stc Bank vs Ramp.
stc Bank (s76/100) and Ramp (R57/100), 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 Ramp 3-2.
| R Ramp №58 · FDIC 57 /100 | s stc Bank №17 · SAMA 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 57 /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 | Payment inst. FDIC | Full bank SAMA |
| Deposit guarantee Per depositor | Safeguarded US.FDIC | €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 | 4.8 ★ iOS 4.8 · And 4.7 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Ramp if…
The spend-management platform that closes the loop on policy enforcement at swipe time — Ramp pushes vendor-level savings recommendations into the finance team's workflow as a structural product, not a feature. Charge card + Bill Pay + Procurement + SaaS-spend management in one stack, with the deepest mid-market ERP integration set of any US corporate-card platform.
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 Ramp won 1 of 4
- Best for protection stc Bank won 2 of 2
- Best for reach Tied
- Best for ux Ramp won 1 of 2
stc Bank vs Ramp — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Ramp better than stc Bank?
Under our v3 methodology, stc Bank leads Ramp 3–2 across 12 dimensions. Composite scores: Ramp 57/100 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 Ramp or stc Bank cheaper?
Monthly fee — Ramp: €0; stc Bank: €0. Card FX markup — Ramp: Interbank; stc Bank: 1.50%. Ramp 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, Ramp or stc Bank?
Ramp holds a Payment inst. licence under FDIC; 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 Ramp and stc Bank?
Ramp 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.