STC Bank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
STC Bank suits business users in Saudi Arabia who want a prepaid card with nothing to pay each month. The monthly fee is SAR 0, while the currency conversion fee of 2% is the cost to weigh before a business trip abroad.
Key facts
- Best for
- Business users in Saudi Arabia who want a prepaid Visa with no monthly fee.
- Monthly fee
- SAR 0↗
- Currency conversion fee
- 2%↗
- Card type
- Prepaid↗
- Cashback rate
- 0.5%↗
- Card network
- Visa↗
- Legal entity
- STC Bank (closed mixed joint-stock company, CR 1010901344)↗
- Headquarters
- Saudi Arabia↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Features
- Virtual card, Travel
- Audience
- Business
- Official website
- stcbank.com.sa
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXappgallery.huawei.com
Pros and cons
Pros
- The monthly fee is SAR 0, so the card costs nothing to keep
- The card runs on visa, which is accepted widely
- Cashback of 0.5% adds a small return on spending
- Support covers email, chat and phone, so help is easy to reach
Cons
- The conversion fee of 2% is above the site median of 1%
- The stated audience is business, per business, so it suits company spending
- It is a prepaid card, so the balance must be topped up before use
Who it suits
- Business users in Saudi Arabia
- Teams wanting a prepaid Visa
- People who spend in Saudi Arabia
Who should look elsewhere
- Monzo Flex, if you want a debit card rather than a prepaid one
- Wise, if you convert several currencies for travel
- Bitpanda, if you want a card tied to a crypto platform
Trading and withdrawal fees
There is no monthly cost to hold the card, with a monthly fee of SAR 0. The cost to watch is currency conversion, set at 2%, which is above the site median of 1% and near the upper end of the range topping out at 10.5%. For a business that spends mostly in Saudi Arabia, that fee rarely applies, so the card can run at little cost day to day. Spending earns cashback of 0.5%, which softens the card slightly on regular purchases.
How STC Bank compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.6
8.8 vs 9.0
8.8 vs 9.1Its monthly fee is €0, which suits buyers who want a card alongside a crypto platform.
8.8 vs 8.9
8.8 vs 8.1
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 8.9- 8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.6
8.8 vs 8.5
8.8 vs 8.3
Where STC Bank is available
- Available
- Saudi Arabia
- Licence in Saudi Arabia
- Saudi Central Bank (SAMA) (Council of Ministers Resolution No. 671, 12/11/1442 H (22/06/2021)), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does the STC Bank card cost each month?+
The monthly fee is SAR 0, so there is no recurring charge to keep the card open. Costs appear when you spend in another currency. Cashback of 0.5% comes back on spending.
What is the currency conversion fee?+
The currency conversion fee is 2%. That sits above the site median of 1%, so it is worth checking against alternatives if you pay in foreign currency often on a business trip.
What type of card is this?+
The card is a prepaid Visa card, so it spends from a balance you top up first. It runs on visa. A virtual card and travel use are both listed under virtual card and travel.
Who is this card aimed at?+
The stated audience is business, per business. The bank is headquartered in Saudi Arabia, and the card is issued there. Personal users who want a debit account may prefer other options.
Is the bank regulated?+
The bank is licensed by the Saudi Central Bank (SAMA) in Saudi Arabia. It trades as a closed mixed joint-stock company, and its licence came from a Council of Ministers resolution.
How can I get help?+
Support runs on email, chat and phone. That means email, chat, phone and a help centre are all routes to the bank, which is useful if a card payment is stopped at a till or questioned.
Sources
- stcbank.com.sa checked September 26, 2026
Backs: Audience, Headquarters, Legal entity, Card network, Licences
“Business: open a business account, POS, e-commerce”
- stcbank.com.sa/web/guest/cards checked September 26, 2026
Backs: Card type, Cashback rate, Features, Currency conversion fee, Monthly fee
“Prepaid cards (Classic, Platinum, Signature, Mada); account balance is loaded, not credit”
- stcbank.com.sa/web/guest/notice-of-transformation-to-stc-... checked September 26, 2026
Backs: Support channels
“You can contact them via 8001180008 (toll-free inside Saudi Arabia) or 92001144, or via the live chat service in the app, or via email info@stcbank.com.sa, or via social media”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
STC Bank
Business users in Saudi Arabia who want a prepaid Visa with no monthly fee.