Trade Republic vs stc Bank.
Trade Republic (T81/100) 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. Trade Republic leads stc Bank 6-2.
| s stc Bank №17 · SAMA 76 /100 | T Trade Republic №05 · BaFin 81 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 81 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank SAMA | Full bank BaFin |
| Deposit guarantee Per depositor | €200,000 SA.SAMA-DPS | €100,000 EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 17 countries |
| Crypto Coins available | No | 50 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.3 ★ 28k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.4 ★ iOS 4.8 · And 4.1 |
| Read review → | Read review → | |
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.
Pick Trade Republic if…
Pick if you want the cheapest brokerage in Europe (€1/trade) and the highest interest on idle cash. Not a primary current account.
- Best for fees Trade Republic won 1 of 4
- Best for protection stc Bank won 1 of 2
- Best for reach Trade Republic won 3 of 3
- Best for ux Tied
Trade Republic vs stc Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is stc Bank better than Trade Republic?
Under our v3 methodology, Trade Republic leads stc Bank 6–2 across 12 dimensions. Composite scores: stc Bank 76/100 vs Trade Republic 81/100. Trade Republic is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is stc Bank or Trade Republic cheaper?
Monthly fee — stc Bank: €0; Trade Republic: €0. Card FX markup — stc Bank: 1.50%; Trade Republic: Interbank. Trade Republic 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, stc Bank or Trade Republic?
stc Bank holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. Trade Republic holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. stc Bank is the stronger pick on regulatory protection.
Where can I use stc Bank and Trade Republic?
stc Bank operates in 1 country; Trade Republic operates in 17 countries. 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.