Aspire

What Aspire is

Aspire is a finance platform for businesses that brings together international payments, expense management, payable management and receivable management. Its business accounts page for the US lists accounts in USD, EUR, GBP, CNY, HKD, AUD, CAD, CHF, JPY, NOK, NZD and SEK at no cost. The US offering also supports payments to more than 98 major currencies and free real-time, ACH and wire transfers. Businesses can issue instant virtual corporate cards with spend limits, currency restrictions and selected-merchant controls. Aspire's Basic plan includes invoices, bills, budgets, claims and an AI-powered analytics dashboard, along with business and multi-currency accounts, virtual cards, and Xero and QuickBooks integrations. The company lists direct integrations with accounting, payment, commerce and other services, including FreshBooks, Sage 50, Stripe, PayPal, Shopify, eBay, Apple Pay, Google Pay and Plaid. Xero integration is available only to Xero Business Edition accounts; USD accounts held with DBS cannot currently connect to Xero. The mobile application is available on Android and iOS, with web and API access also listed. Aspire says it is not a bank and keeps client funds in segregated accounts with tier-one banks. A free plan is available, and paid plans start at 15 SGD/mo.

Who it suits

Aspire suits startups and small or medium-sized businesses looking to manage payments, expenses, payables and receivables in one platform. It may be useful for businesses that need virtual cards with spending controls or connections to accounting, payment and commerce services.

Limits

Xero integration is available only for Xero Business Edition accounts. USD accounts held with DBS cannot currently be integrated with Xero.

Getting started

1. Visit Aspire's website.
2. Choose the free plan or review paid plans starting at 15 SGD/mo.
3. Use the Android or iOS mobile app, web platform or API.
4. Connect supported accounting, payment or commerce services as needed.

Verdict

Choose Aspire if your business wants finance tools, international payments and controlled virtual cards in one platform, with a free plan to start. Check the Xero restrictions if your accounting setup depends on that integration, especially for USD accounts held with DBS.