Reviewed 2026-08-01; pricing verified at source.
Overall, Aspire will give a global business useful financial control or merely move the bill from subscriptions into transaction activity.
Verdict
Basic costs $0 per month, and the US offering has a single tier with per-transaction rather than per-seat fees. That is a practical starting point for a team that wants broad participation, provided its transaction pattern remains cheaper than a recurring plan elsewhere.
Best for
Basic lists free local ACH, wire, and check transfers, while Aspire integrates with QuickBooks and Xero. It best fits a lean finance operation that values routine movement and accounting handoff more than a ladder of packaged plans.
Skip it if
Basic FX rates start at 0.22% above mid-market rates, and the Treasury annual fee starts at 0.15%. Skip it if high transaction volume would make variable charges more important than the absence of a monthly subscription.
Price and plan evidence
Cashback rate costs 1.5% uncapped cashback on card spend.
Basic plan reports FDIC insurance via Column N.A. of up to $100M.
Basic plan costs Starting from 0.22% above mid-market rates.
Basic plan costs Free (ACH, Wire, Check).
Basic plan includes 13 currencies.
Basic plan costs $0 per month.
US surface, single tier (relabeled Business Account -> Basic, 2026-08-01, price unchanged), 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.
Basic plan includes 24/7 English support.
The finance stack for global founders.
Basic plan Starts 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.
What the pricing structure tells you
Basic costs $0 per month, and the US surface has one tier with fees charged per transaction rather than per seat. Local ACH, wire, and check transfers are free, while FX rates start at 0.22% above mid-market rates, so the structure favors teams that can keep fee-bearing activity controlled rather than merely teams adding users. Aspire stops feeling cheap when that activity outweighs the subscription cost avoided at entry.
Where the fit changes
Basic provides accounts across 13 currencies and 24/7 English support. The fit changes when your currency footprint extends beyond that set or your team needs service in another language.
FAQ
How much does Aspire cost (Basic plan)?
Aspire costs $0 per month.
How much does Aspire cost (Basic (Singapore) plan)?
Aspire costs SGD $0 per month.