Aspire: price, catch and who it suits

All-in-one finance stack for global businesses: multi-currency accounts (30+ currencies), corporate cards with 1.2% cashback, expense management, bill pay, payments and payroll — with AI fraud detection and multi-admin approval workflows.

The Weekly AI Edge follows the AI and business tools worth a closer look. This page summarises our research on Aspire, read from the vendor’s own pages and from what other buyers report. It is not a hands-on test.

What it costs

Premium S$15 a month (SGD); the Basic account is S$0, plus FX and transfer fees. Read on Aspire’s own pricing page on 2026-10-09; check the live page before you buy.

It's a fintech account (strongest in Southeast Asia), not a full bank: great for keeping fixed costs near zero on mostly-domestic activity, but confirm it supports your country and currencies before you build your finances around it.

Who it suits

Startups and SMBs that want an all-in-one business account with $0 monthly fees and built-in spend management.

Who should skip it

Skip it if you need a traditional bank relationship, lending, or coverage in a region Aspire doesn't serve: check availability first.

Getting started

You sign up with a work email, verify by OTP, then pick your country of incorporation, industry, entity type and source of funds. You upload company documents through the app or web dashboard: an ACRA business profile for Singapore companies (Certificate of Incorporation plus Business Registration Certificate for Hong Kong ones), director ID or passport, proof of address, and a director facial verification. First login runs on OTP codes sent to both your email and phone, plus the ID number and birth date from registration.