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Yield

Grow your business funds with Yield

Unlock returns in USD and SGD with no lock-ins and next-business day access to your money whenever you need. Exclusive to Aspire customers.
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Aspire Yield is offered in partnership with Fullerton Fund Management, part of Seviora, an independent asset management group owned by Temasek. Funds are invested in relatively low-risk money market funds, aiming to preserve capital while generating returns.

Earn returns in USD and SGD

3.70%*
on USD
Before 0.5% Aspire annual fee
1.79%*
on SGD
Before 0.5% Aspire annual fee

*The return rates are based on 7-day performance as of 1st Apr 2026, before deducting Aspire’s service fees. 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 fund's 1-year historical performance here.

This is how much you could earn

Boost your SGD gains with every dollar put in. Get a sneak peek of your potential returns.
+ SGD 2,363per year
Balance
SGD 60.20K
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*The return rates are based on 7-day performance as of 2nd Feb 2026, before deducting Aspire’s service fees. 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 fund's 1-year historical performance here.

Keeping your money safe

At Aspire, we are committed to helping you maximise your money and minimise risk so you can focus on scaling your business.

Funds security

Your money will be invested in relatively low-risk money market funds managed by Singapore’s leading fund managers. You’ll also get updates on the net asset value of, and returns on, your investments.

Always accessible

We believe in giving you full control of your money. Your Yield account is integrated with your Business Account, allowing you to seamlessly invest your funds anytime.

Start from your first dollar

No minimum amount required. Yield gives you the flexibility to grow your business savings on your terms.

All-in-one Business Account

Put your earnings to work. Pay bills, employee salaries and more. No need for multiple accounts and logins.

Cash out anytime

Earn returns on spare cash with next business day liquidity or move funds back to your Business Account for your business expenses whenever needed. All within your Aspire account.

Hear From Our Partners

Bhavana Ravindran
Founder and CEO
“We’ve tried a 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 things.”
Tym Armstrong
Co-Founder at Forgettable
“Before Aspire Yield, we’d shuffle cash between banks every month just to earn interest - endless paperwork an time deposits. now our spare funds stay in Aspire, earning high returns automatically. It’s seamless, no extra work, and always accessible.”
Field Pickering
APAC Head of Operations and Delivery of Tenity
“Before Aspire Yield, founders had limited options. Earning returns meant locking up cash for a minimum of 3, 6, or even 12 months, for early-stage businesses that need access to funds every day, that trade-off often meant missing out on opportunities. Aspire Yield changed this, allowing businesses to earn returns while maintaining next-day liquidity, a simple idea with a significant impact.”

FAQs about Yield

How does Yield work?

Your Yield Account is integrated with your Aspire Business Account, allowing you to seamlessly invest your idle funds anytime.

Your funds are invested in relatively low-risk money market funds managed by Fullerton Fund Management, established in 2003 and headquartered in Singapore. Fullerton is part of Seviora, an independent asset management group owned by Temasek.

For SGD, your funds are invested in the Fullerton SGD Cash Fund Class A

For USD, your funds are invested in the Fullerton USD Cash Fund Class A

You can visit the Fullerton website to learn more about the securities held by the interest-earning funds, including factsheets, prospectus and latest performance.

You’ll get updates on the net asset value of and returns on your investments, with next-business-day access to your money whenever needed.

Who can use Yield?

Yield is currently available only to businesses incorporated in Singapore that qualify as active Non-Financial Entities (NFE).  It is not available to companies with U.S. Persons or financial institutions and investment companies.

Learn more about eligibility for Yield

Are my investments risky?

Yield invests your funds in relatively low-risk money market funds managed by Fullerton Fund Management. These funds primarily hold short-term, high-quality financial products such as T-bills.

That said, all investments carry some level of risk. The value of your investment may fluctuate, and any past performance is not a guarantee of future or likely returns.

We provide you real-time visibility of your earnings and the option of withdrawing your funds at any time with next-business-day access.

Is there a minimum investment amount or lock-in period?

No, you can invest any amount in Yield and get quick access to your funds on the next business day (for redemption requests placed before cut-off time).

Are there any fees for Yield?

Yield includes two types of annual fees — charged separately by Aspire and the fund manager.

Aspire fee:

  • USD: 0.50%, SGD: 0.50%
  • This is charged monthly and will be deducted from your Business Account on the 1st of every month. If there aren’t enough funds there, it’ll be deducted from your Yield Account.

Fund manager’s fee:

  • USD: 0.16%, SGD: 0.16%
  • This is paid out of the Fund’s assets, reflected in the net asset value of the Fund and you won’t see it charged as a separate fee.

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