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Top 5 Aspire App Alternatives in 2024 & Who We Recommend For

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Founded in 2018, Aspire App is a financial services provider in Asia that offers a range of financial solutions, including business accounts, virtual and physical corporate cards, and expense management- all in one single platform. These solutions address the needs of modern business finance and streamline global business operations.

Whether you’re an existing user of the Aspire App or you are looking for your first business account for your business, we've curated and compiled a list of the 5 best Aspire App alternatives in 2024. In this article, we'll take a closer look at each provider, including their products and fees and who they're best suited for, ensuring you pick the right one for your needs.

Aspire App Alternative Key Services Best For
Statrys logo Multi-currency business accounts, FX services, Corporate cards, and Dedicated account managers. Businesses based in Hong Kong, Singapore, or the BVI seeking a cost-effective and responsive financial services partner.
DBS logo Multi-currency business accounts, Commercial cards, Trade services, Loan services, and FX services. Businesses of all sizes in Singapore, especially businesses in the trade sector.
Currenxie logo Multi-currency accounts, Local currency accounts, Local payouts, Business cards, FX services, and Xero integration. Businesses that seek local accounts to collect and send payments in major markets such as the US, UK, EU, and Singapore.
Wise logo Transfer and convert 40+ currencies with mid-market rates, Mass payments, Debit cards, and API integrations. Freelancers and businesses with international clients
Payoneer logo International transfers, Business accounts,  Business cards, Batch payment, and Integrations. Freelancers and digital nomads that need payment solutions to manage their earnings.

1. Statrys

screenshot of statrys platform

Founded in 2019, Statrys is an award-winning financial services company. As a Money Service Operator in Hong Kong, Statrys offers a range of services to facilitate business transactions with a transparent and cost-effective pricing structure.
Statry’s core services include virtual business accounts supporting 11 major currencies, local payouts in 14 currencies, virtual and physical debit cards, and FX services.

Key Services Offered by Statrys

Key Services Best For
Multi-Currency Business Account A single account number that supports 11 different currencies: USD, HKD, CNY, AUD, EUR, GBP, SGF, JPY, CHF, NZD, and CAD.
Virtual and Physical Debit Cards Access account balance with debit Mastercard® to make purchases in-store and online and withdraw cash from ATMs worldwide.
FX Services Makes spot trades and orders forward contracts at real-time mid-market exchange rates.
Invoice Software Provides free Invoicing Software that allows anyone to create, manage, and send invoices efficiently.
Xero Integration Integrate with Xero to streamline your bookkeeping and cash flow management processes.
Maker-approver Set up transfers for later approval based on user role capabilities and have complete control of payment processes.

Statrys Fees

Fees Amount
Monthly Fee HKD 88
Payments in HKD within Hong Kong Receive: Free
Send: HKD 5
International Payments (SWIFT) Receive: HKD 55
Send: HKD 75
Foreign Exchange Rate and Fee FX rate: Based on real-time mid-market rates
FX fee: As low as 0.1%

Statrys Could Be Best For

✅ Companies incorporated in Hong Kong, Singapore, or the BVI that seek a primary or secondary business account.

✅ Businesses that frequently deal with multiple currencies can save more on conversion and transaction fees.

✅ Business owners who prefer personalised and responsive customer support.

Statrys mobile application dashboard showing a total balance in a business account.

2. DBS

A screenshot of DBS' website

Established in 1968, DBS Bank is a leading financial services group based in Singapore. DBS offers an array of services, encompassing retail banking, wealth management, corporate and investment banking, and asset management. These services are designed to meet the diverse needs of individuals, SMEs, and corporate clients.

Employing a dedicated workforce of 36,000, DBS has a dynamic presence in 19 markets worldwide, with a significant footprint across Asia. With a dedication to corporate responsibility, DBS has earned the title of “World's Best Bank” by Global Finance for 5 consecutive years.

Key Services Offered by DBS

Key Services Description
Multi-Currency Business Account A single account number that can hold 13 different currencies: SGD, AUD, CAD, CHF, CNH, EUR, GBP, HKD, JPY, NOK, NZD, SEK, and USD
Commercial Card Use the applicable debit or credit card to make purchases and earn cashback on eligible transactions.
Trade Services Solutions for import and export transactions to manage your cash flow more effectively.
Loan Services Access to working capital and loans to fund your business growth.
FX Services Forex services are available on the live dashboard with more than 40 currency pairs.
Xero Integration Integrate with Xero to better manage business finances.

DBS Fees

Type Fees
Account Opening Fee Free (for remote account opening)
Monthly Fee SGD40 (waived if average daily balance is at least SGD 10,000 or equivalent)
Local Payments Receive: SGD 0.2 or 0.5 (Giro/FAST)
Send: Free for first 50 payments
International Payments (SWIFT) Receive: SGD 10
Send: SGD 30 + agent bank fees
Foreign Exchange Rate and Fee FX rate: Competitive FX rate
FX fee: Cannot find information

Who Should Use DBS?

✅ Businesses incorporated in Singapore that need a full suite of financial tools.

✅ A reliable banking option for business owners looking to diversify their financial portfolios.

✅ DBS is particularly well-suited for businesses in the trade sector, as they offer specialised services to address the needs of this industry.

3. Currenxie

Screenshot of Currenxie's website

Curenxie is another fintech firm based in Hong Kong founded in 2014. Currenxie offers various financial solutions, including multi-currency business accounts, local accounts in different countries, debit cards, and integration with ecommerce platforms such as Amazon, Shopify, Etsy, and eBay.

Currenxie also enables connections with major payment gateways, including PayPal, Stripe, and Klarna, providing businesses with tools for managing finances in the global marketplace.

Key Services Offered by Currenxie

Key Services Description
Multi-Currency Business Account Receive, hold and send global payments in 14 currencies: AUD, CAD, CHF, CNY, DKK, EUR, GBP, HKD, JPY, NOK, NZD, SEK, SGD, and USD.
Local Currency Accounts Get unique account numbers in Hong Kong, Australia, Canada, Indonesia, Japan, Singapore, Europe, the UK and the US to collect and make payments like a local.
Local Payouts An option for cheaper money transfers in USD, EUR, GBP, HKD, IDR, AUD, CAD, MXN, INR, THB, VND, ZAR, JPY, and PHP.
Debit Card Earn 1% cashback on all eligible transactions, online and in-store, with virtual and physical Visa cards. Also, customers can withdraw cash from ATMs worldwide.
FX Services A list of 21 currencies is available to make spot trade and order forward contracts at a competitive exchange rate.
Xero Integration Integrates Currenxie with Xero to simplify bookkeeping and accounting.
Ecommerce-Friendly Features Connect with popular ecommerce platforms and payment gateways, including Shopify, Rakuten, Etsy, PayPal, and Klarna.

Currenxie Fees

Type Fees
Account Opening Fee Free
Monthly Fee Free
Local Payments Receive: USD 0.75 per transfer
Send: USD 3 per transfer
Transfer Fee Receive: USD 8 per transfer
Send: USD 8 per transfer
Foreign Exchange Rate and Fee FX rate: Based on interbank rates
FX fee: 0.1% - 0.6%

Who Should Use Currenxie?

✅ Companies with customers in the US, UK, EU, Hong Kong, Australia, Singapore, Japan, Canada, Indonesia, or Mexico can collect sales like they were local.

✅ Businesses with clients or suppliers in different regions can minimise costs with Currenxie local accounts and local payment service.

✅ Businesses looking to expand to different regions will benefit from Currenxie solutions.

💡Tip: Read our in-depth Currenxie review to learn more about their products, pricing, and customer service.

4. Wise

Screenshot of Wise's website

Wise formerly known as TrasnferWise, is a regulated payment service provider. Founded in 2011, Wise has grown into one of the most popular financial platforms among digital nomads and expatriates.

Their core service is facilitating international money transfers, offering customers a competitive exchange rate compared to traditional banks. Other services include multi-currency accounts and virtual and physical debit cards also help you save more time and money on managing multiple currencies.

Key Services Offered by Wise

Key Services Description
International Transfers Send global payments at mid-market rates to 70+ countries.
Business Account The virtual account that can hold, convert, and send payments in 40+ currencies.
Local Account Open 10 local currency accounts: GBP, EUR, USD, AUD, NZD, SGD, RON, CAD, HUF, and TRY to receive and send payments as if you were local.
Debit Card Make purchases online and in-store in multiple currencies with a Wise debit card and earn 0.5% cash back on all eligible transactions.
Business-Friendly Features Send bulk or scheduled payments to employees and suppliers by uploading a single CSV file.
Wise API Connect your Wise account with your business tools to enhance customer experience. They have a very detailed API integration document that businesses can use.
FX Services Convert money at a mid-market exchange rate with competitive fees.

Wise Fees

Type Fees
Account Opening Fee GBP 45
Monthly Fee Free
Local Payments Receive: Free
Send: From 0.43%, depending on the currency.
SWIFT Payments Receive: Free, or CAD 10 for CAD payments
Send: From 0.43%, depending on the currency.
Foreign Exchange Rate and Fee FX rate: Based on mid-market rates
FX fee: From 0.43%

Who Should Use Wise?

✅ Companies that often make international payments in multiple currencies would benefit from Wise’s extensive payment networks.

✅ Business owners seeking API to streamline their financial operations.

💡Tip: Discover all you need to know about Wise before opening an account.

5. Payoneer

A screenshot of Payoneer's website

Payoneer is another top payment service provider that specialises in financial solutions tailored for B2B transactions. Payonner has a team of over 2,200 employees across 25 offices worldwide, and it also enables international money transfers in over 70 currencies to more than 190 countries and territories. 

Their services are designed to support and drive business expansion, such as virtual local accounts, payment cards, and payment gateway options.

Key Services Offered by Payoneer

Key Services Description
International Transfers Send money in over 70 currencies to over 190 countries.
Local Accounts Receive and send money locally in USD, JPY, AUD, EUR, HKD, SGD, CAD, GBP, UAD, and NZD.
Pre-paid Business Card Top-up your card to make purchases and withdraw cash from ATMs worldwide in USD, EUR, GBP, or CAD.
Batch Payment Schedule and send batch payments of up to 1000 transactions at a time
Payment Gateway Services Accept global payments on your online store and manage funds all in one platform
API Integrations Implement API to automate financial processes, including payment collection, mass payouts, billing, and invoicing, for increased operational efficiency.

Payoneer Fees

Type Fees
Monthly Fee no

However, the annual fee of USD 29.95 will apply to non-active users.
Local Payments Receive: Free
Send: USD/GBP/EUR 1.50*
International Payments (SWIFT) Receive: Up to 1%
Send: Up to 3%
Foreign Exchange Rate and Fee FX rate: Based on wholesale currency market rates
FX fee: 0.5%
Foreign Exchange Rate and Fee FX rate: Based on mid-market rates
FX fee: From 0.43%

*This fee applies to the first USD/GBP/EUR 50,000 per month. For amounts exceeding this threshold, a fee of 0.5% will be charged on the excess.

Who Should Use Payoneer?

✅ Businesses that seek an efficient payment solution to handle transactions in the US, Japan, Australia, EU, Hong Kong, Singapore, Canada, the UK, UAE, or New Zealand.

✅ Freelancers and digital nomads can manage their earnings at a reasonable fee.

✅ Online retailers and ecommerce businesses can simplify their global payment processes with Payoneer’s payment gateway service.

💡Tip: Read our in-depth review of Payoneer to learn more about their features, fees, and customer service.

Final Note

As we reach the end of our list, you may have a better idea of which provider best fits your needs. You might even learn you need multiple business accounts to fulfil all your requirements.

Before making any decisions, make sure to evaluate the benefits and drawbacks of each option. Pick the option that aligns with your business needs and ensure it propels your business forward in this competitive landscape!

Statrys mobile application dashboard showing a total balance in a business account.


What are the best Aspire App alternatives?

The top 5 alternatives to the Aspire App are:

• Statrys
• Currenxie
• Wise
• Payoneer

What is the Aspire App?


Does Aspire App offer a personal account?



More info

Statrys competes directly with Aspire App in the payment industry. However, we're committed to providing an unbiased, thorough review to help you make an informed choice.

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