stc Bank vs Trust Bank.
stc Bank (s76/100) and Trust Bank (T52/100), 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 Trust Bank 3-2.
| s stc Bank №17 · SAMA 76 /100 | T Trust Bank №67 · MAS 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 52 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank SAMA | Payment inst. MAS |
| Deposit guarantee Per depositor | €200,000 SA.SAMA-DPS | Safeguarded SG.SDIC |
| 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 4.6 · And 4.5 | 4.7 ★ iOS 4.7 · And 4.6 |
| 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 Trust Bank if…
Singapore's third Digital Full Bank under MAS — Standard Chartered + FairPrice (NTUC) JV. SDIC cover via the DFB licence. FairPrice grocery-spending integration is unique to its parents. ~800K SG customers in first year.
- Best for fees Trust Bank won 1 of 4
- Best for protection stc Bank won 2 of 2
- Best for reach Tied
- Best for ux Trust Bank won 1 of 2
stc Bank vs Trust Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is stc Bank better than Trust Bank?
Under our v3 methodology, stc Bank leads Trust Bank 3–2 across 12 dimensions. Composite scores: stc Bank 76/100 vs Trust Bank 52/100. stc Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is stc Bank or Trust Bank cheaper?
Monthly fee — stc Bank: €0; Trust Bank: €0. Card FX markup — stc Bank: 1.50%; Trust Bank: 1.00%. Trust 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, stc Bank or Trust Bank?
stc Bank holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. Trust Bank holds a Payment inst. licence under MAS; deposit guarantee per depositor: Safeguarded. stc Bank is the stronger pick on regulatory protection.
Where can I use stc Bank and Trust Bank?
stc Bank operates in 1 country; Trust 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.