Businesses on a Hong Kong Premium plan can earn cashback on eligible international transfers. Cashback is calculated at the time of transfer and credited to your account monthly.
Who can see cashback: Any user role that can create transfers, on a Premium plan, for a Hong Kong-incorporated account.
Which Transfers Are Eligible
Not all transfers qualify for Premium cashback. The following are treated as local transfers and are not eligible, even if a fee is charged:
HKD to HKD transfers within Hong Kong
CNY to CNY transfers
The following are eligible for Premium cashback:
Cross-border transfers
Cross-currency outbound transfers
Exchange currency transactions
Incoming FX transfers
Two Types of Cashback
Free International Transfer Benefit
Premium users receive a set number of free international transfers each calendar month (for example, 5). This limit:
Resets on the 1st of each calendar month
Does not carry over to the next month
Does not reset if you upgrade or downgrade mid-month
For each eligible transfer within your remaining monthly limit:
The transfer fee is shown as usual
A cashback amount is displayed below the fee
Cashback equals the international transfer fee charged by Aspire
For SWIFT transfers: Cashback applies to the SHA fee component only. If you select the OUR option, the OUR portion is not included in cashback.
Once your monthly free transfer limit is used up, standard fees apply, and no cashback is shown. The app will clearly indicate when your limit has been reached.
2. FX Cashback Benefit (Mid-Market Rate)
Premium users earn cashback on FX transfers up to a monthly FX volume limit (for example, HKD 80,000). This limit:
Resets monthly
Applies across cross-currency outbound transfers, exchange currency transactions, and incoming FX transfers
Cashback equals the FX markup charged by Aspire — the difference between the standard rate and the mid-market rate.
If a single transfer takes you over your remaining FX limit, cashback applies only to the portion within your eligible limit.
Once your monthly FX limit is used up, standard FX rates apply and no cashback indicator is shown.
Note: Exchange currency transactions and incoming FX transfers are eligible for the FX cashback benefit only — they do not qualify for the free transfer fee benefit.
When Both Benefits Apply
If a transfer qualifies for both the free transfer fee and FX cashback (for example, a cross-border FX transfer):
The create transfer screen shows cashback separately under both the transfer fee and FX rate fields
The transaction details screen shows total cashback at the top, with a full breakdown below
How Cashback Is Paid
Cashback is calculated in HKD while performing transactions. If your transfer is in a non-HKD currency, the cashback is converted to that currency for payout.
Estimated cashback is shown at the time of transfer.
Actual cashback is credited through Aspire's monthly payout process - before 15th of next month.
Cashback does not increase your budget limits.
What to Do If a Transfer Fails or Is Refunded
If a transfer you already counted toward your monthly limit is later failed, rejected, refunded, or stopped:
Your free transfer allowance is restored
Your FX volume limit is adjusted
Any cashback indicator is removed from that transaction
If You Are on the Basic Plan
Basic plan users see standard transfer fees and FX rates at all times. No cashback is applied, and no savings indicators are shown.