Overview / Commentary
4640 Admiralty Way
Marina Del Rey, CA 90292

The Aspiration Spend Account and the Aspiration Save Account are part of a cash management account offering of Aspiration Financial, LLC. This account that has no monthly fees and offers free worldwide ATM access. In fact, the interest rate on this Save account rivals the top savings accounts on the market. Upon the account's release, it was quickly labeled by many reputable news publications as the best checking account in the country. It’s hard to argue with this when considering its appealing combination of low fees and high interest. This account is FDIC insured through several program banks.

It’s worth noting that while this summary is dealing mostly with the deposit accounts available at Aspiration. Aspiration also offers a couple investment accounts that are aimed at middle-class consumers and seek to provide investment opportunities and advantages that traditionally are only available to wealthier consumers. Assets in these investment accounts are held by UMB Bank.

Aspiration’s consumer products are impressive, but equally impressive is the company’s commitment to giving back to the community. Through their “Dimes Worth of Difference” program, they donate 10% of their earnings to various charities that seek to advance economic opportunities for the less fortunate.

Aspiration is headquartered in Marina Del Rey, CA. Any US citizen or lawful resident over 18 can open an account.

Reviews (210)

Great So Far

Posted by: |

Wanted a way I could start a separate savings account for any emergencies, buying homes & such. I saw Aspiration popped up on my social media almost everywhere, so i got curious. Skeptical even after doing research, but so far its been a really great experience. I've been able to save, invest, help the planet and those in need of jobs. The notifications you get after a transation (planted a tree) is rewarding in a way. Like the title, Aspiration has been really great and im glad I found it to help me with what i need.

Complaint To Unlock My Account

For over one year my account was not frozen, buh now that i got my tax refund payment on the saving account, then i linked my greendot account with it to remove my money. Same account name, unfortunately you said the transactions failed and why do you have to lock my account without providing a way out to remove my money on it... That's why cash app was the best online banking because if your cash app was locked or closed, they will provide a way out to remove your money and lock their account.. You can not lock my account and lock my money.. That's not gonna be accepted and i will have to file this case if my account is not unlocked for me to remove my money on it.

Barely Works

Posted by: |

I've decided to end my relationship with Aspiration because it isn't working well anymore. When I transfer money from bank to bank or if I ask my mortgage or credit card company to get a payment from Aspiration, sometimes it fails. This last time, my mortgage company said there were no funds available in my Aspiration account even though there were and charge me $20. I had a failed payment with a credit card company about two months ago. This is an essential function for an online bank. I've had transfers choke for days and days. I have reached out to Aspiration before, but their customer service isn't as available or helpful as an online bank like Ally. As far as online banks, there are much better. This seems like barely a bank, maybe a college project that just is barely being held together with a few people, bubblegum, and tape.


I had Aspiration bank for a few years. I was basically satisfied until a few months ago when I had a charge I didn't recognize. I called to dispute the charge. They were great as usual, they froze the account and said they needed to investigate. Little did I know I would not have access to my funds for months. You would think I was a millionaire! It took them over 2 months to finally say the charge was erroneous AND they still would not release my funds saying that the account is still under investigation. I had to call 3 times to complain and ask them how I would have access to my funds. They had no answer at first other than to say the account is frozen! Then when I said that's unacceptable, I need to pay rent and bills, they said they could unfreeze my debit card and I could do a "one-time withdraw". Not exactly a solution since there is a cap on the amount you can withdraw from the ATM. Also when the account is frozen you cannot access your account online to even balance your checkbook! Needless to say I called and told them just cancel my account and send me my funds, they won't even do that!!



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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Aspiration Savings Account Rates

1.00%*-$10kAspiration Plus Save Account
OTHER TIERS: 0.10% $10k+

Aspiration is an Internet only bank and does not have branch locations. Its headquarters is located at 4640 Admiralty Way - Marina Del Rey, CA 90292

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