Aspiration Pricing & Features Overview- Subscribed.FYI
Fintech and Banking


Aspiration offers sustainable banking with carbon offsetting, cash back for eco-purchases, high-yield savings, and low fees. Ideal for those who want their banking to align with their values and make a positive impact.


What is Aspiration?

Looking for a banking experience that aligns with your values? Aspiration isn’t just another bank; it’s a sustainable and socially conscious financial platform designed to help you manage your money while making a positive impact. With features that encourage saving, reward eco-conscious spending, and offset your carbon footprint, Aspiration empowers you to be financially healthy and environmentally responsible.

Why Choose Aspiration?

Seeking a sustainable and rewarding banking solution that aligns with your values? Here’s why Aspiration stands out:

  • Sustainable Banking: Plant trees and offset your carbon footprint with every swipe of your Aspiration debit card.
  • High-Yield Savings: Earn a competitive interest rate on your savings to grow your money.
  • Cash Back Rewards: Earn cash back rewards supporting sustainable businesses with your everyday purchases.
  • Low or No Fees: Enjoy a transparent fee structure with minimal or no monthly fees.
  • Mobile-First Banking: Manage your finances seamlessly through the user-friendly Aspiration mobile app.
  • Socially Responsible Investing (Optional): Invest your money in companies committed to positive social and environmental impact (with Aspiration Invest, a separate service).

Who is Aspiration For?

Aspiration caters to individuals who want their banking experience to reflect their values:

  • Eco-Conscious Consumers: Support sustainability efforts and offset your carbon footprint through your banking choices.
  • Socially Responsible Investors: Align your investments with your values (with Aspiration Invest).
  • Savers and Budgeters: Benefit from competitive interest rates and fee-transparency.
  • Tech-Savvy Users: Embrace the convenience of mobile-centric banking.
  • Anyone Who Wants to Make a Difference: Aspiration allows you to bank with a purpose and contribute to a positive future.

Aspiration goes beyond traditional banking, offering a sustainable and rewarding platform designed to empower you to manage your money while making a positive social and environmental impact. With its focus on sustainable practices, financial well-being, and rewarding eco-conscious choices, Aspiration is the perfect choice for individuals seeking to bank responsibly and build a brighter future.



6% Off on Subscription
6% Discount on Around Subscription Cost
6% Per Year

Pricing and Features

Product Tier

Spend & Save Aspiration Plan

Monthly Price


Yearly Price


  • 1% APY on Savings: Earn 1% APY with $500 debit transactions.
  • Cash Back: Get up to 3-5% cash back on select purchases.
  • Free ATMs: Access 55,000 free ATMs.
  • Mobile Account Management: Manage account with apps.
  • Early Payday: Receive payment up to 2 days early.
  • Environmental Contribution: Fund tree planting with each swipe.
  • Personal Impact Score: Evaluate shopping choices.

Spend & Save Aspiration Plus Plan

Monthly Price


Yearly Price


Monthly Price (Paid Yearly)


  • 3% APY on Savings: Earn 3% APY with $500 debit transactions.
  • Cash Back: Up to 10% cash back on Conscience Coalition purchases.
  • Free ATMs: Access 55,000 free ATMs.
  • Mobile Account Management: Manage account with apps.
  • Early Payday: Receive payment up to 2 days early.
  • Environmental Contribution: Fund tree planting with each swipe.
  • Personal Impact Score: Evaluate shopping choices.
  • Carbon Offsets: Offset car emissions with Planet Protection.
  • ATM Reimbursement: One monthly out-of-network ATM reimbursement.
  • Purchase Assurance: Coverage for damaged or stolen items within 90 days.



Streamlining Your Sustainable Banking Journey: Concluding Your Aspiration Account

As your financial goals and priorities evolve or you explore alternative banking solutions with a focus on sustainability, Aspiration offers a clear and efficient process to terminate your account. To ensure a smooth transition and avoid unintended charges, please visit this page.

Read More

Product FAQ

What are the key features of Aspiration that set it apart from traditional banks?

Aspiration offers several features that appeal to environmentally conscious consumers:

  • Sustainable Investing: Aspiration automatically rounds up your debit card purchases and invests that spare change into a portfolio that prioritizes environmental and social responsibility.
  • Cash Back Rewards with Sustainable Companies: Earn cash back rewards when you shop at companies Aspiration identifies as having positive environmental and social practices.
  • Fossil Fuel Divestment: Aspiration’s investment strategies generally avoid companies heavily involved in fossil fuels, aligning your finances with your environmental values.
  • High-Yield Savings Account: Aspiration offers a competitive interest rate on their Spend & Save account, potentially helping your money grow while keeping sustainability in mind.

These features cater to those who want their banking choices to reflect their environmental and social concerns.

Is Aspiration a real bank, or how does it work?

Aspiration itself is not a bank, but a financial technology (fintech) company:

  • Banking Partner: Aspiration partners with a reputable FDIC-insured bank to hold your deposits and secure your funds. This ensures your money is protected by the Federal Deposit Insurance Corporation, up to standard limits.
  • Mobile-Centric Banking: Aspiration prioritizes mobile banking through their user-friendly app. Manage your account, invest your spare change, and track your environmental impact, all from your smartphone.
  • Debit Card Transactions: Aspiration offers a debit card for everyday purchases and ATM withdrawals. You can also use the mobile app to manage your debit card settings and track spending.

While not a traditional bank, Aspiration leverages secure partnerships to provide core banking functionalities with a focus on environmental and social impact.

Are there any fees associated with using Aspiration?

Aspiration has a tiered fee structure:

  • Free Basic Plan: A basic free plan offers essential features like mobile banking, a debit card, and round-up investing for your spare change.
  • Aspiration Plus Plan: A monthly subscription plan unlocks additional benefits like higher ATM withdrawal limits, exclusive cash back offers, and increased interest rates on your savings.

Carefully consider the features included in each plan and your banking needs to determine if the free plan suffices or if Aspiration Plus offers valuable additional benefits worth the monthly fee.

How does Aspiration ensure the security of my financial information?

Security is a top priority for Aspiration:

  • Data Encryption: Aspiration utilizes strong data encryption technologies to protect your sensitive financial information.
  • Fraud Monitoring: They implement fraud monitoring tools to help identify and prevent unauthorized transactions on your account.
  • FDIC Insurance: As mentioned earlier, your funds are held by an FDIC-insured partner bank, offering an additional layer of security in case of unforeseen circumstances.

Aspiration prioritizes security measures to safeguard your financial information and provide peace of mind when managing your finances with them.

Can I easily transfer money between Aspiration and my existing bank account?

Aspiration facilitates transfers between your Aspiration account and other banks:

  • Account Linking: You can link your external bank account to your Aspiration app. This allows for easy transfers of funds between the two accounts.
  • Transfer Options: Initiate transfers from your Aspiration account to your linked external account or vice versa directly through the mobile app. Standard processing times might apply for transfers.
  • Potential Fees: While Aspiration itself might not charge fees for transfers, your external bank could have fees associated with incoming or outgoing transfers.

It’s always recommended to check with your external bank about any potential fees before initiating transfers between Aspiration and your existing account.

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