Mercury vs Statrys (2026): which should you pick?
As of Nov 13, 2026, Mercury grades higher than Statrys: 3.0 against 2.4 out of 4.0.
Checked Nov 13, 2026 · graded Nov 13, 2026 by ToolGPA
Mercury grades higher on value for money, the free plan and features. They get the same grade on ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Mercury
Business banking with cards, expenses, bill pay and invoicing
Statrys
Multi-currency business account with accounting and company setup
Which one is for you
Pick Mercury if
- Fits if you run a startup and want cards, bill pay and invoicing on a $0 account
- Works for companies that send USD payments and sync to QuickBooks or Xero
Look elsewhere if
- Skip it if you use Android, as only web and iPhone are listed
- Pricey if you want ACH debit invoicing at $0 or a relationship manager, which sit on Pro at $299 a month
- Watch out: Mercury isn't an FDIC-insured bank, as banking comes from Choice Financial Group and Column N.A.
- Watch out: non-USD international wires carry a 1% exchange fee and non-USD card transactions 3%
- Watch out: Books is $35 a month and Payroll $100 plus $50 a person, both waived only until 31 December 2026
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
How we grade them
| 3.0GPAMercuryVery good | 2.4GPAStatrysFair | |
|---|---|---|
| Value for money | BThe Mercury plan is $0, with Plus at $29.90 a month and Pro at $299 on yearly billing. The core is free, so the paid plans are optional. | CThe account has no monthly fee, with fees per payment. Accounting starts at HKD 891 a month, about $115, which is well above the category, so the grade stays in the middle. |
| Free plan and trial | AThe $0 plan has no monthly fee or minimum balance, with cards, expense management, invoicing and bill pay. A 30-day free trial of Plus is offered. | BBusiness Account has zero monthly fees, and you pay per payment, card use and currency exchange. One person could live on it, at a cost per use. |
| Features | BCompany cards, expense management, bill pay and payments, invoicing and accounting integrations on the free plan. Nothing in the listing shows a gap in the core work. | CMulti-currency account, cards, platform payouts, accounting services and company set-up. No receipt or approval features appear on the pricing page. |
| Ease of use | CNo store rating on record. You open a business bank account, which takes setup and verification. | CNo store rating on record. Opening a business account takes company documents and checks. |
| Platforms and integrations | BWeb and iPhone, with QuickBooks, Xero and NetSuite. No Android or desktop app listed. | BWeb, iOS and Android with Xero, Stripe, PayPal and Shopify. No desktop app. |
| Best for | online business banking for startups | a Hong Kong business account for cross-border firms |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Mercury and Statrys. How we grade
Where they differ
- Mercury also covers invoicing, payroll and bill pay.
At a glance
| Mercury | Statrys | |
|---|---|---|
| Pricing | Free plan | Free plan |
| Starts at | $29.90 per month, billed annually | HKD 891 per month and up (Accounting) |
| Free plan | The Mercury plan is $0 a month with checking and savings, cards, expense management, invoicing and bill pay. | Business Account: zero monthly fees, with fees charged per payment, card use and currency exchange. |
| Free trial | 30-day free trial of Mercury Plus | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Mercury | Statrys |
| Price read from | mercury.com | statrys.com |
| Checked | Nov 13, 2026 | Nov 13, 2026 |
Worth knowing
Mercury
- Mercury is not an FDIC-insured bank; banking is provided through Choice Financial Group and Column N.A., Members FDIC.
- Non-USD international wires carry a 1% currency exchange fee, and non-USD card transactions carry 3%.
- Mercury Books is $35 a month and Mercury Payroll is $100 a month plus $50 per person paid, both waived until Dec 31, 2026.
- Treasury, which pays up to 4.21% yield, is available only with a $250K Mercury balance, and Stripe fees apply to credit card invoice payments.
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.
Key features
Mercury
- Company cards
- Virtual and physical debit and credit cards, with custom spend limits, merchant-locked cards and duplicate subscription detection. Corporate credit cards earn 1.5% cashback.
- Expense management
- Employee cards with limits, automatic receipt matching for card transactions, custom categories and reimbursements, including mileage.
- Bill pay and payments
- Free domestic ACH, wires, real-time payments and checks in USD, plus payment by ACH debit or wire drawdown.
- Invoicing
- Unlimited invoices that accept card, Apple Pay, Google Pay, wire and ACH, with recurring invoices on paid plans.
- Accounting integrations
- Syncs with accounting tools such as QuickBooks, Xero and NetSuite.
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.
Plans
Mercury
Mercury$0
No monthly fees or minimum balance. Includes company cards, expense management, bill pay, invoicing and free USD ACH, wires and real-time payments.
Mercury Plus$29.90
per month, billed annually
Adds recurring invoices, ACH debit invoicing at $1 per transaction, unlimited 1099 filings, priority support and 6 months of free Xero.
Mercury Pro$299
per month, billed annually
Adds a relationship manager, ACH debit invoicing at $0 per transaction and NetSuite categorizations on top of what Plus has.
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.
Ways to pay less
Mercury
- Annual discount
15% off with annual billing
The pricing page toggle reads Annual Pricing (15% off), and was on by default when read. The monthly-billed price is not shown.
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.
Common questions
Which is cheaper, Mercury or Statrys?
As of Nov 13, 2026, Mercury starts at $29.90 per month, billed annually, and Statrys starts at HKD 891 per month and up (Accounting).
Which has a free plan, Mercury or Statrys?
As of Nov 13, 2026, both Mercury and Statrys have a free plan.
Which platforms do Mercury and Statrys run on?
As of Nov 13, 2026, only Statrys lists an Android app. Both list a web app and an iOS app. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.