Sony Bank vs Statrys.
Sony Bank (S69/100) 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. Sony Bank leads Statrys 5-2.
| S Sony Bank №41 · JFSA 69 /100 | S Statrys №86 · Statrys Limited holds a Hong Kong Monetary Authority 43 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 43 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €88 /mo |
| FX markup Debit card abroad | 0.15% | 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 | 4.1 ★ iOS 4.2 · And 4.0 | 4.4 ★ iOS 4.5 · And 4.3 |
| Read review → | Read review → | |
Pick Sony Bank if…
Japan's longest-running internet-only bank (operational since June 2001) — predates Rakuten Bank's eBank acquisition and tied with SBI Sumishin for first-net-bank tenure. The structural specificity is multi-currency forex strength: foreign-currency deposit accounts in 12+ currencies plus retail FX margin trading, the deepest retail-FX product among Japanese chartered net banks. Wholly-owned subsidiary of Sony Financial Group, in turn part of Sony Group Corporation (TYO: 6758). Sony Bank ≠ Sony Pay / Sony Mobile Wallet — the bank holds a full Banking Act licence, the wallet brands do not.
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 Sony Bank won 2 of 4
- Best for protection Sony Bank won 1 of 2
- Best for reach Sony Bank won 1 of 3
- Best for ux Statrys won 2 of 2
Sony Bank vs Statrys — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Sony Bank better than Statrys?
Under our v3 methodology, Sony Bank leads Statrys 5–2 across 12 dimensions. Composite scores: Sony Bank 69/100 vs Statrys 43/100. Sony Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Sony Bank or Statrys cheaper?
Monthly fee — Sony Bank: €0; Statrys: €88. Card FX markup — Sony Bank: 0.15%; Statrys: 0.50%. Sony 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, Sony Bank or Statrys?
Sony 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. Sony Bank is the stronger pick on regulatory protection.
Where can I use Sony Bank and Statrys?
Sony 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?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.