Updated September 29, 2026 · VaultCue Editorial Team
Mercado Pago vs SCB PLANET prepaid Visa
Mercado Pago
SCB PLANET prepaid Visa
Higher score in this comparison
What sets them apart
| Compare | Mercado PagoReviewSee alternativesSee alternatives | SCB PLANET prepaid VisaReviewSee alternativesSee alternatives |
|---|---|---|
| Access terms | Money usable at any time, no IOF, accrues daily on business days, no minimum balance | 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 | R$0 | THB 0 |
| Headline rate | 105% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Minimum deposit | R$0 | 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 9.3.
- Mercado Pago is available in 2 more countries.
- Support channels: only Mercado Pago offers Phone.
Our verdict on each
Mercado Pago
Mercado Pago pays a headline rate of 105% on money that stays usable at any time, with a monthly fee of BRL 0 and a minimum deposit of BRL 0, which suits businesses and teens who want a balance that earns while it sits. The rate is variable, so the return can move.
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 | Mercado Pago | SCB PLANET prepaid Visa |
|---|---|---|
| Cost | 9.3A monthly fee of BRL 0 and a minimum deposit of BRL 0 on an easy access account. | 9.3 |
| Offer | 9.2HigherA headline rate of 105% on money that stays available, credited on business days with no minimum balance. | 8.8 |
| Trust | Not confirmed | 9.9 |
How they place
| Ranking | Mercado Pago | SCB PLANET prepaid Visa |
|---|---|---|
| Savings accounts | 150 of 1420 | 108 of 1420 |
| Money transfer services | 114 of 1564 | 83 of 1564 |
Every fact side by side
| Fact | Mercado Pago | SCB PLANET prepaid Visa |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Mercado Pago Instituicao de Pagamento Ltda. | Siam Commercial Bank PCL |
| Headquarters | Brazil | Thailand |
| Founded | Not confirmed | 1906 |
| Support channels | Help centre, PhoneCovers more | Help centre |
Everyday accounts
| Fact | Mercado Pago | SCB PLANET prepaid Visa |
|---|---|---|
| Currencies | 2 | 14Higher |
| Audience | Business, Teen | Not confirmed |
| Features | Digital only | Not confirmed |
| Transfer fee | Free | THB 100 per overseas ATM cash withdrawal; no annual fee |
Money transfer
| Fact | Mercado Pago | SCB PLANET prepaid Visa |
|---|---|---|
| Exchange rate markup | Not confirmed | 0% |
| Delivery time | Instant | Within 7 business days by post; instant issue at 13 designated SCB branches |
| Payout methods | Not confirmed | Bank, Cash pickup, Card |
| Fee to send 1,000 | ARS 0 | Not confirmed |
Where each stands against the rest
| Fact | Mercado Pago | SCB PLANET prepaid Visa | Median |
|---|---|---|---|
| Headline rate | 105%highest quarter | Not confirmed | 3.25% |
| Minimum deposit | R$0lowest quarter | Not confirmed | R$1 |
Median across 658 listed accounts.
Pros and cons
Mercado Pago
Pros
- A headline rate of 105%, placed 1 of 473 on headline rate here.
- A monthly fee of BRL 0 and a minimum deposit of BRL 0, so nothing is listed to pay for holding the balance.
- Money stays usable at any time, accrues daily on business days, with no IOF charged on the balance.
Cons
- The rate is variable, so the return can move rather than being set in advance.
- Support runs on help centre and phone only, a narrower set of routes than a branch counter.
- The account is digital only, so there is nothing to visit in person.
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
Mercado Pago
Who it suits
- Businesses that park sales money in the account and want it to earn between payments.
- Teen users opening a first account: the audience is listed as business and teen and the minimum deposit is BRL 0.
- Anyone who needs a balance that can be spent on the same day it accrues interest.
Who should look elsewhere
- PayPal Colombia, listed at 3.3% on headline rate, for anyone who wants a far lower advertised figure.
- Readers who want a rate fixed in advance, since the rate here is variable. Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59% for a side-by-side check.
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
Mercado Pago
Current offer
Bonus
Cofrinhos yield 120% of CDI with Meli+: 120% of CDI on Cofrinhos
Active Meli+ subscription; Cofrinhos are part of the Mercado Pago account
Source, checked September 26, 2026
Country by country
| Country | Mercado Pago | SCB PLANET prepaid Visa |
|---|---|---|
| Argentina | Yes | No |
| Brazil | Yes | No |
| Mexico | Yes | No |
| Thailand | No | Yes |
Questions about each
Mercado Pago
What rate does Mercado Pago pay on the balance?+
The account pays a headline rate of 105%. The rate type is variable, so the figure can move rather than staying set for a term. Interest accrues daily on business days and the money remains usable at any time.
Is there a monthly fee to pay?+
The monthly fee is BRL 0 and the pricing model is no monthly fee, so there is no recurring charge to keep an eye on. Money also leaves without a listed charge, at ARS 0 per transfer.
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
Mercado Pago
SCB PLANET prepaid Visa