Upgrade to the Aspire Premium Plan and unlock a suite of powerful benefits designed to help you grow, save more, and run your business with greater efficiency.
With Aspire Premium, you’ll enjoy both pricing and service advantages, giving your business an edge for just SGD 15 per month.
Pricing Benefits Comparisons
Benefits | Aspire Premium Plan | Aspire Basic Plan |
| Standard fees apply for every international transfer. | |
| FX transfers on the Basic plan include Aspire’s FX rate. | |
Get a discounted 0.25% management fee per annum when using the Aspire Yield account. | 0.50% per annum management fee. | |
Issue up to 300 free virtual cards per user. | Up to 200 free virtual cards per user. |
Non-Pricing Benefits Comparison
Benefits | Aspire Premium Plan | Aspire Basic Plan |
|
| |
Enjoy invites to exclusive networking events, including Flagship Founders Night and monthly Founders Social Hours. (For founder users only) | Not included. | |
Unlock exclusive discounts on essential business tools, such as accounting, payroll, and productivity software. | Not included. | |
Access a dedicated space in-app to track your savings, benefits, invoices, and perks — all in one place. | Not available. | |
Metal Card (Coming Soon) |
| Not available. |
Is Premium Worth It for Your Business?
Premium costs SGD 15/month. You'll likely save money with Premium if you:
Make 1+ international transfer per month
Premium provides cashback on international transfer fees for your first 5 international transfers each month:
USD, EUR, or GBP SWIFT (SHA): USD 15 or equivalent cashback per transfer
SGD SWIFT (International Transaction fee): Cashback varies by currency and amount
Break-even point: Just 1 SWIFT transfer gets you ~SGD 20 cashback (more than the SGD 15 subscription cost).
Maximum savings: Up to 5 transfers/month = up to SGD 100 cashback
Send, receive, or exchange foreign currency regularly
Premium provides FX cashback (mid-market rate equivalent) on your first SGD 13,000 in FX volume each month.
What this means: Every time you send, receive, or exchange foreign currency within the Aspire app, you’ll get cashback on the difference between Aspire’s FX rate and the mid-market rate.
Example - Sending an international transfer:
Detail | Amount |
Source account | USD |
Recipient account | EUR |
Transfer amount | EUR 20 |
Exchange rate | USD 1.00 = EUR 0.860882 |
Your FX cashback | SGD 0.26 |
For this single EUR 20 transfer, you receive SGD 0.26 cashback automatically.
Break-even calculation:
If you make 10 international transfers per month (EUR 100 each), you'll receive approximately SGD 13 in FX cashback, nearly covering your SGD 15 Premium subscription from FX cashback alone.
You can earn even more cashback when receiving FX transfers or exchanging funds within Aspire.
Have a large Aspire Yield balance
Premium reduces Yield management fees by 50%:
Basic: 0.5% annually
Premium: 0.25% annually
Example:
Yield Account Balance | Basic Plan Fee | Premium Plan Fee | Your Savings |
SGD 50,000 | SGD 250 per year | SGD 125 per year | ~SGD 10 per month |
SGD 75,000 | SGD 375 per year | SGD 187.5 per year | ~SGD 15 per month |
SGD 100,000 | SGD 500 per year | SGD 250 per year | ~SGD 21 per month |
Break-even: If you keep SGD 75,000 in your Yield account, the fee savings alone cover your monthly Premium subscription.
Quick decision guide
Your Monthly Usage | Recommendation |
0-1 international transfers + minimal FX activity | Stick with Basic |
1 international transfer + some FX activity | ✅ Upgrade to Premium - Break-even from just 1 transfer |
2+ international transfers per month | ✅ Upgrade to Premium - Transfer fee cashback alone provides significant savings |
Regular FX conversions (SGD 5,000+/month) | ✅ Upgrade to Premium - FX cashback provides substantial additional savings |
Large Yield balance (SGD 50,000+) | ✅ Upgrade to Premium - Lower management fee |
Still unsure? Check your last month's activities:
Count your international transfers
Estimate your FX conversion volume
Check your Yield account balance
If any single category meets the break-even threshold, Premium is worth it. If multiple categories apply, your savings multiply.
Aspire Premium is more than just a plan.
It’s a smarter way to manage your business finances. From meaningful cost savings on international transfers and FX rates to exclusive perks, faster support, and enhanced tools, every feature is designed to help you grow with confidence.
Upgrade today and unlock the full potential of your Aspire experience.
Questions? Chat with us by clicking on the messenger icon at the bottom right of the screen once you are logged in.