Top 5 Aspire App Alternatives to Consider in 2025

Are you looking for a reliable alternative to the Aspire app for your business in 2025? Whether you're seeking better international payment options, enhanced currency exchange rates, or a more user-friendly platform, finding the right business account is crucial for streamlining your financial operations.

In this article, we explore five standout alternatives—Statrys, Currenxie, Airwallex, Wise, and Payoneer. Each offers unique features tailored to modern businesses, helping you make an informed choice for your specific requirements.

Let’s dive in to find out which provider is the right fit for your business. 

Founded in 2019, Statrys is an award-winning Money Service Operator in Hong Kong. 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

• 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 Expense 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: Makes spot trades and orders forward contracts at real-time mid-market exchange rates.
• 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.

Statrys Fees

Statrys is Ideal 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 and want to save more on currency conversion and transaction fees.

✅ Business owners who prefer personalised and responsive customer support.

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 Services Offered by Currenxie

• Global Account Wallet: A wallet to hold money in 15 currencies: USD, EUR, HKD, GBP, JPY, CAD, AUD, NZD, RMB (CNH), SGD, CHF, DKK, NOK, SEK and IDR.
• 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. (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 Fees

Currenxie is Ideal For

✅ Online sellers looking for tools to simplify global payment collection and integrate with ecommerce platforms.

✅ Businesses with international employees or suppliers looking for cross-border payment solution.

✅ Businesses seeking tools for multi-currency management.

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 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.
• FX Services: Make spot trades and order forward contracts at the rates you prefer.
• 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. 
• Core API: Powerful and flexible APIs to streamline your financial management.

Airwallex Fees

H3: Airwallex is Ideal For

✅Global businesses requiring local accounts to collect and send payments in different countries seamlessly.

✅Tech-focused businesses requiring customisable APIs to build tailored payment workflows.

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

• 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.
• FX Services: Convert money at a mid-market exchange rate with competitive fees.

Wise Fees

Wise is Ideal For

✅Freelancers and digital nomads looking for low-cost international transfers and the flexibility to manage multiple currencies.

✅Small businesses and startups seeking local account details to receive and send payments in multiple currencies without high fees.

Payoneer is another top payment service provider that specialises in financial solutions tailored for B2B transactions. Payoneer 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

• 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 Fees

*A one-time registration fee is applied for some countries.

**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.

Payoneer is Ideal For

✅Online sellers looking for a payment gateway to accept global payments and streamline operations.

✅Companies seeking tools to simplify recurring multiple payments efficiently.

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!