stc Bank vs Cash App.
stc Bank (s76/100) and Cash App (C70/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Cash App leads stc Bank 7-2.
| C Cash App №31 · FDIC 70 /100 | s stc Bank №17 · SAMA 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 76 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Full bank SAMA |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €200,000 SA.SAMA-DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 1 country |
| Crypto Coins available | 1 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 1.6 ★ 50k reviews | — |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Cash App if…
The largest US peer-to-peer payments + neobank hybrid by user count (~50M monthly actives). Block-owned, public via NYSE:XYZ. Bitcoin-native — was the first major US fintech to integrate BTC buy/sell. Partner-bank model via Sutton Bank means FDIC pass-through, not direct charter cover.
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 Cash App won 1 of 4
- Best for protection Tied
- Best for reach Cash App won 3 of 3
- Best for ux Cash App won 2 of 2
stc Bank vs Cash App — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Cash App better than stc Bank?
Under our v3 methodology, Cash App leads stc Bank 7–2 across 12 dimensions. Composite scores: Cash App 70/100 vs stc Bank 76/100. Cash App is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Cash App or stc Bank cheaper?
Monthly fee — Cash App: €0; stc Bank: €0. Card FX markup — Cash App: Interbank; stc Bank: 1.50%. Cash App 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, Cash App or stc Bank?
Cash App holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. stc Bank holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. Both score equally on regulatory protection rows.
Where can I use Cash App and stc Bank?
Cash App operates in 2 countries; 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.