We are consistently recognised as one of the best in the industry
Aspire Yield: The best investment option for global businesses
Earn returns on idle cash while keeping it accessible. Yield is integrated with your Business Account, so you won’t need to juggle multiple platforms. Invest or move funds back anytime for payroll, suppliers, or other business needs.
Trusted by 50,000+ modern businesses
Compare Aspire Yield with other investment providers
Here’s a side-by-side comparison of Aspire and key competitors to highlight key differences and help you choose the best account for growing your business funds.
Investment type
Money Market Funds
Money Market Funds
Money Market Funds (Cash Smart Secure)
Fixed Deposits
Underlying investments
Government bills and fixed deposits only
Government bills and corporate bonds
Government bills and corporate bonds
Deposit with the bank
Currencies
SGD & USD
SGD & USD
SGD only
SGD, USD & other currencies
Returns (after annual fees)*
SGD: 2.04%^
USD: 3.88%^
USD: 3.88%^
SGD: 2.22%
USD: 3.61%
USD: 3.61%
SGD: 2.0% to 2.2%
SGD: From 0.05%
USD: From 0.5%
USD: From 0.5%
Liquidity & Access to Funds
1 business day
Up to 2 business days
3 to 5 business days
Funds locked based on selected tenor
Integrated with Business Account
Yes
Yes
No
No
Investment type
Money Market Funds
Money Market Funds
Underlying investments
Government bills and fixed deposits only
Government bills and corporate bonds
Currencies
SGD & USD
SGD & USD
Returns (after annual fees)*
SGD: 2.04%^
USD: 3.88%^
USD: 3.88%^
SGD: 2.22%
USD: 3.61%
USD: 3.61%
Liquidity & Access to Funds
1 business day
Up to 2 business days
Integrated with Business Account
Yes
Yes
Investment type
Money Market Funds
Money Market Funds (Cash Smart Secure)
Underlying investments
Government bills and fixed deposits only
Government bills and corporate bonds
Currencies
SGD & USD
SGD only
Returns (after annual fees)*
SGD: 2.04%^
USD: 3.88%^
USD: 3.88%^
SGD: 2.0% to 2.2%
Liquidity & Access to Funds
1 business day
3 to 5 business days
Integrated with Business Account
Yes
No
Investment type
Money Market Funds
Fixed Deposits
Underlying investments
Government bills and fixed deposits only
Deposit with the bank
Currencies
SGD & USD
SGD, USD & other currencies
Returns (after annual fees)*
SGD: 2.04%^
USD: 3.88%^
USD: 3.88%^
SGD: From 0.05%
USD: From 0.5%
USD: From 0.5%
Liquidity & Access to Funds
1 business day
Funds locked based on selected tenor
Integrated with Business Account
Yes
No
Comparison as of July 2025
*Returns are taken from company websites on their respective landing pages and are accurate as of 24th July 2025. Aspire does not take responsibility for any inaccuracy in the comparison table. Providers may update their returns from time to time, and the figures we extracted in the past do not predict future fees and performance.
^The return rates are based on 7-day performance as of 3rd July 2025. They do not guarantee future growth. Returns are not guaranteed and are projected based on how much your money could potentially grow over a year. Your capital may be at risk. Past performance is not an indicator of future performance. View the funds’ historical performance for SGD and USD.
3 reasons why businesses move idle funds to Aspire Yield
Seamless access & liquidity
Enjoy next-business-day access to funds without any lock-in. Aspire Yield is fully integrated with your Aspire Business Account for real-time flexibility.
Open to every business
Start earning in USD or SGD from your first dollar. No minimums, no exclusivity. Available to all Aspire Business Account holders with on-demand access anytime.
Managed by experts
Funds are placed in relatively low-risk money market funds, managed by Fullerton Fund Management under Seviora, owned by Temasek.
How Aspire Yield works
Add funds
Move USD or SGD from your Business Account into your Yield Account seamlessly in just a few clicks.
Track daily returns
Returns are updated in your Yield Account every day, so you always know how much your investment has earned
Withdraw anytime
Transfer funds back to your Business Account with next-business day access for your daily operations.
We are backed by leading institutions and world-class investors
Frequently Asked Questions About Aspire Yield
Why is Aspire Yield a better option for businesses looking to earn returns?
Aspire Yield is fully integrated with your Aspire Business Account, so you don’t need to move funds to a separate platform. You can earn returns, pay suppliers and employees, receive revenue and manage expenses using a single login with no disruptions to your daily operations.
Who should choose Aspire Yield?
Aspire Yield is built for growing businesses and lean teams that want to maximise idle cash without compromising liquidity or operational efficiency. It’s ideal if you want low-risk, daily returns while maintaining quick access to funds and operational flexibility.
Which investment vehicle is better for businesses looking to grow their idle cash?
Money Market Funds (MMFs), like Aspire Yield, are a better option for businesses looking to earn returns with full flexibility. Unlike fixed deposits which lock in funds for a set period, MMFs offer daily yields, quick access to funds, and typically higher returns. With Aspire, you can also manage investments, payments and expenses seamlessly within your finance stack.
“We’ve tried a few other fintech accounts, and honestly, most overcomplicate things. Aspire Yield is refreshingly simple: no minimums, no hidden terms, and no pressure to 'invest' in something risky. Just move cash in, and it does its thing.”
Bhavana Ravindran
Founder and CEO of Earlybird AI