Aspire

Pricing

• •The first card for each user is free.
• •Five outbound international transfers a month are free, up to $75 of waived fees in total.
• •Local Hong Kong transfers run outside SWIFT: FPS is free, while CHATS costs HKD 15 to receive and HKD 55 to send.

Limits

• •incorporated in IDIn Indonesia, the expense Claims feature is limited: a claim can be marked as paid, but the Aspire debit account cannot be used to pay claims out.
• •Up to 200 corporate cards can be issued on the account.

Payments & transfers

• •Aspire advertises reach to 130+ countries but does not publish an explicit list of countries you can send to or receive from.
• •The Singapore Basic plan supports a narrower currency set than the other regions: SGD, USD, GBP, and EUR only.
• •incorporated in PH, CN, KR, IN, LK, TW, MY, TH, MV, MN, VNFor businesses incorporated outside Singapore, Indonesia, Hong Kong, the US and Australia, the Bills, Invoice and Payment Link features work only through Aspire's USD, EUR and GBP accounts: there is no local-currency account in the country of incorporation.
• •Aspire's Singapore marketing page presents IDR as a fourth core multi-currency account, with account numbers of your own. No other source confirms it: IDR is absent from the per-country account table, from the general summary of currency accounts, and from the currency lists on the regional pricing pages, and no IDR fees are published anywhere.
• •Whether this currency comes with local account details of your own depends on your country of incorporation.
• •Whether you get local HKD account details may vary by country of incorporation: per Aspire's own table, companies incorporated in Singapore and in Hong Kong both get an HKD account.
• •Whether you get local GBP account details may vary by country of incorporation: per Aspire's own table, companies incorporated in Singapore and in Hong Kong both get a GBP account.
• •Aspire's own sources disagree on GBP: the pricing page and the help article both list it as a core currency account, while the multi-currency page's headline list names only SGD, USD, EUR and IDR.
• •Companies incorporated in Hong Kong get a CNY account, and the same table also shows it for companies incorporated in China.
• •CNY is missing from Aspire's one-line summary of supported currency accounts, which names only SGD, USD, HKD, EUR and GBP, even though the currency has its own column in the account table and a dedicated article on local CNY transfers.

Cards

• •incorporated in PH, CN, KR, IN, LK, TW, MY, TH, MV, MN, VNFor businesses incorporated outside Singapore, Indonesia, Hong Kong, the US, and Australia, standard corporate cards aren't included and are issued only exceptionally, on a case-by-case basis.
• •Corporate card spend earns 1.2% cashback on all eligible spend.

Crypto

• •Cryptocurrency services are treated as a restricted-access activity rather than an outright prohibition: Aspire may limit (not automatically deny) service based on its risk tolerance.
• •Web3 companies can open accounts, subject to a dedicated compliance questionnaire and case-by-case review.
• •Incoming funds sourced from crypto exchanges are assessed on a case-by-case basis, not accepted automatically.
• •Native stablecoin support has been announced as launching soon but is not yet live.

Opening an account

• •incorporated in USUS accounts require a physical presence in the US: the business must have either its principal place of business in the US, an owner or director based in the US, or an employee operating from a US-registered address - any one of the three is enough.
• •incorporated in USSole proprietorships are not eligible for a US account.

Sanctions

• •Accounts cannot be used for any transaction involving persons or countries on the OFAC SDN or U.S. State Department sanctions lists.
• •For customers of the Australian entity, Haiti is additionally prohibited, and the Ukraine restriction extends to all occupied or contested regions.

Licence & regulation

• •In Indonesia, Aspire operates through two local entities: PT Kharisma Catur Mandala, licensed by Bank Indonesia, and PT Alumak Teknologi Indonesia, registered with the OJK.
• •Aspire operates through separate local entities depending on region: Aspire FT Pte. Ltd. in Singapore (Basic/Premium plans), AFT HK Limited in Hong Kong (MSO license), AFT US LLC in the United States, and AFT AU Pty Ltd in Australia (AFSL 554582, ASIC).
• •In Singapore, Aspire operates under a temporary exemption from the Payment Services Act 2019, not a full EMI license.
• •The US entity is not a bank: deposit accounts and banking services are provided by its partner Column N.A., Member FDIC.