stc Bank vs Nomo.
stc Bank (s76/100) and Nomo (N52/100), 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 Nomo 4-3.
| N Nomo №68 · FCA 52 /100 | s stc Bank №17 · SAMA 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 52 /100 | 76 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | 1.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. FCA | Full bank SAMA |
| Deposit guarantee Per depositor | Safeguarded GB.FSCS | €200,000 SA.SAMA-DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.2 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Nomo if…
Sharia-compliant digital bank — Boubyan Bank Kuwait digital arm via Bank of London + The Middle East (BLME, FCA-licensed). Cross-border GCC-UK money management. UK FSCS GBP 85K + Kuwait DPS via parent. Unique dual-passport structure.
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 Nomo won 1 of 4
- Best for protection stc Bank won 2 of 2
- Best for reach Nomo won 2 of 3
- Best for ux stc Bank won 1 of 2
stc Bank vs Nomo — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nomo better than stc Bank?
Under our v3 methodology, stc Bank leads Nomo 4–3 across 12 dimensions. Composite scores: Nomo 52/100 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 Nomo or stc Bank cheaper?
Monthly fee — Nomo: €0; stc Bank: €0. Card FX markup — Nomo: 1.00%; stc Bank: 1.50%. Nomo 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, Nomo or stc Bank?
Nomo holds a Payment inst. licence under FCA; 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 Nomo and stc Bank?
Nomo 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.