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Looking for a better financial solution for your business?
See why Aspire outperforms any traditional bank in cost savings, flexibility, and business-focused features.
About Aspire
Aspire is a business account designed to help companies manage payments, cards, and expenses in one place.
About traditional banks
Traditional banks offer established business banking services, but often involve more fees, requirements, and separate tools for growing teams.
See how Aspire compares to banks like HSBC
| Fintech / Payment Institution | | |
|---|---|---|
| Business account | ||
| Account type | Fintech Multi-Currency Business Account (MSO-licensed) | Not included |
| Multi-currency wallets | 13 currencies. HKD, SGD, EUR, GBP, USD, etc | Not included |
| Local account details (receive like a local) | FPS for HKD, local HKD/USD/CNY/etc | Not included |
| Batch payments | Via Bulk Payment | Not included |
| Invoicing | Via Invoice feature | No expense management features |
| Expense management | Via corporate cards + real-time expense tracking | Not included |
| API access | Via native Open API | Not included |
| Integrations and ecosystem | ||
| Accounting software integrations | Via Xero, Stripe, Quickbooks | Not included |
| ERP integration | Not offered | Not included |
| E-commerce integration | Via Tiktok, Shopee, Amazon, Lazada, Carousell, Temu, etc | Not included |
| Third-party apps | Via Xero etc | Not included |
| Pricing and fees | ||
| Monthly fee | Basic: HK$0, Premium: HK$99 (Until 31 Dec 2026) | Fees apply |
| Account setup fee | Free | Fees apply |
| Domestic transfer fee | Free | HKD 5 via FPS; HKD 55 fee over HKD 1M |
| International transfer fee | Receive via SWIFT: HK$60, send via SWIFT: SHA USD $15, OURS USD $30 (or equivalent in HKD and CNY) | Not included |
| FX markup | From 0.18% | Not included |
| Receiving payments fee | Free (local HKD via FPS) | Not included |
| Minimum balance | Free | Not included |
| Global coverage | ||
| Supported currencies | 13 currencies. HKD, SGD, EUR, GBP, USD, etc | Not included |
| Countries served | Hong Kong, Singapore, India, US, Australia; international businesses via HK entity | Not included |
| Support and services | ||
| Customer support | Dedicated account manager + phone + email; HK team in-office; Aspire HK company registration + accounting also offered | Not included |
Business account
Integrations and ecosystem
Pricing and fees
Global coverage
Support and servicesDisclaimer: The above data is extracted from the websites of the banking companies as of January 31st, 2025, for reference only and is subject to the announcement of the banking companies. The above information is based on Aspire desktop research and should not be construed as advice. While every effort has been made to ensure accuracy, users should verify information independently.
Trusted by 50,000+ modern businesses
4.5 rating
3 reasons why businesses love Aspire
Aspire gives businesses the flexibility and control to manage money more simply as they grow.
Free to open, only pay for what you use
Open your account for free and only pay for the transactions you make. No hidden fees, just a flexible solution designed for businesses of all sizes.
Made for local and international payments
Get local and multi-currency account numbers to send and receive payments seamlessly. Manage HKD, USD, RMB, all from one account.
An account that scales from 1 to 1,000 employees
Whether you’re a solo entrepreneur or a growing team, Aspire grows with you. Advanced expense management ensure full control at every stage.
Run your finances from one place
Open a multi-currency business account with no monthly fee, built-in invoicing, and real-time expense tracking.
How Aspire works
Aspire brings together the security of traditional banking with the innovation of modern fintech to create the future of business finance. Here's what makes our platform uniquely powerful:
Trusted banking foundation
Your funds are safeguarded by licensed financial institutions in full compliance with Hong Kong’s Money Service Operator (MSO) regulatory standards and follows strict data security protocols to ensure your business finances are protected every step of the way.
Seamless global payments
Aspire makes it easy to send and receive payments across 130+ countries in 40+ currencies. With access to local rails and major card networks, businesses benefit from competitive exchange rates, faster transfers, and zero hidden fees—built to support your international operations without the usual friction.
AI-powered financial control
Gain full visibility and control over your business finances with Aspire’s smart tools. From automated reconciliation and multi-level approvals to real-time spend tracking and accounting integrations, Aspire helps modern finance teams streamline operations and stay audit-ready at all times.
Our investors
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Frequently asked questions about Aspire vs traditional banks
Both Aspire and a bank offer a quick account opening process of 1-3 business days.
Only Aspire does not charge any monthly fees or initial deposit or a minimum balance to your account. However, if you do sign up for a bank, you are likely required to have an initial deposit and maintain a minimum balance on top of monthly account fees. In other words, you can incur quite a bit of savings, just by using Aspire’s Business Account.
Aspire offers unlimited virtual cards. We also have physical cards available for your team. Banks would only offer you a limited number of virtual cards. It’s easier to scale your team and offer more virtual cards with Aspire.
Definitely. Aspire offers not only multi-currency support, but we provide some of the best market leading FX rates. You might end up saving FX fees if you use Aspire for your non-HKD transactions.
Local transfers in HKD are free with Aspire. We want to be the business account with the best value for your business and we understand how critical this is for you. Our full pricing table can be found here.
Aspire provides expense management tools, which includes budgeting, claims management, invoicing and integration to popular accounting software. They are all available to you when you sign up with Aspire. Banks do not have this feature and you will be required to sign up for more SaaS tools to support your business. Why not just save more with Aspire?
Hear it first from our customers
Gregory Van
CEO of Endowus
Read the case study“As a startup, we needed more flexible solutions to support our increasing needs, as well as ones that’d make the most financial sense in supporting our growth.”
- Saved per year
- $111,000
- Saved per year
- 900hr
Chai Yang
Finance Director
Read the case study“It was challenging to recognise costs efficiently with manual processes. With Aspire, we have control and visibility into all expenditure, allowing us to act swiftly and make informed decisions.”
- Saved per year
- $35,320
- Saved per year
- 1,664hrs
Sagar Khatri
Co-Founder at Multiplier
Read the case study“For organisations with many moving parts like ours, budgeting is important. Being unable to view our state of expenses at any given time causes challenges to modern businesses like ours.”
- Saved per year
- $73,000
- Saved per year
- 760hrs
Start your journey with Aspire
Open your free account