Top 5 Aspire App Alternatives to Consider in 2025

For startups and SMEs managing cross-border payments, having the right business account can make all the difference. While Aspire offers a solid foundation, it may not have everything you need as your business grows.

Some may find the platform limited as they expand their reach and operations across more markets. Others may find Aspire too complex or lack personalised support.

Whether you're looking for a business account with a simpler experience, wider currency support, or more reliable support, these Aspire alternatives could be a better fit.

Choosing the right alternative to Aspire starts with understanding what matters most to your business.

Whether you’re looking for broader currency support or more personalised service, the ideal solution should match how your business operates today and scale with you over time.

Here are a few key points to think about when deciding whether another solution might be a better fit.

• Does it support the currencies I actually use? The Aspire account supports SGD, USD, EUR, and GBP. If your business regularly deals in other currencies, like HKD, CNY, or AUD, look for a provider that offers a multi-currency account or local account details that match your needs.
• Do I need a card for my business? Aspire only issues cards to companies registered in Singapore, Hong Kong, or Indonesia. If your business is based elsewhere or expanding into new markets, choose a provider that offers card access in your jurisdiction, with features like spending limits, team roles, and merchant controls.
• Do I use FX features regularly? Aspire offers decent exchange rates but lacks advanced FX features. If you make frequent or high-value international payments, look for tools like forward contracts or limit orders to help you manage costs and reduce risk.
• Do the fees match how I operate? Aspire offers competitive pricing, but if you often make international payments, need multiple users, or convert currencies regularly, the total cost can still add up. When comparing alternatives, think about how you use your account daily and choose one that fits your budget.

With these factors in mind, here are the best Aspire alternatives at a glance.

Founded in 2019, Statrys is an award-winning payment service provider in Hong Kong, offering financial solutions tailored to modern businesses. With Statrys, you can hold and manage funds in 11 currencies, make local payouts in 12 currencies, and make spot trades based on real-time mid-market exchange rates.

Statrys is licensed and regulated by the Hong Kong Customs and Excise Department and has supported over 5,000 businesses worldwide with their international payment needs.

Key Services Offered by Statrys

• Multi-Currency Business Account: A single account number that supports 11 different currencies: USD, HKD, CNY, AUD, EUR, GBP, SGD, JPY, CHF, NZD, and CAD.
• Local Payout: Save more from SWIFT transfers with local payouts in 12 currencies: USD, AUD, GBP, EUR, THB, INR, VND, TRY, IDR, PHP, SGD, and KRW.
• Virtual and Physical prepaid Mastercard®: Top up the card and issue it to your team for business purchases online and in-store, as well as cash withdrawals at ATMs worldwide.
• FX Services: Access competitive exchange rates based on real-time mid-market rates with fees as low as 0.15%.
• Invoicing 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.
• Personalised service: A dedicated account manager for every business account who can be reached through phone, WhatsApp, and WeChat.

Statrys Pricing

Curenxie is another fintech firm based in Hong Kong, founded in 2014. Currenxie offers various financial solutions, including foreign currency 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 Service Offered by Currenxie

• Global Account Wallet: A wallet to hold money in 15+ currencies, including USD, EUR, HKD, GBP, SGD, IDR, JPY, CAD, AUD, NZD, RMB (CNH), and CHF.
• Foreign Currency Accounts: Get unique account details in the USA, UK, EU, Hong Kong, Australia, Japan, Canada and Mexico to collect and make payments like a local.
• Local Payouts: Transfers via local payment networks in 18 locations, including the USA, UK, EU, Hong Kong, Australia, Canada, Indonesia, India, Thailand, Vietnam, South Africa, and Mexico.
• International Wire Transfers: Send money to over 120 countries.
• Debit Card: Numberless physical debit cards to make purchases anywhere Visa is accepted. (For Hong Kong-based business and one card per account only)
• 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 Pricing

Airwallex is an Australian fintech company licensed and regulated to operate as a payment service provider in different countries. It offers various solutions, including virtual accounts, international transfers to over 150 countries in 60+ currencies, debit cards, and more.

In addition, Airwallex provides a robust API for developers and offers integrations with accounting tools like Xero, NetSuite, and QuickBooks, making financial management easier for businesses.

Key Services Offered by Airwallex

• Global Accounts: Open local accounts with unique account numbers and details in 13 locations, including Australia, Canada, Denmark, the EU, Hong Kong, Indonesia, Mexico, New Zealand, Poland, Singapore, the UAE, the UK, and the US.
• Local Payouts: Send payments via the local payment systems of 120+ countries.
• Airwallex Borderless Card: Multi-currency cards expand financial flexibility with a virtual and physical Visa debit card.
• Accounting Platform Integrations: Seamless integration between Airwallex and Xero, NetSuite, and QuickBooks to better handle finances.
• Payment Plugins: No-code payment gateway for ecommerce platforms, including Shopify, WooCommerce and Magnito, to collect payments easily.
• Core API: Powerful and flexible APIs to streamline your financial operations, including sending payouts, managing FX risk, and issuing cards.

Airwallex Pricing

Wise, formerly known as TransferWise, 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.

Wise’s core service is to facilitate 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, which also help you save more time and money on managing multiple currencies.

Key Services Offered by Wise

• International Transfers: Send low-cost global payments 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 via the local payment network.
• 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.

Wise Pricing

Payoneer is another payment service provider that specialises in financial solutions tailored for B2B transactions. Payoneer has a team of over 2,000 employees across 25+ offices worldwide and 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

• International money 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, UAE, 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 Pricing

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!