stc Bank vs Bank Jago.
stc Bank (s76/100) and Bank Jago (B75/100), 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 Bank Jago 2-1.
| B Bank Jago №22 · Full Indonesian banking licence 75 /100 | s stc Bank №17 · SAMA 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /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 | Full bank | Full bank SAMA |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | €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 Bank Jago if…
Largest Indonesian neobank by users — ~9M Indonesians. OJK-regulated full bank, IDX-listed (ARTO). GoTo (Gojek + Tokopedia) major shareholder. Multi-pocket structure ('Jago Pockets'). Sharia-compliant Jago Syariah variant.
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 Bank Jago won 1 of 2
- Best for reach Tied
- Best for ux Tied
stc Bank vs Bank Jago — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than stc Bank?
Under our v3 methodology, stc Bank leads Bank Jago 2–1 across 12 dimensions. Composite scores: Bank Jago 75/100 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 Bank Jago or stc Bank cheaper?
Monthly fee — Bank Jago: €0; stc Bank: €0. Card FX markup — Bank Jago: 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, Bank Jago or stc Bank?
Bank Jago holds a Full bank licence under Full Indonesian banking licence (OJK regulated); LPS member, IDR 2,000,000,000 cover per depositor per institution. IDX-listed (ARTO). // TODO(verify).; deposit guarantee per depositor: €2,000,000,000. stc Bank holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and stc Bank?
Bank Jago 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.