Statrys vs Wise Business (2026): which should you pick?
As of Nov 13, 2026, Statrys grades higher than Wise Business: 2.4 against 2.2 out of 4.0.
Checked Nov 13, 2026 · graded Nov 13, 2026 by ToolGPA
Statrys grades higher on the free plan. Wise Business grades higher on value for money 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.
Statrys
Multi-currency business account with accounting and company setup
Wise Business
Multi-currency business account for international payments
Which one is for you
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
Pick Wise Business if
- Fits if you pay suppliers or contractors abroad and want to see the fee before sending
- Works for businesses that get paid in several currencies and want local account details
Look elsewhere if
- Skip it if you want a monthly flat price, as fees depend on the currency and amount
- Tight if you receive USD wires or Swift payments: each costs a fixed $6.11
- Pricey if you use ATMs a lot: free up to $250 a month, then $1.95 plus 1.95% each
- Watch out: Wise says it isn't an FDIC-insured bank, and pass-through cover applies only to interest-earning funds
- Watch out: a volume discount only starts once conversions pass $25,000
How we grade them
| 2.4GPAStatrysFair | 2.2GPAWise BusinessFair | |
|---|---|---|
| Value for money | 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. | BA $31 one-time set-up fee is under a year of the category's middle subscription, but the fees on every transfer and conversion are where the real cost sits. |
| Free plan and trial | 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. | FNo free plan or trial. Opening the account is free, but account details in 22 currencies need the $31 fee. |
| Features | CMulti-currency account, cards, platform payouts, accounting services and company set-up. No receipt or approval features appear on the pricing page. | BInternational transfers, account details in 22 currencies, team cards, accounting sync and interest on balances. Nothing in the listing shows a gap in the core work. |
| Ease of use | CNo store rating on record. Opening a business account takes company documents and checks. | CNo store rating on record. You open the account, verify the business and set up currencies. |
| Platforms and integrations | BWeb, iOS and Android with Xero, Stripe, PayPal and Shopify. No desktop app. | BWeb, iPhone and Android, with QuickBooks, Xero and Sage. No desktop app. |
| Best for | a Hong Kong business account for cross-border firms | paying and getting paid in other currencies |
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: Statrys and Wise Business. How we grade
Where they differ
- Statrys also covers bookkeeping and expense tracking.
At a glance
| Statrys | Wise Business | |
|---|---|---|
| Pricing | Free plan | Paid |
| Starts at | HKD 891 per month and up (Accounting) | $31 one-time set-up fee, then per-transaction fees |
| Free plan | Business Account: zero monthly fees, with fees charged per payment, card use and currency exchange. | None |
| Free trial | None listed | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Statrys | Wise Payments Limited |
| Price read from | statrys.com | wise.com |
| Checked | Nov 13, 2026 | Nov 13, 2026 |
Worth knowing
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.
Wise Business
- Wise says it is not an FDIC-insured bank; pass-through FDIC cover of up to $250K applies only to interest-earning funds held at program banks.
- Receiving a USD wire or Swift payment costs a fixed $6.11; domestic non-wire payments in nine currencies are free.
- ATM withdrawals are free up to $250 a month; after that each one costs $1.95 plus 1.95%.
- Sending and converting fees differ by currency, and a volume discount starts once conversions pass $25,000.
Key features
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.
Wise Business
- International transfers
- Send money to other countries with fees that vary by currency and start from 0.23%. The site says BatchTransfer can pay up to 1,000 contractors at once.
- Account details in 22 currencies
- Receive payments from abroad in USD, EUR, GBP and other currencies. Receiving USD wire and Swift payments carries a fixed fee.
- Multi-Currency Cards for the team
- Physical and digital cards for staff, with custom spending permissions and team access settings.
- Accounting software sync
- Connects the account to accounting software, including QuickBooks, Xero and Sage Business Cloud Accounting, for reporting in each currency.
- Interest on balances
- An opt-in feature that pays a variable rate on USD, GBP and EUR balances. The page quotes 3.4% variable APY on USD.
Plans
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.
Wise Business
Wise Business account$31
one-time set-up fee
Opening the account is free; the one-time fee unlocks account details in 22 currencies. Transfers and conversions are charged per use.
Ways to pay less
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.
Wise Business
No public discounts listed.
Common questions
Which is cheaper, Statrys or Wise Business?
As of Nov 13, 2026, Statrys starts at HKD 891 per month and up (Accounting), and Wise Business starts at $31 one-time set-up fee, then per-transaction fees.
Which has a free plan, Statrys or Wise Business?
As of Nov 13, 2026, only Statrys has a free plan. Wise Business does not.
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.