Qonto vs Statrys: Complete Comparison (2026)
An in-depth comparison of Qonto and Statrys to help you choose the right tool for your business.
Last updated: November 2026
Qonto
6.4/10
Qonto is a European online business account for freelancers and SMEs, combining a local IBAN, payment cards, transfers, invoicing, and expense tools.
Statrys
5.9/10
Statrys gives SMEs incorporated in Hong Kong and Singapore a multi-currency business payment account with cards, FX, invoicing, accounting services, and company secretary services.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 5.9/10 |
| Scalability | 6/10 | 5/10 |
| Analytics | 5/10 | 3/10 |
| Compliance | 6/10 | 6/10 |
| Integration | 8/10 | 5/10 |
| Security | 6/10 | 6/10 |
| Support | 5/10 | 8/10 |
| Cost | 6/10 | 7/10 |
| Customization | 5/10 | 4/10 |
| Ease of Use | 8/10 | 7/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | €9/mo Basic | HK$892/mo Accounting |
| Estimated cost for 10 users | €49/mo Essential | Free Business Account |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Corporate Cards | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Expense Management | Not listed | |
| Multi-currency | Not listed | |
Qonto vs Statrys cost by team size
| Team size | Qonto | Statrys |
|---|---|---|
| 1 user | €9/moBasic | FreeBusiness Account |
| 5 users | €49/moEssential | FreeBusiness Account |
| 10 users | €49/moEssential | FreeBusiness Account |
| 25 users | €49/moEssential | FreeBusiness Account |
| 50 users | €49/moEssential | FreeBusiness Account |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Qonto
- Higher Integration score (8/10 vs 5/10)
- Higher Analytics score (5/10 vs 3/10)
Why choose Statrys
- Has a free plan (Qonto does not)
- Higher Support score (8/10 vs 5/10)
- Higher Cost score (7/10 vs 6/10)
Pros & Cons
Qonto
Pros
- Low entry price: the Basic solo plan costs €9 a month, and every plan has a one-month free trial with no commitment.
- Team plans include unlimited users, so costs do not rise with headcount.
- A large integration directory covers DATEV, Sage, Tiime and Stripe, plus Zapier, Make and a public API.
- Accountants get unlimited access from the Smart plan, which makes bookkeeping handoffs easier.
- Reviewers on G2 and Capterra praise the interface and quick onboarding.
Cons
- Reviewers often report account freezes during compliance checks that hold funds for days.
- Support is described as slow or generic when an issue is complex.
- International transfers cost 0.56% to 1.8% with a €5 minimum, which adds up for businesses that pay in many currencies.
- Qonto is a payment institution, not a full bank, and offers no broad lending products.
- There is no full general ledger or financial statements, so a separate accounting tool is still needed.
Statrys
Pros
- Holds 11 currencies, including HKD and CNY, under one account number, which helps companies trading with Hong Kong and China.
- No monthly account fee as long as the business makes at least five outgoing payments a month.
- Low FX markups, starting at 0.1% on major currency pairs.
- One provider covers payments, cards, invoicing, accounting and company secretary services for Hong Kong companies.
- Support is handled by people rather than bots, in several languages, and Trustpilot reviewers frequently praise fast onboarding.
Cons
- Not a bank, so deposits are not insured, and eligibility mostly excludes companies incorporated outside Asia.
- No native batch payments, and forward FX hedging requires going through sales.
- Fewer currencies than Wise Business or Airwallex.
- Card and ATM transactions outside HKD cost 1.99%, and physical cards delivered outside Hong Kong and Mainland China cost HKD 300.
- No built-in general ledger or financial reporting; accounting is sold as a separate service.
Not sold on either?
Frequently Asked Questions
Qonto scores higher on our Finance Software criteria: 6.4/10 against 5.9/10 for Statrys. The largest gap is in Integration: 8/10 for Qonto and 5/10 for Statrys.
Statrys has a free plan; Qonto does not list one.
