Aspiration Spend, Save, Invest 4+

Save Money, Save the Planet


    • 4.7 • 27.9K Ratings
    • Free

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Earn up to 3.00% on savings, that's 9x the national average rate***

• Sign up for Aspiration to start spending, saving, and investing with a conscience.
• Withdraw your cash for free at over 55,000+ Allpoint ATMs
• Earn up to 3.00% APY with the Save account***
• Get paid up to 2 days early
• No credit check required

Aspiration is not accepting applications for the Aspiration Zero credit card at this time.
Existing customers may visit for full terms and conditions.

The Aspiration Spend & Save Account are cash management accounts offered through Aspiration Financial LLC (AFLLC), a registered broker-dealer and Member FINRA/SIPC.Aspiration Fund Adviser, LLC (AFA) is an SEC registered investment adviser. Aspiration Card Services, LLC (ACS) offers credit products. AFLLC, AFA, and ASC are subsidiaries of Aspiration Partners, Inc. (Aspiration). Aspiration is not a bank.

Aspiration Debit Cards are issued by Coastal Community Bank (CCB), Member FDIC, pursuant to a license by Mastercard International Incorporated (MCI). The Aspiration Zero Mastercard® is issued by Beneficial State Bank (BSB), member FDIC, pursuant to a license by MCI. The Aspiration Zero Mastercard® is offered by ACS. Aspiration and its subsidiaries are unaffiliated with BSB, CCB, and MCI.

Paid experiences may not be representative of others and is no guarantee of future success. Cash Back is subject to change at any time and without notice, including reversal of rewards for abuse, fraud, and other illicit activity. Additional terms, conditions, and restrictions apply. ATM use is free and unlimited at Allpoint ATMs only, transaction amount caps may apply. Find an Allpoint ATM at

*Enable Plant Your Change and Aspiration will round up qualifying debit card purchases to plant a tree. Funded trees can take up to 18 months to plant, allowing for time to set up nurseries, select/expand planting sites, take advantage of optimal planting seasons and accommodate for local/regional/country social, political and health considerations.

**Aspiration Plus’ Planet Protection offsets the estimated CO2 emissions based on fuel purchases at gas stations. Verified carbon offsets are purchased by Aspiration quarterly from all Planet Protection subscribers. This feature is bundled into the Aspiration Plus subscription and is not offered as a standalone feature that can be purchased separately.

***The Aspiration Save Account’s up to 3.00% Annual Percentage Yield (APY) with up to 9x the national interest rate is variable, subject to change, and only available after certain conditions are met. Visit for full terms and conditions.

This communication should not be construed as an offer, solicitation of an offer, or advice to buy or sell securities. Aspiration does not offer or provide investment, financial, tax, or legal advice. This is not an offer or solicitation in any jurisdiction where AFLLC or its affiliates are not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction.

Visit for additional terms and conditions of services.

© Copyright 2023 Aspiration Partners, Inc.

What’s New

Version 2.21.14

Thanks for using the Aspiration App! In this version, we've squashed some bugs and also improved performance.

Ratings and Reviews

4.7 out of 5
27.9K Ratings

27.9K Ratings

joshu1111 ,

Literally, the Best Online Bank

I love this service. They’ve made so personally I don’t even use a big bank. I don’t even use a local bank or credit union. Linked with CashApp you can do everything. The direct deposit works well. The check cashing has worked every time. If I need to add physical cash I just do it thru CashApp, where you can go to places like Walgreens or many convenience stores. I’m self employed, so it’s all easy as all my cash comes digital anyways. The processing times are lightning fast.

Not only that, any time I’ve had an issue, their customer service is super fast and responsive to resolve it quickly. I’ve only had a couple times where deposit was frozen for a day because of maintenance. The card is sleek. You can plant trees based on your preferences in plant your change, which rounds up purchases. I’ve planted almost 800 trees, and got $75 in rewards back. They also have a built in investment stock in red wood forests with great ROI. The savings account has better ROI than any traditional bank I’ve seen. The list goes on… they offset your gas with carbon credits with the pro subscription. The Allpoint ATMs are free. If I need cash, I just get cash back at automated terminal at grocery stores.

Long story short. Plant trees. Fast processing times. Replace your big fossil fuel powered bank. Bank on your terms.

Claydood ,

Blocked access to my money

Aspiration randomly had a need to lock down my account. A day later I receive an Email requesting to verify my identity by uploading a photo of my ID and bank statements from linked accounts. Problem is one of the linked accounts I closed and no longer have statements for. I still sent IDs and other bank statement along with a letter explaining I closed one of the accounts. 2 twos later I sent everything again. Now a werk has gone by and my account is still locked, I have bills now over due, getting charges late fees. Losing so much money because Aspiration is refusing to unlock my account. Customer support says they can’t help me because the verification department only has access. Can’t use my debit card, not sure if my direct deposit pay is even going into the account. No idea how much money I have, but I know I’m losing a lot of money because I can’t pay my bills and conduct business. Thanks a lot. Making Aspiration my primary bank was a hugely massive mistake an regret even using this Bank.

Sherrodmw ,


I’m not surprised the first review I read is a two star review about the inept customer service of this company. They offer promos for signing on with them as long as you spend a certain amount within a given time period. I could not transfer money to my account from my bank. Aspiration kept kicking it back. I called them about this multiple times letting them know I needed more time to spend the money because I couldn’t get money into my account. Everyone I spoke to said “we’re working on it” you’ll see an email with a decision soon. Soon became 4 months and no word. I called today and got irate enough to get an supervisors attention. They claim they sent an email to me and could see “I opened it but did not click a link to accept an extension for their promotion” I’ve scoured my inbox and can find no such email and if I had opened it, this review would not be happening. They say because Ii didn’t not click the link, they are not going to honor their promotion. They had no interest in helping, even though I was saying I would close my account. Close your account with Aspiration and find a brick and mortar bank that actually gives two craps, so when you have issues, you can look someone in the eyes and get your problems solved with real empathy. If you want apathy, customer service who either does not know what they’re doing or wants to just be lazy and empty promises, stay with these people.

Developer Response ,

We’re sorry to hear about your experience and appreciate you sharing this with us. We're forwarding this feedback to make sure our team is aware.

App Privacy

The developer, Aspiration, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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