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Aspire's US offering has no per-seat pricing, and the Business Account costs $0 per month. That structure suits a small team when adding collaborators should not add subscription seats.
What this choice needs to do
Your team needs one financial account structure without paying merely to let more people participate. The constraint is shared control and visibility.
It fits when
The Business Account supports 13 currencies. It fits when the team handles money across several currencies from one account.
It stops fitting when
The US surface is a single tier whose fees are transaction-based. It stops fitting when the team needs tiered controls that can be purchased as responsibilities grow.
Cost and boundaries
Cashback rate costs 1.5% uncapped cashback on card spend.
Business Account plan reports FDIC insurance via Column N.A., up to $100M.
Business Account plan costs From 0.22%.
Business Account plan costs Free.
Business Account plan includes 13 currencies.
Business Account plan costs $0/month.
US surface, single tier, no plan ladder; fees are per-transaction, not per-seat.
Basic (Singapore) plan costs SGD $0 per month.
Premium (Singapore) plan costs SGD $15 per month.
Business Account plan includes 24/7.
The finance stack for global founders.
Business Account plan costs From 0.15%.
Treasury yield includes up to 3.67% yield.
Hit the ground running in the US with free ACH, wire, real-time transfers, and FDIC insurance up to USD $100M.
The trigger to change course
Treasury fees start at 0.15%. Reopen the decision when treasury use becomes material enough that variable fees outweigh the lack of seat charges.
FAQ
How much does Aspire cost (Business Account plan)?
Aspire costs $0/month.
How much does Aspire cost (Basic (Singapore) plan)?
Aspire costs SGD $0 per month.