SAIB vs STC Bank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SAIB
Access a full range of electronic banking services on your smart device. Even non-customers can benefit from additional functionalities. Perform banking operations and transactions instantly.
- Full range of electronic banking services
- Access via smart device
- Additional functionalities for non-customers
- Instant banking operations and transactions
- Online mobile banking login (FLEXX TOUCH)
- Supports Arabic and English languages
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يسر البنك السعودي للاستثمار تقديم "التطبيق المدمج للهواتف الذكية" والذي يمكنك من الوصول إلى مجموعة كاملة من الخدمات المصرفية الإلكترونية. اذا لم تكن عميلا للبنك السعودي للإستثمار، بامكانك تحميل التطبيق و الاستفادة من مجموعة من الوظائف و العمليات الاضافية. خدمات التطبيق لعملاء البنك السعودي للاستثمار: - الدخول لخدمة الانترنت البنكيه نسخة الأجهزة الذكية (فلكس تاتش) اينما كنت: الدخول لهذه الخدمة يكون عبر إستخدام اسم المستخدم و كلمة المرور الخاصة بخدمة الانترنت البنكية. بامكانك تنفيذ جميع العمليات البنكيه فوراً. و في حال لم تكن مسجلا بامكانك اتباع الخطوات الموضحة بعد الضغط على أيقونة الدخول. دعم اللغتين: العربية و الإنجليزية. ---------------- The Saudi Investment Bank (SAIB) is pleased to introduce its new hybrid application that allows you to access the entire range of Internet Banking services via your smart device. Furthermore non SAIB customers can install this application and benefit its additional functionalities. SAIB customers’ application services: - Login to your online mobile banking (FLEXX TOUCH): You can login via your existing online banking user credentials. You can perform any banking operation or transaction instantaneously. However, if you are not already registered, you can simply follow the steps on the registration page. Languages: Arabic and English
STC Bank
Manage your finances securely and easily with a wide range of digital banking services. Perform transactions, manage cards, and access various account features all within a single application.
- Manage multiple accounts
- Local & international transfers
- Card management (mada & Visa)
- Bill payment
- Financing options
- Saving accounts
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STC Bank app provides all products and digital services that enable you to manage your finances securely and easily with a click! including: Increasing the daily & monthly limits, mada & Visa cards, multiple accounts, local & international transfers, contact transfers & Qattah, Financing, Saving accounts, bill payment, and many more. Go beyond with STC Bank!
Screenshots
Verdict
The clearest difference is rating: STC Bank at 4.7 against SAIB's 1.6. STC Bank also leads on update cadence (every 5 days vs every 6 weeks) and review sentiment (38% vs 11%). SAIB's advantage is monetization model (free vs ad-supported). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
STC Bank holds the better App Store score, 4.7 against 1.6. That said, the two scores are not equally well evidenced: STC Bank has 45K ratings behind it against 96, so its average is the more settled of the two. Written reviews point the same way: 11% of SAIB's written reviews are positive against 38% of STC Bank's.
SAIB ships an update every 6 weeks, STC Bank every 5 days. The most recent releases landed on October 21, 2026 and October 25, 2026 respectively.
| Parameter | SAIB | STC Bank |
|---|---|---|
| Price | Free | Free |
| Rating | 1.6 (96 ratings) | 4.7 (45K ratings) — better |
| Positive reviews | 11.3% of reviews | 38.4% of reviews — better |
| Number of ratings | 96 | 45K — better |
| Update frequency | Every 6 weeks | Every 5 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad, Apple Watch — better | iPhone, iPod |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 28 MB | 461 MB |
| Age rating | 4+ | 12+ |
| Developer | The Saudi Investment Bank | STCPay |
Customer experience
SAIB
STC Bank
User reviews
SAIB
From 96 App Store ratingsWhat we love
- 💰 Good for international money transfers to India
- 🌐 Comprehensive range of banking services available
- 💳 Excellent international card with no fees
- 📱 Multiple service options accessible through app
Room to improve
- 🐢 Extremely slow and sluggish performance
- 🐛 Frequent crashes and freezing issues
- ❌ Constant login errors and authentication failures
- 🔧 Poor technical support and slow response times
- 😤 Outdated design and outdated technology stack
STC Bank
From 45K App Store ratingsWhat we love
- 👍 Easy and convenient
- 🚀 Good and fast
- 💡 Merge STC Pay and STC Bank into one app
Room to improve
- 🐛 Sluggish performance and technical issues
- 🐛 Frequent crashes and glitches
- 🐛 Unreliable registration and account setup
- 🔒 Security concerns
- 🔋 High battery consumption
Bugs and requests
SAIB
Reported bugs
16 issues- Login screen freezes and shows 'Try Again Later' errors
- Technical issues when accessing card information
- Flex Safe activation fails with 'information not found' error
- Text input boxes unresponsive to touches
- Touch ID authentication token failure (vascoSDK.-4005)
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- International transfer beneficiary feature broken
- Bill payment transactions fail to complete
- Multiple bill payments not processing
- App crashes when accessing cards
- Password reset returns 404 errors
- App logs out users unexpectedly
- Slow OTP/authorization code delivery
- App incompatible with iPhone X and newer models
- Display scaling issues on larger screens
- Recurring login issues after updates
- App hangs during end-of-day transaction processing
Requested features
12 requests- Face ID/Touch ID biometric authentication support
- Quick PIN entry option for faster login
- Dark mode option
- Improved app speed and performance optimization
- Mobile number-based transfers
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- Email-based transfers
- National ID-based transfers
- New beneficiary activation through app
- Support for latest iPhone screen sizes and models
- Apple keyboard auto-fill support
- Subscription/subscription management features
- Reduce 48-hour security hold period on transactions
STC Bank
Reported bugs
4 issues- Incorrect error messages
- Inability to add funds or transfer money
- Compatibility issues with older devices
- Inconsistent app behavior
Requested features
4 requests- Dark mode option
- Improved user experience
- Better customer support
- Expand availability beyond Saudi Arabia
In-app purchases
SAIB
No in-app purchases
STC Bank
No in-app purchases
