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Aspire vs. Wise: Unlock your business’s full potential
International payments are just one piece of modern business finance. While Wise moves your money globally, Aspire transforms how you manage your entire business - from expense tracking to cashback rewards and automated workflows to accounting integrations.
Trusted by 50,000+ modern businesses
Aspire vs. Wise key differences
Here’s a side-by-side comparison of Aspire and Wise to highlight key differences and help you choose the best business account for your needs.
Free
Account Fees
SGD $99 set-up fee
Up to 3 levels of sub-budgets
Budgets and Sub-budgets
Create Local Currency Accounts to
Receive Funds
Receive Funds
Custom Approval Workflows
Automated Invoice Reconciliation
Manage Vendors and Bill Payments
Payroll Processing
Unlimited 1% cashback on Digital Marketing and SaaS spends
Card Cashback
Supports ApplePay and GooglePay
Accounting Integrations
Comparison as of March 2025.
3 reasons why businesses choose Aspire over Wise
Running a successful business requires much more than just efficient money transfers. Here’s why companies are switching from Wise to Aspire:
Everything You Need, Zero Extra Fees
While Wise charges for basic services, Aspire includes expense management, accounting integrations, and unlimited cards - all free. Run your entire business without worrying about transaction caps or hidden costs.
Smart Rewards on Business Spend
Turn everyday expenses into business growth. Earn unlimited 1% cashback on marketing and SaaS spending - automatically credited. While Wise offers no rewards, Aspire puts money back into your business.
Complete Financial Control On One Platform
Take charge with intelligent budgeting and approval workflows. Create custom spending limits, manage team expenses, and track in real-time. Unlike Wise’s basic transfer service, Aspire gives you full control over your business finances.
How Aspire works
Aspire brings together the security of traditional banking with the innovation of modern fintech to create the future of business finance. Here's what makes our platform uniquely powerful:
Trusted banking foundation
Your money is safeguarded in Tier 1 banks like DBS Singapore, and backed by partnerships with Citibank, JPMorgan, and Visa. Get the security of traditional banking with the speed of modern fintech - all fully compliant with MAS regulations.
Seamless global Payments
Send and receive payments in 30+ currencies across 130+ countries at market-leading rates. Our transparent fee structure means no surprises, while smart workflows streamline your operations from payroll to revenue collection.
AI-powered financial control
Take charge with intelligent tools built for modern business. From multi-level approvals to real-time fraud detection, automated reconciliation to comprehensive integrations - work smarter, not harder.
We are backed by leading institutions and world-class investors
Frequently asked questions about Aspire vs. Wise
Who should choose Aspire over Wise?
You should choose Aspire if your business requires more than just international transfers. Aspire provides a complete business platform with expense management, corporate cards, and accounting tools - ideal for growing companies needing comprehensive financial management.
Who should choose Wise?
Wise might suit businesses solely focused on international transfers or those needing specialised currency conversion services. However, companies requiring broader business banking features might find Wise's offering too limited.
How do Aspire’s international payment capabilities compare to Wise?
Both platforms offer competitive international transfers, but Aspire provides additional value through integrated business tools and cashback rewards. While Wise specialises in transfers, Aspire combines global payment capabilities with complete business banking features like budgeting, spend control and native accounting integrations.
How does Aspire’s pricing compare to Wise?
Aspire provides all features free, including expense management and accounting integrations. Wise charges per transaction and for additional services. For businesses needing multiple features, Aspire typically offers better overall value.
Which is better for daily business operations, Aspire or Wise?
Aspire offers integrated expense management, budgeting tools, and accounting features needed for daily business operations. Wise focuses solely on international transfers, requiring additional services for basic business banking needs.
Hear it first from our customers
“As a startup, we needed more flexible solutions to support our increasing needs, as well as ones that’d make the most financial sense in supporting our growth.”
$110,000
Saved per year
900hrs
Saved per year
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Gregory Van
CEO of Endowus
"By leveraging Aspire, First Page aimed to establish tighter control over our financial outflows, ensuring that all media spending stayed within the allocated budget limits. This was crucial for maintaining financial discipline and ensuring that our company's marketing efforts were both effective and sustainable."
$ 80,405
Saved per year
2,834hrs
Saved per year
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Holly Qian
Head of Finance, First Page Digital
"In the past, we used different devices for calls, music, and work. Just like smartphones brought everything together, Aspire elegantly combines corporate cards, FX, business accounts, payables, and much more, into one user-friendly interface."
$28,037
Saved per year
860hrs
Saved per year
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William Chong
Finance Director at Glints