Aspiration Reviews

To open an account with Aspiration, you need to follow these steps:

1. Visit the Aspiration website.
2. Click on Get Started.
3. You will be asked to create a login and verify your identity.
4. After verification, you will need to provide some additional information to set up your account.
5. You will need to make a minimum opening deposit of $10.

Please note that Aspiration is an online-only platform, so all these steps are done online. Once your account is set up, you can manage it on the go with Android and iOS apps. Aspiration also offers various features like cash-back spending, high-yield savings, and more. They are also committed to being environmentally and socially responsible.

Remember, the information provided here is based on the data available as of 2024 and the process may vary slightly based on updates to the Aspiration platform. It's always a good idea to check the official website for the most accurate and up-to-date information.

Aspiration.com offers a Spend and Save account that has both checking and savings features. Customers can choose a basic account that has a "pay what is fair" monthly fee, which could be $0, making the account free. Alternatively, customers can opt for an Aspiration Plus account, which has a monthly fee and offers additional benefits including a higher interest rate on savings. That fee is lower if you pay annually.

Aspiration customers with a basic Spend and Save account can earn up to 1.00% on their savings, or they can earn up to 3.00% APY with the Aspiration Plus subscription add-on — which costs $7.99 per month or $5.99 per month if you pay for a full year in advance. Both APYs are available only on the first $10,000 in a customer’s Aspiration Save account. Customers must also spend $500 per month with their Aspiration debit card to earn the higher APY. Customers who have the basic account and spend less than $500 per month won't earn interest; those with Aspiration Plus who don’t meet the spending minimum will earn 0.25% APY.

Aspiration customers earn interest only on their savings balances, but they can also earn 3%-5% cash back on purchases made with Conscious Coalition retailers for basic accounts and 10% cash back with Aspiration Plus.

Please note that there are no monthly fees on some spending and savings accounts. However, there is no overdraft protection program, no cash deposit, no branch access, and requirements must be met to earn a strong savings rate.

The minimum balance for Aspiration is $10. This applies to both their individual investment accounts and the Aspiration Spend Account. If the account's value temporarily dips below $10 due to the performance of the fund, you do not need to take any action. However, if a sale of shares you initiate results in your account's value falling below $10, Aspiration asks that you place a buy order to bring your account's value back to or above $10 within thirty days. After this 30-day grace period, Aspiration reserves the right to redeem your account if the balance remains below $10.

To open an account with Aspiration, you can follow these steps:

1. Visit the Aspiration website.
2. Click on the "Get Started" button.
3. You will be asked to create a login and verify your identity.
4. After verification, you can choose the type of account you want to open. Aspiration offers various accounts like Spend & Save, Investing, and Retirement accounts.
5. You will need to make a minimum opening deposit of $10.

Please note that Aspiration is an online-only platform, so all these steps are done online. Also, Aspiration offers a unique Pay What Is Fair policy, where you decide how much to pay them, even if it's $0. They also offer various perks like cash back, high-yield savings, and more. They are also committed to being environmentally and socially responsible. For example, they offer the option to fund planting a tree with every card swipe.

Remember, it's always important to read and understand the terms and conditions before opening any financial account.

Yes, you can use your own ATM with Aspiration. Aspiration customers can use more than 55,000 Allpoint ATMs with no fees. If you are an Aspiration Plus customer, you get one out-of-network ATM fee reimbursed per month. However, if you use an out-of-network ATM, Aspiration doesn’t charge fees, but you’re still subject to operator fees. Please note that there are daily limits for ATM withdrawals for security reasons. For the first 7 calendar days, the ATM withdrawal limit is $500.

Aspiration.com is a non-bank financial institution that offers a variety of products and services. Their popular offering is the Spend and Save account, which combines features of both checking and savings accounts. Customers can choose a basic account with a "pay what is fair" monthly fee, which could be $0, making the account free. Alternatively, they can opt for an Aspiration Plus account, which has a monthly fee and offers additional benefits including a higher interest rate on savings.

Aspiration.com emphasizes eco-friendly features, offering cash back for spending with socially conscious businesses, the option to plant a tree with every debit card transaction, a personal impact score that measures the social and environmental effects of your shopping habits, carbon offsets for driving your car, and the promise that your deposits won’t fund fossil fuel exploration or production.

The Aspiration Save account allows customers to earn up to 1.00% on their savings, or they can earn up to 3.00% APY with the Aspiration Plus subscription add-on. However, customers must also spend $500 per month with their Aspiration debit card to earn the higher APY.

Aspiration customers can also earn 3%-5% cash back on purchases made with Conscious Coalition retailers for basic accounts and 10% cash back with Aspiration Plus. The company's mission is to create a positive social and environmental impact.

The Aspiration Plus account is a subscription service available to Aspiration Spend & Save customers for a fee. Customers enrolled in Aspiration Plus receive several benefits such as up to 3.00% Annual Percentage Yield (APY) on the first $10,000 in their Save Account, 10% cash back at mission-focused Conscience Coalition merchants, and Planet Protection which offsets the estimated CO2 emissions from driving your vehicle based on purchases at gas stations.

On the other hand, the basic Aspiration account earns no interest if your monthly spending is less than $1,000. It earns 3% APY on balances up to $10,000 when you spend $1,000 or more in a month. Additional savings beyond $10,000 do not earn interest. The basic account does not include the additional benefits offered by the Aspiration Plus account.

To sign up for an Aspiration account, you need to follow these steps:

1. Visit the Aspiration website.
2. Click on the Get Started button.
3. You will be asked to create a login and verify your identity. This typically requires your Social Security number, which is standard for any new financial account you sign up for.
4. After verification, you can choose the Aspiration Spend & Save Account which offers features like cash-back spending, high-yield savings, and eco-conscious options.

Please note that there is a $10 minimum opening deposit for the account. Once the account is open, you can manage it through the Aspiration app available on Android and iOS. Remember, Aspiration is an online-only platform, so all account management will be done digitally.

If you need more detailed instructions or encounter any issues, it's best to visit the Aspiration website or contact their customer service for assistance.

Yes, you can use your own ATM with an Aspiration card. Aspiration customers can use more than 55,000 Allpoint ATMs with no fees. Additionally, Aspiration Plus customers get one out-of-network ATM fee reimbursed per month. However, please note that there is a foreign transaction fee of one percent that is not waived when using foreign ATMs. This fee will be included in the amount charged to your account.

Aspiration.com offers a tool called Payments for sending money. This can be used to pay your bills or to pay a friend. The person or business you designate for payment will be mailed a paper check with your name and address printed on it. This service is free, and there's no limit to the number of payments you can send. In addition, you can schedule a one-time payment on their website or mobile app. You just need to log in to your account, navigate to your Aspiration Zero card, and click on “Make a One Time Payment”. Then, you can select your payment option, payment date, and payment source.