Zand vs stc Bank.
Zand (Z77/100) and stc Bank (s76/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Zand leads stc Bank 4-1.
| s stc Bank №16 · SAMA 76 /100 | Z Zand №14 · CBUAE 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 77 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank SAMA | Full bank CBUAE |
| Deposit guarantee Per depositor | €200,000 SA.SAMA-DPS | €250,000 AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.2 ★ iOS 4.3 · And 4.0 |
| Read review → | Read review → | |
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.
Pick Zand if…
UAE's first fully-digital full bank — CBUAE-licensed since 2021. Holds its own banking licence (not a partner-bank). Both retail and corporate banking offered. Adds full-bank diversity to the UAE set alongside Wio.
- Best for fees Zand won 1 of 4
- Best for protection Zand won 1 of 2
- Best for reach Zand won 1 of 3
- Best for ux stc Bank won 1 of 2
Zand vs stc Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is stc Bank better than Zand?
Under our v3 methodology, Zand leads stc Bank 4–1 across 12 dimensions. Composite scores: stc Bank 76/100 vs Zand 77/100. Zand is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is stc Bank or Zand cheaper?
Monthly fee — stc Bank: €0; Zand: €0. Card FX markup — stc Bank: 1.50%; Zand: Interbank. Zand 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, stc Bank or Zand?
stc Bank holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. Zand holds a Full bank licence under CBUAE; deposit guarantee per depositor: €250,000. Zand is the stronger pick on regulatory protection.
Where can I use stc Bank and Zand?
stc Bank operates in 1 country; Zand 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.