N26 vs stc Bank.
N26 (N85/100) 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. N26 leads stc Bank 7-1.
| N N26 №03 · BaFin 85 /100 | s stc Bank №17 · SAMA 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 85 /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 BaFin | Full bank SAMA |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DE | €200,000 SA.SAMA-DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 24 countries | 1 country |
| Crypto Coins available | 400 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 4.1 ★ 130k reviews | — |
| App store iOS + Android avg | 4.6 ★ iOS 4.8 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick N26 if…
Pick if you want a German credit institution and a DE IBAN that every European employer recognises without question.
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 N26 won 1 of 4
- Best for protection stc Bank won 1 of 2
- Best for reach N26 won 3 of 3
- Best for ux N26 won 2 of 2
N26 vs stc Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is N26 better than stc Bank?
Under our v3 methodology, N26 leads stc Bank 7–1 across 12 dimensions. Composite scores: N26 85/100 vs stc Bank 76/100. N26 is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is N26 or stc Bank cheaper?
Monthly fee — N26: €0; stc Bank: €0. Card FX markup — N26: Interbank; stc Bank: 1.50%. N26 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, N26 or stc Bank?
N26 holds a Full bank licence under BaFin; 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 N26 and stc Bank?
N26 operates in 24 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.