Aspire Hong Kong Review [2025]: Features, Fees & Customer Support

Aspire Hong Kong is an appealing option for SMEs looking for a modern, digital-first business account with multi-currency support and efficient cross-border payment solutions. With the ability to transact in over 30 currencies, access unlimited virtual cards, and integrate with popular accounting tools, it’s built for businesses managing international payments and recurring expenses.

However, it does come with some limitations. Cash and cheque deposits aren’t supported, and corporate card eligibility is limited to businesses incorporated in Hong Kong and Singapore. While the platform offers strong features for digital-first companies, businesses with more traditional needs or requiring consistent communication may want to consider other alternatives.

Key Highlights

• 100% online account registration
• Local account details in HKD, CNY, USD, EUR, and GBP
• Payments in 30+ currencies across 130+ countries
• Free FPS transfers and CHATS support for large payments
• Unlimited virtual Visa cards plus a physical card option
• Integrations with popular accounting software like QuickBooks, Xero, and NetSuite

Aspire Hong Kong Business Account offers a modern solution for SMEs managing cross-border payments and daily finances. With support for over 30 currencies and local account details in HKD, CNY, USD, EUR, and GBP, Aspire makes international transactions straightforward. Real-time exchange rates provide transparency, while FPS transfers are free for local payments and CHATS handles larger domestic transfers.

What sets Aspire apart is its comprehensive approach to expense management. With unlimited virtual Visa cards and physical cards that integrate seamlessly with Apple Pay and Google Pay, your team can easily control and track spending. Plus, you’ll earn 1% cashback on eligible SaaS and digital advertising purchases, providing tangible value for businesses with recurring online costs.

Aspire also makes expense claims hassle-free. Employees can scan receipts and submit claims directly through the app, which then goes through a customizable approval flow. Everything is tracked and managed in one central platform, so no reconciliation is needed. And with integration into accounting software like Xero, QuickBooks, and NetSuite, you can streamline financial operations and save time on manual entries.

Here’s a summary of the key fees for Aspire’s Hong Kong business account:

For the latest fee details and any updates, check Aspire’s official Hong Kong pricing page.

Aspire provides customer support through several channels:

• Email: support@aspireapp.com
• Live Chat: Via the Aspire website or app
• WhatsApp: +852 6458 0525
• Help Centre: Multilingual FAQs and articles (English, Bahasa Indonesia, Simplified Chinese, Traditional Chinese)

The main drawback is inconsistent messaging across Aspire’s own pages about customer support availability. Some list chat support as daily from 9:00 AM to 9:00 PM (SGT), others claim English is 24/7 with Mandarin and Cantonese available from 9:00 AM to 5:00 PM (HKT), while the Help Centre states English is 24/7 but Chinese is limited to weekdays, 9:00 AM to 6:00 PM (SGT).

Setting up an Aspire Hong Kong business account can be done entirely online, and Aspire states that most applications are approved within one business day once all documents are verified.

The process is straightforward, but eligibility and required documents are worth reviewing before you start.

Aspire Hong Kong accounts are open to companies incorporated in 16 supported countries, including Hong Kong, Singapore, China, India, and the United States.

 Account opening is also subject to Aspire’s Acceptable Use Policy, which excludes certain industries and business activities.

To open an account with Aspire Hong Kong, you are required to submit the following documents:

1. Latest Business Registration Certificate (BRC)
2. Certificate of Incorporation
3. Constitution / Memorandum & Articles of Association (unless exempted)
4. Latest NAR1 (Annual Return) or NNC1 (Incorporation Form)
5. Letter of Authorisation if the applicant is not a director
6. Clear copy of ID of the user (passport, HKID, or other national ID; driving licences not accepted)
7. Proof of address of the user, if not shown on the ID (e.g. utility bill, bank statement)
8. Clear copy of ID of any registered director(s)
9. Full details of all directors, including full name, nationality, date of birth, and country of residence
10. Name, country of residence, nationality, and IDs of any shareholder who owns 25% or more
11. Name of any corporate shareholder that owns 25% or more
12. Chart of shareholder structure if any shareholder owns 25% or more

Files can be submitted as scanned copies in standard formats (JPEG, PNG, PDF, HEIC). Aspire may request additional documents depending on your company’s structure or industry.

1. Head to the Aspire registration page, sign up with your work email, and create your login credentials. You’ll be asked for some basic company details to begin.
2. Once registered, log in to your Aspire dashboard, where you’ll be guided to continue setting up your account.
3. Enter your business registration number, entity type, contact information, and a description of your business activity. Upload supporting proof of business.
4. Submit full details of all company directors and any shareholder holding 25% or more of shares, along with their identification documents.
5. Complete KYC verification through Onfido on a mobile device by uploading a valid ID (front and back) and taking a live selfie.

Aspire will then review the documents and may request additional information. Most accounts are approved within one business day once everything is complete.

Trustpilot: 3.6/5 (based on 96 reviews)
Aspire is praised for fast onboarding, easy setup, and a user-friendly interface. Many reviewers also highlight its expense management tools and smooth remittances.

Feedback on support is mixed: some cite quick, professional help, while others complain of delays, poor communication, or lack of clarity on features and fees. Complaints also include slow transfers and hidden charges.

Google Play Store: 4.2/5 (based on 367 reviews) 

Users like the app’s clean design, intuitive navigation, and wide range of business functions. Expense tracking, payroll, and claims features are frequently mentioned, and support staff receive positive comments for attentiveness.

The negatives focus on performance. Several users report crashes, lag, or problems with newer Android versions, sometimes making the app difficult to use. Overall, functionality is strong, but technical stability varies by device.

If Aspire’s limited card access or inconsistent communication doesn’t meet your needs, Statrys offers a more transparent and service-focused alternative for businesses in Hong Kong. Every account comes with clear pricing, direct support, and features designed to simplify cross-border payments and everyday financial operations.

As a licensed Money Service Operator in Hong Kong, Statrys provides multi-currency business accounts with access to features such as:

✅Manage 11 major currencies: HKD, USD, EUR, CNY, GBP, SGD, JPY, AUD, CHF, NZD, and CAD

✅ Mastercard® virtual debit cards: spend directly from your business account with no manual top-ups required

✅ Worldwide SWIFT transfers with free MT103 proof of payment

✅ Foreign exchange rates from as low as 0.1%, based on the real-time mid-market rate

✅ Clear, upfront pricing with no hidden requirements or thresholds

✅ A dedicated account manager for all business account users, with no prerequisites

Since 2019, more than 5,000 international businesses have chosen Statrys to run cross-border payments with clarity and personalised help when it matters.