Revolut vs stc Bank.
Revolut (R91/100) 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. Revolut leads stc Bank 9-1.
| R Revolut №01 · Bank of Lithuania 91 /100 | s stc Bank №17 · SAMA 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 91 /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 | €1,000 | €0 |
| Free ATM Before fee kicks in | €200 /mo | — |
| Protection | ||
| Banking licence Tier | Full bank Bank of Lithuania | Full bank SAMA |
| Deposit guarantee Per depositor | €100,000 EU.DGS.LT | €200,000 SA.SAMA-DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 48 countries | 1 country |
| Crypto Coins available | 280 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 4.7 ★ 367k reviews | — |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Revolut if…
Pick if you want a real bank licence with crypto, brokerage and FX in one app. The strongest all-rounder under the v3 methodology.
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 Revolut won 3 of 4
- Best for protection stc Bank won 1 of 2
- Best for reach Revolut won 3 of 3
- Best for ux Revolut won 2 of 2
Revolut vs stc Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Revolut better than stc Bank?
Under our v3 methodology, Revolut leads stc Bank 9–1 across 12 dimensions. Composite scores: Revolut 91/100 vs stc Bank 76/100. Revolut is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Revolut or stc Bank cheaper?
Monthly fee — Revolut: €0; stc Bank: €0. Card FX markup — Revolut: Interbank; stc Bank: 1.50%. Revolut wins more fee rows (3 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Revolut or stc Bank?
Revolut holds a Full bank licence under Bank of Lithuania; 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 Revolut and stc Bank?
Revolut operates in 48 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.