Save the Planet,
Earn up to 2.00% APY

  • Zero ATM fees worldwide
  • Cash back on all debit card purchases
  • Deposits are fossil fuel-free

The Aspiration Spend & Save Account is a cash management account offered by Aspiration Financial, LLC, a broker dealer, not a chartered bank. Deposits are not used for fossil fuel exploration or production.

With Aspiration Spend & Save, get the world’s first cash back account that lets you track the impact of your spending - all managed through one intuitive app.

What People are Saying...

What is Spend & Save?

  • Debit card with cash back on every dollar spent
  • Free access to every ATM in the world
  • Up to 2.00% APY on savings


  • Your deposits are FDIC-insured
  • No hidden fees! Pay us a monthly fee you think is fair
  • Extra cash back for spending at socially-conscious businesses

Pay What is Fair

At Aspiration, we always put our customers first. You can be sure because we trust you to Pay What is Fair - even if it means zero. 

We are committed to “All Extra Services Provided at Cost,” meaning that we’ll only charge you what it costs us to provide the extra service, and not a penny more. A schedule of charges can be found here.

How it Works

Sign up today
to explore your account.

Make a deposit
of $10 minimum.

Get your debit card
in 7 to 10 business days.

Start saving more and spending smarter.

 AIM Score

Get Rewards for Spending Smarter

It’s like a carbon footprint—for your cash. See how the companies you spend with score on their treatment of employees and the environment, every time you log in to your account.

Earn extra cash back rewards for shopping smarter!

AIM Score

Save the Planet

Now there’s a new way. At Aspiration, your deposits will never go towards funding fossil fuel projects, firearms, or political campaigns.

Save the Planet

Save the Planet

“The four biggest global bankers of fossil fuels are all U.S. banks — JPMorgan Chase, Wells Fargo, Citi, and Bank of America.”1

Banking on Climate Change 2019, Press Release 3/19/2019
Deposits in your Aspiration account are FDIC-insured✝︎ up to $2 million per depositor by being swept to FDIC Member institutions. For details, visit
Want to learn more?
Visit the Questions & Answers page!

Check the background of Aspiration Financial, LLC on FINRA’s BrokerCheck: