Toss Bank vs Statrys.
Toss Bank (T78/100) and Statrys (S43/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Toss Bank leads Statrys 7-1.
| S Statrys №86 · Statrys Limited holds a Hong Kong Monetary Authority 43 /100 | T Toss Bank №11 · KDIC 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 43 /100 | 78 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €88 /mo | €0 Free tier |
| FX markup Debit card abroad | 0.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. | Full bank KDIC |
| Deposit guarantee Per depositor | Safeguarded No DGS | €50,000,000 KR.KDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.4 ★ 1k reviews | — |
| App store iOS + Android avg | 4.4 ★ iOS 4.5 · And 4.3 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick Statrys if…
The HK-primary SMB neobank with the deepest cross-Asia payment-corridor depth in the SMB category. USD-HKD and USD-CNY FX are structurally competitive, and the HK business-registration onboarding clears faster than DBS / HSBC HK Business for the typical SMB. HKMA-licensed MSO — funds safeguarded but NOT DPS deposit-insured.
Pick Toss Bank if…
Korea's third internet-only bank. Viva Republica subsidiary — operates inside the Toss super-app (~25M users). Full KFSC licence since 2021; KDIC cover. The mobile-app-native counterpart to Kakao Bank.
- Best for fees Toss Bank won 2 of 4
- Best for protection Toss Bank won 2 of 2
- Best for reach Toss Bank won 1 of 3
- Best for ux Tied
Toss Bank vs Statrys — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Statrys better than Toss Bank?
Under our v3 methodology, Toss Bank leads Statrys 7–1 across 12 dimensions. Composite scores: Statrys 43/100 vs Toss Bank 78/100. Toss Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Statrys or Toss Bank cheaper?
Monthly fee — Statrys: €88; Toss Bank: €0. Card FX markup — Statrys: 0.50%; Toss Bank: Interbank. Toss Bank wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Statrys or Toss Bank?
Statrys holds a Payment inst. licence under Statrys Limited holds a Hong Kong Monetary Authority (HKMA) Money Service Operator (MSO) licence, plus Trust or Company Service Provider (TCSP) authorisation for the HK incorporation-services arm. Customer funds are safeguarded under HKMA MSO rules — held in segregated accounts at HK-licensed banks — and are NOT covered by the HK Deposit Protection Scheme (DPS) which applies to chartered HK banks only. The structural trade-off versus a chartered HK bank (HSBC Business, Standard Chartered HK Business, or HKMA virtual banks like Mox / ZA Bank / Livi Bank with DPS cover) is the cross-Asia corridor depth and the SMB-customer onboarding speed. Verified 2026-05.; deposit guarantee per depositor: Safeguarded. Toss Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Toss Bank is the stronger pick on regulatory protection.
Where can I use Statrys and Toss Bank?
Statrys operates in 1 country; Toss Bank operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.