stc Bank vs TymeBank.
stc Bank (s76/100) and TymeBank (T50/100), 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 TymeBank 5-0.
| s stc Bank №17 · SAMA 76 /100 | T TymeBank №73 · SARB 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank SAMA | Payment inst. SARB |
| Deposit guarantee Per depositor | €200,000 SA.SAMA-DPS | Safeguarded ZA.CODI |
| 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 | 4.3 ★ iOS 4.4 · And 4.3 |
| Read review → | Read review → | |
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.
Pick TymeBank if…
First South African full-bank digital launch (2018). Tyme Group's flagship product — the same operator behind GoTyme (PH). Pick n Pay + Boxer in-store card kiosks differentiate vs. all-app competitors. SARB-regulated full bank, CODI ZAR 100,000 cover. ~9M ZA customers.
- Best for fees stc Bank won 1 of 4
- Best for protection stc Bank won 2 of 2
- Best for reach Tied
- Best for ux stc Bank won 1 of 2
stc Bank vs TymeBank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is stc Bank better than TymeBank?
Under our v3 methodology, stc Bank leads TymeBank 5–0 across 12 dimensions. Composite scores: stc Bank 76/100 vs TymeBank 50/100. stc Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is stc Bank or TymeBank cheaper?
Monthly fee — stc Bank: €0; TymeBank: €0. Card FX markup — stc Bank: 1.50%; TymeBank: 2.00%. 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, stc Bank or TymeBank?
stc Bank holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. TymeBank holds a Payment inst. licence under SARB; deposit guarantee per depositor: Safeguarded. stc Bank is the stronger pick on regulatory protection.
Where can I use stc Bank and TymeBank?
stc Bank operates in 1 country; TymeBank 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.