Updated September 29, 2026 · VaultCue Editorial Team
Mox Bank vs SCB PLANET prepaid Visa
Mox Bank
SCB PLANET prepaid Visa
Higher score in this comparison
Where Mox Bank and SCB PLANET prepaid Visa differ
| Compare | Mox BankReviewSee alternativesSee alternatives | SCB PLANET prepaid VisaReviewSee alternativesSee alternatives |
|---|---|---|
| Access terms | Interest credited daily to the Mox Account; savings balance usable for daily purchases | 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 | HK$0 | THB 0 |
| Headline rate | 0.001% | Not confirmed |
| Rate type | Variable | 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 8.6.
- Founded is lower at SCB PLANET prepaid Visa: 1906 vs 2020.
- Support channels: only Mox Bank offers Email, Phone, Community.
- Pricing model: only Mox Bank offers Low FX.
Our verdict on each
Mox Bank
Mox Bank suits readers who want a digital-only account that credits interest daily and moves money across several currencies, not the highest savings rate. The monthly fee on the easy access account is HKD 0, transfers carry fees of HKD 0, and the savings rate is 0.001%.
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 | Mox Bank | SCB PLANET prepaid Visa |
|---|---|---|
| Cost | 9.1 | 9.3Higher |
| Offer | 8.9HigherA variable savings rate of 0.001% and delivery in 20 seconds to 1 week keep the offer modest. | 8.8 |
| Trust | 8.1 | 9.9Higher |
How they place
| Ranking | Mox Bank | SCB PLANET prepaid Visa |
|---|---|---|
| Savings accounts | 559 of 1420 | 108 of 1420 |
| Money transfer services | 425 of 1564 | 83 of 1564 |
Every fact side by side
| Fact | Mox Bank | SCB PLANET prepaid Visa |
|---|---|---|
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Legal entity | Mox Bank Limited | Siam Commercial Bank PCL |
| Headquarters | Hong Kong | Thailand |
| Founded | 2020 | 1906Lower |
| Support channels | Email, Phone, Help centre, CommunityCovers more | Help centre |
Everyday accounts
| Fact | Mox Bank | SCB PLANET prepaid Visa |
|---|---|---|
| Currencies | 17Higher | 14 |
| Features | Digital only | Not confirmed |
| Transfer fee | 0 remit fees on all global money transfers (Express Remit) from 2 July 2024 | THB 100 per overseas ATM cash withdrawal; no annual fee |
Money transfer
| Fact | Mox Bank | SCB PLANET prepaid Visa |
|---|---|---|
| Exchange rate markup | Not confirmed | 0% |
| Delivery time | 20 seconds to 1 week | Within 7 business days by post; instant issue at 13 designated SCB branches |
| Payout methods | Bank, Wallet | Bank, Cash pickup, Card |
| Fee to send 1,000 | HK$0 | Not confirmed |
Where each stands against the rest
| Fact | Mox Bank | SCB PLANET prepaid Visa | Median |
|---|---|---|---|
| Headline rate | 0.001%lowest quarter | Not confirmed | 3.25% |
Median across 658 listed accounts.
Pros and cons
Mox Bank
Pros
- A monthly fee of HKD 0 on the account, with a no monthly fee and low fx pricing model.
- Transfer fees of HKD 0 on Express Remit transfers, paying out to bank and wallet.
- Interest is credited daily and the savings balance is usable for daily purchases.
Cons
- The savings rate of 0.001% sits far under the 3% common across the accounts compared here.
- The service is digital only, so everything runs through the app rather than a branch.
- Transfers can take 20 seconds to 1 week to arrive.
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
Mox Bank
Who it suits
- People who want the same balance to cover daily spending and savings, with interest credited daily.
- Readers who send money abroad regularly and value transfer fees of HKD 0.
- Anyone banking entirely in an app across 17 currencies.
Who should look elsewhere
- Anyone chasing a high savings rate, since AXI Card Tarjeta y Credito shows 21.59%.
- Readers who want more from a savings product: PayPal Colombia lists 3.3%.
- Plazo ES suits people who prefer a headline rate of 24.19% over daily crediting.
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
Mox Bank
Current offer
Bonus
Mission Bonus Rate: Up to 3.5% p.a. on deposit
Stacking missions; see Mission Bonus Rate Promotion (2026) Terms and Conditions
Source, checked September 26, 2026
Bonus
Mox Payroll: 1.5% p.a. savings top up
Set payroll with Mox; see Payroll Transfer Promotion Terms and Conditions
Source, checked September 26, 2026
Country by country
| Country | Mox Bank | SCB PLANET prepaid Visa |
|---|---|---|
| Hong Kong | Yes | No |
| Thailand | No | Yes |
Questions about each
Mox Bank
What does Mox Bank charge to keep an account open?+
The account carries a monthly fee of HKD 0, and the pricing model is no monthly fee and low fx. That matches the €0 median monthly fee across the accounts compared here, which leaves the account among the cheapest digital banks to hold.
How much interest do I earn on Mox savings?+
The headline rate is 0.001% and the rate type is variable, so the return can move rather than staying fixed for a term. Interest is credited daily to the Mox Account, and the savings balance can be spent on everyday purchases. Readers shopping for yield should compare the 3% median here.
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
Related by the facts
Mox Bank
SCB PLANET prepaid Visa