Aspire vs Statrys (2026): which should you pick?

Pick Aspire if

• Fits if you run a US company from another country
• Works for small teams that pay suppliers and staff in several currencies

Look elsewhere if

• Not for you if your staff need physical cards, as the listing shows virtual ones only
• Tight if you'd rather not settle the charge card in full every day
• Watch out: accounts in currencies other than US dollars are run from Hong Kong and aren't FDIC insured
• Watch out: Aspire says it isn't a bank, and Treasury balances carry a yearly fee from 0.15%
• Skip it if you want an API or a desktop app, as neither is listed

Pick Statrys if

• Fits if you run a Hong Kong company that sends and collects in several currencies
• Works for online sellers paid through Stripe, PayPal or Shopify

Look elsewhere if

• Skip it if you need receipts or approvals, as the pricing page lists none
• Pricey if you send SWIFT payments, at HKD 85 each, with overseas card use at 1.99%
• Watch out: prices are the Hong Kong ones, and the page has a country selector
• Watch out: foreign exchange is charged from 0.1%, and extra physical cards cost HKD 39 a month each

Aspire

• Aspire earns on use: currency conversion from 0.22% above the mid-market rate, $5 or $15 per outgoing SWIFT transfer, and a yearly fee from 0.15% on Treasury balances.
• Aspire says it is not a bank: US deposits sit at Column N.A., and its charge card, issued by Column under a Mastercard license, must be paid in full daily.
• Accounts in currencies other than US dollars are run by Aspire's Hong Kong company and are not FDIC insured.
• Besides the US, Aspire has sites for Australia, Canada, China, Hong Kong, the Netherlands, Singapore and the UK; procurement is offered on request.

Statrys

• Prices are in Hong Kong dollars and are the Hong Kong ones; the pricing page has a country selector.
• Per-use fees on the Hong Kong page include HKD 85 to send a SWIFT payment, HKD 60 to collect one and 1.99% on overseas card use.
• Foreign exchange is charged from 0.1% on major currencies; extra physical cards cost HKD 39 a month each.
• It is a business account with accounting services rather than an expense-report tool; there are no receipt or approval features on the pricing page.

Aspire

US business account

Deposits held at Column N.A., with ACH, wire, check and real-time transfers at no fee and no minimum balance.

Multi-currency accounts

Hold and pay in 13 currencies including euros, pounds, Canadian dollars and yuan, with conversion from 0.22% above the mid-market rate.

Corporate cards

Virtual cards for spending in 150+ currencies, with spend limits, currency and merchant restrictions, and 1.5% cashback on eligible spend.

Bills and budgets

Payables come in through automated invoice capture, and budgets set enforceable limits for each team.

Expense claims

Employees scan receipts in the Aspire app, missing receipts are requested automatically, and claims are reimbursed from the Aspire account.

Accounting sync

Card payments, claims and receipts sync to Xero, QuickBooks and NetSuite, with account and tax fields filled in before syncing.

Statrys

Multi-currency account

Holds HKD, USD, EUR, CNY, GBP, SGD, JPY, AUD, CHF, NZD and CAD, with local currency accounts in several European countries, Australia and the UK.

Payment cards

Virtual cards are free to issue and maintain. Physical cards work online, in stores and at ATMs, with fees for extra cardholders and overseas use.

Payouts from platforms

The account can receive payouts from Stripe, PayPal and Shopify and connects to Xero for bookkeeping.

Accounting services

A paid service records transactions, prepares reports and filings, and is sold separately from the account.

Company set-up

Registers a company in Hong Kong or Singapore, with a registered address and statutory filings such as annual returns handled.

Account managers

Two account managers are included with every service at no extra cost.

Aspire

• Basic$0

  No monthly fee. Free US transfers, 13 currency accounts, virtual cards, bills, budgets, claims and invoices; you pay FX and SWIFT fees as you use them.

Statrys

• Business AccountHKD 0

  no monthly fee; fees per payment

  Multi-currency account with virtual cards, a Xero link and a dedicated account manager. Per-use fees apply.

• AccountingHKD 891

  per month and up

  Pay-per-use bookkeeping, reports and filings with no monthly commitment; the price depends on the business.

• Corporate ServicesHKD 8,750

  set-up price; billing period not shown

  Hong Kong or Singapore company set-up with statutory filings handled; HKD 7,875 until November 30.

Aspire

No public discounts listed.

Statrys

• Other savings

  Corporate Services HKD 7,875 until November 30

  The pricing page shows Corporate Services at HKD 7,875 against a standard HKD 8,750, with the offer ending November 30.

• Other savings

  HKD 188 for 10 or more transactions in a month

  The pricing page says the account pays HKD 188 back when you make 10 or more transactions with it in a month.