How long to process incoming transfers?

The time it takes to process incoming transfers depends on the payment method.

Aspire accounts can receive funds through the following methods with different processing time for each:

  • Incoming Fast and Secure Transfers (FAST) are instantaneous.
  • GIRO or MEPS transfers take up to 1-3 business days.
  • Transfers with the PayNow details are near-instant.
  • The processing time for incoming SWIFT transfers depends largely on the platform used by sender. A SWIFT transfer typically takes 2-5 business days. Aspire would usually process the funds within 1 business day of receiving it.

Why is my transfer taking longer than expected?

Please note that as part of our efforts to serve you better, Aspire may conduct periodic reviews from time to time. While we will do our best to expedite these reviews, Aspire can not be held responsible for any delays arising from such reviews.


When sending funds to your account for the first time or receiving investment/funding, please notify us in advance and share supporting documents through this form.


Questions? Email us at or chat with us during business hours (Mon - Fri, 9.30 AM - 6:30 PM SGT).