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Aspire
Singapore
What it is
Aspire is an all-in-one finance platform for businesses, combining international payments, expense management, payable management, and receivable management. It provides business accounts in 13 listed currencies and supports payments to more than 98 major currencies in its US offering, including free real-time, ACH, and wire transfers. Companies can issue instant virtual corporate cards with spend limits, currency restrictions, and selected-merchant controls. The Basic plan includes invoices, bills, budgets, claims, and an AI-powered analytics dashboard. Listed integrations cover accounting, payments, commerce, and banking services such as Xero, QuickBooks, Stripe, Shopify, and Plaid. Aspire is available through Android, iOS, web, and API access. A free plan is listed, with paid plans from 15 SGD/mo. Aspire says it is not a bank and keeps client funds in segregated accounts with tier-one banks.
For and against
For
- Free plan available
- Business accounts support 13 listed currencies
- Virtual cards include spend controls
- Includes invoices, bills, budgets, claims, and analytics
- Android, iOS, web, and API access
Against
- Paid plans start from 15 SGD/mo
- Xero requires Business Edition accounts
- DBS USD accounts cannot currently integrate with Xero
The verdict
Aspire combines business banking-style tools, card controls, accounting functions, and international payments in one platform. Its free plan and broad integrations provide a starting point, while some Xero connections have stated limits.
Who it suits
Aspire suits startups and small or medium-sized businesses managing business accounts, payments, expenses, and cards. It fits teams needing mobile, web, and API access.
Plans and prices
Basic
Business accounts · Multi-currency accounts across 13 currencies · Virtual cards · Invoices
Read 30 Sep 2026 · aspireapp.com
On the record
- Business accounts
- Aspire provides business accounts in USD, EUR, GBP, CNY, HKD, AUD, CAD, CHF, JPY, NOK, NZD and SEK at no cost on its US business-account page.aspireapp.com · read 30 Sep 2026
- Cards
- Aspire provides instant virtual corporate cards with spend limits, currency restrictions and selected-merchant controls.aspireapp.com · read 30 Sep 2026
- Customer profile
- Aspire says it serves more than 15,000 startups and small and medium-sized businesses across Southeast Asia.aspireapp.com · read 30 Sep 2026
- Funds
- Aspire is not a bank and holds client funds in segregated accounts with tier-one banks including DBS Singapore, DBS Hong Kong and Column N.A., Member FDIC.help.aspireapp.com · read 30 Sep 2026
- Integrations
- Aspire lists direct integrations with Xero, QuickBooks, FreshBooks, Sage 50, Wave, Stripe, PayPal, Square, Adyen, Amazon, Shopify, eBay, Walmart, Temu, Shopee, Apple Pay, Google Pay and Plaid.aspireapp.com · read 30 Sep 2026
- Mobile apps
- Aspire's mobile application is available in the Apple App Store and Google Play.help.aspireapp.com · read 30 Sep 2026
- Payments
- The business account supports payments to more than 98 major currencies and free real-time, ACH and wire transfers in the US offering.aspireapp.com · read 30 Sep 2026
- Product
- Aspire is an all-in-one finance platform for modern businesses offering international payments, expense management, payable management and receivable management.aspireapp.com · read 30 Sep 2026
- Security
- Aspire states that it is ISO 27001 certified, PCI DSS compliant where it handles card data, regularly penetration tested, and uses role-based access controls, MFA, audit logging and encryption in transit and at rest.help.aspireapp.com · read 30 Sep 2026
- Software tools
- The Basic plan includes invoices, bills, budgets, claims and an AI-powered analytics dashboard.aspireapp.com · read 30 Sep 2026
- Support
- The US pricing page offers 24/7 English support and Mandarin and Cantonese support during Hong Kong time business hours.aspireapp.com · read 30 Sep 2026
- Xero limitation
- Xero integration is available only for Xero Business Edition accounts, and USD accounts held with DBS cannot currently be integrated with Xero.help.aspireapp.com · read 30 Sep 2026
