Statrys vs Aspire: Which Is Better for SMEs in Singapore 2026?

If you’re comparing Statrys and Aspire, you’re probably trying to find the better option. The reality is, there isn’t a clear winner.

Both offer business accounts in Singapore, but they’re built with different priorities in mind, which is why one can feel like a great fit while the other doesn’t.

This comparison will take a closer look at each provider, from features and fees to onboarding and support, so you can decide for yourself which one fits your business best.

Ultimately, the choice depends on whether you prioritise predictable international payments and direct support, or system-driven workflows.

Statrys is the better fit if you value control, predictable costs, and flexibility when sending larger payments, especially where FX margins matter. Aspire makes more sense if you prioritise reach, automation, and integrations, with PayNow offering added convenience for local Singapore payments.

It is also worth noting that local SGD transfers are not exclusive to PayNow. Statrys supports FAST for domestic payments, so the real difference is convenience, not access. If your local beneficiaries are already set up, PayNow becomes less important.

Statrys offers simpler, more predictable pricing, with no monthly fee and flat transaction costs as volumes change. Aspire can be cheaper for light usage or when its Premium allowances are fully utilised, but costs would increase quickly once you exceed those limits.

Both platforms offer a fully online application process. Aspire’s wider country coverage makes it easier for companies in more regions to apply, although onboarding can take slightly longer in practice. Statrys is more limited by jurisdiction but tends to offer a quicker, more predictable approval experience.

Statrys focuses on relationship-based support. Having a dedicated account manager means issues are handled by someone who understands your business, which is helpful when dealing with payments, compliance questions, or exceptions that need context rather than generic replies.

Aspire focuses on availability and self-service. Support hours are longer and extend into weekends, which can be useful for basic queries or urgent issues outside standard business hours. However, support is generally more channel-driven rather than relationship-based.

Reviews suggest that Statrys delivers a consistent experience for businesses that meet its eligibility criteria, with fewer reported issues after onboarding.

Aspire’s reviews reflect use across a wider range of business profiles. While many users report a smooth experience, some feedback points to operational issues after signing up.