STC Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
STC Bank pairs a prepaid Visa with a savings account that pays a variable rate of 0% to 5% and lets you withdraw whenever you like. It suits Saudi-based savers who want one provider for the card and the money behind it, and less suited to anyone who wants no annual charge on credit.
Key facts
- Best for
- Saudi savers who want an easy-access savings account and a prepaid card from the same bank.
- Monthly fee
- SAR 0↗
- Currency conversion fee
- 2%↗
- Card type
- Prepaid↗
- Cashback rate
- 0.5%↗
- Card network
- Visa↗
- Legal entity
- STC Bank (closed mixed joint-stock company, CR 1010901344)↗
- Headquarters
- Saudi Arabia↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Features
- Virtual card, Travel
- Audience
- Business
- Official website
- stcbank.com.sa
Credit cards
Savings
- Headline rate
- 0% to 5%↗
- Rate type
- Variable↗
- Minimum deposit
- SAR 1,000↗
- Access terms
- Withdraw from savings at any time; profits credited on the 1st of each month for the previous month; scheduled daily/weekly/monthly auto-saving↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXappgallery.huawei.com
Pros and cons
Pros
- Savings pay a variable rate of 0% to 5% on a minimum deposit of SAR 1,000, and withdrawals can be made at any time
- The prepaid card has a monthly fee of SAR 0, with cashback of 0.5% on spending
- Card features include virtual card and travel, so a virtual card and travel use are both covered
- Support runs through email, chat and phone, including phone and a help centre
Cons
- The credit card carries an annual fee of SAR 250
- The currency conversion fee of 2% ranks poorly, at position 165 of 258 brands
- The savings rate is variable, set at variable, so the return can move
Who it suits
- Saudi residents who want a prepaid card and savings in one place
- People who value easy access over a locked-in term, since the account is easy access
- Business users, which is the main audience for the brand
Who should look elsewhere
- Anyone who needs a free credit card, since the annual fee is SAR 250
- Frequent travellers who convert currency, given the conversion fee of 2%
- Skrill or CrediMax Cardy EX prepaid Visa users who want a different card setup, since both list a monthly fee of €5 and BHD 0 respectively
How STC Bank compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 9.4
8.9 vs 8.7
8.9 vs 9.2
8.9 vs 9.4
8.9 vs 8.7
8.9 vs 9.3
8.9 vs 8.9
8.9 vs 8.6
8.9 vs 9.2
8.9 vs 8.4
8.9 vs 8.5
8.9 vs 8.8Lists a monthly fee of €5, so it is worth weighing against a prepaid card with a monthly fee of SAR 0.
8.9 vs 9.0
8.9 vs 8.6
8.9 vs 8.3
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 8.7
8.9 vs 8.5
8.9 vs 8.4
8.9 vs 8.0- 8.9 vs 8.0
Where STC Bank is available
- Available
- Saudi Arabia
- Licence in Saudi Arabia
- Saudi Central Bank (SAMA) (Council of Ministers Resolution No. 671, 12/11/1442 H (22/06/2021)), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the STC Bank savings account pay?+
The savings account pays a variable rate of 0% to 5%, which can move up or down. It takes a minimum deposit of SAR 1,000 to open. Profits are credited on the first day of each month for the previous month.
Can I withdraw from the savings at any time?+
Yes. The account is easy access, so you can withdraw from savings whenever you want. You can also set up scheduled daily, weekly or monthly auto-saving to build the balance without manual transfers.
What fees does the prepaid card charge?+
The prepaid card has a monthly fee of SAR 0, so there is no recurring charge to hold it. Spending earns cashback of 0.5%. Currency conversion on the card is charged at 2%.
What does the credit card cost and what does it pay back?+
The credit card carries an annual fee of SAR 250. Rewards are cashback rather than points, at 0.5% and 1% cashback. Perks include airport lounge access at 25 lounges worldwide with 6 visits per year, 15% discount and cashback on local and international purchases.
Is STC Bank regulated?+
Yes. The bank is licensed by the Saudi Central Bank (SAMA) in Saudi Arabia. It is a closed mixed joint-stock company, registered as STC Bank (closed mixed joint-stock company, CR 1010901344).
What kind of card network does it use?+
Both the prepaid and credit cards sit on the visa network, so they are accepted wherever Visa is taken. The card range is prepaid, and the credit offering is a credit card.
How do I get help if something goes wrong?+
Support runs through email, chat and phone. That covers phone, email, live chat and a help centre, so there is a direct route for card or savings queries.
Who is this product aimed at?+
The brand is built around business customers, and the prepaid card adds features such as virtual card and travel. It suits people in Saudi Arabia who want a card and savings together rather than two separate providers.
Sources
- stcbank.com.sa checked September 26, 2026
Backs: Audience, Headquarters, Legal entity, Card network, Licences
“Business: open a business account, POS, e-commerce”
- stcbank.com.sa/web/guest/cards checked September 26, 2026
Backs: Card type, Cashback rate, Features, Currency conversion fee, Monthly fee
“Prepaid cards (Classic, Platinum, Signature, Mada); account balance is loaded, not credit”
- stcbank.com.sa/web/guest/credit-cards checked September 26, 2026
Backs: Annual fee, Card kind, Cashback rate, Perks, Rewards rate, Rewards type
“Platinum card annual fee 250 SAR (free in the first year)”
- stcbank.com.sa/web/guest/notice-of-transformation-to-stc-... checked September 26, 2026
Backs: Support channels
“You can contact them via 8001180008 (toll-free inside Saudi Arabia) or 92001144, or via the live chat service in the app, or via email info@stcbank.com.sa, or via social media”
- stcbank.com.sa/web/guest/smart-saver checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“You can withdraw from your savings at any time... profits are added to your account on the first day of each month for the previous month's profits”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Related by the facts
STC Bank
Saudi savers who want an easy-access savings account and a prepaid card from the same bank.