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Aspire's Business Account supports 13 currencies, and card spend earns 1.5% uncapped cashback. It can fit an agency with international spend if those economics matter more than client-specific workflow.
What this choice needs to do
You need to manage agency cash across client work without confusing operating funds with client economics. The constraint is complexity across payments, currencies, and account activity.
It fits when
Local transfers are free. It fits when routine outgoing payments dominate and subscription overhead must stay low.
It stops fitting when
The US offering uses one tier and transaction-based fees rather than per-seat fees. It stops fitting when different client operations need distinct service tiers or account configurations.
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
Foreign-exchange pricing starts at 0.22%. Reopen the decision when currency conversion becomes a recurring client-cost line.
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.