FAQs

Opening a business account is fully digital and takes approximately 5–7 minutes if you have all the required documents ready. Applications are typically reviewed and activated within 24–48 business hours, with no branch visit required.

Yes. Your virtual IBAN receives both local and international payments, and you can access all your account information online anytime.

Once your application is approved, your portal login details are sent to you securely so you can start managing your finances right away.

For W.L.L. companies: Commercial Registration (CR), Bank Statement, VAT Certificate, Memorandum of Association, and CPRs of shareholders holding more than 20%. For Sole Proprietorships: Commercial Registration (CR) and Bank Statement.

You can issue up to 20 cards across your employees, teams, and departments, each with its own balance and spending controls.

The stc pay Business Card combines instant virtual issuance, per-card spending limits, and automatic cashback — giving you full control without sacrificing employee convenience.

Yes. From the portal you can set individual spending limits, restrict transaction types, and freeze or unfreeze any card in seconds.

You can freeze the card instantly from the portal to prevent any unauthorised use. Contact our support team to arrange a replacement card.

Yes. Local transfers (Fawri+) and international wire transfers both run through the same guided flow in your portal — no switching between systems.

Yes. Beneficiaries are saved with their status, country, and last-paid date so you can reuse them without re-entering details.

Yes. Live FX rates are shown by destination before you commit to a transfer — no hidden charges or surprises at checkout.

Yes. Your transaction history shows full status, amount, destination, and date for every transfer type, with export options for reconciliation.

Yes. Salary runs flow through LMRA-licensed, Central Bank-approved channels and are fully WPS compliant. Contact our team for current pricing details.

Yes. Bulk payroll lets you upload a salary file and pay all employees in a single run — no need to process them individually.

Yes. Non-WPS payments such as bonuses, allowances, and reimbursements use a separate flow so they stay clean of your WPS payroll records.

Yes. Every payroll run is logged with timestamps, amounts, and employee details — and available for regulatory reporting on demand.

You can pay direct billers and access Bahrain’s Fawateer network — covering utilities, government services, and telecom bills — all from a single place.

Yes. Bulk bill payment lets you pay multiple billers in one batch instead of one at a time, saving you significant manual effort.

Yes. Live Fawateer inquiries pull the exact amount due in real time before you confirm payment — no guessing or overpaying.

Yes. You can filter every bill payment by date or biller and export the history for reconciliation or audit purposes.

You can accept cards, BenefitPay, and stc pay checkout — both online and in-app — from a single integration with the widest coverage available in Bahrain.

Yes. stc pay Payment Acceptance is PCI-DSS compliant and processes all transactions through secure, bank-grade infrastructure.

Yes. The checkout integration works for both web and mobile environments, giving your customers a seamless experience wherever they shop.

Real-time settlement lands revenue directly in your dashboard. stc pay offers the widest payment coverage and lowest commission rates in Bahrain, with a fully integrated reporting suite.

stc pay Business is Bahrain’s all-in-one business finance platform. It combines accounts, corporate cards, payroll, transfers, bill payments, and cashback rewards in a single portal — with no branch visit required.

stc pay does not charge annual fees for your Business Account or cards. You pay only for the services you use. Contact our team for a full pricing breakdown.

Opening is fully digital and takes approximately 5–7 minutes if you have your documents ready. Applications are typically reviewed and activated within 24–48 business hours, with no branch visit required.

Yes. Your stc pay virtual IBAN supports both local Fawri+ transfers and international wire transfers from a single unified portal — no switching between systems.