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The Business Account costs $0 per month, and local transfers are free. It fits a budget-first buyer whose activity stays mainly in the free paths.
What this choice needs to do
You need essential business-money functions without a fixed software bill. The binding constraint is total cost, including transaction charges.
It fits when
Aspire charges transaction fees rather than per-seat fees on its single US tier. It fits when avoiding recurring seat charges matters more than locking in every variable cost.
It stops fitting when
Foreign-exchange pricing starts at 0.22%, and treasury fees start at 0.15%. It stops fitting when paid transaction activity becomes the main cost.
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
Aspire's Singapore Premium plan costs SGD $15 per month. Reopen the decision if your operating region or required tier introduces a subscription.
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.