STC Pay is a financial company owned by STC. It is a secure digital wallet in the form of a smartphone app that empowers you as an individual or a business to take full control of your finances at your fingertips – anytime, anywhere.
How does STC Pay benefit me?
Your STC Pay digital wallet is designed for you to effortlessly make time-saving payments – whether you are getting coffee, settling bills, splitting the dinner check with friends, or making transfers to family members – without having to carry your wallet, worrying about change, or the hassle of entering your credit card information when shopping online.
Will I be charged for opening an account?
Not at all. The STC Pay service is completely free.
How do I register?
Simply download the STC Pay from the Apple Store or Play Store and our app will guide you through your registration process.
Can I create an account without being an STC user?
Yes, you can create an account and use STC Pay.
Can I still can use the application, if my camera isn’t working?
Some shops can scan your QR without the need of your phone camera; everything else would work normally.
Is STC Pay a Credit Card?
No, STC Pay is a digital wallet.
How do I transfer my wallet from one device to another?
You can transfer your wallet by following these steps:
Press the settings tab in the app
Choose the ‘delete my information’ option
Download the app on your new device
Click on the “sign in” option
Enter the following information: (Mobile number, owner’s ID number, owner’s date of birth as found in Absher)
I have more than one number on the same ID number, can I create a wallet for each number?
No, you can only have one digital wallet for each ID number
Can I restore my account and my money from my previous wallet if I moved the wallet from my device to a new one?
Yes, your previous information and money will be saved in the wallet.
I want to move my wallet to another number (registered on the same ID), can I do that?
Yes, but you must first delete your information from your device then log back in with the new number you want to use to open for the wallet.
What is a shared wallet or a shared account?
Shared wallets are accounts that you can share with your friends or family members who have STC Pay accounts so you can take part in managing their payments.
When I send money from my wallet to my colleague’s wallet, it shows me a different name. What’s the reason?
This happens when the number is registered in the wallet is registered under someone else’s ID. but, we recommend to call your colleague’s and confirm.
How can I use my digital wallet at shops?
Simply scan the QR code at the cashier using the STC Pay app, you will then be asked to enter the amount and pay. Make sure your software is updated, and to enable the STC Pay app to use your smartphone camera from your smartphone’s settings.
If I pay more than the invoice amount, how I can get my money back?
The store will be able to refund you in that case. If you had an issue with the store, kindly our Call Center
How can I use STC Pay to transfer money to a friend (wallet-to-wallet)?
Simply, select a name from your contact list and send! The money will be transferred within seconds.
What is the maximum transfer limit?
There’s no transfer limit, as long as it doesn’t exceed your wallet monthly limit SR 10,000.
What is the minimum amount for transfers between wallets?
There’s no minimum amount for transfers between wallets.
Where can I use my digital wallet?
You can use your digital wallet to make purchases at shops, supermarkets, gas stations, restaurants, stores, as well as to pay bills and local transfers.
How can I deposit money to my account?
You can fund your wallet using one of the following methods:
Through SADAD transfers
Through IBAN transfers
STC Pay wallet to wallet transfers
Through QR scans
Through your bank card
Are there fees on recharging my wallet?
Yes, there is a maximum fee of SR 4.50 on special recharges like SADAD + VAT, given that the amount does not exceed SR 10,000 (the maximum monthly account limit)
(Free for a limited period)
Can I fund my wallet using SAWA Cards?
The service is currently unavailable.
Can I fund my Wallet using Postpaid invoices?
The service is currently unavailable.
How can I fund my wallet using SADAD?
You must first complete your account information in the app by filling the ‘Customer Data Form’, then copy the SADAD number provided by the app and click on the ‘Services’ icon in your bank account, and choose STC from the list. You can then add the registration number and choose the preferred amount.
How can I fund my wallet through my bank account?
You must first complete your account information in the app by filling the ‘Customer Data Form’, then you can copy the in-app IBAN and add it as a beneficiary to your bank for direct transfers.
Does recharging the wallet through SADAD accept payments less than SR 1000?
Yes, you can choose the amount you want to add through SADAD، note that the minimum is 100 SR
What is the minimum amount for wallet funding?
There is no minimum amount for wallet-to-wallet or bank account transfers, but when charging via SADAD, the minimum amount is 100 Saudi Riyals.
When transferring from my SADAD account to my wallet, why does the bill show as SR 1000?
After clicking on SADAD for money transfer, click the “Other Amount” icon to add the required amount or to change the amount from the specified box, provided that it is not less than 100 riyals.
Is the app safe?
Yes, the app is secure because:
The application can only be downloaded if there is a security lock on the phone
The application automatically locks itself even when you do not manually log out after using it.
When transferring an amount of more than 50 riyals between wallets via QR code, you are required to enter your password
When transferring money from wallet to a bank account, you will receive a confirmation call, in-case you didnt answer the call we will call you again or you can call us on 920011444 to confirm the transaction. if no confirmation recived within 24 hours the money will be back to your account.
Can someone use my wallet in case I lost my phone?
We recommend that you activate a security lock for your device when you start using the STC Pay application. However, there is a limit for transfers when using the app without a security lock. To report the loss of the wallet, please contact the unified number 920011444 so we can stop all operations and provide the necessary support. We are happy to serve you 24 hours.
Am I required to have a pin code on my phone to use the app?
We recommend that you activate a strong pin code for your device when you start using the STC Pay application.