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
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.
Dont do it
In the beginning everything was fine and dandy but Dan suddenly pink started going wrong one by one. Last week my card was compromised so I had asked for a new one in today the balance cannot be seen on the app or on the website I guess the bank is having problems with everybody so they make you tried to feel comfortable by saying that you can just call them and take care of the bank business through the phone
They’ve had technical difficulties in the past with me where I have deposited checks and they wouldn’t show for a while the payments take like two weeks to go through.
The only cool thing about this bank is that the refund it your ATM fees when you take out money from any ATM however you have to donate at least five dollars to them in order for these perks to be active anyways right now I’m very frustrated with this bank because they are taking forever to fix their technical problem which is being able to see your account balance and to be able to make transactions like make payments oh my word is do not do it I’m going to close out this bank
Developer Response ,
Thank you for your feedback and apologies for the bad experience! We wanted to address some of your issues. First of all, our customers have a choice to Pay What is Fair, from $0 to $10 as a monthly tip. Your Pay What is Fair setting must've been set at $5 and you can adjust it at any time. Also, you can email us, chat, or call in to order a new card. If you still need anything, please share your email on file and we would be happy to help!
All the best,
Great bank account, very easy to use
I originally opened an account with this bank because I was traveling out of the country. ATM fees back plus no fee for using your card internationally? SIGN ME UP! Now that I’m back in the US, I still use this bank. I love the green-awareness, the simplicity, the ability to use any ATM and be refunded the fees, the ability to still deposit checks even with no physical location, and the option to invest with only green-certified companies. I use to use a bank that partially rhymes with Donald Trumps favorite racist golf club and was SO happy to have found a much kinder, greener, more trustworthy bank that doesn’t charge you a fee for breathing. As long as this bank exists with its current business ethics, they’ll have my business.
With Family Sharing set up, up to six family members can use this app.