Partner link
Jetonbank
Digital Banking
View providerJetonbank (opens in a new tab)São Tomé, São Tomé and Príncipe
Compare digital bank accounts, business banking, international money transfers, currency exchange and investing services available to residents of São Tomé.
Featured provider links
Digital Bank Networks may earn a commission when you open an account through partner links. This does not affect the price you pay. Read our affiliate disclosure.
Partner link
Digital Banking
View providerJetonbank (opens in a new tab)Partner link
Money Transfers
View providerRemitly (opens in a new tab)Partner link
Crypto Accounts
View providerNexo (opens in a new tab)Partner link
Business Banking & Payments
View providerWorldFirst (opens in a new tab)Partner link
Business Banking & Payments
View providerRevolut Business (opens in a new tab)Partner link
Global Payments
View providerPayoneer (opens in a new tab)These are partner links and we may earn a commission. Availability, eligibility, pricing and product terms vary by provider, residency and jurisdiction. Crypto-related products are volatile and can lose value. Confirm current terms directly with each provider.
Featured banking services
The five services people in São Tomé compare most on Digital Bank Networks. Each one links to the providers we feature and to a full comparison for São Tomé.
A digital bank account lets people in São Tomé, São Tomé and Príncipe open and manage an account from a phone, without visiting a branch. If you earn or spend in STN (Dobra (São Tomé and Príncipe redenominated its currency in 2018, with 1 new dobra = 1,000 old dobras; ISO code STN replaced the old STD)), compare whether each provider gives you local account details or only an international IBAN.
Before you sign up
São Tomé and Príncipe has no separate IBAN: accounts at the small banking sector carry the banks' own numbering, and cross-border transfers quote the SWIFT/BIC. Confirm the provider is authorised by Banco Central de São Tomé e Príncipe (BCSTP) or passported into São Tomé and Príncipe.
Business banking in São Tomé, São Tomé and Príncipe covers company accounts, payment cards for staff, invoicing and paying suppliers abroad. Freelancers, startups and exporters in São Tomé often use a digital business account alongside a local bank.
Before you sign up
Banks and other financial institutions must be licensed by the Banco Central de São Tomé e Príncipe under the financial institutions law, and payment institutions and e-money issuers need BCSTP authorisation. The market is small, with a handful of licensed banks, so verify the licence on the BCSTP's registers before holding dobras with a provider. Ask what company documents the provider needs for a business registered in São Tomé and Príncipe.
Money transfer services let people in São Tomé, São Tomé and Príncipe send money abroad or receive it in STN (Dobra (São Tomé and Príncipe redenominated its currency in 2018, with 1 new dobra = 1,000 old dobras; ISO code STN replaced the old STD)). The real cost is the fee plus the gap between the provider's exchange rate and the mid-market rate, so compare both.
Before you sign up
Domestic interbank payments settle through the BCSTP's payment arrangements, and cross-border transfers move over SWIFT largely in euros, with Portuguese and regional correspondents playing the leading role given the country's ties to Portugal; card spending rides Visa/Mastercard rails and acceptance is concentrated in São Tomé city. Mobile money and digital payment penetration is limited, so cash and in-branch service remain important alongside banking apps.
Global payment accounts help people in São Tomé, São Tomé and Príncipe get paid by clients, marketplaces and platforms in other countries, then convert the money into STN (Dobra (São Tomé and Príncipe redenominated its currency in 2018, with 1 new dobra = 1,000 old dobras; ISO code STN replaced the old STD)). They are popular with freelancers, online sellers and remote workers in São Tomé.
Before you sign up
Check which currencies you can receive, the conversion fee to STN (Dobra (São Tomé and Príncipe redenominated its currency in 2018, with 1 new dobra = 1,000 old dobras; ISO code STN replaced the old STD)), and the withdrawal fee to a local account in São Tomé and Príncipe.
Crypto accounts let people in São Tomé, São Tomé and Príncipe buy, hold and in some cases earn interest on digital assets, and convert back to STN (Dobra (São Tomé and Príncipe redenominated its currency in 2018, with 1 new dobra = 1,000 old dobras; ISO code STN replaced the old STD)). Crypto rules differ widely by country and change often.
Before you sign up
Check whether the platform is registered with Banco Central de São Tomé e Príncipe (BCSTP) or another authority that oversees crypto in São Tomé and Príncipe. Crypto is volatile and is usually not covered by deposit protection.
Featured providers may include partner links that earn us a commission at no cost to you. Availability and terms depend on your residency in São Tomé and Príncipe; confirm details with each provider.
Local banking essentials
Banks and other financial institutions must be licensed by the Banco Central de São Tomé e Príncipe under the financial institutions law, and payment institutions and e-money issuers need BCSTP authorisation. The market is small, with a handful of licensed banks, so verify the licence on the BCSTP's registers before holding dobras with a provider.
Check Banco Central de São Tomé e Príncipe (BCSTP)(opens in a new tab)São Tomé and Príncipe has no separate IBAN: accounts at the small banking sector carry the banks' own numbering, and cross-border transfers quote the SWIFT/BIC.
Local currency: STN (Dobra (São Tomé and Príncipe redenominated its currency in 2018, with 1 new dobra = 1,000 old dobras; ISO code STN replaced the old STD))
Domestic interbank payments settle through the BCSTP's payment arrangements, and cross-border transfers move over SWIFT largely in euros, with Portuguese and regional correspondents playing the leading role given the country's ties to Portugal; card spending rides Visa/Mastercard rails and acceptance is concentrated in São Tomé city. Mobile money and digital payment penetration is limited, so cash and in-branch service remain important alongside banking apps.
Our original directory of financial services, listed category by category in editorial order. Availability, eligibility, pricing and product terms vary by provider, residency and jurisdiction. Confirm details directly with the provider.
Global money management built for business
Europe's leading mobile bank — built for the 21st century
WorldFirst-powered multi-currency accounts and transfers across 2,500+ cities and 200+ countries.
Bank of The Free — designed for those who live differently
Global financial infrastructure for modern businesses
The mobile banking membership built for immigrants in the US
Get $100 when you join — automatic savings, zero fees, no stress
We'll both earn $100 — get paid 2 days early & $750 Paycheck Advance
The bank account that works harder for you
Award-winning banking for personal and business
Get paid globally. Pay suppliers. Grow your business.
All-in-one financial super-app for the world
Canada's no-fee digital bank — global transfers, cash back & New to Canada banking
The account built for the world
Europe's leading mobile bank — built for the 21st century
Banking for everyone — regardless of where you come from
The world's most trusted way to pay and get paid
Bank of The Free — designed for those who live differently
Shop now, pay later — on your terms
Latin America's banking revolution — now the world's largest digital bank
Get your money right — the all-in-one US financial app
All-in-one financial super-app for the world
Everyday spending and saving for Canadians
Canada's no-fee digital bank — global transfers, cash back & New to Canada banking
Canadian digital bank with high-interest savings and no-fee everyday accounts.
South African digital bank linking accounts and cards to the Vitality rewards programme.
Nigerian digital bank with free transfers, savings and a debit card.
The business account built for global growth
Global payments for small businesses — 70+ currencies, no account fees
Global financial infrastructure for modern businesses
WorldFirst-powered multi-currency accounts and transfers across 2,500+ cities and 200+ countries.
Expert FX transfers for individuals and businesses
Automate your accounts payable from A to Z
EU business banking done better — Finnish IBAN, SEPA Instant & global transfers
Virtual and physical corporate cards for business spending
A working business account within 1 day
Do the business side of things, better.
Get paid globally. Pay suppliers. Grow your business.
Up to 2% cashback on every business purchase — physical & virtual Visa
Your money, working nonstop
Buy gold and silver bullion online — best price guaranteed
Recover up to 72% of lost subscription revenue — on autopilot.
The world's No.1 CFD and spread betting provider
Premium multi-asset trading for serious investors
Invest in stocks, ETFs, options and crypto — commission-free
Invest, borrow, and bank — automated and free
Automated investing built to maximise long-term wealth
Invest your spare change and build wealth over time
Trade commodity & index futures with a globally regulated broker
Payments, point of sale and business banking in one
Global payroll and employer of record
Invoicing and accounting for small businesses
Smarter financial reporting and consolidation for multi-entity businesses
Automate bookkeeping from receipts and invoices
Australian business bank lending to small and medium-sized enterprises.
Currency data and international money transfers to over 130 countries.
Award-winning FX specialist since 1996
WorldFirst-powered multi-currency accounts and transfers across 2,500+ cities and 200+ countries.
International money transfers and FX for individuals and businesses.
Peer-to-peer currency exchange and international transfers.
Better rates are only the beginning — personal & business FX
Global payments for small businesses — 70+ currencies, no account fees
Expert FX transfers for individuals and businesses
Award-winning currency transfers with a personal account manager
Fast, affordable remittances for immigrants worldwide
Send money to 130+ countries — fast, low-fee international transfers
Better rates are only the beginning — personal & business FX
WorldFirst-powered multi-currency accounts and transfers across 2,500+ cities and 200+ countries.
Award-winning FX specialist since 1996
Send money worldwide — fast, reliable, trusted
Smart money transfers with real rewards
Digital wallet for online payments, money transfers and crypto.
Send money to India at Google rates — zero fees, earn $40 per referral
The fastest growing crypto platform in the world
Earn, borrow, and grow your crypto wealth
Trade more with zero spreads
WorldFirst-powered multi-currency accounts and transfers across 2,500+ cities and 200+ countries.
Multi-asset trading with crypto and CFDs
Banking, investing & payments in your pocket
The world's largest cryptocurrency exchange
Crypto exchange for spot, futures and margin trading.
The secure, professional-grade crypto exchange
Hardware crypto wallet for offline storage of digital assets.
Hardware crypto wallet with the Ledger Live app for managing assets.
Buy and sell Bitcoin and other crypto with card or bank transfer.
Crypto derivatives exchange for futures and perpetual contracts.
Enterprise-grade blockchain infrastructure for modern applications.
The easiest, most trusted way to buy and sell crypto
Social trading — invest alongside millions of others
Simple, powerful CFD trading on global markets
Global crypto exchange and Web3 wallet
Instant, non-custodial crypto swaps
Accept crypto payments in your business
Automated crypto trading bots, AI insights, and unified control across 17 exchanges
Automated crypto trading bots in the cloud
Find crypto price gaps across exchanges
Book travel with crypto
Open an account today and start earning up to $1,000 of IBKR Stock for free.
Award-winning forex & CFD broker since 2006
Trade commodity & index futures with a globally regulated broker
Regulated CFD and forex broker trusted since 1977
Reliable European forex & CFD trading
Trade more with zero spreads
Multi-asset trading with crypto and CFDs
Real funding. No delays. No hidden rules.
Buy gold, silver and precious metals from a trusted name
Buy gold and silver bullion online — best price guaranteed
Charts, screeners and a community of traders
Invest for your kids’ future
The AI app that actually fixes your finances
AI financial planning — see your net worth, runway & retirement in 60 seconds
Supercharge your finances — free credit, budgeting, and identity protection in one app
Easy and fast credit for everyday use
The powerful, privacy-focused personal finance manager
Take control of your family finances today, tomorrow, and ten years from now
UK's smart money-saving app powered by Open Banking
See if you may qualify for debt relief — free inquiry, no obligation.
Czech peer-to-peer lending — borrow from real people
Financial services for Czech freelancers and the self-employed
Quick online loans for Czech residents
Fast online microloans for Romania residents
Online consumer loans for Romanian residents
Fast online microloans for Kazakhstan residents
Préstamos personales rápidos en línea para México
Préstamos personales en México con proceso simple y rápido
Crédito acessível com garantia de celular para classes C e D
Empréstimo pessoal usando seu celular como garantia.
La voie d'accès aux fonds privés
Virtual Prepaid Cards from Visa & Mastercard — Canada
Buy gift cards from hundreds of trusted brands
Online personal loans in Mexico
Software to start and run a credit repair business
White-label payment gateway for businesses worldwide
Cloud card-issuing and payment processing platform for banks and fintechs.
The neo-bank built for the digital economy
The global standard for practical finance training and certification
Online marketplace comparing loan and mortgage offers from multiple lenders.
Compare personal loan, student loan and mortgage rates from vetted lenders.
Fast financing for real estate investors
Travel insurance covering trip cancellation, medical emergencies and baggage.
Travel insurance for travelers and adventure activities in over 150 countries.
Term life insurance with online applications and adjustable coverage.
Business insurance for startups and small companies, purchased online.
Payroll, benefits and HR for small businesses
Payroll, HR, IT and global employment platform for growing companies.
Global payouts and contractor payments for international teams.
Credit and charge cards with travel rewards and purchase protection.
Credit cards, checking and savings accounts with no foreign transaction fees.
WorldFirst-powered multi-currency accounts and transfers across 2,500+ cities and 200+ countries.
Buy gift cards from hundreds of trusted brands
Global payments for small businesses — 70+ currencies, no account fees
India's most trusted small finance bank
India's largest pure-play credit card issuer
India's most popular zero-balance digital savings account
India's premium credit card for defence personnel & government employees
Curated for your lifestyle. Packed with perks.
Free RuPay credit card with unlimited rewards
India's super app credit card with NeuCoin rewards
India's most widely accepted EMI network card
Get up to AED 1,000 cashback or annual fee waiver on new Citi credit cards.
All your banking. Done right — for the self-employed
More services
Explore the remaining banking categories available in São Tomé.
Disclosure
Digital Bank Networks is a financial comparison platform, not a bank. We may receive compensation when users click links or open accounts with our partners. This never affects which providers we list or how we describe them. All services are provided by licensed financial institutions; availability, eligibility, pricing and product terms vary by provider, residency and jurisdiction.