Finance & PaymentsAspire
Business banking and corporate cards built for fast-moving companies in Southeast Asia.
Aspire is a business finance platform in the neobank and corporate spending category, providing business accounts, multi-currency wallets, corporate debit and virtual cards, and expense management tools designed for startups and SMEs primarily operating in Southeast Asia. It is used by founders, finance leads, and operations teams at early and growth-stage companies in Singapore, Indonesia, Vietnam, and surrounding markets who find traditional business banking too slow and too paper-heavy for their pace of operation. The core problem it solves is the friction of opening and managing business accounts at legacy banks in SEA, where the process can take weeks and typically lacks the API access, virtual card issuance, and real-time spend visibility that software companies expect. Aspire's instant virtual card issuance, multi-currency accounts, and integration with accounting tools make it a practical operating account for a tech company rather than a compliance exercise. For distributed teams running paid media, SaaS subscriptions, and contractor payments across multiple countries, the ability to issue and manage virtual cards per vendor or per team member removes a common finance operations headache.
Founders, operations leads, and finance managers at tech startups and SMEs incorporated in Singapore or operating primarily in Southeast Asia, typically at the seed to Series A stage when the finance function is one or two people managing real operational spend. The signal to adopt Aspire is when the team is putting all company expenses on a founder's personal card, sharing a single corporate card number across the team, or frustrated by the slow account opening and limited digital features of a traditional SEA bank.
$200 cashback on a $500 minimum deposit
Subject to partner eligibility criteria. Savings estimates reflect maximum potential value.
Aspirein depth.
Instant Virtual Card Issuance
Teams can issue virtual Visa debit cards in seconds for individual vendors, campaigns, or team members, each with custom spending limits and categories. This eliminates the shared company card problem where a single compromised card disrupts all vendor payments.
Multi-Currency Business Accounts
Aspire supports accounts in SGD, USD, EUR, GBP, IDR, and other major currencies, allowing teams to hold, receive, and send money in the currency of their operations without constant conversion. This is material for companies paying international contractors or vendors without wanting to absorb FX fees on every transaction.
Expense Management and Receipts
Team members submit receipts via mobile, which are matched to card transactions automatically and routed for approval. Finance teams get real-time visibility into spend without chasing expense reports at month-end.
Bill Pay and Accounts Payable
Aspire's bill pay features let finance teams schedule and batch vendor payments, track outstanding invoices, and reconcile payments directly from the platform. This consolidates a workflow that would otherwise require a separate AP tool and manual bank transfers.
Accounting Software Integration
Native integrations with Xero and QuickBooks sync transactions automatically, eliminating manual CSV import and reducing the month-end close burden on small finance teams. This keeps the books current without requiring a dedicated bookkeeper.
Aspire integrates with Xero, QuickBooks, and Deskera for accounting sync, and its virtual cards work with Google Pay and Apple Pay for in-person spend. In a typical early-stage company's finance stack it serves as the primary operating account alongside a payroll tool like Deel or Remote for international team payments.
Commonuse cases.
Managing paid media and SaaS subscription spend across a growth team
A growth team issues separate virtual cards for each ad platform (Google, Meta, TikTok) and each SaaS tool, each capped at a monthly budget set by the finance lead. When a card is compromised or a subscription is cancelled, it affects only that card rather than the entire company's payment method.
Paying international contractors and freelancers quickly
A software agency with contractors in multiple countries uses Aspire's multi-currency transfers to pay invoices in local currencies without routing through a correspondent bank or paying a 3-4% FX spread on every payment. Contractors receive payment faster and the finance team has a clear audit trail per payee.
Replacing a legacy business bank account for a Singapore-incorporated startup
A newly incorporated SaaS startup opens an Aspire business account digitally in days instead of waiting weeks for a DBS or OCBC account with physical branch visits. The team is operational with a working account, virtual cards, and accounting integration before the first customer invoice goes out.
Three stepsto activate.
Check eligibility
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Schedule a briefing
Book a call with our partnerships team to discuss your stack requirements and walk through the activation process.
Activate credits
Once approved by the partner, credits are deployed to your account. Timelines vary by partner.
BearPlex maintains partnerships with leading technology providers to facilitate access to exclusive programs for our clients. All offers are subject to each partner's independent eligibility requirements, approval processes, and terms of service. Savings figures represent maximum potential value and may vary based on qualification, usage, and partner-specific criteria. BearPlex acts as a facilitation partner and does not guarantee approval or specific credit amounts. Offer availability and terms may change at the partner's discretion.
