SoFi vs stc Bank.
SoFi (S79/100) 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. SoFi leads stc Bank 6-0.
| S SoFi №07 · OCC 79 /100 | s stc Bank №17 · SAMA 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 79 /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 | Full bank OCC | Full bank SAMA |
| Deposit guarantee Per depositor | $250,000 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 | Yes | No |
| UX | ||
| Trustpilot Customer score | 3.6 ★ 12k reviews | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick SoFi if…
Pick if you want the best US savings yield from an OCC-chartered bank with a clean account experience.
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 SoFi won 1 of 4
- Best for protection SoFi won 1 of 2
- Best for reach SoFi won 1 of 3
- Best for ux SoFi won 2 of 2
SoFi vs stc Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is SoFi better than stc Bank?
Under our v3 methodology, SoFi leads stc Bank 6–0 across 12 dimensions. Composite scores: SoFi 79/100 vs stc Bank 76/100. SoFi is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is SoFi or stc Bank cheaper?
Monthly fee — SoFi: €0; stc Bank: €0. Card FX markup — SoFi: Interbank; stc Bank: 1.50%. SoFi 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, SoFi or stc Bank?
SoFi holds a Full bank licence under OCC; deposit guarantee per depositor: $250,000. stc Bank holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. SoFi is the stronger pick on regulatory protection.
Where can I use SoFi and stc Bank?
SoFi 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.