stc Bank vs WeBank.
stc Bank (s76/100) and WeBank (W76/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. WeBank leads stc Bank 3-0.
| s stc Bank №17 · SAMA 76 /100 | W WeBank №18 · CBI 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 76 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank SAMA | Full bank CBI |
| Deposit guarantee Per depositor | €200,000 SA.SAMA-DPS | €500,000 CN.PBoC-DIS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| 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 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 WeBank if…
World's largest digital bank by user count (~400M Chinese customers). First CBIRC-licensed internet-only bank in China (2014). Tencent majority shareholder; deeply integrated with WeChat. China DIS cover.
- Best for fees WeBank won 1 of 4
- Best for protection WeBank won 1 of 2
- Best for reach WeBank won 1 of 3
- Best for ux Tied
stc Bank vs WeBank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is stc Bank better than WeBank?
Under our v3 methodology, WeBank leads stc Bank 3–0 across 12 dimensions. Composite scores: stc Bank 76/100 vs WeBank 76/100. WeBank 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 WeBank cheaper?
Monthly fee — stc Bank: €0; WeBank: €0. Card FX markup — stc Bank: 1.50%; WeBank: 1.00%. WeBank 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 WeBank?
stc Bank holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. WeBank holds a Full bank licence under CBI; deposit guarantee per depositor: €500,000. WeBank is the stronger pick on regulatory protection.
Where can I use stc Bank and WeBank?
stc Bank operates in 1 country; WeBank 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.