Wio vs Statrys.
Wio (W77/100) 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. Wio leads Statrys 6-2.
| S Statrys №86 · Statrys Limited holds a Hong Kong Monetary Authority 43 /100 | W Wio №13 · CBUAE 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 43 /100 | 77 /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 CBUAE |
| Deposit guarantee Per depositor | Safeguarded No DGS | €250,000 AE.DPS |
| 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 | 4.2 ★ iOS 4.4 · And 4.0 |
| 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 Wio if…
UAE-native digital full-bank, CBUAE-licensed since 2022. Backed by ADQ + Alpha Dhabi + Mubadala + e&. Instant onboarding via Emirates ID and a multi-currency core (AED + USD + EUR + GBP) make it the strongest local-licensed competitor to Liv. and Mashreq Neo. AE DPS cover under the new UAE Deposit Protection Scheme.
- Best for fees Wio won 2 of 4
- Best for protection Wio won 2 of 2
- Best for reach Wio won 1 of 3
- Best for ux Statrys won 2 of 2
Wio vs Statrys — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Statrys better than Wio?
Under our v3 methodology, Wio leads Statrys 6–2 across 12 dimensions. Composite scores: Statrys 43/100 vs Wio 77/100. Wio is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Statrys or Wio cheaper?
Monthly fee — Statrys: €88; Wio: €0. Card FX markup — Statrys: 0.50%; Wio: Interbank. Wio 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 Wio?
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. Wio holds a Full bank licence under CBUAE; deposit guarantee per depositor: €250,000. Wio is the stronger pick on regulatory protection.
Where can I use Statrys and Wio?
Statrys operates in 1 country; Wio 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.