stc Bank vs Bluevine.
stc Bank (s76/100) and Bluevine (B70/100), 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 Bluevine 3-2.
| B Bluevine №35 · 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 | 2.00% | 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 | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.5 ★ 10k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Bluevine if…
US business-checking-led neobank with the deepest sweep-extended FDIC of the US partner-bank category — $3M via Coastal Community Bank + a 17-bank sweep network. Premier tier ($95/mo waivable) pays 3.0% APY uncapped on all balances, structurally distinct from Mercury (Treasury yield via brokerage) or Novo ($250K single-bank only). Bluevine Line of Credit (up to $250K) and an invitation-only Cashback Mastercard (1.5% unlimited, launched June 2024) sit alongside the checking product.
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 stc Bank won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Bluevine won 1 of 2
stc Bank vs Bluevine — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bluevine better than stc Bank?
Under our v3 methodology, stc Bank leads Bluevine 3–2 across 12 dimensions. Composite scores: Bluevine 70/100 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 Bluevine or stc Bank cheaper?
Monthly fee — Bluevine: €0; stc Bank: €0. Card FX markup — Bluevine: 2.00%; stc Bank: 1.50%. stc Bank 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, Bluevine or stc Bank?
Bluevine 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 Bluevine and stc Bank?
Bluevine 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.