The finance stack for global founders

Send and receive money seamlessly

Move money in seconds with real-time transfers, or same-day with ACH and wire — all with zero fees

Start spending immediately with instant virtual cards2

Powering business beyond borders

Open accounts in USD, EUR*, GBP*, HKD*, and CNY* at no cost

Safely send to 98+ major currencies including INR, SGD, PHP, EUR, GBP, and more with world-class FX rates

24/7 human support

International business hours — 24 hours a day, 7 days a week

Connect with human support around the clock

The finance stack for global growth

Earn 1.5% cashback^

Get 1.5% unlimited cashback on every card payment — automatically, with no points or confusing fine print

Give your team instant virtual cards with customizable permissions

Maintain control as you scale. Set limits and manage budgets easily — no overspending, no surprises

Try our FX calculator to see the difference in savings

Try our forex calculator for real-time, indicative rates and see how Aspire is a cheaper, faster, and more transparent way to send money abroad. You can check the forex transfer rates for numerous international currencies.

*The calculator is an indication of our real-time rates for SGD foreign transfers. Actual exchange rates may differ based on the use case. For the most updated and accurate rates please access them by logging in to your account.

Singapore Dollar
SGD
United States Dollar
USD
You send
SGD
United States Dollar
USD
Recipient gets
USD
Exchange rate
1 SGD = loading...
Our fee
5.72 SGD
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Know your spend, scale with confidence

Empower your team with seamless expense management. Submit expenses on the go, automate approvals, and simplify reconciliation

Save hours, eliminate errors, and gain better control without slowing down your team

Close your books 2x faster with accounting automations

Seamlessly integrate with your favorite accounting tools like QuickBooks and Xero

Save hundreds of hours and reconcile without errors with native integrations

Open Aspire account today

$0

No initial deposit needed to open an account with Aspire

Up to 4.02%

Earn yield with no minimums and next-business day access to your money

>100hours

Time saved per month by internal business and finance teams

**The return rates are based on 7-day performance as of Dec 2, 2025. Returns are not guaranteed and are projected based on how much your money could potentially grow over a year. Your capital may be at risk. Past performance is not an indicator of future performance.  Annual fees range from 0.15% to 0.50%, based on the value of your Treasury account holdings. Please see details in the Wrap Fee Brochure.
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Choosing the right business account

Choosing the right business account can be a daunting task, especially for new businesses. With so many options available, it’s essential to consider your business needs and goals before making a decision. Here are some factors to consider when choosing a business account:

Account opening process

Look for a straightforward, fully online application with minimal documentation for faster account setup.

Fees & Costs

Consider accounts with low or no monthly fees, no initial deposit, and no minimum balance requirements to reduce unnecessary expenses.

Transaction Charges

Check for transparent and reasonable transaction fees that align with your business needs.

Additional Services

Look for useful features like multi-currency support, expense management, and accounting software integration to streamline operations.

Register in minutes, from anywhere

Registration with Aspire takes minutes and follows 3 simple steps, all of which are completely online:
Add your business details
Fill in your director details
Upload business documentation
Get Started
No initial deposit, no minimum balance. Open your business account today.
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© 2025 AFT US LLC. All rights reserved. 
United States
  1. AFT US LLC, d/b/a Aspire, is a financial technology company, not a bank. The Deposit Account and banking services are provided by Column N.A., Member FDIC. FDIC deposit insurance covers the failure of an insured depository institution. Deposits in the Deposit Account are FDIC-insured through Column N.A., Member FDIC and Column's Sweep Program Network Banks. Certain conditions must be satisfied for pass-through FDIC insurance to apply.
  2. The AFT Secured Commercial Charge Card is issued by Column, N.A., Member FDIC, pursuant to a license from Mastercard. Approval is subject to eligibility. Payment of the account balance is due in full daily.
  3. Aspire Treasury is provided to you by AFT US Capital LLC, an SEC-registered investment adviser. Aspire Treasury seeks to earn net returns up to 4.02% annually on invested cash. Net yield numbers are as of Dec 2, 2025, and assumes invested balance greater than $2,000,000.

    Treasury accounts are advised by AFT US Capital LLC, an SEC-registered investment adviser, and are custodied by Atomic Brokerage LLC, a registered broker dealer and member FINRA / SIPC. By opening an Aspire Treasury account, you agree to the AFT US Capital LLC Advisory Agreement, Atomic Brokerage Account Agreement and Atomic Brokerage General Disclosures, and acknowledge receipt of the Atomic Brokerage CRS and the Atomic Privacy Policy. Treasury accounts are not FDIC insured. For additional information about advisory services provided by AFT US Capital LLC, please refer to its ADV Wrap Fee Brochure.

    The performance discussed herein is historic and reflects an investment for a limited period of time. It should not be assumed that future investors would experience returns, if any, comparable to those illustrated herein. Past performance is not indicative of future returns. Investment results will fluctuate. Returns are not guaranteed. All investments are subject to the risk of loss, including the loss of principal. No representation is being made that an investment account has, will, or is likely to achieve profits or losses equal to the profits or losses shown. Actual returns will vary greatly and depend on personal and market conditions. Before investing, consider your financial goals and the costs of using the program.

    Furthermore, the information set forth has been obtained from sources that the AFT US Capital LLC believes to be reliable; however, these sources cannot be guaranteed as to their accuracy or completeness. The information contained herein is not, and should not be construed as, an offer to sell or the solicitation of an offer to buy any securities. The information has been prepared solely for the purpose of determining your level of interest in Aspire Treasury and to provide general background information on its algorithmic investment program.

    This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms.

    Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results.

    Targeted returns (e.g., forward-looking statements of performance up to a stated return) reflects the returns that Aspire Treasury is seeking to achieve over a particular period of time. Projected returns reflect the AFT US Capital LLC’s performance estimate – i.e., the returns that the AFT US Capital LLC believes can be achieved using the advertised investment services. Target returns are presented to inform clients or potential clients about AFT US Capital LLC’s risk tolerances when managing the Aspire Treasury strategy and to provide information useful to a client or potential client when assessing how the AFT US Capital LLC’s strategy fits within the investor’s overall portfolio. Target returns are not guarantees or promises of future return.

    Aspire Treasury is not insured by the FDIC. Aspire Treasury is not a deposit or other obligations of Column N.A., and are not guaranteed by Column N.A.. Aspire Treasury products are subject to investment risks, including possible loss of the principal invested.

^1.5% cashback applies to all eligible spend made with the Corporate Card. Terms and conditions apply. See cashback policy here.

‍
*EUR, GBP, HKD, and CNY accounts are provided by AFT HK Limited ('Aspire HK'). AFT HK Limited is registered in Hong Kong (75317450-000) and licensed as a Money Service Operator by the Hong Kong Customs and Excise Department. Funds held in accounts provided by AFT HK Limited are not insured by the FDIC. The terms and conditions governing the multi-currency accounts and services can be found here.

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