Statrys Review 2026: The Full Stack Tested (Banking, FX, Accounting and Where It Breaks)

Statrys is a licensed Money Service Operator (MSO) in Hong Kong, regulated by the Hong Kong Customs and Excise Department. It is not a bank. The Statrys terms and conditions are explicit on this point: clause 1.2 states "We are not a bank" and clause 1.4 states "Your Statrys Account or Virtual Business Account is not a bank account."

That distinction matters. As an MSO, Statrys is regulated for payment services and FX, but funds held in a Statrys Business Account are not covered by the Hong Kong Deposit Protection Scheme. Safeguarding is provided through a different mechanism: customer funds are held in segregated accounts at partner banks rather than commingled with operating funds. This is the standard EMI and MSO safeguarding pattern.

Group structure: entities in Hong Kong, Singapore, the UK and Thailand; offices in Hong Kong, Singapore, Bangkok and Paris

The Statrys group operates through legal entities in Hong Kong (Statrys Limited, the HK MSO licensee), Singapore (Statrys Singapore Pte. Ltd, the MAS-licensed Major Payment Institution), the United Kingdom (Statrys UK Limited, Companies House company number 12031334, status Active) and Thailand. Separately from its entities, Statrys lists offices in four cities: Hong Kong, Singapore, Bangkok and Paris. Paris was missing from our previous version and is now added. The UK registration is a legal entity, not a stated office location, and the two should not be conflated. Statrys also accepts BVI-incorporated companies per its onboarding documentation, processed against the Hong Kong entity.

Who custodies the money

Statrys is the licensed provider of the Business Account; it does not hold customer money on its own balance sheet the way a tier-one bank does with insured deposits. Instead, customer funds are safeguarded in segregated accounts held with its custodian bank, DBS, kept separate from Statrys own operating funds. Each account comes with a multi-currency account number plus additional virtual receiving accounts, all issued under the Statrys product.

In practice, a Statrys customer receives a HKD account number plus additional virtual receiving accounts in other currencies, all managed inside the Statrys portal: deposits arrive into the Statrys account and balances appear in one dashboard. From a counterparty-risk perspective, what matters is that the money is safeguarded in segregated accounts at the custodian bank rather than held as an insured deposit at Statrys. Protection comes from fund segregation at the partner bank, not from a deposit guarantee scheme.

Why people confuse Statrys with a bank

The marketing language across the SaaS sector blurs the bank vs neobank vs MSO distinction. Statrys describes itself as a multi-currency business account, which is functionally true for the customer. But the regulatory status is MSO in HK and MPI in SG, not banking. If your treasury policy requires bank-grade deposit insurance or a banking licence in the holding entity, Statrys does not meet that bar. If your operational requirement is a working multi-currency account with payment rails and FX, Statrys does meet that bar, in the same way Wise Business, Payoneer and Aspire do.

Statrys is one option among several. See how it stacks up against Mercury, Brex, Relay and Revolut in our digital business bank comparison.

This review combines first-hand testing of the Statrys portal on a Hong Kong Limited company account with desk research against official sources verified September 2026.

First-hand testing

We opened a Statrys Business Account on a HK Ltd, then used the portal for several months across the following workflows:

• Multi-currency account opening, KYC document submission and onboarding back-and-forth.
• Receiving USD and EUR payments into the virtual accounts.
• Local HKD payments and outgoing SWIFT wires.
• Convert Funds (FX conversion) between HKD, USD and EUR.
• Invoicing tool: invoice creation, sending and reconciliation.
• Company Portal: registering a company entity and reviewing the document set provided.
• Team roles: inviting team members across the four available role tiers.

The 10 first-party screenshots embedded in this review come from that account.

Desk verification

Where this review cites pricing, regulatory status, supported currencies or prohibited countries, the source is the Statrys pricing page, the Statrys business account page, the Statrys prohibited countries FAQ or the Statrys terms and conditions, all verified in September 2026. The HK MSO and SG MPI licence numbers cited (19-02-02726 and PS20200692) are reproduced as published by Statrys; we have not independently confirmed them on the government registers.

What we did not test

Statrys also offers an Advanced FX forward-rate workflow for businesses hedging future currency flows.

Independence statement

GrowAcross has no affiliate relationship with Statrys. There are no referral links to statrys.com anywhere in this review. The editorial rating is independent.

The Business Account is the spine of the platform. It is the multi-currency account that holds balances, receives payments and is the source for every outgoing transfer or FX conversion.

Currencies supported

The Business Account itself supports 11 currencies for holding and receiving: HKD, USD, EUR, CNY, GBP, SGD, JPY, AUD, CHF, NZD and CAD. Payout coverage extends to 7 additional currencies that the account can send but not hold: INR, IDR, PHP, KRW, THB, TRY and VND. The Statrys pricing page does not state an explicit aggregate total, and other Statrys pages sometimes cite different totals, so count the two sets separately rather than relying on a single figure.

That holding list is narrower than Wise Business (40+ currencies), but as the local accounts below show, Statrys now issues dedicated local receiving details in GBP, EUR, CHF, DKK and AUD rather than relying on virtual accounts alone. For most HK and SG businesses trading with mainland China, the EU, the UK, Australia, Singapore and the US, the combination covers daily needs.

Local accounts: UK, EU and Australia

Since mid 2026 Statrys has layered dedicated local accounts on top of the multi-currency Business Account. A Hong Kong business account holder can open local receiving details in five currencies across six markets: a UK sort code and account number for GBP, a German IBAN and a Luxembourg IBAN for EUR across the SEPA zone, a Liechtenstein account for CHF, a Danish account for DKK, and, since September 2026, an Australian BSB and account number for AUD. To a UK, European or Australian counterparty the payment then looks domestic rather than an inbound international wire.

These local accounts add payment routes, they do not replace the Hong Kong account. Any client with a Hong Kong business account can request them (a Singapore-primary client opens a Hong Kong account first), each account is requested individually and reviewed in one to two working days, and a business can hold several. On pricing, sending and receiving in GBP and EUR is free, AUD and CHF run about 5 euros equivalent per transfer, and DKK is about 7 euros. One caveat worth flagging: sweeping funds from a local account back to the Hong Kong account is free once per calendar month, then costs HKD 60 per additional transfer, so batch the sweeps. Verified against the Statrys pricing page, accessed September 2026.

What you see on first login

The Accounts tab lists each currency balance, with HKD shown by default for HK customers. Each currency holding has its own account details (routing or local payment information) usable to receive incoming payments. The interface is clean and surfaces three actions prominently: Make a payment, Convert funds, and the dedicated Accounts view.

Payments in and out

Incoming HKD payments are free. Domestic HKD, CNY and USD payments cost between HKD 5 and HKD 75 depending on the route; EUR is not offered for domestic Hong Kong payments. International SWIFT outbound payments are HKD 85 to send, HKD 60 to receive. Local payments range from HKD 25 to HKD 50. The pricing is verified against the live Statrys pricing page, accessed September 2026.

Wire timing is what you would expect from an EMI: local payments same-day or next business day, SWIFT international 1 to 3 business days. The portal exposes each leg of the payment lifecycle, which makes reconciliation straightforward.

What is missing

There is no native batch payments feature for paying a long list of suppliers in one upload. There is no API self-serve tier for programmatic access (Statrys offers integration on the higher service level by sales conversation). There is no native crypto on-ramp or off-ramp. None of these are deal-breakers for the typical HK SME but they should be noted by readers with higher operational complexity.

Statrys issues physical and virtual payment cards linked to the Business Account. The Cards section in the portal exposes a clear Get your payment card flow, with a single call to action labelled Get started.

Card features

Statrys offers virtual and physical payment cards. The virtual card is free. The physical card is free in Hong Kong and Mainland China, and costs HKD 300 for other countries. There is no annual fee, which our previous text already stated correctly.

Use cases that work well

Each additional physical cardholder costs HKD 39 per month in maintenance fees.

Use cases that do not

Overseas transactions in a currency other than HKD are charged 1.99 percent, and ATM withdrawals are also charged 1.99 percent.

Advanced FX is the hedging product. It lets a customer lock in an FX rate on a chosen currency pair and amount for up to a year, then convert between currencies as the operational need arises.

Who needs FX hedging

Businesses that invoice in one currency and pay costs in another are exposed to FX movements between the two. A HK Ltd that bills US clients in USD but pays HK staff in HKD is exposed to USD/HKD volatility, even though the HKD peg makes that pair stable in practice. A SG company billing in SGD but paying suppliers in USD or EUR has more meaningful exposure.

Advanced FX targets the second case. The product positions itself around three identifiable wins: identifying the currency pairs where the business is most at risk, locking in an FX rate for the currency pair and amount the customer chooses, and benefiting from the locked rate for up to a year.

How it works in the portal

The Advanced FX page in the portal is a brief landing module that funnels the customer to a sales conversation by a Contact Us button. There is no self-serve workflow for forward contracts in the portal as of September 2026. This is a sales-assisted product, not a self-serve one, which is consistent with how FX hedging is sold across the EMI sector.

Honest take

For most HK SMEs paying in HKD and USD, the value of locking forward rates is small because the HKD peg holds. For SG SMEs with material USD or EUR exposure on the cost side, a forward contract can meaningfully smooth cash flow. The product exists, it is real, but it is a sales conversation rather than a self-serve feature.

Convert Funds is the spot FX product. It runs an immediate conversion between any two of the 11 supported account currencies, using the Statrys quoted rate at the time of conversion.

Pricing

The FX markup is published on the Statrys pricing page as from 0.1 percent for major currency pairs and from 0.15 percent for the secondary currency set. The from language is the operative caveat: actual spreads can be wider for less liquid pairs or at times when interbank liquidity tightens.

By comparison, Wise typically charges 0.4 percent to 0.7 percent on similar pairs. Aspire charges 0.2 percent to 0.6 percent. Statrys is favourably priced on FX within the supported currency set, with the caveat that the from-0.1-percent floor is a marketing baseline rather than a guaranteed every-trade rate.

Practical usage

In practice we used Convert Funds to consolidate USD receipts into HKD for HK operating spend, and to top up a EUR balance from HKD for a EU supplier payment. Both conversions completed in seconds. The portal shows the proposed rate before the customer commits, which is standard.

Limitations

Convert Funds operates only between currencies the Business Account already holds. It does not route through third currencies for exotic pairs. For currencies outside Statrys's 11 hold plus 7 payout-only set, the workflow is to convert to USD or EUR first, then send via SWIFT.

The Statrys Invoicing tool is a basic invoicing product built into the same portal as the Business Account. It is not a substitute for a full accounting platform but it covers the daily SME invoicing workflow.

What it does

Create an invoice, send it to a client by email, track payment status and reconcile against incoming payments in the Statrys account. The invoicing dashboard shows monthly revenue trends in a chart on the home view, which is useful for a snapshot read of the business.

Where it stops

Invoicing does not handle quotes, purchase orders or multi-stage approvals beyond a single team approval flow. It does not support recurring billing schedules with automated dunning. It is not a CRM. For a HK or SG SME that issues 5 to 50 invoices a month and wants the invoicing to live next to the account, it is a clean fit. For a business with subscription billing or a sales pipeline, dedicated tooling will be more capable.

Reconciliation

Because invoicing and the Business Account live in the same portal, paid invoices reconcile automatically against the incoming payment in the matching currency. This single-portal reconciliation is the actual edge of the product over standalone invoicing tools.

Statrys accounting starts from HKD 891 per month (HKD 891.67 at the 0 to 2 transactions tier), which works out at approximately HKD 10,700 per year, verified September 2026.

What is included

The transaction-based plan covers audited financial statements, tax computation, tax returns filing, offshore tax claims and access to an accountant. The transaction-based model means the customer pays based on actual transactions in the period rather than on estimates or revenue forecasts.

Comparison vs a standalone HK accountant

A typical HK SME audit and tax filing engagement with an external accountant runs HKD 8,000 to HKD 25,000 per year for a small Ltd with simple operations. The Statrys Accounting service at HKD 891 per month works out to HKD 10,704 per year on the base plan, which is in the same range as a standalone accountant for a comparable engagement.

The value of the bundled service is workflow integration: every Business Account transaction is already in the same portal, eliminating the back-and-forth of monthly bank statement uploads that consumes time on a standalone engagement. The trade-off is vendor concentration. If the customer churns from Statrys, the accounting service goes with it.

Who it fits

A HK Ltd or SG Pte Ltd that already uses Statrys for the Business Account, wants compliant audited statements without managing a separate accountant relationship, and is comfortable with the vendor concentration trade-off. Not a fit for businesses with complex group structures or specialised tax positions where a partner-led firm is the right answer.

The Company Portal hosts Statrys company secretary and company registration services. For a HK Ltd it surfaces the statutory documents (Business Registration Certificate, NNC1, Articles of Association, Register of Secretaries) and provides the recurring company secretary function required under Hong Kong company law.

Why HK companies need a company secretary

Hong Kong company law requires every locally incorporated company to appoint a company secretary who is either a Hong Kong resident individual or a Hong Kong-incorporated body corporate. The role handles statutory filings (annual return, change of director, change of registered office) and acts as the legal point of contact with the Companies Registry.

Statrys company secretary in practice

Statrys provides a Hong Kong-incorporated company secretary entity, satisfying the legal requirement. The Company Portal exposes the corporate documents, the registers (Register of Members, Register of Directors, Register of Secretaries) and the incorporation date. Statutory filings are handled by Statrys on behalf of the client.

Pricing for company secretary is on the higher-tier service level and is quoted by Statrys based on the company profile. For a single-director, single-shareholder HK Ltd with no AML complexity, expect pricing roughly comparable to other HK company secretary services, which typically run HKD 3,000 to HKD 8,000 per year.

Company Portal vs Company Registration

The Company Portal hosts the documents for an existing company. The Register a Company action launches the incorporation workflow for a new HK Ltd from inside the same portal, with the secretary service auto-enrolled. For a customer opening a HK Ltd from scratch and wanting one vendor for incorporation plus account plus secretary, this is the integrated path.

Statrys exposes a four-tier team role model for multi-user accounts. The roles are: Approver Admin (highest access, full administration plus team management plus approvals), Transaction Approver (approve or reject transactions in assigned accounts), Transaction Maker (create and submit transactions for approval) and Accountant (view balances and download statements).

Why this matters for HK SMEs

Hong Kong corporate governance for any company with more than a single director typically wants segregation between transaction initiation and transaction approval. The Transaction Maker plus Transaction Approver split satisfies that audit-friendly requirement without needing a separate workflow tool.

Where it falls short

The four-role model is fixed. There is no custom-role builder for businesses that want finer-grained permissions, no scoping by account or by amount threshold beyond the binary approval flow, no granular log on who saw what beyond standard transaction history. For a SME under 20 people this is plenty. For a 100-person operation the limitations would start to matter.

Onboarding a team member

Inviting a new team member is one dialog: email address, position title, role selection and account scope. The invite arrives by email and the new user sets a password and 2FA, then has access to the role-scoped views.

Supported incorporation jurisdictions

Statrys onboarding documentation states the Business Account is currently open to companies incorporated in three jurisdictions: Hong Kong, Singapore and the British Virgin Islands. Other jurisdictions are evaluated case by case and the practical default is to expect a decline outside the HK, SG, BVI trio.

Two distinct restrictions overlay supported incorporation

Two separate questions are often confused here, and they have different answers. The first is onboarding eligibility: which jurisdictions Statrys will or will not onboard, governed by its prohibited-countries list. The second is outbound payments: which destinations can receive funds through the Statrys relay corridor from Hong Kong and Singapore. The UAE and Israel must be read against each axis separately; merging them into a single "restricted" claim would be wrong.

Restriction 1: onboarding eligibility filter (prohibited countries FAQ)

The Statrys prohibited countries FAQ adds an operations and source-of-income filter on top of supported incorporation. The page states the filter applies to "customers that are incorporated or registered in, operate in, have a source of income from" the listed jurisdictions, and notes the list is "for indicative purposes only" and "not exhaustive".

As of 8 September 2026, the official Statrys prohibited-countries page lists 31 jurisdictions. Statrys itself describes this list as indicative and not exhaustive, and the page displays no publication date. Neither the United Arab Emirates nor Israel appears on the list. For both countries, the accurate wording is "not listed as prohibited; acceptance is assessed case by case". Absence from a prohibition list is not an approval guarantee.

Restriction 2: the former Middle East transactions banner (now superseded)

Through mid-2026, the Accounts view displayed a warning about transactions with Middle East counterparties, applying specifically to Hong Kong business accounts. It was a transactions restriction, not an onboarding policy.

That banner has since been superseded by the Hong Kong and Singapore relay corridor described next, which reopened outbound payments to the affected destinations.

Update (3 June 2026): the Statrys relay corridor from Hong Kong and Singapore covers 13 countries, including the United Arab Emirates. The HK to SG transfer is free; onward transfers run as standard SWIFT payments from Singapore, and returned funds are credited to the Singapore account. The 13-country list itself is unchanged from our previous version because it was already correct.

How this affects UAE-based founders

Three cases to separate:

• For founders based in the United Arab Emirates, the position as of September 2026 is narrower than our previous version suggested. The UAE does not appear on the Statrys prohibited-countries list, which covers 31 jurisdictions. UAE-based applicants are therefore not listed as prohibited; acceptance is assessed case by case under the standard onboarding review.
• On the payment side, the UAE is one of the 13 countries reachable through the Statrys relay corridor, in place since 3 June 2026. Funds move from the Hong Kong account to the Singapore account free of charge, then onward by standard SWIFT transfer from Singapore.
• If a relay payment to the UAE is returned by the receiving bank, the funds are credited back to the Singapore account, not the Hong Kong account. Businesses should factor that routing into their treasury workflow.

Our practical read: a UAE founder can apply, and outbound payments to the UAE can run through the relay. Because onboarding is case by case, we recommend confirming eligibility with Statrys before committing to the platform.

Statrys wins for these profiles

• HK SMEs wanting one platform for banking, cards, invoicing, accounting and company secretary.
• SG Pte Ltd businesses with multi-currency operations across Statrys's 11 hold plus 7 payout-only currency set.
• HK Ltd, SG Pte Ltd or BVI companies in supported jurisdictions whose operations and source of income stay clear of the 31 jurisdictions on the Statrys prohibited list (indicative and not exhaustive, as of 8 September 2026). UAE-incorporated companies are not on that list and are assessed case by case. Israel is neither on the list nor covered by the payment relay, so eligibility should be confirmed with Statrys first.
• Early-stage companies that value no monthly fee and no minimum balance.
• Operators who want FX from 0.1 percent on major pairs and are willing to accept the from-pricing caveat.
• HK companies wanting bundled audited statements and tax filing at HKD 891 per month rather than a separate accountant engagement.
• Businesses invoicing UK, European or Australian counterparties who want local GBP, EUR, CHF, DKK or AUD receiving details from a Hong Kong account.

Statrys loses for these profiles

• Businesses that need a guaranteed onboarding decision, or whose operations or source of income are tied to one of the 31 jurisdictions on the Statrys prohibited list: the UAE and Israel are not on that list, but UAE acceptance is assessed case by case rather than guaranteed.
• Marketplace-payouts businesses (Amazon, Upwork, Fiverr): Payoneer is purpose-built for this.
• Businesses needing batch payments for long supplier lists.
• Businesses needing currency coverage beyond Statrys 11 held plus 7 payout-only set, or local accounts outside GBP, EUR, CHF, DKK and AUD: Wise Business or Airwallex reach more markets.
• Treasury-conscious businesses that require bank-grade deposit insurance on operating cash.
• Developer-led businesses needing a self-serve API for payments: Airwallex API or Currenxie direct.

GrowAcross editorial rating: 4.2 of 5

Independent GrowAcross editorial rating based on first-hand HK Ltd usage and verified product specifications. This is distinct from the Trustpilot rating (4.9 from 514 reviews, accessed October 2026, shown earlier on this page), which reflects aggregate user sentiment rather than our editorial judgement. The editorial score reflects: strong product breadth for the HK SME audience, transparent regulatory status declared in the terms and conditions, competitive FX pricing on supported pairs, and the legitimate trade-offs around the 31-jurisdiction prohibited countries list (which includes neither the UAE nor Israel), absence of batch payments and the limited currency footprint relative to Wise Business or Airwallex.

If Statrys does not fit (UAE residency, marketplace payouts, batch needs, currency coverage), here are four GrowAcross-reviewed options to consider. None of these are equivalent products: each wins on a different axis.

Aspire: the closest functional twin if SG-incorporated

Aspire is the closest functional twin to Statrys for SG-incorporated businesses. It bundles a multi-currency business account, cards, FX, Aspire Yield on idle balances and EOR services under its CFO Suite. Aspire's stated supported jurisdictions do not include the UAE; the exact count could not be confirmed because its supported-countries page returned a 404 in September 2026. See our independent Aspire review.

Wise Business: pick if you need 40+ currencies or 8+ local accounts

Wise Business gives a broader currency footprint (40+ currencies, 8+ local receiving accounts) and is available to founders in many more residence countries than Statrys. FX markup is higher (typically 0.4 percent to 0.7 percent) but the global reach makes it the right answer for businesses trading across many currencies. See our independent Wise Business review.

That said, Statrys has since added dedicated local accounts in GBP, EUR, CHF, DKK and AUD, so Wise local-account edge now applies mainly to currencies and markets beyond those five.

Airwallex: pick if you need wider payout reach or a self-serve API

Airwallex reaches more markets than Statrys, with free local transfers to more than 120 countries and SWIFT to more than 200, and offers a self-serve API for developer-led businesses. FX costs 0.5% above interbank on major currencies (1.0% on others), and the entry plan is free. See our Airwallex review.

Payoneer: complement, not replacement, for marketplace receivables

Payoneer is not a like-for-like swap for Statrys. It is a complement: it is purpose-built for receiving payouts from marketplaces (Amazon, Upwork, Fiverr, Etsy) into virtual receiving accounts in USD, EUR, GBP, JPY and more. Pair Payoneer for inbound marketplace flows with Statrys (or Aspire, or Wise) for operating spend. See our independent Payoneer review.

Other GrowAcross resources

For a broader view across providers, see our roundups: best multi-currency business accounts, and the bundled formation and account guide for Hong Kong setups. For UAE founders specifically, see our Hong Kong business banking hub.

All facts and figures in this review come from the following sources, verified September 2026, with local account details refreshed September 2026. Per our editorial policy, sources are cited in plain text without outbound links to the Statrys domain.

First-party (Statrys portal and Statrys public documents)

• Statrys pricing page (statrys.com/pricing), accessed September 2026: pricing, FX markup, supported currencies (11 hold plus 7 payout-only).
• Statrys terms and conditions, clauses 1.2 and 1.4, accessed September 2026: not-a-bank disclosure verbatim quotes.
• Statrys business account page (statrys.com/hk/business-account), accessed September 2026: 11-currency claim and restricted countries reference.
• Statrys prohibited-countries FAQ, accessed September 2026: 31 jurisdictions (Statrys describes the list as indicative and not exhaustive), including neither the UAE nor Israel. Cited by name only, no outbound link.
• Statrys onboarding documentation: HK, SG and BVI named as the supported incorporation jurisdictions, per multiple Statrys and third-party sources cross-checked September 2026.
• Statrys portal screenshots, captured 2026-05-31: account number format, product suite (Business Account, Cards, FX, Convert, Invoicing, Accounting, Company Secretary, Team roles) and the in-portal Middle East transactions banner.
• Statrys pricing page (LOCAL ACCOUNTS section) and Statrys news announcements on local accounts, accessed September 2026: local account currencies (GBP, EUR, CHF, DKK, AUD), fees and eligibility for Hong Kong business account holders, Europe launch 9 July 2026 and Australia launch 11 September 2026.
• Statrys blog, "Hong Kong Account Holders Can Now Send Payments to Previously Unsupported Countries" (statrys.com/blog/payments-to-previously-unsupported-countries), accessed September 2026: HK to SG relay mechanism, list of 13 previously unsupported countries and territories, fee structure (free HK to SG transfer, standard SG SWIFT pricing, no surcharge).

Regulatory references (not independently verified on government registers)

• Hong Kong regulatory references: MSO licence 19-02-02726 (HK Customs and Excise, C&ED) and TCSP licence TC008677 (Companies Registry), as published by Statrys; the direct HK register entries were not independently confirmed this cycle.
• Singapore regulatory references: Major Payment Institution PS20200692 (MAS Financial Institutions Directory) and Company Service Provider registration FA20230475, as published by Statrys; the exact register entries were not independently re-confirmed this cycle.

Competitor cross-references

• Aspire pricing page (aspireapp.com/pricing), accessed September 2026: FX markup (from 0.22 percent Basic, 0 percent on first SGD 13,000 monthly Premium), EOR confirmed under CFO Suite, SG regulated under a Payment Services Act 2019 temporary exemption.
• Airwallex global business account page (airwallex.com), accessed September 2026: UAE not listed in stated supported jurisdictions; verify directly before relying on UAE access.
• Wise pricing pages (wise.com), September 2026: FX markup typically higher than Statrys on supported pairs; check the live Wise pricing page for the current per-pair fee.