We are consistently recognised as one of the best in the industry
The more powerful alternative to YouBiz
Aspire's unified finance management solution, streamlined expense management, international payments, and superior financial control make it a better choice.
Trusted by 50,000+ modern businesses
Aspire vs. YouBiz key differences
Hereโs a side-by-side comparison of Aspire and YouBiz to highlight key differences and help you choose the best business account for your needs.
Account
1-3 business days
Time to Open Account
1-3 business days
100% Online Account Opening
$0
Monthly Fees, Initial Deposit, Minimum Balance
$0
Send and Receive via PayNow
Market leading rates
FX Rates & Fees
0% FX fees
Free Local SGD Transfers
Free Local USD Transfers
From USD $8
Cross-Border SWIFT Fees
CARD
Yes, Physical cards are also available
Physical card
Yes, Physical cards are also available
1% cashback
Card Cashback
1% cashback
*Fees may vary
Comparison as of 20 May 2025
3 reasons why businesses love Aspire
Free to open, only pay for what you use
Open your account for free and only pay for the transactions you make. No hidden fees, just a flexible solution designed for businesses of all sizes.
Made for local and international payments
Get local and multi-currency account numbers to send and receive payments seamlessly. Manage SGD, USD, EUR, and more, all from one account.
An account that scales from 1 to 1,000 employees
Whether youโre a solo entrepreneur or a growing team, Aspire grows with you. Advanced expense management ensure full control at every stage.
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 funds are safeguarded by licensed financial institutions in full compliance with Hong Kongโs Money Service Operator (MSO) regulatory standards and follows strict data security protocols to ensure your business finances are protected every step of the way.
Seamless global payments
Aspire makes it easy to send and receive payments across 130+ countries in 13 currencies. With access to local rails and major card networks, businesses benefit from competitive exchange rates, faster transfers, and zero hidden feesโbuilt to support your international operations without the usual friction.
AI-powered financial control
Gain full visibility and control over your business finances with Aspireโs smart tools. From automated reconciliation and multi-level approvals to real-time spend tracking and accounting integrations, Aspire helps modern finance teams streamline operations and stay audit-ready at all times.
We are backed by leading institutions and world-class investors
Frequently Asked Questions about Aspire vs YouBiz
How long does it take to open an account with Aspire compared to YouBiz?
Both Aspire and YouBiz offer a quick account opening process that typically takes 1 to 3 business days.
Can I open an account online with both Aspire and YouBiz?
Yes, both Aspire and YouBiz allow 100% online account opening, providing convenience and ease of access from anywhere.
Are there any monthly fees, initial deposits, or minimum balance requirements?
No, neither Aspire nor YouBiz charge monthly fees, require an initial deposit, or mandate a minimum balance, allowing you to maintain your account without any hidden costs.
Does Aspire and YouBiz support PayNow for sending and receiving payments?
Yes, Aspire supports both sending and receiving payments via PayNow, providing seamless and efficient transaction capabilities. YouBiz does not offer PayNow support, which might limit payment flexibility.
How do the FX rates and fees compare between Aspire and YouBiz?
Aspire provides market-leading FX rates, ensuring cost-effective international transactions. YouBiz, however, offers a 0% FX fee.
Are local transfers free with Aspire and YouBiz?
Yes, both Aspire and YouBiz offer free local transfers in SGD. Aspire also provides free local transfers in USD, while YouBiz does not.
What are the cross-border SWIFT fees for Aspire compared to YouBiz?
Aspire offers cross-border SWIFT fees starting from USD 8. YouBiz does not support cross-border SWIFT transfers.
Do Aspire and YouBiz offer virtual cards?
Yes, both Aspire and YouBiz provide unlimited virtual cards, giving you flexibility in managing your business expenses.
What cashback rewards do Aspire and YouBiz offer on their cards?
Aspire offers 1% cashback on their cards, providing a valuable return on your business expenditures. Wise does not offer any cashback rewards on their cards.
Hear it first from our customers
โAs a startup, we needed more flexible solutions to support our increasing needs, as well as ones thatโd make the most financial sense in supporting our growth.โ
$110,000
Saved per year
900hrs
Saved per year
View Case Study
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
View Case Study
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
View Case Study
William Chong
Finance Director at Glints