STC Pay
STC Pay is a digital bank (saudi arabia) issued on Visa, rated 7.3/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
STC Pay is the strongest fit for app store / play and free issuance, and asks for ID + proof at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | STC Pay · Digital Bank (Saudi Arabia) |
| Official site | https://stcpay.com.sa |
| Best for | App Store / Play · Free issuance |
| Network | Visa |
| Rating | 7.3/10 (3.5★, 315 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free |
| Monthly / annual fee | Free (no maintenance, no minimum balance) |
| FX / conversion fee | 1.0-1.5% FX margin (remittances); international card fees vary |
Verification and risk
| KYC required | Yes |
| Risk level | Low |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes (SARIE / SADAD) |
Billing
| Billing country | Saudi Arabia |
Platform compatibility
| App Store / Google Play | Yes |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 475624 | Visa | Saudi Arabia | Debit | 307 | 224 | 73.0% |
We logged 224 cleared charges out of 307 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Visa virtual cards
Frequently asked
What does STC Pay cost to run?
The cost lines stack like this: issuing the card is free; there is no monthly fee on the entry tier; conversion is priced at 1.0-1.5% FX margin (remittances); international card fees vary. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for STC Pay?
STC Pay asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
How can I fund STC Pay?
You can fund it with bank transfer (SARIE / SADAD). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does STC Pay need?
Setting it up: cards are issued against Saudi Arabia; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does STC Pay work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will STC Pay trigger 3-D Secure?
Yes. STC Pay supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.