Aspiration review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Aspiration suits anyone in the US who wants an easy-access savings account paying a variable rate of 1% to 3.25% on a balance they can draw on at any time. Your deposits sit under FDIC up to USD 250,000, and there is no minimum balance to maintain.
Key facts
- Best for
- Easy-access saving in the US with no minimum balance and no standing charge.
- Monthly fee
- $0↗
- Deposit protection
- FDIC up to USD 250,000↗
- Currency conversion fee
- 1%↗
- Transfer fee
- $10 domestic and international wires↗
- Legal entity
- Mission Financial Partners, LLC↗
- Headquarters
- United States↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals, Digital-only
- Official website
- greenfi.com
Pros and cons
Pros
- It is a no monthly fee account, with a monthly fee of $0.
- Unlimited free Allpoint ATM withdrawals, plus a minimum deposit of $0 so you can start small.
- Deposits sit under FDIC up to USD 250,000, so the balance is covered by federal deposit insurance.
Cons
- Currency conversion costs 1%, which is more than the Varo Visa Debit Card charges at 0%.
- Wires cost $10 domestic and international wires.
- The headline rate of 1% to 3.25% sits on a variable rate, so returns can move either way.
Who it suits
- People in the US who want easy-access saving with no minimum balance and no standing charge.
- Savers happy with a variable rate and on-demand access rather than a fixed term.
- Anyone comfortable running the account digitally and paying a little when converting currency.
Who should look elsewhere
- Not for people who convert currency often: the fee here is 1%, and the Varo Visa Debit Card charges 0%.
- Not for savers who want a fixed-term return, since the rate type is variable; compare Crezu ES, whose monthly fee is €0, if you want a different account setup.
How Aspiration compares
9.1 vs 8.7
9.1 vs 8.6
9.1 vs 8.0
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9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.9- 9.1 vs 8.9
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9.1 vs 8.1- 9.1 vs 8.1
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9.1 vs 8.0
9.1 vs 8.0
9.1 vs 9.1
Frequently asked questions
What does it cost to run the account each month?+
There is no monthly charge to keep the account open, and the monthly fee is $0. You also do not need a balance in place to keep things running, since the minimum deposit is $0. Wires and currency conversion are where charges do appear.
Is my money safe in an Aspiration account?+
Aspiration is a US service, and deposits are covered by FDIC up to USD 250,000, so your balance is protected by the federal deposit insurer up to the stated limit. The account kind is easy access, so the money stays available for withdrawals whenever you want it.
What rate do I earn, and can it change?+
The headline rate is 1% to 3.25% and the rate type is variable, so the figure can move rather than being locked to a fixed term. Since the account kind is easy access, you are not tied into a notice period or a fixed term deposit.
Can I take out cash, and what do ATM fees cost?+
You get unlimited free Allpoint ATM withdrawals, and out-of-network ATM fees may apply if you use a machine outside that network. The features listed for the account are free atm and digital only, so free ATM access is part of the setup rather than a small monthly allowance.
How much does it cost to send a wire transfer?+
Sending money by wire costs $10 domestic and international wires. The same charge applies to domestic and international wires, so sending money to family abroad costs what a local wire does. Other ways of moving money do not carry this charge.
What does it cost to convert currency?+
Currency conversion costs 1% on the account. That is higher than the Varo Visa Debit Card, which charges 0%, so if conversion is your main ongoing cost, a different account suits you better. Spending in your home currency is unaffected.
Who operates the account?+
The account is run by Mission Financial Partners, LLC and it is based in the United States. It is an easy-access savings account, so the balance is held for saving and the headline rate is what it pays while the money stays available.
How do I reach the team for help?+
Support runs on email, phone and help centre, so you can reach a person by email, by phone or through the help centre. The service is listed as digital only under free atm and digital only, which suits you if you are happy to manage the account in an app.
Sources
- greenfi.com/2024-privacy-notice checked September 26, 2026
Backs: Headquarters, Legal entity
“GreenFi One Embarcadero Center, Suite 1200 San Francisco, CA 94111”
- greenfi.com/checking-savings checked September 26, 2026
Backs: Deposit protection, Features, Headline rate, Rate type
“Unlimited fee-free withdrawals at over 55,000 Allpoint ATMs”
- greenfi.com/checking-savings-fees-schedule checked September 26, 2026
Backs: Access terms, Currency conversion fee, Transfer fee
“ATM use is free and unlimited, at Allpoint ATMs only. Transaction amount caps may apply. ATMs not included in the Allpoint network are considered out of network and customers may be charged a fee”
- greenfi.com/contact-us checked September 26, 2026
Backs: Support channels
“Call Us: 800-683-8529 Mon - Fri: 6am - 6pm PT ... Email Us: support@greenfi.com ... Questions & Answers”
- greenfi.com/no-hidden-fees checked September 26, 2026
Backs: Minimum deposit, Pricing model, Monthly fee
“Enjoy no maintenance fees on standard accounts, plus no minimum balance, ACH, transfer, or overdraft fees.”
- greenfi.com/savings checked September 26, 2026
Backs: Account kind
“High-yield savings account ... Get up to 3.25% APY”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Currencies.
Related by the facts
Aspiration
Easy-access saving in the US with no minimum balance and no standing charge.