OCTIS vs Aspire Yield vs other ways to earn on idle company cash in Singapore
Three money market fund routes and the old standby. What you earn, what it costs, and how fast you get cash back.
Last checked · 9 sources
Otty's short answer
On the rates each provider published, USD earns about 3.4% to 4.1% and SGD about 0.9% to 1.4% in money market fund products. T-bill and fixed-deposit rates change at each MAS auction and bank, so check the current rate. Aspire has the lowest platform fee on Premium. Airwallex has the highest USD rate on its top plan. Fund products are not deposits and are not covered by SDIC.
Side by side
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| What matters | OCTISHong Kong company + OCTIS global plan | Aspire Yield | Airwallex Yield | Wise Business returns | Fixed deposits and T-bills |
|---|---|---|---|---|---|
| Product type | OCTIS does not sell a yield product | Money market fund | Money market fund | Money market fund | Deposit or government bill |
| SGD return, net | Not applicable | Up to 1.15% Basic; 1.40% Premium | 0.89% to 1.38% by plan | 1.05% after fees | T-bill and FD: check current rate |
| USD return, net | Not applicable | Up to 3.38% Basic; 3.63% Premium | Up to 4.08% (Accelerate basis) | 3.55% after fees | Quote-based |
| Platform fee | Not applicable | 0.5% Basic; 0.25% Premium | In plan price; instant exit fee | 0.68% SGD; 0.44% USD, total annual | None for deposits |
| Fund manager fee | Not applicable | 0.16% a year | Not stated | Included in total fee | Not applicable |
| Access to cash | Not applicable | Next business day | Next business day; instant for fee | Usable same day to S$170,000 | Locked to tenor or maturity |
| Minimum | Not applicable | None | None | Not stated | Varies by bank |
| Currencies | Not applicable | SGD and USD | SGD and USD | SGD, GBP, EUR, USD | SGD mostly |
| Funds used | Not applicable | Fullerton cash funds | Fullerton SGD; Goldman Sachs USD | Lion Global; Fidelity | Bank or MAS |
| Who can use it | Not applicable | Singapore active NFEs; no US Persons | Airwallex account holders | Not stated for business | Bank or broker rules |
| Licence | Not applicable | AFT SG 2: SFA licensed | Airwallex Capital: CMS101830 | Via Wise Assets | MAS auction; bank deposits |
| SDIC cover | Not applicable | No | No | No | Bank deposits up to S$100,000 |
| Rate date | Not applicable | 6 Nov 2026 | 9 Nov 2026 | See Wise page | Check MAS and bank |
If you have staff, premises or local sales in this country, its own registration and tax rules still apply. OCTIS can help you arrange them.
Data sources & disclaimer: Comparison data was compiled from publicly available sources — including the competitors' own published pricing and feature pages — captured on 9 November 2026. Figures reflect the typical or advertised pricing at that time and may have changed since; plans, inclusions and prices vary by provider, region and promotion. OCTIS is independent and not affiliated with the named companies; all trademarks belong to their respective owners. This comparison is provided in good faith for general information only and is not professional, legal or financial advice — please verify current details with each provider before deciding.
Which one fits you
OCTIS · Hong Kong company + OCTIS global plan
Choose OCTIS if you want your company, accounts, banking and CRM in one place and earning on idle cash is secondary.
Aspire Yield
Choose Aspire Yield if your cash sits in an Aspire account and you want no minimum and no fixed term.
Airwallex Yield
Choose Airwallex Yield if you hold USD there and are on a higher plan where the quoted rate is best.
Wise Business returns
Choose Wise returns if you hold several currencies and want same-day access up to S$170,000.
Fixed deposits and T-bills
Choose a fixed deposit or T-bill if you can lock cash for months and want bank or government instruments.
What the table does not show
What the fund products pay
Aspire's yield page shows 7-day performance on 6 November 2026 of 3.88% USD and 1.65% SGD before Aspire's fee. After the 0.5% Basic fee, Aspire lists up to 3.38% and 1.15%. Premium at 0.25% lists 3.63% and 1.40%. Airwallex says up to 1.38% SGD and 4.08% USD on its top plan, quoted net, with the SGD figure assuming the S$399 Accelerate plan. Wise lists 1.05% SGD and 3.55% USD after fees. All rates move and none is guaranteed.
Where fixed deposits and T-bills stand
Singapore T-bill yields are set at each MAS auction, and fixed deposit rates by each bank, so we do not quote a figure that would date within days. Beansprout's write-up of the 4 November 2026 auction reported a 6-month cut-off of 1.86% and a best 6-month fixed deposit of 2.10% for S$10,000, but we could not confirm either on MAS or a bank page. Check the MAS auction results and ask each bank for a business quote.
What to check before moving money
Fund products can lose value, even if the funds hold short-term government and bank paper. Aspire's yield is open only to Singapore-incorporated companies that are active non-financial entities, and not to companies with US Persons. Aspire, Airwallex and Wise are not banks. Keep operating cash, such as payroll and tax, in a normal balance, and only move what you can wait a business day for.
Where OCTIS fits
Idle-cash income has to be booked correctly. OCTIS sells in Malaysia and Hong Kong only, so it does not file Singapore tax or keep Singapore books. If your Malaysian or Hong Kong company parks cash in a Singapore subsidiary's account, OCTIS bookkeeping can record the fund income and consolidate it with the home company's accounts. OCTIS is not a bank, does not hold money and has no partnership with any provider here. Ask about 10–30% off your current bill.
Frequently asked questions
How much does Aspire Yield pay?
As of 6 November 2026, Aspire lists up to 3.38% on USD and 1.15% on SGD on Basic, and up to 3.63% and 1.40% on Premium, after its service fee. Returns follow a money market fund, are variable and are not guaranteed.
Is Aspire Yield safe?
Aspire says its funds are relatively low-risk money market funds run by Fullerton Fund Management, but that capital may be at risk and value can fluctuate. It is an investment product, not a bank deposit, and is not covered by SDIC.
Aspire Yield or a fixed deposit?
A fixed deposit locks your cash for a term and may be SDIC covered up to S$100,000. Aspire Yield has no fixed term and next business day access, but the capital is not guaranteed. Compare quotes, since business fixed deposit rates are not published on the pages we read.
How fast can I withdraw from Aspire Yield?
Aspire says redemptions requested before the cut-off are available the next business day, not the same day. Airwallex gives next business day too, with an instant option for a fee. Wise says returns are usable straight away up to S$170,000 per day.
Can my Singapore company earn interest on a Wise or Airwallex account?
Yes, through fund products rather than interest. Wise Business lists 1.05% on SGD and 3.55% on USD. Airwallex lists 0.89% to 1.38% on SGD depending on plan. Both state that capital may be at risk.
Sources
Checked on the date above. Links open the provider's or regulator's own page.