Rakuten Bank vs Statrys.
Rakuten Bank (R70/100) 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. Rakuten Bank leads Statrys 5-2.
| R Rakuten Bank №33 · JFSA 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 | Interbank | 0.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank JFSA | Payment inst. |
| Deposit guarantee Per depositor | Safeguarded No DGS | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | 4.4 ★ 1k reviews |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.2 | 4.4 ★ iOS 4.5 · And 4.3 |
| Read review → | Read review → | |
Pick Rakuten Bank if…
Largest Japanese internet-only bank by customer count (~14M+) and the only TSE Prime-listed pure-play net bank (TYO: 5838, IPO 21 April 2023 — the largest Japanese IPO in five years at the time). Originally chartered as eBank in 2001; acquired by Rakuten Group (TYO: 4755) in 2009. Structural moat is the Rakuten Points + Rakuten Card + Rakuten Securities + Rakuten Mobile + Rakuten Ichiba ecosystem — points cross-pollinate across the entire surface area. Full FSA Banking Act licence; statutory DICJ member at the JPY 10,000,000 ceiling.
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 Rakuten Bank won 2 of 4
- Best for protection Rakuten Bank won 1 of 2
- Best for reach Rakuten Bank won 1 of 3
- Best for ux Statrys won 2 of 2
Rakuten Bank vs Statrys — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Rakuten Bank better than Statrys?
Under our v3 methodology, Rakuten Bank leads Statrys 5–2 across 12 dimensions. Composite scores: Rakuten Bank 70/100 vs Statrys 43/100. Rakuten Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Rakuten Bank or Statrys cheaper?
Monthly fee — Rakuten Bank: €0; Statrys: €88. Card FX markup — Rakuten Bank: Interbank; Statrys: 0.50%. Rakuten 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, Rakuten Bank or Statrys?
Rakuten Bank holds a Full bank licence under JFSA; deposit guarantee per depositor: Safeguarded. 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. Rakuten Bank is the stronger pick on regulatory protection.
Where can I use Rakuten Bank and Statrys?
Rakuten Bank operates in 1 country; 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?
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