To learn more about Advance Card or Transfer repayment, please refer to the information below.
How to pay my Advance Card Bills
In Hong Kong, Advance Card Bills are paid via Auto-pay only.
Pay using your linked Aspire account
We have enabled the auto-pay system automatically for your linked Aspire account. This removes the manual need to pay your Aspire Advance Card Bill each month.
If you wish to change the selected debit account for auto-pay, follow the steps by steps below.
On your Aspire dashboard, click "Advance limit" in the left navigation bar (web app) or click "Menu" and choose "Advance limit" (mobile app).
Click on Repayment Options
Click on Auto-pay
Under "Selected account," select the debit account you'd like the funds to be deducted from. This is based on what your account eligibility offers. If you select a debit account with a different currency than your Advance Limit, FX rates will be applied.
Your Auto-pay is now activated to pay out from that specific Debit Account. You can pause 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 at 23:30 SGT.
Please ensure you have sufficient funds in the debit account for each bill payment. As auto-pay is the only repayment method available in Hong Kong, please ensure your linked account is topped up ahead of each due date.
How do I pause Auto-pay?
To pause the auto-pay system, you may follow the steps by steps below.
On your Aspire dashboard, click "Advance limit" in the left navigation bar (web app) or click "Menu" and choose "Advance limit" (mobile app).
Click on Repayment Options
Click on Auto-pay
On the very bottom, click on "Pause Auto-pay".
What if I don't have an Aspire multi-currency account linked to my Advance Card account?
If you do not have an Aspire multi-currency 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.
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.
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)
Can I make a single repayment for multiple Advance accounts bills?
If you have multiple advance bills under different charge accounts, please make separate repayments per bill. We do not accept bulk repayments for multiple bills that are billed under different charge accounts ❌
If a repayment for multiple charge accounts is received, we will allocate it to one of the charge accounts with the earliest due date.
Any excess amount will be treated as an early repayment and adjust the balance accordingly.
If you have multiple Advance transfer bills under the same charge account, you may make a lump sum repayment.
You can contact customer care or your Account Manager with the breakdown of funds allocation per bill, including the bill number. However, we recommend making separate repayments for each bill if possible. ✅
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 auto-pay deductions may take a short while to be reflected.
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 shortly after your auto-pay deduction, please submit a ticket through this link.
Note: We recommend ensuring sufficient funds are available in your linked account ahead of each due date for quicker processing of Advance Limit repayments.
Can I make an early repayment for my Advance card bill?
Yes, you can choose to repay your Advance Card bill early.
Please ensure the funds are available in your Auto-Pay linked account ahead of your desired early repayment date. Once the payment is received, please allow 1–2 business days for the amount to reflect and for the new funds to become available.
To help us process your early repayment, please notify us here and include the following details in your message:
Your Business Name
The amount you are paying in advance
Receipt/Proof of payment to Aspire
Note: If we receive duplicate payments for your Advance Card bill, the additional amount will be applied to your current or next bill automatically.
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.