stc Bank vs Marcus by Goldman Sachs.
stc Bank (s76/100) and Marcus by Goldman Sachs (M58/100), 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 Marcus by Goldman Sachs 3-1.
| M Marcus by Goldman Sachs №56 · OCC 58 /100 | s stc Bank №17 · SAMA 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /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. OCC | 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 | 4.5 ★ iOS 4.6 · And 4.5 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Marcus by Goldman Sachs if…
Online-savings + CD-only product from Goldman Sachs Bank USA. No checking, no debit, no investing — purely a yield destination. Goldman institutional pedigree and headline APY among top-quartile US chartered banks. The savings-only counterpart to Ally for depositors with checking elsewhere.
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 Marcus by Goldman Sachs won 1 of 4
- Best for protection stc Bank won 2 of 2
- Best for reach Tied
- Best for ux Tied
stc Bank vs Marcus by Goldman Sachs — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Marcus by Goldman Sachs better than stc Bank?
Under our v3 methodology, stc Bank leads Marcus by Goldman Sachs 3–1 across 12 dimensions. Composite scores: Marcus by Goldman Sachs 58/100 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 Marcus by Goldman Sachs or stc Bank cheaper?
Monthly fee — Marcus by Goldman Sachs: €0; stc Bank: €0. Card FX markup — Marcus by Goldman Sachs: Interbank; stc Bank: 1.50%. Marcus by Goldman Sachs 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, Marcus by Goldman Sachs or stc Bank?
Marcus by Goldman Sachs holds a Payment inst. licence under OCC; 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 Marcus by Goldman Sachs and stc Bank?
Marcus by Goldman Sachs 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.