How long does it take for the funds to reach my USD account?

The delivery time depends on the transfer method used by the sender. You can top up your USD account in 2 main ways:

  From USA

From 180+ countries

(with "*" are not included)

Account No. To USD Local Account To USD SWIFT Account
 Transfer Methods


ABA/Fedwire Transfers

SWIFT Transfer 
Speed 1-2 days* 2-5 business days*
Transfer Limit

ACH: $5M

ABA/Fedwire: $1M

No limit
Currency USD Supported currencies
Aspire Fees $0


FX Rate -

Best rates up to 3x cheaper than banks

*Subjected to compliance checks. Admins and Finance users will be notified if further documents or information is needed before we credit the funds. Click here to learn more.

If the expected delivery time for funds to be reflected in your account has exceeded, please request a transfer receipt or MT103 (for transfers via SWIFT) from your sender.

As the receiving party, our payment partner has limited visibility on inbound transactions. We strongly advise that you reach out to the sender and request them to issue a trace of funds through the sending bank.


Please be informed that we received feedback that funds received via HSBC are, in some instances auto-converted to GBP during the transaction process. However, as your account only supports USD currency, the funds will be auto-converted from GBP back to USD once they are received into your Aspire account.
To avoid double conversion when receiving from HSBC, please request your sender to add "Do Not Convert" in the payment reference field.


Questions? Please let us know here or chat with us during business hours (Mon - Fri, 9.30 AM - 6:30 PM SGT) by clicking on the green chat bubble on the lower right-hand side.