STC Pay is now STC Bank. STC Bank's notice on its website says its identity changed from stc pay to STC Bank, with the same corporate registration numbers, and that it is licensed by the Saudi Central Bank to carry out digital banking. People still search for it by the old name, so we keep it in the title.
The international transfer fee is a flat amount per country: SAR 15 to India, Bangladesh, Egypt, the Philippines, Sri Lanka, Sudan, Nepal and others; SAR 20 to Kenya, Bahrain, Kuwait, Oman and others; SAR 25 for the rest of the world, all before VAT. To Pakistan it is free from SAR 375, and SAR 15 below that. The bank's fee table is headed "International transfers (Western Union)".
Fees by country
This is STC Bank's international transfer fee table as we read it on 7 October 2026. It shows no amount bands except for Pakistan.
| Country | Fee |
|---|---|
| India, Bangladesh, Egypt, Philippines, Sri Lanka, Sudan, Nepal, Indonesia, Afghanistan, Vietnam, Yemen | SAR 15 |
| Bahrain, Kuwait, Oman, Jordan, Lebanon, Iraq, Morocco, Turkey, China, Ethiopia, Kenya, Palestinian Authority | SAR 20 |
| Pakistan | Free for SAR 375 or more; SAR 15 below that |
| Rest of the world | SAR 25 |
Countries the table doesn't name, such as Uganda and Cameroon, fall under "Rest of the world" if they are supported, and the table doesn't say which countries are. Confirm in the app before you promise anything to your recipient.
The bank also gives free international transfers by customer segment, set by your 3-month average balance: Plus (SAR 25,000) one transfer a month, Premium (SAR 50,000) two, Elite (SAR 200,000) unlimited; Classic gets none.
The fee is only half the cost. The other half, usually the larger, hides in the exchange rate, and the bank doesn't publish its margin:
An app can show a "low fee" on a weaker rate, and the recipient gets less. Always judge the amount that actually arrives, not the fee alone.
Countries and payout methods
STC Bank says transfers reach over 200 countries, and that you can receive in three ways: an account deposit, cash pickup or a wallet. Its pages don't name any wallet, or say which method is available for which country.
- Bangladesh: bKash's page lists STC Pay among its Saudi sending partners (archived copy, 2025).
- Philippines: GCash's official list of Saudi remittance partners (archived copy, August 2025) doesn't name STC Pay, and STC Bank names no wallet. Ask the app whether GCash appears for your recipient.
- Pakistan, India and Egypt: the fees above are confirmed. STC Bank doesn't name wallets or instant-payment systems for these countries, so we don't say it sends to JazzCash, Easypaisa or UPI.
Limits and speed
STC Bank's international transfer page says your transfers are "without limits", and we found no numeric limit published. Older stc pay pages mentioned a monthly wallet cap, but we found no current figure for the bank account, so confirm in the app which limit applies to your account.
The bank says your transfer "reaches worldwide instantly". It publishes no time for each payout method (account, cash or wallet) and says nothing about weekends, so we don't promise timing beyond what it says.
How to send
- In the STC Bank app, open International Transfer.
- Pick the recipient's country and payout method: account deposit, cash pickup or wallet.
- Enter the recipient's details and the amount.
- Review the fee and exchange rate the app shows, confirm, and keep the reference until the money arrives.
The app asks for whatever identity verification it needs. We found no activation step specific to international transfers in the bank's pages.
Receiving into your STC Bank account
The bank says you get a new account number and IBAN for your STC Bank account, and its FAQ says transfers are made by phone number, account number or IBAN. We found no official page explaining how to receive an international transfer into the account, and no published SWIFT code, so ask the app or support for the details before you give them to someone sending from abroad.
What about stc pay in Bahrain?
A separate service. stc Bahrain's page says stc pay is licensed by the Central Bank of Bahrain and supports transfers to over 60 countries in the GCC, MENA and globally; it doesn't link it to the Saudi product. The Alipay transfers stc Bahrain announced in January 2025 are Bahrain-only too.
STC Bank vs banks and exchange houses
STC Bank's flat fee is clear, and it suits a routine transfer to a country in the table when you want to do it from your phone. The full cost depends on the fee and the exchange rate together, and each option has its place:
- STC Bank suits you when your destination is in the table and you want to know the fee up front, or your balance qualifies for a segment with free transfers.
- Exchange houses and banks (such as Tahweel Al Rajhi and Enjaz) suit you when you need a destination or payout method STC Bank doesn't spell out. Their rate can differ from STC Bank's on the day, so compare.
The honest rule: compare the fee and the exchange rate together with each provider before you send; the cheapest changes by day and destination. For a quick start, our Saudi transfer calculator converts at the mid-market reference rate and lists the services to get a quote from; it does not show provider quotes. For a specific route, see our guide to sending from Saudi Arabia to Pakistan.