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FINANCIAL INSTITUTION INFORMATION PLATFORM

Review verifiable information about forex brokers, banks, fintechs, crypto exchanges and payment providers in one place.

Verify with the source.Wherever possible, information is matched against official registers and primary sources.
When was it checked?We clearly show when each critical piece of data was last checked.
Know the type of information.We classify user complaints, company statements and official records separately.
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The Sydney branch of Taiwan Business Bank (TBB), a Taiwanese bank focused on SME finance that also has a Brisbane branch in Australia; it offers deposits, loans, trade finance and remittances, and holds an ASIC AFS licence.

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BANKTaiwan Cooperative Bank Sydney Branch

The Sydney branch, opened on 20 September 2011, of Taiwan Cooperative Bank, founded in 1946 and owned by Taiwan Cooperative Financial Holding; it offers deposits, loans, trade and remittance services and acts as the bank's AUD clearing bank.

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PAYMENT INSTITUTIONTravelex

The Australian arm of the global foreign exchange brand Travelex, whose roots go back to a first store opened in London in 1976; it sells foreign cash and the multi-currency Travelex Money Card through airport and store networks and holds an ASIC AFS licence.

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HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

Aspire

Payment institution · Singapore

About the company

Legal company nameAFT AU Pty Ltd · AFT EU B.V. · AFT HK Treasury Limited · AFT US Capital LLC
Year founded—
Headquarters / registered countrySingapore
Websiteaspireapp.com/en-au/
Last checked09.10.2026

According to its official website, Aspire is a platform offering founders and growing companies business accounts, corporate cards and finance management tools; the site states that it serves more than 50,000 founders through its global hubs and features press coverage presenting the brand as a Singapore-based fintech. In Australia the products are issued by Sydney-based AFT AU Pty Ltd (ABN 64 670 972 997, AFSL 554582), part of the Aspire Group, which provides the multi-currency account, the Aspire Card, domestic and international payouts and FX conversion. The site highlights free local payments, holding balances in 13 currencies, corporate cards with uncapped 1% cashback on FX spend, QuickBooks and Xero integrations, expense and budget management and a fully online application; the Australian pricing page shows a monthly fee of USD 0. Other group entities include AFT EU B.V., an electronic money institution authorised by DNB in the Netherlands, AFT HK Limited and the SFC-licensed AFT HK Treasury Limited in Hong Kong, AFT US Capital LLC, an SEC-registered investment adviser in the United States, and AFT SG 2 Pte Ltd in Singapore; Aspire FT Pte. Ltd. in Singapore states that it holds a temporary exemption, not a licence, from the MAS for payment services. This information is the company's own statement.

Account Details

ACCOUNT TYPESBusiness accounts
MIN. DEPOSITNot stated
PLATFORMSAspire web platform · Mobile app
PRODUCTSMulti-currency business account · Aspire Card (corporate card) · Domestic and international payouts · FX conversion · Expense, budget and receivables management

Licences and regulation

ASIC (Australia)

Licence no.AFSL 554582
Licence holderAFT AU PTY LTD
ScopeAFS licence held since 6 Jan 2025. According to ASIC's record, it is authorised to provide general advice on and deal in foreign exchange contracts and non-cash payment products, and to make a market in foreign exchange contracts, for retail and wholesale clients.
StatusVerified

DNB (Netherlands)

Licence no.R197650
Licence holderAFT EU B.V.
ScopeListed in the DNB public register as an electronic money institution (PSD2 – Wft 2:10a); e-money issuance and payment service activities since 17 Sep 2025, cross-border services notified for the EEA since 1 Aug 2026.
StatusVerified

SFC (Hong Kong)

Licence no.BWA638
Licence holderAFT HK Treasury Limited
ScopeLicensed corporation in the SFC public register: Type 1 (dealing in securities), Type 4 (advising on securities) and Type 9 (asset management) active since 20 Oct 2025.
StatusVerified

SEC (United States)

Licence no.SEC 801-134095 · CRD 335448
Licence holderAFT US Capital LLC
ScopeApproved in the SEC IAPD register as an SEC-registered investment adviser; effective 20 Aug 2025, based in San Francisco, status active.
StatusVerified

C&ED (Hong Kong)

Licence no.—
Licence holderAFT HK Limited
ScopeThe company states that AFT HK Limited (Hong Kong registration no 75317450-000) is licensed by the Hong Kong Customs and Excise Department as a Money Service Operator. The record could not be verified because the C&ED register could not be read.
StatusPending verification

MAS (Singapore)

Licence no.—
Licence holderAFT SG 2 Pte Ltd
ScopeThe company states that AFT SG 2 Pte Ltd is licensed under the Securities and Futures Act for dealing in capital markets products (collective investment schemes) and providing custodial services. The record could not be verified because the MAS register could not be read.
StatusPending verification

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: July 2023 – October 2026

  • Withdrawal / payment: 21
  • Account / trading conditions: 8
  • Identity verification: 8
  • Customer support: 4
  • Other: 2

MEDIUM — COMPLAINT LEVEL

50% of institutions with complaint records received more complaints than this one.

BY TOPIC — Withdrawal / payment: High · Account / trading conditions: Medium · Identity verification: Very high · Customer support: Medium · Other: Medium

SOURCES REVIEWED

The complaint distribution is based on the 1-star reviews on Aspire's Trustpilot page (43) as of 9 October 2026; one person's reviews count once, and records about fake sites and third parties using the Aspire name are left out. Across the complaints, held or missing incoming and outgoing transfers, account applications rejected without explanation, and fees and account closures stand out.

Sources and verification history

Official company sourcesaspireapp.com — en-au homepage, About, Pricing, Financial Services Guide; en-sg, en-hk, en-nl and en-us footer disclosures
Regulator recordsASIC — AFT AU PTY LTD, AFSL 554582 (AFS licensee dataset, data.gov.au, 7 Oct 2026) · DNB — AFT EU B.V., R197650 (dnb.nl) · SFC — AFT HK Treasury Limited, BWA638 (apps.sfc.hk) · SEC — AFT US Capital LLC, 801-134095 (adviserinfo.sec.gov)
Company registerABN 64 670 972 997 (ABN Lookup)
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified09.10.2026

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