stc Bank vs BHub.
stc Bank (s76/100) and BHub (B44/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. stc Bank leads BHub 5-0.
| B BHub №85 · BACEN 44 /100 | s stc Bank №17 · SAMA 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 45 /100 | 76 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €350 /mo | €0 Free tier |
| FX markup Debit card abroad | 1.50% | 1.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Full bank SAMA |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | €200,000 SA.SAMA-DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.4 ★ iOS 4.5 · And 4.3 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick BHub if…
Brazilian SMB BaaS combining BACEN payment-institution banking with bookkeeping + payroll + tax-filing services. The structural fit for BR startups and growth-stage SMBs that want one platform handling Simples Nacional / Lucro Presumido / Lucro Real accounting + INSS / FGTS payroll + business banking — closer to a US Bench equivalent than to Nubank PJ or Mercado Pago Empresas.
Pick stc Bank if…
First SAMA-licensed digital full bank in Saudi Arabia (received bank licence 2023, originally launched as stc pay in 2017). Backed by Saudi Telecom (stc) — telecom-grade reach across the Kingdom. Multi-currency support and instant onboarding via Absher distinguish it from legacy KSA banks. SAMA Deposit Protection Fund cover.
- Best for fees stc Bank won 1 of 4
- Best for protection stc Bank won 2 of 2
- Best for reach Tied
- Best for ux stc Bank won 1 of 2
stc Bank vs BHub — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is BHub better than stc Bank?
Under our v3 methodology, stc Bank leads BHub 5–0 across 12 dimensions. Composite scores: BHub 44/100 vs stc Bank 76/100. stc Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is BHub or stc Bank cheaper?
Monthly fee — BHub: €350; stc Bank: €0. Card FX markup — BHub: 1.50%; stc Bank: 1.50%. stc Bank wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, BHub or stc Bank?
BHub holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. stc Bank holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. stc Bank is the stronger pick on regulatory protection.
Where can I use BHub and stc Bank?
BHub operates in 1 country; stc Bank operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.