STC Pay • Fees & limits

STC Pay fees & limits for Gulf-based users and players

Before you rely on STC Pay for online services, subscriptions or entertainment, it’s essential to understand the fees and limits attached to your account so you don’t get surprised by a declined payment, unexpected charge or a hard stop in the middle of the month.

Exact numbers change over time. This page gives you a clear framework of what to watch inside your own app.

Why fees and limits matter before you deposit

Many players focus only on “does the payment go through?”, but in reality:

  • Small fees add up over time and eat into your real budget.
  • Daily and monthly limits can suddenly block you from topping up further.
  • Payments in foreign currencies can trigger extra checks and FX adjustments.

Understanding fees and limits is part of responsible money management, whether you’re using STC Pay for entertainment, subscriptions or general online spending.

Main types of fees you may see in STC Pay

High-level overview – always confirm the exact numbers in your app

STC Pay usually groups fees into a few main categories. Not all of them will apply to every account, but you should be aware of where costs can appear:

Fee type When it might apply
Top-up or transfer fees When you load STC Pay via local bank transfer, Mada/credit card or other funding options. Some routes may be free or cheap, others may cost more in exchange for speed or flexibility.
Card issuance / management fees If there is a fee to issue a virtual or physical card, or a recurring subscription for a premium card. Always read the card details in the “Cards” section before activating.
Currency conversion (FX) fees When paying in a currency other than SAR, the final amount can include exchange-rate differences and small processing fees. Minor differences are normal – big gaps are a red flag worth checking.
Withdrawal / external transfer fees In some cases, moving funds from STC Pay to external accounts or destinations may carry a fee depending on the route and destination.
The safest habit is to always read the “Fees” line in the confirmation screen inside your app before you tap “Confirm”.

Account and card limits you should know about

STC Pay applies several daily and monthly limits to protect both you and the wider system. The most important ones to understand:

Wallet & account-level limits

On your balance & flows

Maximum wallet balance, total daily or monthly outflows (payments, transfers, withdrawals). These are often tied to your verification level (KYC) and account type.

You can usually see these in your account details or “Limits” section inside the app.

Card-level limits (virtual/physical)

On card transactions

Maximum amount per transaction, daily cap and monthly cap for online card payments. These limits can be different from your wallet-level limits.

Check the card details page in your app for up-to-date card limits and any changes.

If you plan to use STC Pay more heavily – for example, multiple subscriptions plus regular entertainment spending – it’s important to review these limits in advance instead of discovering them mid-month.

How to check your personal fees and limits inside the app

Rather than rely on generic examples, you should always confirm what applies to your account:

  • Open your STC Pay / STC Bank app.
  • Go to account settings or any “Fees & limits” / “Account information” section.
  • Review wallet balance limits and daily/monthly movement caps.
  • Open your virtual / physical card details and read its specific limits and fees.

If there’s ever a conflict between a generic FAQ on the web and what your app shows, trust the app first and contact official support if needed.

Simple examples based on usage style

Light player with small monthly budget

Illustrative only

Tops up 300–400 SAR once per month via bank transfer and uses the virtual card only on trusted platforms, with three or four sessions in total. Here the focus is mainly on top-up fees and the card’s monthly spending limit.

Heavy digital user with multiple subscriptions

Mixed spending

Uses STC Pay for streaming, apps, games and other online services, and occasionally for entertainment platforms. They care about keeping per-transaction fees reasonable and avoiding hitting their monthly caps too early.

These are just sketches, not recommendations. Always align your budget and limits with your income, obligations and risk tolerance.

Quick checklist before any larger STC Pay transaction

  • Confirm the way you plan to use STC Pay is legal and compliant with local rules and STC’s terms.
  • Check your current fees and limits inside the app (account + card).
  • Run a small test transaction first to see how it behaves.
  • Capture screenshots of amounts before and after for your own records.
Important: Trying to bypass limits or use STC Pay in ways that break its terms can result in temporary or permanent account restrictions. Always stay within local regulations.
Read common STC Pay issues & fixes Back to the STC Pay HUB