Incorporate your business

Aspire vs. Brex key differences

Here’s a side-by-side comparison of Aspire and Brex to highlight key differences and help you choose the best business account for your needs.

$0
Account opening cost
$0
$0, all features included
Monthly fees
From $0 for basic features, to USD $12++/user/month for advanced features
For all customers
Support for non-US entities
Only for customers on paid plans
USD + 12 currencies* (EUR, GBP, HKD, CNY, AUD, CAD, CHF, JPY, NOK, NZD, SEK, and SGD)*
Multi-currency accounts
USD only
USD, HKD and CNY
Local account details
USD only
Up to $100M1
FDIC insurance (via partner banks)
Up to $6M
Real-time transfers, ACH, domestic wire,
checks (coming soon)
Domestic transfers
ACH, domestic wire, checks
98+ currencies including INR,
SGD, PHP, EUR, GBP and more
International payments
40+ currencies
From 0.22% above mid-market
FX rates
Up to 3% markup
Instantly issue charge cards
Built-in real-time spend control
Unlimited 1.5% cashback on all spends^
Rewards
Points redeemable at selected merchants
Up to 3.79%3
Net yield
Up to 3.74%
From 0.15%, waived for deposits
over USD $500,0003
Annual fees
0 to 0.35% depending on balance
No
Minimum balance requirement
No
Next-business day
Liquidity
Same-hour
Phone, Chat, Email
Customer support
Phone, Chat, Email, WhatsApp
24/7
English support
24/7
Mandarin and Cantonese:
9am - 5pm HKT daily
Other languages support
No
Accounting integrations
Source used: Brex Pricing
Comparison as of Feb 2026
*Returns are taken from company websites on their respective landing pages and are accurate as of 3rd Sep 2025. Aspire does not take responsibility for any inaccuracy in the comparison table. Providers may update their returns from time to time, and the figures we extracted in the past do not predict future fees and performance.
^The return rates are based on 7-day performance as of 3rd Sep 2025. They do not guarantee future growth. 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. View the funds’ historical performance for SGD and USD.
Live chat, email, phone
Customer support channels
Live chat, phone
English: 24/7
Other languages: Mon-Fri, 9am-6pm SGT
Customer support availability
Chat: 24/7
Phone: Mon-Fri, 8am-8pm SGT, excluding public holidays
Accounting integration
API integration

3 reasons why business choose Aspire over Brex

With 13 multi-currency accounts*, international payments, and high-yield3 treasury in one platform, Aspire is built for global founders scaling beyond borders.

One account, no hidden costs

Access banking, cards, multi-currency accounts, treasury, and automation in one platform — no add-ons, no surprises..

Send global payments everywhere

Pay vendors and teams in 98+ currencies with built-in international transfers and competitive FX rates — no third-party tools.

High-yield returns on idle cash

Earn leading yield on idle USD with no minimums, while keeping your cash fully accessible for daily expenses.

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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 3.73% annually on invested cash. Net yield numbers are as of Feb 2, 2026, and assumes invested balance greater than $500,000.

    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.
  4. Accounting and tax services are provided by KMK Ventures and not related to Column N.A.

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

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*EUR, GBP, CNY, HKD, AUD, CAD, CHF, JPY, NOK, NZD, SEK, and SGD 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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