Aspire

Aspire Singapore provides comprehensive digital business banking for modern enterprises with multi-currency accounts, corporate cards, and international payments. While offering competitive rates and strong security, mixed customer service reviews and Singapore-only incorporation requirements may limit its appeal for some businesses seeking reliable financial solutions.

Global ★ 3.4/5 Security: B
★ 3.4 Rating
50,000+ Downloads
0.22% - 0.4% Pricing
B Security

Overview

Aspire is Singapore’s comprehensive digital business banking platform designed for modern enterprises. The platform serves as “The Financial OS For Modern Businesses” – a unified intelligent solution designed to manage global business operations and scale company spend in one account.

The platform caters to businesses of all sizes, from startups to large corporations, offering multi-currency accounts, corporate cards, expense management, and international payment solutions. Aspire is regulated under Singapore’s Payment Services Act 2019 by the Monetary Authority of Singapore (MAS), making it a legitimate financial technology provider for Singapore-incorporated businesses.

Key Features

Multi-Currency Business Accounts

Support for SGD, USD, EUR, and GBP

Corporate Cards

Unlimited virtual and physical cards with real-time controls

International Payments

Global transfers with competitive FX rates

Expense Management

Automated expense tracking and reporting

Accounting Integration

Seamless sync with Xero and other accounting software

Yield Products

Earn returns on idle funds with flexible access

Pros & Cons

Advantages

  • No monthly account fees or minimum balance
  • Competitive FX rates (0.22% for SGD transfers)
  • Real-time expense tracking and controls
  • Free account setup with fast onboarding
  • Integration with popular accounting software

Limitations

  • Limited to Singapore-incorporated businesses
  • Mixed customer service reviews
  • International transfer delays reported
  • No cash/cheque deposit facilities
  • Higher fees for non-Singapore entities

Security Features

Regulatory Compliance

Fund Protection

Data Encryption

Multi-factor authentication

Real-time Monitoring

Pricing & Fees

ServiceFeeDetails
Account OpeningFree No setup fees or minimum deposit
Monthly MaintenanceFree No monthly account fees
ATM Withdrawals (Overseas)$5 per withdrawal Plus bank processing fees
Additional UsersProrated monthly fee After free tier limits

Getting Started

1. Online Registration
Visit aspireapp.com and complete the digital application with your business details and incorporation documents.
2. Document Verification
Upload required business registration documents, director identification, and business proof for compliance review.

3. Account Approval
Account opening can be as fast as 1 day, with dedicated onboarding manager support during the process.


4. Platform Setup
Access your dashboard, set up multi-currency accounts, and configure user permissions for your team.


5. Card Issuance
Request physical and virtual corporate cards with customized spending limits and merchant restrictions.


6. Integration Setup
Connect your accounting software and begin using expense management and payment features immediately.

Detailed Ratings

Business Banking
8.1/10
International Payments
7.1/10
User Interface
8.0/10
Customer Support
6.0/10
Security and Compliance
9.0/10

Final Verdict

Aspire offers a comprehensive digital banking solution ideal for Singapore businesses seeking modern financial management tools. While customer service experiences vary, the platform’s competitive pricing, regulatory compliance, and feature-rich environment make it suitable for growth-oriented companies.