payables management
From SGD 4.14
Up to SGD 20
Avg 0.45% markup
Receivable management
From SGD 7.76
Avg 0.45% markup + Variable fees
USD Base currency
Receivable management
-
-
-
-
-
USD Base currency
Up to 2.62%
Most don’t
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
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
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