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 is for
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.
What is good
- Free plan available; paid plans start at 15 SGD/mo.
- US offering includes free real-time, ACH and wire transfers.
- Virtual cards support spend limits and merchant controls.
- Basic includes invoices, bills, budgets, claims and analytics.
- Integrates with accounting, payment and commerce services.
- Available on Android, iOS, web and API.
What to know first
- Xero integration requires a Xero Business Edition account.
- USD accounts held with DBS cannot currently connect to Xero.
- Aspire says it is not a bank.
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.
Get started with Aspire
- Visit Aspire's website.
- Choose the free plan or review paid plans starting at 15 SGD/mo.
- Use the Android or iOS mobile app, web platform or API.
- Connect supported accounting, payment or commerce services as needed.
Limits to know first
Xero integration is available only for Xero Business Edition accounts. USD accounts held with DBS cannot currently be integrated with Xero.
Questions about Aspire
Does Aspire have a free plan?
Yes. Aspire lists a free plan, with paid plans starting at 15 SGD/mo.
Which platforms can I use Aspire on?
Aspire lists Android, iOS, web and API access. Its mobile application is available through the Apple App Store and Google Play.
Which currencies are listed for its business accounts?
The US business-account page lists USD, EUR, GBP, CNY, HKD, AUD, CAD, CHF, JPY, NOK, NZD and SEK at no cost.
Does Aspire integrate with Xero?
Yes, but Xero integration is available only for Xero Business Edition accounts. USD accounts held with DBS cannot currently be integrated with Xero.
Is Aspire a bank?
Aspire says it 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.
What support does Aspire list?
The US pricing page offers 24/7 English support, plus Mandarin and Cantonese support during Hong Kong time business hours.
Aspire plans and pricing
All plansCompared on corporate card software
- Free plan
- Yes
- Physical cards
- Yes
- Virtual cards
- Yes
- Spend controls
- Yes
- Approval workflows
- Yes
- Receipt capture
- Yes
- Supported currencies
- 8 currencies
