Aspire vs Statrys.
Aspire (A70/100) 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. Aspire leads Statrys 7-1.
| A Aspire №37 · MAS 70 /100 | S Statrys №86 · Statrys Limited holds a Hong Kong Monetary Authority 43 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 43 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €88 /mo |
| FX markup Debit card abroad | 0.30% | 0.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank MAS | Payment inst. |
| Deposit guarantee Per depositor | €100,000 SG.SDIC | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 8 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.3 ★ 1k reviews | 4.4 ★ 1k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.4 ★ iOS 4.5 · And 4.3 |
| Read review → | Read review → | |
Pick Aspire if…
The APAC-first multi-currency business-account platform for SaaS startups and e-commerce sellers — SG-HQ MAS Major Payment Institution with native multi-currency accounts (USD/SGD/EUR/GBP/IDR + HKD/AUD/IDR/MYR) plus local-currency receiving in 30+ countries and local account issuance in 6 jurisdictions (SG, HK, US, UK, EU, AU). Built for APAC startups taking USD revenue who need a SGD operating account without the friction of running Mercury (US) + a SG-bank relationship side-by-side. Stripe + Shopify + Xero integration depth makes Aspire the structural fit for SaaS / e-commerce / fintech operators in the region. MAS-licensed Major Payment Institution status is the structural anchor.
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.
- Best for fees Aspire won 2 of 4
- Best for protection Aspire won 2 of 2
- Best for reach Aspire won 1 of 3
- Best for ux Tied
Aspire vs Statrys — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Aspire better than Statrys?
Under our v3 methodology, Aspire leads Statrys 7–1 across 12 dimensions. Composite scores: Aspire 70/100 vs Statrys 43/100. Aspire is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Aspire or Statrys cheaper?
Monthly fee — Aspire: €0; Statrys: €88. Card FX markup — Aspire: 0.30%; Statrys: 0.50%. Aspire 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, Aspire or Statrys?
Aspire holds a Partner-bank licence under MAS; deposit guarantee per depositor: €100,000. 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. Aspire is the stronger pick on regulatory protection.
Where can I use Aspire and Statrys?
Aspire operates in 8 countries; Statrys 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.