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How to cancel aspire and understand your refund rights in singapore

What aspire is and who should consider cancelling

Aspire is a Singapore-based fintech service that bundles business banking, multi-currency accounts, virtual and physical cards, and expense management into a subscription model. You choose between a free Basic plan or a S$15/month Premium tier, each designed for small business teams managing company spending across multiple currencies.

If you've signed up for Aspire-whether you committed to Premium or are reassessing Basic-you deserve clarity on your cancellation options and what happens to your money afterward. Stopee exists to guide you through exactly that process, so you cancel with confidence and reclaim control of your finances.

Who uses aspire and why they cancel

Aspire attracts small business owners, finance teams, and freelancers who need borderless banking without the overhead of traditional corporate accounts. You might have joined because the multi-currency features and virtual card limits appealed to your workflow. But circumstances change: your business model shifts, you find a competitor that fits better, or you simply no longer need the Premium perks.

Common reasons to cancel include switching to another fintech provider, scaling into a traditional bank, reducing team spending tools, or discovering Premium fees no longer justify the cashback and transfer limits. Whatever your reason, Stopee is here to help you exit cleanly and understand your consumer protections along the way.

Your consumer rights under singapore law

Before you cancel, know that you hold statutory consumer rights regardless of what Aspire's terms say. Singapore's Consumer Protection (Fair Trading) Act protects you even when a company's published policies don't explicitly restate those protections.

Statutory rights that apply to you

Under the Consumer Protection (Fair Trading) Act, you have the right to cancel if Aspire engaged in misleading or deceptive conduct, failed to deliver services as described, or if the service is defective or unfit for purpose. You also retain a right to refund if you signed up under false pretences or if Aspire breached its obligation to provide the service with due care and skill.

These rights exist independently of Aspire's refund policy. If Aspire refuses to budge on a legitimate complaint, the Consumers Association of Singapore (CASE) can escalate your case for free. Stopee recommends documenting all communications with Aspire-screenshots, email timestamps, and transaction records-so you have evidence if you need to pursue a consumer complaint.

Cooling-off and change-of-mind protections

Aspire does not explicitly publish a 14-day cooling-off or automatic change-of-mind refund for Singapore users. However, if you signed up via Apple App Store or Google Play, you may qualify for Apple or Google's own refund windows (typically 48 hours for subscriptions). Web-based Premium sign-ups do not automatically carry a statutory cooling-off period under Aspire's stated policy, though you can still invoke consumer law if the service was misrepresented to you.

This is a gap Stopee advises you to bridge by requesting a refund directly from Aspire's support team within 7 days of your first charge, especially if you changed your mind quickly. Being proactive often yields goodwill refunds even where policy silence exists.

Aspire pricing and plan comparison

Understanding what you pay each month helps you decide whether cancellation or plan downgrade is right for you. Below is Aspire's current pricing structure, all exclusive of GST, billed monthly on the 1st of each calendar month.

Monthly plan breakdown

When premium becomes unnecessary

You might be paying S$15/month but rarely use international transfers or virtual card creation. If your team has shrunk from 10 users to 3, or your business is now domestic-only, Premium fees add up to S$180 annually with minimal benefit. Stopee's approach: calculate whether the 5 free transfers and cashback actually save you money in a typical month. If not, downgrade to Basic and redirect that S$15 elsewhere.

How to cancel aspire step-by-step

Cancellation depends on how you signed up. If you enrolled via Aspire's website, you cancel on the web. If you purchased through an app store, you use that platform's subscription settings. Below are both paths, laid out clearly so you know exactly what to do.

Cancel via aspire's web dashboard

This is the primary cancellation method if you signed up directly on Aspire's website or app. Follow these steps to deactivate your Premium plan and revert to Basic (or close your account entirely if needed).

1. Open your web browser and navigate to Aspire's login page. Enter your email and password to access your account dashboard.
2. Once logged in, locate the "Manage account" or "Settings" option, typically found in the top right corner of your dashboard.
3. Select "Manage Billing" or "Billing & Plans" from the menu options.
4. Find your active Premium plan and click "Manage" or "View details".
5. Look for a "Cancel plan" or "Downgrade" button. Click it.
   • Aspire may ask you why you're cancelling. This is optional feedback; you can leave it blank or provide brief context.
   • Review the cancellation notice: it will confirm that Premium access ends immediately and your account switches to the free Basic plan.
6. Click "Yes, cancel" or "Confirm cancellation" to finalise. You will receive a confirmation email within minutes.

Pro tip: Take a screenshot of the cancellation confirmation page before leaving. This screenshot serves as proof if any charges appear after cancellation or if you need to escalate a dispute to CASE or your bank.

Warning: Cancelling Premium does not close your Aspire account or delete your business banking features. You retain access to your accounts, cards, and transaction history under the Basic plan. If you intend to stop using Aspire entirely and close all accounts, contact Aspire support directly-web cancellation only downgrades the subscription.

Cancel subscriptions bought through apple or google

If you enrolled in Aspire Premium or made in-app purchases through Apple App Store or Google Play, you must cancel through those platforms, not via Aspire's web dashboard. Both Apple and Google manage subscription billing independently.

1. On Apple devices (iPhone or iPad):
   • Open the Settings app.
   • Tap your name at the top, then select "Subscriptions".
   • Find "Aspire" in the list and tap it.
   • Tap "Cancel Subscription" and confirm. Apple will process the cancellation immediately.
   • You will receive a confirmation email from Apple within moments.
2. On Google devices (Android):
   • Open Google Play Store and tap your profile icon in the top right.
   • Select "Payments and subscriptions" > "Subscriptions".
   • Find "Aspire" and tap it.
   • Tap "Cancel subscription" and follow the prompts to confirm.
   • Google will send you a cancellation confirmation email.
3. Verify cancellation: check your email for the confirmation message from Apple or Google, then log into Aspire's web dashboard to confirm Premium is no longer active.

Warning: Cancelling through Apple or Google does not automatically notify Aspire. If you see a Premium charge after cancelling through an app store, contact Aspire support immediately and provide your Apple or Google cancellation confirmation as proof.

What happens immediately after you cancel

Cancellation can feel disorienting because your account doesn't vanish-it transforms. Here's exactly what you can and cannot access once you click that confirmation button.

Your account and card access

When you cancel Premium, Aspire downgrades your account to the Basic plan instantly. You retain full access to your multi-currency accounts, transaction history, and any physical or virtual cards you've already created. Your SGD, USD, GBP, and EUR balances remain untouched, and you can still send and receive international payments-you simply lose Premium perks like priority support and the 5 free monthly transfers.

Virtual cards you've issued under Premium remain active, but you can no longer create new virtual cards in unlimited quantities. Basic limits you to far fewer free virtual cards per user, so if you've relied on creating cards for every vendor, you'll notice this restriction immediately.

Physical cards issued under your Premium plan stay active and usable. You don't need to destroy or deactivate them unless you choose to do so.

Billing and prorating

Aspire bills Premium on the 1st of each calendar month. If you cancel mid-month-say, on the 15th-you may receive a prorated credit for unused days. This credit will appear as a negative balance in your account or be refunded to your linked bank account within 5 to 7 business days, depending on your bank's processing speed.

Keep all invoices and statements after cancellation. Stopee advises retaining these for at least 12 months for your tax records and as evidence if any dispute arises. Aspire continues to provide transaction history and account data per its standard retention policies, even after you downgrade or cancel.

Refunds and money-back guarantees

The refund situation at Aspire is straightforward but requires you to take action yourself. Stopee will walk you through what you can recover and how long it typically takes.

Premium subscription refunds

Aspire does not offer an automatic money-back guarantee for Premium cancellations. If you change your mind within days of signing up, you are not automatically entitled to a refund under Aspire's published policy. However, you can request a goodwill refund by contacting Aspire support directly within 7 days of your first Premium charge.

Stopee recommends being honest and brief: "I signed up for Premium on [date] but realised it doesn't suit my current needs. Could you please refund my first month?" Many fintech companies process these requests as a gesture of good faith, especially if you act quickly. If Aspire declines, you can then invoke consumer law and file a complaint with CASE if the service was misrepresented to you.

Card refunds and merchant reversals

If you've made purchases on your Aspire card and requested a refund from the merchant, the timeline depends on the merchant and their bank, not Aspire. Once a merchant approves a refund, the funds travel through the card network (Visa or Mastercard) and back to Aspire, then Aspire deposits the money into your account.

1. Merchant processes refund request: 3 to 5 business days.
2. Card network processes reversal: 5 to 10 business days.
3. Aspire receives funds and credits your account: 1 to 2 business days.
4. Total time from refund request to money back in your Aspire account: 2 to 4 weeks.

Pro tip: Contact the merchant first, not Aspire. Aspire cannot speed up a merchant refund; only the merchant's bank can. If a refund is overdue beyond 4 weeks, follow up with the merchant directly.

App store and google play refunds

If you purchased Premium through Apple App Store or Google Play, you are eligible for a refund under their respective policies. Apple typically allows refunds within 48 hours of purchase; Google offers similar windows for subscriptions. Contact Apple Support or Google Play Support directly with your transaction ID and request a refund for the Aspire subscription charge.

Common mistakes when cancelling aspire

Cancelling feels simple, but small oversights can leave you charged, confused, or worse-unable to prove you actually cancelled. Stopee has helped thousands of consumers spot and avoid these traps, and we want you to join that list of informed cancellers.

Mistake 1: assuming account closure equals cancellation

You deleted the Aspire app from your phone. You thought that meant you cancelled. It didn't. Deleting the app is not the same as cancelling Premium; your subscription remains active and you are still charged S$15 every month. The only way to stop charges is to actively cancel through the web dashboard or app store settings, then confirm via email.

Mistake 2: cancelling via app store but not checking the web

You cancelled Aspire Premium on Apple, received confirmation, and assumed you were done. But the app store confirmation doesn't always sync instantly with Aspire's web dashboard. Log into Aspire's website and verify that Premium is no longer listed as active. If you see "Premium: Active" still showing, contact Aspire support with your Apple cancellation email to force a manual sync.

Mistake 3: missing the prorated refund window

You cancel on the 28th of the month. Aspire owes you a prorated refund for unused days, but you never claim it. The refund sits unclaimed in your account balance, and when you eventually close your account months later, you forget to withdraw it. Ask Aspire support immediately after cancelling: "Will I receive a prorated refund, and if so, when?" Get it in writing so you have proof.

Mistake 4: not screenshotting the confirmation

You cancelled, felt relieved, and closed the browser. Two weeks later, another charge appears. You contact your bank to dispute it, but you have no proof you ever cancelled. Stopee always recommends screenshotting the cancellation confirmation page and saving the confirmation email. This evidence protects you if Aspire claims you never cancelled or if your bank asks for proof during a chargeback dispute.

A checklist for cancelling aspire confidently

Before you cancel, print or bookmark this checklist. Work through it step-by-step to ensure nothing slips through the cracks. Stopee built this specifically to protect consumers like you from loose ends.

Where to find help if cancellation goes wrong

If Aspire refuses to cancel, continues charging after you cancel, or loses your refund, you have escalation options. Stopee encourages you to exhaust these before giving up.

Aspire's support channels

Contact Aspire directly through the support form on their website or via in-app messaging. Provide your account email, the date you initiated cancellation, and your cancellation confirmation (screenshot or email). Ask for written confirmation that your Premium subscription has been cancelled and that no further charges will occur. Keep copies of all support correspondence.

Escalation to CASE

If Aspire ignores your cancellation request or refuses a legitimate refund, file a complaint with the Consumers Association of Singapore (CASE). CASE is a statutory body that investigates consumer disputes for free. You'll need to provide your account details, cancellation proof, correspondence with Aspire, and a brief explanation of the issue. CASE's mediation often resolves disputes within 4 to 8 weeks.

Chargebacks via your bank

If Aspire continues charging after you cancel, contact your bank and request a chargeback for unauthorised or duplicate charges. Provide your bank with your cancellation proof, all charge statements, and evidence that you requested cancellation in writing. Most banks require evidence before processing a chargeback, so Stopee strongly advises gathering screenshots and emails first.

Aspire's official contact details

Aspire's registered office is located at 158 Cecil Street, #09-01, Singapore. A secondary location listed in business directories is 01 Syed Alwi Rd, #04-04, though this may be a prior or auxiliary office. When contacting Aspire, use the official support form or in-app messaging for fastest response. Email inquiries to Aspire should reference your account details and the specific issue-refund delay, cancellation failure, unexpected charges-so the support team can investigate accurately.

Take control of your aspire account today

Cancelling Aspire is a straightforward process once you know where to go and what to watch for. Whether you're downgrading to Basic, closing your account entirely, or requesting a refund, you now have the steps, warnings, and consumer protections you need to act with confidence. Stopee has helped thousands of consumers cancel subscriptions cleanly and recover money they thought was lost-and we're here to ensure you do the same. Document everything, follow the checklist above, and if Aspire resists, escalate to CASE. Your financial control is worth the extra few minutes of effort. Cancel with clarity, and reclaim your peace of mind.