N26 vs Statrys.
N26 (N85/100) 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. N26 leads Statrys 9-1.
| N N26 №03 · BaFin 85 /100 | S Statrys №86 · Statrys Limited holds a Hong Kong Monetary Authority 43 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 85 /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 BaFin | Payment inst. |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DE | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 24 countries | 1 country |
| Crypto Coins available | 400 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 4.1 ★ 130k reviews | 4.4 ★ 1k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.8 · And 4.4 | 4.4 ★ iOS 4.5 · And 4.3 |
| Read review → | Read review → | |
Pick N26 if…
Pick if you want a German credit institution and a DE IBAN that every European employer recognises without question.
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 N26 won 2 of 4
- Best for protection N26 won 2 of 2
- Best for reach N26 won 3 of 3
- Best for ux Tied
N26 vs Statrys — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is N26 better than Statrys?
Under our v3 methodology, N26 leads Statrys 9–1 across 12 dimensions. Composite scores: N26 85/100 vs Statrys 43/100. N26 is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is N26 or Statrys cheaper?
Monthly fee — N26: €0; Statrys: €88. Card FX markup — N26: Interbank; Statrys: 0.50%. N26 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, N26 or Statrys?
N26 holds a Full bank licence under BaFin; 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. N26 is the stronger pick on regulatory protection.
Where can I use N26 and Statrys?
N26 operates in 24 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.