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Aspire Business Account vs Revolut Business Account
Aspire is a digital-first finance platform combining banking, payments, and expense management for startups, SMEs, and mid-sized businesses. Revolut Business Account is a European fintech offering multi-currency accounts and a consumer-app experience adapted for business use. Here's how they compare.
About Aspire
Aspire Business Account is a Multi-Currency Business Account offered by Aspire, who operates as a Payment Services Institution in Singapore.
About Revolut
Revolut Business Account is a Multi-Currency Business Account offered by Revolut, who operates as a Major Payment Institution in Singapore.
Aspire Business Account vs Revolut Business Account key differences
Here's a side-by-side comparison of both accounts to highlight key differences and help you choose the best business account for your needs.
| Payment Services Institution | Major Payment Institution | |
|---|---|---|
| Business account | ||
| Account type | Multi-Currency Business Account | Multi-Currency Business Account |
| Payment rails | Domestic: FAST, GIRO, MEPS, PayNow, Local TT International: ACH, SEPA, SWIFT, FPS | Domestic: FAST, Internal Revolut transfers International: SEPA, SWIFT |
| Local collection accounts | 8 currencies (SGD, USD, EUR, GBP, MYR, PHP, IDR, VND) | 30 currencies (SGD, GBP, EUR, USD, CHF, etc) |
| Batch payments | Supports in SGD, INR, USD, IDR, MYR, EUR, PHP, AUD, THB, VND | Supports in 30 currencies |
| API | Yes | Yes |
| Expense management | Offered natively for free; full expense management: corporate cards, real-time spend tracking, approval workflows, employee claims & reimbursements, budget management, receipt upload, accounting integration | Offered; full expense management: receipt auto-matching, automated categorisation, reimbursement and requests, spend limits, card rules, approval workflows, accounting sync; free for basic, paid via membership |
| Invoicing | Offered natively | Offered natively |
| Pricing and fees | ||
| Monthly fee | No monthly fee (Basic plan) / SGD $15 (Premium plan) | Basic: No monthly fee Grow: from SGD $15 Scale: from SGD $84 Enterprise: from SGD $417 |
| Account set up fee | No account setup fee | No account setup fee |
| Minimum balance | No minimum balance required | No minimum balance required |
| Local transfer fee (sending) | PayNow, FAST, Recurring/ Scheduled Transfers, Local TT: Free | Free, within allowance; after that SGD $0.20 |
| International transfer fee (sending) | SWIFT: USD $15 (SHA), USD $30 (OUR) | Free, within allowance; after that SGD $8; SWIFT OUR may incur additional fees |
| Receiving payments fee | Local Receive: Free International Receive: SGD $35 for SGD account / USD $8 for other accounts via SWIFT | Local Receive: Free within allowance; after that SGD $0.20 EUR, GBP, USD, CHF Receive: Free International Receive: Free, within allowance; after that SGD $8; SWIFT OUR may incur additional fees |
| FX markup | From 0.22% | Not publicly disclosed |
| Global coverage | ||
| Supported currencies | 30+ currencies: SGD, USD, EUR, GBP, AUD, CAD, HKD, JPY, INR, IDR + 20 currencies more | 25+ currencies: SGD, USD, EUR, GBP, AUD, CAD, HKD, JPY, CHF, NZD + 15 currencies more |
| Global payment network | 130+ countries | 150+ countries |
| Integrations and ecosystem | ||
| Integration with third-party apps | 30+ integrations. Key apps: Amazon, Apple Pay, Xero, Info-Tech, Stripe | 50+ integrations. Key apps: Xero, Shopify, Slack, Zapier, BambooHR, QuickBooks, Google Workspace, WooCommerce. |
| Accounting software integrations | Integrates with 10+ softwares. Direct integration with Xero and Quickbooks | Integrations with 20 softwares. Direct integration with Xero, FreeAgent, etc |
| E-commerce integration | Yes, with Shopify, Temu, Shopee, Amazon | Yes, with Shopify, OpenCart, WooCommerce, PrestaShop, BigCommerce |
| ERP Integration | Yes | Yes |
| Support | ||
| Customer support | In-app live chat; email | In-app chat; phone; email |
Business account
Pricing and fees
Global coverage
Integrations and ecosystem
Support*Fees may vary, Comparison as of July 2026
Trusted by 50,000+ modern businesses
4.5 rating
3 reasons why Aspire is better
Aspire is built to be your primary business account, helping you save more, earn more, and move faster in your day-to-day operations. Here's how Aspire stands out.
Free domestic transfers with no monthly allowance cap
Aspire's PayNow, FAST, Recurring/Scheduled transfers, and Local TT are all free on the Basic plan with no cap on transaction volume. Revolut's Basic plan includes free local transfers within a set monthly allowance, after which each transfer is charged at SGD $0.20. For businesses processing higher volumes of domestic payments, Aspire's uncapped free transfers translate to predictable, lower costs over time.
Competitive and transparent FX pricing
Aspire's FX markup starts from 0.22% and is published openly, combining competitive pricing with the transparency needed to accurately cost your international payment operations. Revolut's FX rates are not publicly disclosed for business accounts, and its allowance-based model means costs can increase once you exceed your plan limits. For finance teams that need predictable FX costs for budgeting and forecasting, Aspire's transparent pricing is a practical advantage.
Deep Singapore local payment infrastructure
Aspire connects to the full set of Singapore local payment rails, PayNow, FAST, GIRO, MEPS, and Local TT, covering every domestic scenario your business encounters. Revolut operates in Singapore but as a foreign-licensed entity, its local payment rail depth is less comprehensive than Aspire's. For businesses running day-to-day Singapore operations, Aspire's local infrastructure works without friction.
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 money is safeguarded in Tier 1 banks like DBS Singapore, and backed by partnerships with Citibank, JPMorgan, and Visa. Get the security of traditional banking with the speed of modern fintech - all fully compliant with MAS regulations.
Seamless global payments
Send and receive payments in 30+ currencies across 130+ countries at market-leading rates. Our transparent fee structure means no surprises, while smart workflows streamline your operations from payroll to revenue collection.
AI-powered financial control
Take charge with intelligent tools built for modern business. From multi-level approvals to real-time fraud detection, automated reconciliation to comprehensive integrations - work smarter, not harder.
Run your finances from one place
Open a multi-currency business account with no monthly fee, built-in invoicing, and real-time expense tracking.
Frequently asked questions about Aspire Business Account vs Revolut Business Account
Choose Aspire over Revolut Business Account if your business needs more than just a multi-currency account. Aspire brings an all-in-one finance platform, end-to-end financial operations coverage, and deep integrations with Xero, Shopify, and more, all in one platform. For finance teams that want to consolidate their stack and reduce the number of tools they manage, Aspire's breadth of functionality gives it a clear edge. <div
Revolut Business Account is a solid option for businesses that already use Revolut for personal finance and want a seamless corporate transition, or for teams that rely heavily on integrations with HR, collaboration, and commerce platforms. With 50+ integrations and a broad ecosystem of plan tiers, Revolut suits businesses that want extensive third-party connectivity and are comfortable managing spend within allowance-based limits. <div
Aspire publishes its FX markup from 0.22% with no cap on free local transfers. Revolut does not disclose its FX rate, and free local transfers are subject to monthly allowances after which SGD $0.20 per transfer applies. Aspire's expense management with approval workflows is included on the free plan. For Singapore-based businesses that want predictable costs, Aspire has the edge. Revolut's strength is breadth: local collection accounts in 30 currencies and 50+ integrations for globally mobile teams. <div
Both platforms offer no-fee entry tiers, making them level on base account cost. Aspire's advantage is in cost predictability: its local transfers are free with no monthly cap, while Revolut's free allowance is volume-limited. Aspire also publishes its FX markup; Revolut does not. For businesses with variable payment volumes, Aspire offers more predictable costs. Revolut offers value for globally mobile teams that need broad currency coverage and a wide integration ecosystem.
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
Holly Qian
Head of Finance at First Page
Read the case study“By leveraging Aspire, First Page aimed to establish tighter control over our financial outflows, ensuring that all media spending stayed within the allocated budget limits. This was crucial for maintaining financial discipline and ensuring that our company’s marketing efforts were both effective and sustainable.”
- Saved per year
- $80,405
- Saved per year
- 2,834hrs
William Chong
Finance Director at Glints
Read the case study“In the past, we used different devices for calls, music, and work. Just like smartphones brought everything together, Aspire elegantly combines corporate cards, FX, business accounts, payables, and much more, into one user-friendly interface.”
- Saved per year
- $28,037
- Saved per year
- 860hrs
Start your journey with Aspire
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