Provider profile · 2026 edition
Aspire review 2026: scores, pricing and alternatives.
A Singapore-based business account with corporate cards, expenses, reimbursements, bills and budgets.
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A Singapore-based business account with corporate cards, expenses, reimbursements, bills and budgets.
Aspire is ranked in 2 Buckingham Intelligence indices. Its highest score is 3.1 out of 5 (62 out of 100) in the Expense Cards and Spend Management Index, where it ranks 10 of 12. It is strongest for asian firms wanting a free plan with cards and multi-currency accounts, with 5 out of 5 for published pricing. Not published or not stated on the pages read: integration, regulatory standing and spend controls.
Also ranked in: Global Trade Banking Index (3.0 out of 5, rank 6 of 26).
Scores from the Expense Cards and Spend Management Index and Global Trade Banking Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For startups and small firms | 70 | 8 of 12 |
| For mid-market and multi-country groups | 63 | 11 of 12 |
| For regulated financial firms | 54 | 11 of 12 |
| Segment | Score out of 100 | Rank |
|---|---|---|
| For importers | 63 | 5 of 26 |
| For exporters | 65 | 6 of 26 |
| For wholesalers and distributors | 55 | 8 of 26 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Asian firms wanting a free plan with cards and multi-currency accounts.
Singapore, Hong Kong and US-nexus companies trading in Asia.
What Aspire publishes on its own pages, read on 21 and 26 October 2026.
A Singapore-based business account with corporate cards, expenses, reimbursements, bills and budgets. It publishes plan prices and per-user fees, and multi-currency accounts in eight currencies. It operates under a temporary exemption from licensing in Singapore rather than a full licence.
| Fact | What the provider publishes |
|---|---|
| Product coverage | Corporate cards; expense management with "Reimbursements and approval workflows"; bills and invoices; budgets; procure-to-pay listed as a product. |
| Pricing | Basic: "SGD $0 per month" with 5 free users. Premium: "SGD $15 per month" with 10 free users. Extra users "SGD $4 per additional spend user/month". |
| Global reach | "Multi-currency accounts in SGD, USD, EUR, GBP, MYR, PHP, IDR and VND"; "Send and receive in 30+ currencies across 130+ countries". |
| Integration | Integrations, API and MCP pages listed; specific accounting systems not named on the pages read. |
| Regulatory standing | Aspire FT Pte. Ltd. "has been granted a temporary exemption from holding a license under the Payment Services Act 2019"; funds "safeguarded with Tier 1 bank like DBS Singapore". Certifications not published on the pages read. |
| Spend controls | "Real-time spend control and visibility"; card controls; approval workflows; budgets. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: aspireapp.com/pricing.
Aspire serves companies incorporated in 16 countries, mainly Singapore, Hong Kong, China, India, Australia, South East Asia and the US. US accounts cost $0 a month with FX at 0.22% above mid-market and FDIC coverage up to $100 million through Column; Singapore accounts cost $0 or SGD 15 with FX from 0.46%. It holds 13 currencies with local collection in six.
| Fact | What the provider publishes |
|---|---|
| Account fee | US $0 a month; Singapore $0 or SGD 15 |
| FX margin | 0.22% above mid-market (US); from 0.46% (Singapore) |
| Receiving | 13 holding currencies; local collection in 6 |
| Paying suppliers | Published per plan |
| Stablecoins | Not published |
| Finance | Corporate cards |
| Onboarding | 16 countries of incorporation only |
| Protection | FDIC up to $100 million on USD through Column; Hong Kong wallet not insured |
| Date read | 21 October 2026 |
Who can open an account, by country of registration
| Country | Published position |
|---|---|
| United Kingdom | No |
| United States | Yes, with US nexus |
| Mexico | No |
| Brazil | No |
| Colombia | No |
| Hong Kong | Yes |
| China | Yes |
| Türkiye | No |
| UAE | No |
| Nigeria | No |
| Pakistan | No |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 21 October 2026 from: aspireapp.com/en-us/pricing, aspireapp.com/en-sg/pricing, aspireapp.com/en-us/global-account, aspireapp.com/en-us/about-us, help.aspireapp.com/en/articles/…, help.aspireapp.com/sg/en/articles/….
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Expense Cards and Spend Management Index. 0 means not offered or not published. How it is scored
Each criterion is scored 0 to 5 against the best published offer in the Global Trade Banking Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Airwallex | 4.8 | 1 of 12 | Multi-country firms wanting cards, bills and accounts in one place with published prices |
| Brex | 4.7 | 2 of 12 | US and global firms wanting a free plan and local cards in many countries |
| Ramp | 4.7 | 3 of 12 | US firms wanting cards, bills, travel and procurement on one platform |
| Soldo | 4.0 | 4 of 12 | UK and EU firms wanting a published monthly price and regulated card issuer |
| Spendesk | 3.9 | 5 of 12 | European firms wanting unlimited users and their own regulated card issuer |
| Moss | 3.8 | 6 of 12 | European firms wanting an EU-regulated issuer and EU data hosting |
| Payhawk | 3.8 | 7 of 12 | Multi-entity firms wanting cards, bills, travel and procurement with deep ERP links |
| Pleo | 3.5 | 8 of 12 | UK and European small firms wanting clear per-user prices |
| Mesh | 3.1 | 9 of 12 | US firms wanting travel and SaaS spend on virtual cards |
| Volopay | 3.0 | 11 of 12 | Firms in Asia-Pacific and the US wanting cards and payouts together |
| Navan | 2.6 | 12 of 12 | Firms under 300 staff wanting free travel booking with expenses |
Full Expense Cards and Spend Management Index ranking
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Wise Business | 3.8 | 1 of 26 | Transparent FX and receiving in 22 currencies |
| WorldFirst | 3.5 | 2 of 26 | Importers paying Asian suppliers, no account fees |
| Airwallex | 3.5 | 3 of 26 | Free local supplier payments to 120+ countries |
| Statrys | 3.1 | 4 of 26 | Hong Kong, Singapore and BVI companies trading with Asia |
| XTransfer | 3.1 | 5 of 26 | Trade with China and emerging-market collection |
| Currenxie | 3.0 | 7 of 26 | Asian and Mexican traders collecting in nine currencies |
| Payoneer | 3.0 | 8 of 26 | Marketplace sellers and exporters in 190+ countries |
| Mercury | 2.8 | 9 of 26 | US-registered companies with founders abroad |
| Ebury | 2.8 | 10 of 26 | Mid-size traders needing supplier finance with their FX |
| Verto | 2.7 | 11 of 26 | African exporters collecting in NGN, KES and ZAR |
| 3S Money | 2.7 | 12 of 26 | Non-resident companies from 190+ countries wanting UK and EU IBANs |
| Slash | 2.5 | 13 of 26 | Non-US wholesalers spending in dollars and receiving USDT |
| Revolut Business | 2.5 | 14 of 26 | UK, EEA and US companies wanting cards and FX allowances |
| Shield | 2.5 | 15 of 26 | Wholesalers in Latin America paid in USDT |
| OFX | 2.4 | 16 of 26 | FX-heavy traders wanting a dealer on the phone |
| Tazapay | 2.4 | 17 of 26 | Exporters collecting from buyers in 85+ markets |
| Wio Bank | 2.4 | 18 of 26 | UAE trade licence holders wanting a bank with lending |
| HSBC UK | 2.3 | 19 of 26 | UK traders needing letters of credit and trade finance |
| iBanFirst | 2.0 | 20 of 26 | EEA and UK companies exchanging €200,000 or more a year |
| Conduit | 1.9 | 21 of 26 | Companies in 100+ countries settling trade in stablecoins |
| Bitso Business | 1.8 | 22 of 26 | Latin American traders settling on Pix, SPEI and ACH |
| Flutterwave | 1.7 | 23 of 26 | African exporters receiving USD, GBP, EUR and AED |
| Equals Money | 1.7 | 24 of 26 | UK businesses wanting cards and 40 currencies in one account |
| Moneycorp | 1.7 | 25 of 26 | UK and Irish traders wanting dealer-led FX |
| Nium | 1.6 | 26 of 26 | Platforms and fintechs embedding payouts, not yet small traders |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Aspire is compared with its alternatives in the table above.
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