Aspiration lets you spend, save, and invest with a conscience. With the Aspiration Spend & Save Account, you get cash back rewards, zero ATM fees worldwide, and earn a high interest rate – while knowing your deposits aren't funding pipelines and oil drilling.
Sign up for Aspiration Spend & Save in 5 minutes or less.
SPEND & SAVE ACCOUNT
• Get cash back rewards as you spend, with bonus rewards at socially conscious businesses
• Use any ATM in the world for free*
• Earn 2.00% APY Interest**
• Know that your deposits aren’t funding fossil fuel projects
• Deposit a check with your phone's camera
• Pay your bills or send a check to a friend
• Track your impact on people and the planet as you shop
• Choose the monthly fee you think we deserve — even zero
• We commit to donate 10% of earnings to charity
• Connect your Aspiration account to Apple Pay, Mint, Venmo & Paypal
• Track, buy or sell investments
• Sign in with Touch ID or Face ID (on supported devices)
• Two-factor authentication
• 256 bit encryption
Aspiration Spend is a non-interest bearing account with electronic transaction functionality. Aspiration Save is an interest-bearing account. Full disclosure about Aspiration Spend and Aspiration Save is available in the Spend & Save Supplement to the Customer Account Agreement.
*All ATM withdrawal fees will be waived for your Aspiration Spend & Save Account. In addition, your account will automatically be reimbursed for all ATM fees charged by other institutions while using an Aspiration Debit Card linked to your account at any ATM displaying the Mastercard®, Interlink®, Cirrus®, or Maestro® logos. The reimbursement will be credited to the account within 2 business days of the ATM fee debit. Please note, there is a foreign transaction fee of one percent that is not waived, which will be included in the amount charged to your account.
**The Annual Percentage Yield (“APY”) associated with the Aspiration Spend & Save Account is variable and accurate as of 2/19/2019. Rates may be changed from time to time without notice. To earn 2.00% APY in any calendar month, a deposit of at least $1 in that calendar month into any Aspiration banking or investment account, or a single end of day Aspiration Save balance of $10,000 or more during the calendar month is required. If neither of these is met, the APY will be 0.00% for that calendar month. Minimum deposit required to open a Save Account is $10.00. PWIF fees debited directly from the Save Account could reduce earnings.
Customers will earn Cash Back on all debit card purchases. Customers may also earn additional Cash Back for purchase made at selected merchants. Cash Back percentages are subject to change at any time without notice. Cash Back will be credited to customer’s Aspiration Spend Account once at the end of each calendar month. Aspiration reserves the right to reverse Cash Back transactions under certain circumstances and the right to terminate a customer’s Cash Back feature for any abuse of the feature. This Cash Back reward program is subject to change by Aspiration at any time without notice.
Aspiration Financial, LLC is an SEC-registered broker-dealer and member FINRA/SIPC. Aspiration Financial provides brokerage services and securities products. Its affiliate company, Aspiration Fund Adviser, LLC, an SEC-registered investment adviser, provides investment advisory services. Aspiration Fund Adviser, LLC and Aspiration Financial, LLC are subsidiaries of Aspiration Partners, Inc. Neither Aspiration Partners, Inc. nor any of its subsidiaries is a bank.
This is not an offer or solicitation in any jurisdiction where Aspiration Financial is not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction.
© Copyright 2019 Aspiration Partners, Inc.
- Bug fixes and performance improvements to keep your Aspiration experience running smoothly!
Ratings and Reviews
I just signed up for the Spend/Save account. What I didn’t realize is that I had a pending application for the Redwood fund from 4 years ago. What this means is that every time I open the app, the first thing I see is my pending application. What I really want to get to is my Spend and Save accounts but I have to scroll down below the giant “complete your application” part every time. This just won’t do for an app I plan to use multiple times a day.
I wrote support to see if they could cancel my pending application. They told me “sorry, no.” Completely unacceptable in this day and age when you can open an account anywhere and customer service is king. I wrote them saying that if it couldn’t be cancelled, I would like to close my aspiration accounts entirely since it’s so annoying to use the app. A different customer service rep then assured me that my pending application could be cancelled. 3 days went by and it was still there. When I wrote them to check in on status, yet another, different customer service rep replies, saying she’d be happy to close my aspiration account completely. What the heck? The amount of time and energy I have already spent to try and get this resolved is too much. So frustrating! And what a shame, seems like good products but I am unable to use them. Taking my business elsewhere.
Developer Response ,
Sorry to hear that! It is not possible to cancel the investment applications at this time and it's something we've push our developers to work on. We apologize for the inconvenience and miscommunication.
Worthless bank with useless staff
Aspiration is one of the most worthless and quite frankly, utterly useless “banks” I have ever encountered. Thankfully my unfortunate mistake of signing up with Aspiration; will be other people’s gain. I will have no problem describing what a pathetic joke the feeble attempt at providing customer service Aspiration and its intellectually deficient staff provide. I can only imagine how it would be nothing less than a total embarrassment if I had to admit to people; that I worked at, or was in any way associated, with such a disheveled, and unbelievably pathetic wreck of a company, that Aspiration truly is. Seriously. I would say that perhaps Aspiration can bilk their investors out of more money so that their totally incompetent and worthless robot customer service staff could be trained on what “customer service” actually means. Alas, I believe that would just be an exercise in futility. I simply cannot wait to be the first person in line to attend the party that will be held upon the news of this company’s inevitable, and 100% deserved, abject failure. I can hardly contain my glee because the thoughts of Aspiration being dissolved into total non-existence is a delight of which I will always be ready to enjoy. Always.
TL;DR - ASPIRATION AND ITS USELESS ROBOT CUSTOMER SERVICE STAFF ARE GARBAGE - JUST LIKE THEIR “PRODUCT”. STAY AWAY FROM THIS FRAUD!
Developer Response ,
Hi Christopher, it would be great to learn more about your experience and to understand why you are so unhappy with Aspiration and its customer support. We don't see any specifics here! Fortunately, we've ramped up the team and we now have immediate phone support for whenever you call in.
From Good to Terrible - Disappointing
I expected some hiccups when I signed up with Aspiration last year going from a big to “small” bank, but thought things could only get better and had high hopes for the kind of bank they “aspired” to be. I was wrong. I have had multiple account issues over the year including extremely slow transactions or balance updates and it was difficult/disappointing that they do not have 24/7 support, but at least during business hours they were easy to get a hold of and helpful. In the last month, it has completely fallen apart. They forced everyone to transfer their accounts and get new account numbers which creates a serious hassle having to switch EVERYTHING over from electric bills to car insurance payments. The actual money transfer was extremely confusing and my last paycheck was direct deposited into my old account due to an update delay by my employer. That money is inaccessible and I called Aspiration where I was on hold for 45 mins before being autoforwarded to voicemail. I did this twice and left two messages and ALSO EMAILED - all before 10am MST. Days later and I still do not have my paycheck or even an email or call from this “bank.” Extremely disappointing...
Developer Response ,
We can't thank you enough for your patience here. Our support team is here for you, so please keep an eye on your inbox, and you should be hearing back from us very soon.
With Family Sharing set up, up to six family members can use this app.