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便利快捷的全球支付和国际转账,专为企业量身打造

使用本地支付账户进行全球支付,当天便可到账,精简供应商货款和员工工资的支付流程,并享受富有竞争力的汇率。
Scroll down to claim your $500 cashback* offer
在新加坡的一级银行保管的资金

助力贵公司在全球大展宏图

随时随地向任何人支付

100%在线提交,数小时内即可访问您的多币种账户详情,并免费进行本地转账

透明优惠的外汇汇率

享受领先市场的外汇汇率,最多可比银行便宜3倍。转账前就能知道转账成本

赚取返现,返现无限额。

在您的多币种公司卡支出的外汇收益之外,还可从特定商户获得 1% 的返现
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享受最优外汇汇率,无没有任何隐藏费用

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支持30多种货币,在130个国家/地区进行国际收付款。费用低廉,最多可比银行便宜3倍。
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享受低成本的SWIFT支付,8美元起步
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无隐藏费用,没有账户开立费和月管理费

试试我们的外汇计算器看看储蓄的差别

试试我们的外汇计算器,实时跟踪市场汇率,您就会明白用Aspire进行国际支付是多么便捷实惠、公开透明。您可查看许多国际货币的外汇转账费率。

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外汇汇率
1 SGD = loading...
交易费用

5.72 SGD

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*上述计算器显示我们的实时新元国际转账费率。实际外汇汇率可能根据实际情况调整。登录您的账户,查看最新、最准确的汇率。
合作伙伴
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国内转账免费,国际转账享受市场领先的转账费率

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开立本地美元、欧元、新元和印尼盾收款账户。
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支持主要货币的转账、持有和收款,和海外供应商和客户轻松交易。
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享受免费的本地收款汇款服务,减少外汇转换损耗。
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方便快捷的国际转账,当天便可到账。

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Aspire的应用支持30多种主要货币的外汇支付,本地转账安全快速,当天便可到账。
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可靠快捷的支付,保证您的合作伙伴能准时收到款项,改善现金流表现。
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减少错误——将交易记录同步至会计软件

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结帐速度快两倍,所有交易都与主要会计软件同步
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自动化记账流程,提升跟踪资金流向的准确度

进行全球转账,无需高昂手续费

超过15,000家现代企业选择我们

我们现在能高效及时地支付供应商货款,团队便有了宝贵的时间分析支出情况,完善支出需求。向多部门发公司卡十分容易,轻松管理跟踪部门成本。

肯尼斯·周

财务经理

平均节省:每年117小时和44,325美元

除了加快费用处理,对于有利于商业发展的费用,Aspire还能提供回扣,真的是锦上添花。

格雷戈里·范

首席执行官

平均节省:每年117小时和38,800美元

Aspire自动化工具系列革新费用管理方式Aspire自动化工具系列革新费用管理方式。现在,我们的现场工作团队可以轻松做出购买决策,而无需烦恼自行垫付费用的问题。

纪伯伦·胡扎法

联合创始人兼首席执行官

平均节省:每年1,155小时和198,565美元

Aspire让团队能够灵活处理购买决策问题,这是传统的银行解决方案根本实现不了的。

阿杰·布鲁苏

联合创始人

平均节省:每年600小时和70,000美元

无论面对什么样的情形,Aspire都为我们准备好所需要的各种工具和洞察。由于我们采用了新的费用管理方案,我们能够继续扩大规模,服务更大型的客户,承接更令人振奋的项目

阿姆里帕尔·辛格

联合创始人

每年平均节省:760小时和73,000美元

Understanding global payment and how it works

Global payment is the process of transferring money to a bank account that is set up in a foreign country. This payment could be made to your supplier, your vendor, an employee, a business affiliate or any other entity. Making global payments involved strenuous processes and numerous fees in the past, however, the process is easier and more cost-effective today.

Generally, a global payment provider is involved, who functions as an intermediary between the payer & the receiver from different nations. When a business uses its card to make a purchase, the provider receives the transaction details and relays them to the issuing bank which is located in a different country, thus requiring a process of conversion.

As a business, you may need global payments for...

Paying your suppliers, across the globe
At various stages of your business, you may wish to work with global suppliers, for higher quality, cost-effectiveness or at times simply for convenience. You may thus require a constant flow of payments internationally to pay the vendors in their accepted currency.
Paying your global workforce
As your business scales globally, you may require to hire a global workforce. These may be employees, freelancers or gig workers. When you decide to do so, you may require a global payments provider who can help you pay your employees in their local currency.
Paying for platforms, services & subscriptions
Almost every business today operates with world-class software & platforms that enhance their productivity. These usually charge businesses in their local currencies (USD in most cases) and businesses which are located in Singapore, may then require to make payments outside their native currency. This is when a multi-currency card or a multi-currency business account comes in handy.

3 ways a multi-currency account helps with global payments in Singapore

A multi-currency business account is very useful if your business sends or receives payments internationally, it enables you to send and receive payments hassle-free under one account.

1. Save on foreign exchange costs
Saving currency conversion costs is the chief benefit of a multi-currency account. A multi-currency account allows you to receive payment in foreign currency, hold it for as long as you want and convert it when the rate is favourable for you, thus, saving you on conversion costs that add up to a significant amount in the long run.

2. Efficient cash flow management
Businesses often hold international payments because the conversion rates are not in their favour thus becoming a roadblock for efficient cash flow management. With a multi-currency account, however, you can send or receive money anytime and convert it later.

3. Smooth International Transactions
With a multi-currency account, you can accept payments in your client or customer’s local currency and pay vendors in their preferred currencies. A multi-currency account allows you to create sub-accounts for different currencies. You can share the unique account number for each currency and send or receive payments easily which is very convenient.

Who offers global payments in Singapore?

Global payments are offered by various providers through business accounts. Read our article to know more about types of business accounts and how to choose the best one for your business. There are many banks and fintech companies offering business accounts to businesses in Singapore. We have covered them all in our blog, you can click the links to view accounts offered by various banks such as OCBC and Maybank.

However, if you are a start-up or a growing business, chances are you may not meet the eligibility criteria for most of these banks or find their charges to be expensive for your liking. You can consider opting for Aspire multi-currency account for global payments which offers you marketing-leading FX rates without any initial deposits or minimum balance requirements. Read our article on bank charges in Singapore for a quick and easy comparison.

How to open a global payments account in Singapore?

Global payments can be facilitated by opening an account offline at physical branches or by signing up for a digital account which is comparatively easier to create. To open a digital account, you need to:

1. Register online using your Email.
2. Provide business information such as name, number and address
3. Verify the information with a government-issued ID
4. Your account is live once verified

Eligibility criteria to open a multi-currency account in Singapore

Eligibility varies across providers, however, all businesses registered in Singapore are eligible for a multi-currency account. Foreign businesses can also open multi-currency accounts with providers that support their local currency. Business owners are required to submit government-issued identity proof and an initial deposit (if required) before opening a multi-currency account in Singapore.

Make sure you check the eligibility criteria and documents required on your service provider’s official website.

What details do you need to transfer money internationally?

Whichever mode you choose to transfer money, you’ll usually need the following details. Depending on which mode you choose, additional details (e.g. SWIFT code etc.) may be required.

1. Name of the recipient.
2. Name and address of recipient’s bank.
3. Six-digit sort code of the recipient’s account.
4. Eight-digit account number of the recipient’s account.
5. A payment reference (often your business name or customer number) to let the recipient know where the money came from.
6. Intended date of payment.

Charges involved with international payments

There are 2 main types of charges involved with international business payments.

Account-related charges: These are charges related to the business account itself. These include administrative charges, cheque-related charges, document-related charges and service-related charges.

Transaction-related charges: These charges are specific charges which are related to individual transactions. This may vary basis which transaction type you choose Wire transfers, FAST, Debit cards, Credit cards etc.

You can read about all these charges in detail in our blog articles - Bank charges in Singapore & The complete guide to transaction fees.

全球支付和国际转账的常见问题

什么是SWIFT转账?它是如何运作的?

SWIFT是环球银行金融电信协会(Society for Worldwide Interbank Financial Telecommunication)的缩写,代表着一个全球性的银行网络,这些银行相互合作,为客户提供国际银行转账服务。所有SWIFT转账都是通过付款人的银行进行,付款人银行被扣款,然后通过多个中间行周转,最终进入收款人账户。整个过程可能需要1到4个工作日。

什么是本地转账?它们是如何运作的?

本地转账使用金融机构网络,通过该网络,收款人可以使用当地银行获得付款。中介机构用于促进交易和清算银行转账支付,也称为汇款。在本地转账中,资金由收款人的当地银行以当地货币处理,并通过当地支付系统结算。您所需要的只是收款人的银行详细信息,包括他们的当地银行账户账号。虽然本地转账比 SWIFT 转账便宜,但处理时间更长。

国际电汇和本地银行转账有什么区别?

国际电汇和本地银行转账的主要区别在于,本地银行转账可以以相对较低的成本完成,而国际电汇通常更昂贵。然而,国际电汇比当地银行转账更可靠、更快捷。

全球支付和国际转账是如何运作的?

全球支付是将资金转移到在国外设立的银行账户的过程。这笔款项可以支付给您的供应商、您的销售商、员工、商业关联公司或任何其他实体。在过去,进行全球支付涉及繁琐的流程和高昂手续费,然而,今天这个过程变得更容易,更具性价比。一般来说,这会涉及到一个全球支付提供商,它作为来自不同国家的付款人和接收人之间的中介。当企业使用它的卡进行采购时,提供商接收交易详情并将其转发给位于不同国家的发卡银行,因此需要一个货币转换过程。

全球商业账户如何助力全球支付?

如果您的企业需要支付或接收跨境款项,全球商业账户非常有用,它使您能够在一个账户下轻松地支付和接收款项。

1.减少外汇损失使用多币种账户的主要好处就是能减少外汇转换损耗。多币种账户允许您接收外币付款,想持有多长时间就持有多长时间,并在汇率对您有利时将其兑换,从而节省兑换成本,从长远来看,兑换成本累积起来会很可观。

2高效现金流管理企业经常因为兑换汇率不佳而持有国际款项,这成为了有效现金流管理的障碍。然而,使用多币种账户,您可以随时汇款或收款,并在以后进行兑换。

3.顺畅丝滑的国际转账使用全球商业账户,您可以接收客户当地货币的款项,也可以以供应商首选的货币进行支付。全球商业账户可创建多个不同货币的子账户。您可以共享每种货币的唯一账号,轻松地发送或接收付款,非常方便。

新加坡有哪些公司为企业提供全球支付和国际转账服务?

通过商业账户进行全球支付的服务由多个服务商协力支持。请阅读文章商业账户类型,以及如何为企业选择最适合的账户类型,了解更多详情。新加坡有很多银行和金融科技公司为企业提供商业账户。我们的博客有关于这些银行和公司的介绍,点击链接查看星展银行 华侨银行, 马来亚银行等众多银行提供的账户种类。

如果您的企业是初创企业或者成长型企业,您可能不符合大多数这些银行的资格标准,或者觉得他们的收费对您来说太贵了。您可以考虑选择Aspire多币种账户进行全球支付,我们为您提供所有福利,资格标准不那么严格。请阅读我们关于新加坡银行收费的文章,以便快速简便地进行比较。

如何在新加坡开设一个全球支付账户?

全球支付可以通过在实体分行开设线下账户或注册一个相对容易创建的数字账户来实现。要开设数字帐户,您需要:

  1. 使用电子邮箱在线上注册
  2. 提供名字、电话和地址等企业信息
  3. 使用政府颁发的身份证明验证信息
  4. 验证通过后,您的账户就成功激活

国际电汇和本地银行转账有什么区别?

国际电汇和本地银行转账的主要区别在于,本地银行转账可以以相对较低的成本完成,而国际电汇通常更昂贵。然而,国际电汇比当地银行转账更可靠、更快捷。

在新加坡开设一个全球支付账户的资格标准是什么?

不同提供商的资格标准各不相同,然而,所有在新加坡注册的企业都有资格申请商业账户。外国企业也可以Aspire开立全球账户

在新加坡开设多币种账户之前,企业主必须提交政府颁发的身份证明和初始存款。

国际转账需要什么详细资料?

无论您选择哪种转账方式,您通常都需要提供以下详细资料。根据您选择的模式,可能还需要额外的详细资料(例如SWIFT代码等)。

  1. 收款人姓名。
  2. 收款人银行名称及地址。
  3. 收款人帐户的六位数排序代码。
  4. 收款人帐户的八位数账号。
  5. 汇款附言(通常是您的企业名称或客户号码),让收款人知道钱是从哪里来的。
  6. 预订付款日期。

国际商业支付的费用有哪些?

国际商业支付主要涉及两种类型的费用。

账户相关费用:这些是与商业账户本身相关的费用。这些费用包括管理费用、支票相关费用、文件相关费用和服务相关费用。

交易相关费用:这些费用是与单笔交易相关的特定费用。这可能会根据您选择的交易类型而有所不同,如电汇、FAST、借记卡、信用卡等。

您可以在我们的博客文章中详细了解所有这些收费——新加坡银行收费交易费用完全指南