stc Bank vs Nequi.
stc Bank (s76/100) and Nequi (N75/100), 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 Nequi 3-1.
| N Nequi №20 · Full Colombian banking licence via Bancolombia parent 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 | 3.00% | 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 | €50,000,000 CO.FOGAFIN | €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 4.5 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Nequi if…
Bancolombia's digital banking arm — Colombia's largest neobank by user count (~17M). Operates under the Bancolombia full-bank licence; FOGAFIN cover applies. Mass-market reach + Bancolombia ATM network. The default Colombian neobank for COP-resident readers.
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 Nequi won 1 of 2
- Best for reach Tied
- Best for ux stc Bank won 1 of 2
stc Bank vs Nequi — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nequi better than stc Bank?
Under our v3 methodology, stc Bank leads Nequi 3–1 across 12 dimensions. Composite scores: Nequi 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 Nequi or stc Bank cheaper?
Monthly fee — Nequi: €0; stc Bank: €0. Card FX markup — Nequi: 3.00%; 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, Nequi or stc Bank?
Nequi holds a Full bank licence under Full Colombian banking licence via Bancolombia parent (Superintendencia Financiera de Colombia regulated); FOGAFIN member, COP 50,000,000 cover per depositor. // TODO(verify).; deposit guarantee per depositor: €50,000,000. stc Bank holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. Nequi is the stronger pick on regulatory protection.
Where can I use Nequi and stc Bank?
Nequi 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.