Aspire Hong Kong vs Statrys: Which is Better in 2025?

If you’re here to decide whether Aspire Hong Kong or Statrys is “better,” the honest answer is: it depends on your business. Both are strong, but neither is perfect for everyone.

Statrys leans into multi-currency control, transparent fees, and human support. Aspire leans into speed, card-led spend management, and automation. We both have different design choices with different trade-offs.

Recently, Aspire Hong Kong published their own “comparison” between our services. While comparisons can be helpful, theirs contains outdated information and partial details that could lead to the wrong conclusions. Before we look at the full feature breakdown, let’s set the record straight:

• Setup fees – We don’t charge an account opening fee for companies incorporated in Hong Kong, Singapore, or the BVI. Fees apply only to certain “special companies” (e.g., incorporated outside these jurisdictions, with complex shareholding, or in higher-risk industries).
• Monthly fees – Statrys has no monthly fee. The HKD 88 Aspire mentioned is an inactivity fee, applied only if fewer than five outgoing transfers occur in a month. Active clients never see this fee.
• FX rates – Aspire’s figures (0.4–0.6% above mid-market) are outdated. For our 11 major currencies, FX fees start from 0.1% above mid-market; for 7 other currencies, from 0.15%.
• 24/7 support – Aspire offers round-the-clock English support. At Statrys, every client has a dedicated account manager who already knows their business and can resolve issues directly. We prioritise accurate, personalised help over generic ticket queues.

With those points clarified, we can move on to a fact-checked comparison—covering features, fees, cards, eligibility, support, and real-world use cases—so you can choose the platform that best fits how your business runs day to day.

Statrys and Aspire both offer multi-currency accounts, real-time payment tracking, and integrations with tools like Xero and Shopify. They enable businesses to manage global transactions from a single platform.

Statrys lets you hold 11 currencies under one account number and supports payments to and from over 140 countries. With access to a dedicated trade desk for spot FX and support for PayPal and Stripe, it’s well-suited for SMEs handling frequent or high-value cross-border payments.

Aspire supports 5 currencies (HKD, CNY, USD, EUR, and GBP) and enables payments to and from more than 130 countries. Its focus is on automation, spend management, and ease of use. It integrates with tools like QuickBooks, NetSuite, Shopee, and TikTok,making it appealing to ecommerce and tech-driven businesses.

Statrys is the better choice for companies needing to manage a broader currency portfolio, supporting 11 major currencies such as HKD, USD, EUR, CNY, and GBP compared to Aspire’s 5. This, combined with streamlined account structures and advanced FX tools, makes it ideal for SMEs with frequent or high-value cross-border payments. Aspire remains a better fit for startups and regional businesses seeking automation and spend management as their top priorities.

Both platforms use flat fees for most services, helping businesses estimate costs more easily. Neither charges for account opening or standard monthly use, although Statrys applies an inactivity fee if fewer than five outgoing transfers are made in a month.

Statrys is more cost-effective for local payments in Hong Kong, offering free collections in HKD, CNY, and USD, and low outbound fees. Aspire also supports local HKD and CNY transfers via FPS for free, but CHATS transfers are more expensive, with a HKD 55 fee for sending and a HKD 15 fee for receiving.

via FPS for free, but CHATS transfers are more expensive, with a HKD 55 fee for sending and a HKD 15 fee for receiving.

FX pricing is where we differ most. Statrys publishes real-time mid-market rates with FX fees starting from 0.1% for 11 major currencies and from 0.15% for 7 exotic currencies. Aspire also uses mid-market rates and charges a flat FX fee of 0.18% on receiving and 0.18% on sending, which may offer predictable costs but could be higher for businesses handling large or frequent conversions.

Both providers let you issue physical and virtual cards and manage them in the app. Statrys issues one physical and up to four virtual prepaid Mastercard® cards per account, with an annual POS cap of HKD 600,000. ATM withdrawals are allowed up to HKD 120,000 a year at 1.99% per withdrawal, with a minimum of HKD 31. This smaller card footprint suits teams that want tighter control.

Aspire scales further with one physical and up to 50 virtual Visa cards. Published limits are USD 12,000 per transaction, USD 15,000 daily, and USD 200,000 monthly. ATM withdrawals are capped at USD 500 per day with a fee of HKD 40 plus the ATM bank’s charge. The 1% cashback on eligible digital marketing spend can materially benefit advertising-heavy businesses.

Both cards apply a 1.5% foreign transaction fee on top of the scheme rate. Choose Statrys if you value controlled issuance and maker-approver workflows with extras like free MT-103 and invoice software. Choose Aspire if you need many virtual cards and want cashback to offset spend.

Both Statrys and Aspire offer fully digital onboarding. Statrys typically completes approvals within three business days once documents are submitted, while Aspire’s timeline is not published but is positioned as fast. The signup process is straightforward for both, requiring standard company registration details and identity verification.

Statrys stands out by assigning a dedicated account manager to every business account, offering consistent and personalised support. This is especially valuable for SMEs that require direct assistance or help navigating complex transactions.

Aspire, on the other hand, reserves dedicated relationship managers for select enterprise clients like VC funds and Web3 businesses. While general users can still access support via in-app chat, email, and WhatsApp, the experience is more standardised and less personalised.

In terms of accessibility, Aspire offers round-the-clock English support and additional coverage in Mandarin and Cantonese during Hong Kong business hours. Statrys, meanwhile, supports a broader range of communication channels, including WeChat, and can serve clients in seven languages— English, Cantonese, Mandarin, French, Spanish, Hindi, and Thai—making it especially suitable for businesses with diverse, international teams.

Statrys records higher ratings, with reviewers often citing quick onboarding, transparent pricing, and responsive support that feels more personal than traditional banks. Many users highlight the benefit of dealing with a dedicated account manager who understands their business.

Aspire’s feedback is more mixed. Users like its clean interface and convenience for everyday payments, but some mention delays with international transfers and frustration over fees or service limits that were not fully clear at onboarding.

To add more context beyond aggregated reviews, we also spoke with a former Aspire customer about her direct experience. Here’s what she had to say.

There’s no clear-cut answer as to which business account is better. The right choice comes down to how your business manages payments, handles FX, and approaches customer service.

Here’s our recommendation to help you decide:

• Businesses incorporated in Hong Kong, Singapore, or the BVI that want to manage multiple currencies under a single account number
• Companies that need transparent FX rates and the ability to place spot conversion orders with support from a trade desk
• Teams that value having a dedicated account manager and the ability to reach support through multiple channels, including WhatsApp, phone, email, and live chat
• Users who want transparent, easy-to-understand pricing with no hidden charges
• SMEs that prioritise a stable multi-currency payment service and value a provider with a strong reputation for personalised support

• Companies that want to issue dozens of virtual cards (up to 50) linked to HKD or USD accounts
• Teams looking for cashback on eligible digital marketing spend
• Businesses that want basic expense management tools included in the platform, like receipt uploads and approval workflows
• Users seeking to integrate account and payment functions directly into their internal systems through APIs