Guide to Aspire Advance Limit Repayment
Updated over a week ago

To learn more about Advance Card or Transfer repayment, please refer to the information below.

How to pay my Advance Card Bills

There are two ways to pay for your Advance Card Bills:

Pay using your Aspire SGD, USD or IDR Account

You can automate your Advance Card bill payment using your Aspire SGD, USD or IDR payment.

This allows you to set and forget, removing the manual need to pay your Aspire Advance Card Bill each month. You may follow the steps below:

  1. On your Aspire dashboard, click "Advance limit" in the left navigation bar (web app) or click "Menu" and choose "Advance limit" (mobile app).

  2. Click on Pay bill

  3. Under Automatic Payment click on the green Setup Auto-pay

    image (7)

  4. In Setup Auto-pay select which debit account you'd like the funds to come from. (This is based on what your account eligibility offers)

  5. Read Terms and conditions and click Continue

  6. Your Auto-pay is now activated to pay out from that specific Debit Account

You can stop and start your Auto-pay frequency as you require.

If the funds are not available when we do the auto-pay deduction, we will continue to do so every 24 hours.

If you have enabled auto-pay, kindly ensure you have sufficient funds in the debit account for each bill payment. Refrain from making manual payments towards your Advance Card bill which may count as a double payment.

How do I pause Auto-pay?

To pause, follow the steps 1 - 3 above and scroll down to find the bottom and click "Pause Auto-Pay"

What if I don't have a Debit account linked to my Advance Card account?

If you do not have a SGD, USD or IDR Debit Account linked to your Advance Card account, please see your eligibility here or reach out to our Support Team via the Aspire app.

I have multiple currencies for our Advance Card, can I pay them all off with one Debit Account?

At this stage, you can only pay off the Advance Card linked to your debit account. If you have multiple currencies, you would have multiple accounts that are separate from your debit account.

Note: If you choose to pay in a different currency than what your Advance Card is set at, best FX rates will apply.

Pay via Bank Transfer to our Repayment Bank details

Invoices are emailed every 30 days to Admin and Finance Users. To pay your advance card invoice, please open the invoice received via email or download it from inside the Aspire platform.

See the below sample invoice and the red box that highlights where our payment information sits:


  • We can only receive payment via bank transfer to the bank listed on your invoice.

  • Please ensure you add your reference number when making the repayment.

  • Each currency has a different bank listed for payment.

  • We do not accept cash, cheque or other credit cards as forms of repayment.

What must I include when making a repayment via bank transfer?

When making a repayment via bank transfer you must include the Unique Reference Code in your transfer (comments/ notes/ reference) field if available. This will help us to quickly identify your payment and match it to the correct advance limit account it is meant for.

  • Failure to do this may result in a delay in recording repayments to your account, where your account may be frozen until we are able to identify that the funds received are meant for your advance limit account and refresh the limit.

  • The Unique Reference Code is unique to your advance account per currency and does not vary for each monthly bill issued. Thus, the exact same Unique Reference Code can be used in every bill repayment/early repayment per advance limit account.

Other than the Unique Reference Code, additional details as a prefix or postfix are not needed.

Sample Bank Transfer Screen

  • "A1BCDEF2GHI - Bill Payment"

  • "Lavender Haze Pte. Ltd. -A1BCDEF2GHI"

  • "A1BCDEF2GHI - Bill AB012345C6DEFGH"


When should I make a repayment if I choose to make a bank transfer?

We recommend for you to make the Bill repayment at least 5 business days before the Due date to ensure that funds are received on time for Aspire to refresh your limit.

A SWIFT transfer typically takes 3-5 business days to be received, and we are unable to refresh your credit limit until the funds have been received by Aspire (even if a transfer proof/screenshot is provided).

How to view the Unique Reference Code in-App

A unique Reference code is used when you want to pay your Advance Limit statements via our Repayment Account. You may watch our video guide below or follow the steps towards the end of the article.


0:00 - How to get the unique reference code from your Aspire app

1:00 - How to get the unique reference code from your Advance Limit Statement

  1. Navigate to Advance Limit Tab and choose "Pay now" to see the available payment options

  2. Choose "Pay via other debit account" to see your unique repayment reference code in-app

  3. Include only this same unique repayment reference code for every bill repayment when making a bank transfer under the comments/remarks section of the transfer.

    Your unique repayment reference code does not change per bill issued and remains the same throughout the use of your advance limit with Aspire. You may also use the same unique repayment reference code for early repayments, and over repayments even before your bill's due date.

  4. If you wish to see the unique repayment reference in your bill, simply download your current bill and view the reference. It will be the exact same reference as what you see in-app and will be the exact same reference in every single bill, which you must include in your bank transfer when making a repayment. (The image below is for illustrative purposes only).

Note: For repayments sent via SWIFT there are likely to be bank charges on the sender's end. SWIFT transfers typically involve intermediary/correspondent bank fees that may be deducted from the principal amount when sent under "SHA" charge type. Senders are unable to select the intermediary bank, and this fee varies typically between $7 - $60 USD based on average industry charges, depending on the correspondent banks used by SWIFT network.

For advance limit repayments via SWIFT, we recommend you to use the "OUR" charge type to ensure no intermediary bank fees are deducted from the full principal amount sent, so that the full amount is received by Aspire and your bills can be marked as repaid in full. If the full amount is not received by Aspire, your bill will not be marked as fully repaid, and late fees will be applied after the due date along with your limit being frozen.

Repayment allocation logic

If you make an overpayment for your Advance Card bill/Advance Transfer bill, the excess will be allocated as a repayment to your current outstanding Advance Card bill, which has been generated.

  • If there is no advance card bill with any outstanding amounts, the repayment will be allocated to your advance card bill - for the current billing period.

    • Any overpayment will not be allocated to another Advance Transfer bill in any situation.

    • A fund transfer return to another account for overpaid/excess funds in your advance account will not be possible unless the advance facility is closed.

  • We recommend that if you make a repayment for your Advance Transfer, please pay for the repayment in an exact amount, so we can allocate it to the correct bills (e.g. Your Advance Transfer bill 1 is 10,000 USD, and Advance Transfer bill 2 is 20,000. Do not pay 30,000 USD. Please pay via two separate bills of 10,000 USD and 20,000 USD each).

Sample Scenario:

  • Bill 1 - Advance Transfer (generated) Due 10,000 USD

  • Bill 2 - Advance Transfer (generated) Due 20,000 USD

  • Bill 3 - Advance Card (generated) Due 15,000 USD

  • Bill 4 - Advance Card (Not yet generated, Billing cycle still open)

If you happen to overpay a non-exact amount (e.g. 28,000 USD and inform Aspire beforehand that it is meant to be allocated to an Advance Transfer Bill, we will allocate it to an Advance transfer bill, and the rest to the earliest Advance Card Bill, and thereafter to your current Advance Card bill

  • Bill 1 - Advance Transfer (generated) Due 10,000 USD (Record +10,000 USD out of the 28,000 USD received)

  • Bill 2 - Advance Transfer (generated) Due 20,000 USD (skipped)

  • Bill 3 - Advance Card (generated) Due 15,000 USD (Record +15,000 USD out of the 28,000 USD received)

  • Bill 4 - Advance Card (Not yet generated) (Record +3,000 USD out of the 28,000 USD received)

Why is the advance limit not updated in my account after repayment?

Your Advance Limit bill may still be in "Due" status or not yet updated, because we have not yet received the payment.

Please keep in mind that payments may take a few days to reach us, depending on the transfer method.

  • SWIFT Transfers - 3 to 5 business days (does not apply for HKD repayments)

  • Local Transfers - 2 to 3 business days (does not apply for HKD repayments)

Your Advance Limit will be updated upon receiving your payment. The amount will be added to your Advance limit, which you can use immediately.

If your Advance Limit is not updated past the timelines mentioned above (time taken for the transfer to reach us and for us to update the advance limit), please submit a ticket through this link.


  • When making a repayment, it's essential to include your unique reference code.

  • We recommend enabling the Auto-pay functionality for quicker processing of Advance Limit repayments.

Can I make an early repayment for my Advance card bill?

Yes, you can make an early repayment of your Advance Card.

When you do this, you are eligible to have those funds credited back to your account for further spending. Once you have paid the bill early, please allow 1-2 business days for it to reflect in your account and for new funds to be granted.

If you do make an early payment, please let us know here. In this email, include:

  • Your Business Name

  • The amount you are paying in advance

  • Receipt/Proof of payment to Aspire

Do I still need to pay for my bill if I have already filed a dispute on certain charges?

You will still be required to pay the full outstanding amount on your bill, even if you have filed for disputes on certain transactions. Failure to pay the full outstanding bill (including the disputed spend amounts) will result in a freeze of your advance limit by the due dates, along with late fees. Once the dispute result has been concluded (if your dispute is successful) the funds will be returned to your charge account.

Please refer to this FAQ on what to do if you see an unauthorized transaction on your account.

Questions? Chat with us by clicking on the messenger icon at the bottom right of the screen once you are logged in.

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