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

Pick Qonto if

• Fits if you run a company in France, Germany, Spain, Italy, Austria, Belgium, Portugal or the Netherlands
• Works for small teams that want account, cards and invoices in one place

Look elsewhere if

• Skip it if you run a US-only business, because the country picker lists only those European countries
• Tight if you do many transfers: past the monthly allowance each costs €0.20 on Basic and Smart
• Pricey if you send money abroad, with 0.8% (min. €5) on outgoing standard-currency international transfers on Basic and Smart
• Watch out: prices are in euros excl. VAT, and monthly billing prices were not shown
• Watch out: extra virtual cards cost €1 to €2 a month, and incoming SWIFT above €500 costs €5

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

Qonto

• Prices are in euros, excluding VAT, and the page shows monthly equivalents of annual plans; monthly billing exists but its prices were not shown.
• The country picker lists France, Germany, Spain, Italy, Austria, Belgium, Portugal and the Netherlands, so it is not for US-only businesses.
• Extra transfers cost €0.20 each beyond the monthly allowance on Basic and Smart, and extra virtual cards cost €1 to €2 a month.
• Incoming SWIFT transfers above €500 cost €5, and outgoing standard-currency international transfers cost 0.8% (min. €5) on Basic and Smart.

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.

Qonto

Business account with local IBAN

Sub-accounts on Smart and Premium each get their own IBAN, to separate budgets, taxes and activities.

Physical and virtual cards

Every plan includes physical and virtual cards; the One Card is included, with Card Plus (+€8 a month) and Metal Card X (+€20) as upgrades.

Transfers and direct debits

SEPA transfers, instant transfers and outgoing direct debits, plus international transfers in USD, GBP and CHF powered by Wise.

Invoicing and payments

Compliant electronic invoicing is on every plan, along with payment links, Tap to Pay and POS terminals for in-person payments.

Accounting and forecasting

Smart and Premium add accountant access, accounting integrations and cash-flow tracking and forecasting.

Account remuneration

Smart and Premium pay interest of 5% AER for 2 months, then 1.5% AER, with at least 5 eligible transactions a month.

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.

Qonto

• Basic€9

  per month excl. VAT, billed annually (€108 a year)

  Account with local IBAN, 30 transfers a month, 1 physical card and 2 virtual cards, payment links and e-invoicing.

• Smart€19

  per month excl. VAT, billed annually (€228 a year)

  Adds 1 sub-account, 100 transfers, 2 physical and 50 virtual cards, cash-flow forecasting and accountant access.

• Premium€39

  per month excl. VAT, billed annually (€468 a year)

  Adds 4 sub-accounts, 200 transfers, 50 Instant cards, subscription tracking, 0.56% FX and 7-day priority support.

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.

Qonto

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.