Updated September 29, 2026 · VaultCue Editorial Team
bunq vs SCB PLANET prepaid Visa
bunq
SCB PLANET prepaid Visa
Higher score in this comparison
What sets them apart
| Compare | bunqReviewVisitVisit | SCB PLANET prepaid VisaReviewSee alternativesSee alternatives |
|---|---|---|
| Access terms | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly | Prepaid card usable as a cash alternative; 14 currencies, 24/7 FX and top-up via SCB EASY App; overseas ATM withdrawal only, none in Thailand |
| Monthly fee | €0 | THB 0 |
| Headline rate | 3.01% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Same on both: Account kind (Easy access).
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Key differences
- SCB PLANET prepaid Visa scores higher overall: 9.4 vs 8.9.
- Founded is lower at SCB PLANET prepaid Visa: 1906 vs 2012.
- bunq is available in 6 more countries.
- Support channels: only bunq offers Email, Chat.
Our verdict on each
bunq
bunq suits savers who want an easy-access euro account that costs nothing to keep and pays a variable rate with weekly interest, protected by an EU guarantee. The rate of 3.01% is solid rather than remarkable, and support runs on email, chat and help centre only.
SCB PLANET prepaid Visa
The SCB PLANET prepaid Visa sits with the no monthly fee accounts, charging THB 0 a year and holding 14 currencies with a 0% exchange rate markup. It suits travellers and expatriates in Thailand who want a card that costs nothing to hold.
Score breakdown
| Area | bunq | SCB PLANET prepaid Visa |
|---|---|---|
| Cost | 9.1Monthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan. | 9.3Higher |
| Offer | 9.1HigherRate of 3.01% that is variable, close to the savings median of 3%. | 8.8 |
| Trust | 8.7 | 9.9Higher |
How they place
| Ranking | bunq | SCB PLANET prepaid Visa |
|---|---|---|
| Savings accounts | 6 of 1420 | 108 of 1420 |
Every fact side by side
| Fact | bunq | SCB PLANET prepaid Visa |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | bunq B.V. | Siam Commercial Bank PCL |
| Headquarters | Netherlands | Thailand |
| Founded | 2012 | 1906Lower |
| Support channels | Email, Chat, Help centreCovers more | Help centre |
Everyday accounts
| Fact | bunq | SCB PLANET prepaid Visa |
|---|---|---|
| Currency conversion fee | 3% | Not confirmed |
| Currencies | Not confirmed | 14 |
| Audience | Expats, Travelers, Business, Student | Not confirmed |
| Features | Joint account, Digital only | Not confirmed |
| Local account details | IBAN | Not confirmed |
| Transfer fee | Not confirmed | THB 100 per overseas ATM cash withdrawal; no annual fee |
Money transfer
| Fact | bunq | SCB PLANET prepaid Visa |
|---|---|---|
| Exchange rate markup | Not confirmed | 0% |
| Delivery time | Not confirmed | Within 7 business days by post; instant issue at 13 designated SCB branches |
| Payout methods | Not confirmed | Bank, Cash pickup, Card |
Where each stands against the rest
| Fact | bunq | SCB PLANET prepaid Visa | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | Not confirmed | 3.25% |
Median across 658 listed accounts.
Pros and cons
bunq
Pros
- The monthly fee is €0 and the pricing model is no monthly fee, so keeping the account open costs nothing each month.
- Interest is paid weekly and the rate type is variable, so money keeps earning between withdrawals without a term to serve out.
- Balances are covered by EU DGS up to EUR 100,000, so there is a payout route if the provider fails.
Cons
- The rate type is variable, so the return follows the base rate and the account ranks 240 of 473 brands on the headline rate.
- Support runs on email, chat and help centre only, which leaves phone callers with a narrower route in.
- Features list joint account and digital only, so the service is digital only and there is no branch counter.
SCB PLANET prepaid Visa
Pros
- No monthly charge, so the card costs nothing to keep: THB 0 and the no monthly fee model
- Currency conversion carries a 0% markup, at the low end of the comparison
- Holds 14 currencies, more than most cards in the group
Cons
- Overseas ATM withdrawals cost THB 100 per overseas ATM cash withdrawal; no annual fee
- Support runs on help centre only
- ATM withdrawals are overseas only, with none available in Thailand
Who each suits
bunq
Who it suits
- People who want an easy-access euro account that pays interest weekly and costs nothing to hold.
- Travellers and expats, part of the expats, travelers and business bunq targets, who convert currency and want a local IBAN.
- Students and savers who value EU DGS up to EUR 100,000 over a higher rate.
Who should look elsewhere
- Anyone chasing a top fixed rate, since 24.19% at plazo pays far more.
- Customers who need a phone helpline, as support runs on email, chat and help centre only.
- Anyone wanting a branch counter, because features list joint account and digital only and the service is digital only.
SCB PLANET prepaid Visa
Who it suits
- Travellers spending in several currencies from a Thai bank account
- Expatriates and long stay visitors who top up through the SCB EASY App
- Anyone who wants a second card for cash and spending without a monthly fee
Who should look elsewhere
- People who need to withdraw cash in Thailand, as ATM withdrawals are overseas only
- Anyone who wants phone or chat support, since help centre is the listed channel
- Those who want a savings product, as this is a prepaid card rather than an interest account
Country by country
| Country | bunq | SCB PLANET prepaid Visa |
|---|---|---|
| Belgium | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Spain | Yes | No |
| Thailand | No | Yes |
Questions about each
bunq
What does bunq charge to keep a savings account?+
The monthly fee is €0 and the account is priced on a no monthly fee basis, so there is no recurring charge to keep it open. The one cost to watch when you spend abroad is currency conversion at 3% on the free plan. Interest is still paid weekly with no fee deducted.
How much interest does the account pay?+
The rate is 3.01% and the rate type is variable, so the figure follows the base rate instead of being fixed to a term. Across the savings accounts on the site, the median headline rate is 3%, which puts bunq near the middle. Interest is credited weekly rather than monthly.
SCB PLANET prepaid Visa
How much does the SCB PLANET prepaid Visa cost to hold?+
There is a monthly fee of THB 0, so the card sits with accounts that charge nothing for holding it. Overseas ATM cash withdrawals cost THB 100 per overseas ATM cash withdrawal; no annual fee. Spend on the card itself adds no separate fee in the published terms.
What currencies can the card hold and what does conversion cost?+
The card covers 14 currencies, with conversion carried at a 0% exchange rate markup. The markup is priced at the low end of the group, where the higher cards charge a wider spread on the same conversion.
Other options to compare
Other matchups
Related by the facts
bunq
SCB PLANET prepaid Visa