Singapore
United Arab Emirates
Indonesia
Australia
activeFeaturedBusiness banking
- HQ
- Singapore
- Fee
- Account often free
Aspire
Southeast Asian business account, cards, and bill pay.
Rate this app
7.7Solid
AlternativesOur take
Desk verdict
Put Aspire on Singapore and UAE country pages. Do not call it a bank.
Aspire is a Singapore business-account platform: local details, Visa cards, bills. Partner banks hold funds. It competes with Airwallex in SEA and with traditional SME current accounts on UX.
Aspire lists Payments with partner banks under MAS / partners in Singapore / SEA. On safeguarding we currently write: Partner-bank / safeguarding — not SDIC retail deposits. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 4 live markets on the product. As we score the sticker: monthly Free starter · paid growth plans; FX Competitive on SEA corridors; ATM Card ATM fees. This desk would open it for: Singapore and SEA companies that need cards and payables, not a US start-up stack.
What it does well: SEA-native; Cards + bills; UAE useful for founders. What to watch: Not a MAS digital bank; US wire stack is Mercury-grade only by coincidence. Desk score 7.7 / 10 (safety 7.2, fees 8.2, features 8.2, app 8.2). Last verified 2026-08-01. Headquartered in Singapore, Singapore; founded 2018. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: Singapore and SEA companies that need cards and payables, not a US start-up stack.
Pros
- +SEA-native
- +Cards + bills
- +UAE useful for founders
Cons
- −Not a MAS digital bank
- −US wire stack is Mercury-grade only by coincidence
Account facts
- Platforms
- Web · iOS · Android
- Account types
- Business accounts · cards
- Minimum balance
- $0
- Lowest monthly fee
- Free core · paid plans
- Who can open
- SEA / HK / India companies (KYB)
- Availability
- Singapore, HK, Indonesia, India and more
How it actually works
- Custody
- Bank balance
- Local rails
- In-app ledger
- Built for
- Business · Freelancer
- Settlement
- App-ledger instant; bank rails per corridor
- Review risk
- Fintech reviews can pause inbound while they check a transfer
- Pay surface
- visa · physical · virtual · Apple Pay · Google Pay
Safety
Partner-bank / safeguarding — not SDIC retail deposits
- MAS / partnersPayments with partner banks · Singapore / SEA
Fees
- Monthly
- Free starter · paid growth plans
- FX markup
- Competitive on SEA corridors
- ATM
- Card ATM fees
Features
- –IBAN
- ✓Fee-free core
- ✓Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- SGD / multi-currency accounts
- Corporate cards
- Invoice and bill pay
- Accounting integrations
- UAE and Indonesia expansion
Score
- Safety25%
- 7.2
- Fees20%
- 8.2
- Features15%
- 8.2
- App15%
- 8.2
- Global15%
- 7.0
- Support10%
- 7.4
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
FAQ
Is Aspire a bank?+–
Aspire is not a licensed deposit-taker in the classic sense. Treat the balance as a fintech ledger until you confirm the holder.
How is money protected?+–
Partner-bank / safeguarding — not SDIC retail deposits
Where is Aspire available?+–
We list 4 market desks on the desk. Residency and onboarding rules still sit with Aspire.
Card and wallets?+–
visa · physical · virtual · Apple Pay · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
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