Updated September 29, 2026 · VaultCue Editorial Team
Fortuneo vs SCB PLANET prepaid Visa
Fortuneo
SCB PLANET prepaid Visa
Higher score in this comparison
Fortuneo vs SCB PLANET prepaid Visa: the differences
| Compare | FortuneoReviewSee alternativesSee alternatives | SCB PLANET prepaid VisaReviewSee alternativesSee alternatives |
|---|---|---|
| Access terms | Savings accessible 24/7, withdrawals free from EUR 10 with no fees or penalties, interest credited annually | 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 | 5% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Minimum deposit | €10 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Same on both: Account kind (Easy access).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- SCB PLANET prepaid Visa scores higher overall: 9.4 vs 9.2.
- Founded is lower at SCB PLANET prepaid Visa: 1906 vs 2000.
- Support channels: only Fortuneo offers Phone, Email, Chat.
Our verdict on each
Fortuneo
Fortuneo suits anyone in France who wants easy-access savings that earn a variable rate without a monthly charge. Arkea Direct Bank runs it under ACPR and ORIAS, savings sit under EU DGS up to EUR 100,000, and a 5% headline rate beats the site median of 3%.
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 | Fortuneo | SCB PLANET prepaid Visa |
|---|---|---|
| Cost | 8.8No monthly fee of €0 on savings, a currency conversion fee of 0%, transfers at 0 EUR (instant SEPA transfers free). | 9.3Higher |
| Offer | 9.7HigherA variable headline rate of 5% on an easy-access account, with joint account and free ATM withdrawal features. | 8.8 |
| Trust | 9.3 | 9.9Higher |
How they place
| Ranking | Fortuneo | SCB PLANET prepaid Visa |
|---|---|---|
| Savings accounts | 196 of 1420 | 108 of 1420 |
Every fact side by side
| Fact | Fortuneo | SCB PLANET prepaid Visa |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Arkea Direct Bank | Siam Commercial Bank PCL |
| Headquarters | France | Thailand |
| Founded | 2000 | 1906Lower |
| Support channels | Phone, Email, Chat, Help centreCovers more | Help centre |
Everyday accounts
| Fact | Fortuneo | SCB PLANET prepaid Visa |
|---|---|---|
| Currency conversion fee | 0% | Not confirmed |
| Currencies | Not confirmed | 14 |
| Audience | Travelers | Not confirmed |
| Features | Joint account, Digital only, Free ATM | Not confirmed |
| Local account details | IBAN | Not confirmed |
| Transfer fee | 0 EUR (instant SEPA transfers free) | THB 100 per overseas ATM cash withdrawal; no annual fee |
Money transfer
| Fact | Fortuneo | 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 | Fortuneo | SCB PLANET prepaid Visa | Median |
|---|---|---|---|
| Headline rate | 5%above the median | Not confirmed | 3.25% |
| Minimum deposit | €10above the median | Not confirmed | €1 |
Median across 658 listed accounts.
Pros and cons
Fortuneo
Pros
- No monthly fee of €0 on the savings account, matching the site median of €0.
- A variable headline rate of 5% against a site median of 3%.
- Savings under EU DGS up to EUR 100,000, with Arkea Direct Bank regulated by ACPR and ORIAS.
Cons
- The rate is variable, so 5% can move rather than being locked in.
- Interest is credited annually, so credited growth shows up on the annual cycle rather than monthly.
- A branch counter is not among the features listed as joint account, digital only and free atm, so banking runs through the app.
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
Fortuneo
Who it suits
- People in France keeping money accessible day to day while it earns interest.
- Travellers who convert currency, with a 0% currency conversion fee.
- Couples who want to hold a joint account.
Who should look elsewhere
- Anyone wanting a fixed rate, since the rate is variable.
- Anyone who needs a branch, as the account is digital-only.
- People who need monthly interest, as interest is credited annually.
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
Fortuneo
Current offer
Bonus
EUR 80 for a first deposit account with Gold Mastercard: 80 EUR
First opening of a deposit account with Gold Mastercard, 5 payments within 90 days, welcome offer code BIENVENUEFTO
Source, checked September 26, 2026
Country by country
| Country | Fortuneo | SCB PLANET prepaid Visa |
|---|---|---|
| France | Yes | No |
| Thailand | No | Yes |
Questions about each
Fortuneo
What is the headline rate on Fortuneo savings?+
The savings account pays a variable headline rate of 5%, above the site median of 3%. Because the rate is variable it can move, so the credited amount is not fixed in advance. Interest is credited annually.
Is there a monthly fee?+
No. The monthly fee is €0, the same as the site median of €0. Fortuneo runs a no-monthly-fee model, which is the most common model in this category on the site.
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
Fortuneo
SCB PLANET prepaid Visa