Updated October 14, 2026 · VaultCue Editorial Team
Cake by VPBank vs SCB PLANET prepaid Visa
Cake by VPBank
SCB PLANET prepaid Visa
Higher score in this comparison
What sets them apart
| Compare | Cake by VPBankReviewSee alternativesSee alternatives | SCB PLANET prepaid VisaReviewSee alternativesSee alternatives |
|---|---|---|
| Access terms | Terms from 1 to 36 months; interest paid at beginning of term, end of term, monthly or quarterly; early partial or full withdrawal allowed, minimum partial withdrawal 100,000 VND (or 10% of the deposit) capped at 90% of the book, minimum remaining balance 100,000 VND; deposits covered by Vietnamese deposit insurance | 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 |
| Account kind | Fixed | Easy access |
| Headline rate | 4.75% to 7.4% | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Term | 1 to 36 months | Not confirmed |
| Minimum deposit | ₫100,000 | Not confirmed |
| Monthly fee | Not confirmed | THB 0 |
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Key differences
- SCB PLANET prepaid Visa scores higher overall: 9.4 vs 8.4.
- Founded is lower at SCB PLANET prepaid Visa: 1906 vs 2021.
- Support channels: only Cake by VPBank offers Phone, Email.
- Pricing model: only Cake by VPBank offers Fixed rate.
- Pricing model: only SCB PLANET prepaid Visa offers No monthly fee.
Our verdict on each
Cake by VPBank
Cake’s standard term deposit in Vietnam has a stated minimum of VND 100,000 and terms from 1 to 36 months. Interest can be paid at the beginning or end of the term, monthly or quarterly. The page describes partial or full early withdrawal subject to terms and confirms the deposit through Smart OTP.
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 | Cake by VPBank | SCB PLANET prepaid Visa |
|---|---|---|
| Cost | Not confirmed | 9.3 |
| Offer | 9.0Higher | 8.8 |
| Trust | 8.0 | 9.9Higher |
How they place
| Ranking | Cake by VPBank | SCB PLANET prepaid Visa |
|---|---|---|
| Savings accounts | 586 of 1420 | 108 of 1420 |
| Money transfer services | 451 of 1564 | 83 of 1564 |
Every fact side by side
| Fact | Cake by VPBank | SCB PLANET prepaid Visa |
|---|---|---|
| Pricing model | Fixed rate | No monthly fee |
| Legal entity | VPBank Joint Stock Commercial Bank (Ngân hàng TMCP Việt Nam Thịnh Vượng) | Siam Commercial Bank PCL |
| Headquarters | Vietnam | Thailand |
| Founded | 2021 | 1906Lower |
| Support channels | Phone, Email, Help centreCovers more | Help centre |
Money transfer
| Fact | Cake by VPBank | SCB PLANET prepaid Visa |
|---|---|---|
| Transfer fee | 2-10 USD per transaction, plus 11,000 VND per month service fee (fees include 10% VAT) | THB 100 per overseas ATM cash withdrawal; no annual fee |
| Exchange rate markup | Not confirmed | 0% |
| Delivery time | Same day (VND credited the same day if funds arrive before the currency cut-off during processing hours, next business day if after cut-off) | Within 7 business days by post; instant issue at 13 designated SCB branches |
| Payout methods | Bank | Bank, Cash pickup, CardCovers more |
| Currencies | 10 | 14Higher |
| Fee to send 1,000 | $2 to $10 | Not confirmed |
Everyday accounts
| Fact | Cake by VPBank | SCB PLANET prepaid Visa |
|---|---|---|
| Features | Digital only | Not confirmed |
Where each stands against the rest
| Fact | Cake by VPBank | SCB PLANET prepaid Visa | Median |
|---|---|---|---|
| Headline rate | 4.75% to 7.4%highest quarter | Not confirmed | 3.25 |
| Term | 1 to 36 monthsabove the median | Not confirmed | 24 |
| Minimum deposit | ₫100,000at the median | Not confirmed | ₫100,000 |
Median across 658 listed accounts.
Pros and cons
Cake by VPBank
Pros
- The listed deposit minimum is VND 100,000, with terms from 1 to 36 months.
- Interest-payment choices include the start or end of term, monthly or quarterly.
Cons
- Early partial or full withdrawal is subject to account terms; the page does not establish interest treatment after withdrawal.
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
Cake by VPBank
Who it suits
- Customers in Vietnam reviewing standard term-deposit options in Cake’s VPBank digital ecosystem.
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
Current offers
Cake by VPBank
Current offer
Bonus
Sep & Oct 2026 - New savers get +2.2%/year extra interest: +2.2%/year on first-time term deposits from 100,000 VND, terms 6-12 months, total up to 9.6%/year
First-time savings deposit at Cake, terms 6-13 months, promo terms apply
Source, checked September 26, 2026
Bonus
Sep & Oct 2026 - Loyal savers get up to +2.2%/year extra interest: up to +2.2%/year bonus, up to 9.6%/year total
Existing loyal savers, terms 6-13 months, promo terms apply
Source, checked September 26, 2026
Discount code
Save from 100 million VND and get BIGBANG show tickets: code BB20
Deposits from 100,000,000 VND with terms from 6 months
Source, checked September 26, 2026
Country by country
| Country | Cake by VPBank | SCB PLANET prepaid Visa |
|---|---|---|
| Thailand | No | Yes |
| Vietnam | Yes | No |
Questions about each
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.
Can I withdraw cash with this card while I am in Thailand?+
No. Cash withdrawals are overseas only, so the card works as a spending and cash alternative abroad rather than for local withdrawals in Thailand. Each overseas ATM cash withdrawal costs THB 100 per overseas ATM cash withdrawal; no annual fee.
How do I add money to the card?+
Top up through the SCB EASY App, which is also where the card is managed. The card is a prepaid Visa, so it works as a cash alternative rather than a bank account you hold a balance in.
Other options to compare
Other matchups
Related by the facts
Cake by VPBank
SCB PLANET prepaid Visa