What interest rates are offered for Aspiration Save?

Aspiration Save Accounts can earn 1.00% annual percentage yield (APY) interest (3.00% for Aspiration Plus subscribers) on the first $10,000.00 of their balance when certain conditions are met.

To qualify for 1.00% APY (3.00% with Aspiration Plus) on the first $10,000.00 in your Save Account in a particular calendar month, you must spend $500.00 or more with your Aspiration debit card within that month* and have an open and active Aspiration Save account on the date the interest is paid. Note that funds over $10,000 will earn 0.25% APY for Aspiration Plus subscribers only. Without Aspiration Plus, funds over $10,000 will not earn interest.

If the spending requirement is not met in a particular month, the APY for Aspiration Plus subscribers will be 0.25% on the first $10,000.00 of their Save Account balance, and 0.25% APY on any funds over $10,000.00. Standard accounts without Aspiration Plus will not earn interest if the spending requirement is not met in a particular month.

Interest for Aspiration Save is calculated based on an average daily balance and deposited into accounts once a month, usually by the fourth business day of the following month. The interest added to your total balance on a monthly basis is then considered part of your balance for future daily interest calculations, so it compounds monthly.

Other restrictions may apply. APY is subject to change and is variable. See the Aspiration Spend & Save supplemental disclosure on our policies page.

* Excluding Venmo, Cashapp and other third party money-transfer services

**information regarding average interest rate in USA for savings accounts

APY is variable and accurate as of 1/1/23. Rates may be changed from time to time without notice. To earn 1.00% APY (3.00% APY if customer is enrolled in Aspiration Plus) interest on Aspiration Save Account balances up to and including $10,000.00 in any calendar month, customer must have settled debit card transactions of $500.00 or more, monthly, with their Aspiration debit card. Debit card transactions for money transfer vendors (for example, but not limited to, CashApp, Venmo, Facebook Pay) do not qualify towards the $500.00 spend requirement. Balances over $10,000.00 will earn 0.00% APY (0.25% APY if customer is enrolled in Aspiration Plus). If the requirements are not met each month, the APY will be 0.00% APY (0.25% APY if customer is enrolled in Aspiration Plus) on Save Account balances up to and including $10,000.00.