bunq vs stc Bank.
bunq (b87/100) and stc Bank (s76/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. bunq leads stc Bank 4-2.
| b bunq №02 · DNB 87 /100 | s stc Bank №17 · SAMA 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /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 | Full bank DNB | Full bank SAMA |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | €200,000 SA.SAMA-DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 30 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 22k reviews | — |
| App store iOS + Android avg | — | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick bunq if…
Pick if you travel constantly and want unlimited free FX with a Dutch licence — €3.99/mo for the Easy Bank tier.
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 bunq won 1 of 4
- Best for protection stc Bank won 1 of 2
- Best for reach bunq won 1 of 3
- Best for ux Tied
bunq vs stc Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than stc Bank?
Under our v3 methodology, bunq leads stc Bank 4–2 across 12 dimensions. Composite scores: bunq 87/100 vs stc Bank 76/100. bunq is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is bunq or stc Bank cheaper?
Monthly fee — bunq: €0; stc Bank: €0. Card FX markup — bunq: Interbank; stc Bank: 1.50%. bunq 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, bunq or stc Bank?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. 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 bunq and stc Bank?
bunq operates in 30 countries; 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.