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Updated September 29, 2026 · VaultCue Editorial Team

N26 vs SCB PLANET prepaid Visa

N26 scores 9.1 and SCB PLANET prepaid Visa 9.4 out of 10. Compare their differences and shared features below.
N26

N26

9.1/10
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SCB PLANET prepaid Visa

SCB PLANET prepaid Visa

Higher score in this comparison

9.4/10
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Where N26 and SCB PLANET prepaid Visa differ

N26 vs SCB PLANET prepaid Visa
CompareN26N26ReviewVisitVisitSCB PLANET prepaid VisaSCB PLANET prepaid VisaReviewSee alternativesSee alternatives
Monthly fee€0THB 0
Currenciesfrom 3514
Transfer feeFree: no extra charge for Wise-powered international transfers; MoneyBeam domestic transfers freeTHB 100 per overseas ATM cash withdrawal; no annual fee
Deposit protectionEU DGS up to EUR 100,000Not confirmed
Currency conversion fee0%Not confirmed
Local account detailsIBANNot confirmed
Free ATM withdrawals€2Not confirmed

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 9.1.
  • Founded is lower at SCB PLANET prepaid Visa: 1906 vs 2013.
  • N26 is available in 20 more countries.
  • Support channels: only N26 offers Email, Chat, Phone.
  • Pricing model: only N26 offers Low FX.

Our verdict on each

N26

N26 suits people who want banking costs to stay flat and who move money across currencies often: the monthly fee is €0 and the currency conversion fee is 0%. It is aimed at expats, travelers, students and teens, and savings sit alongside the everyday account.

Read the full N26 review

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.

Read the full SCB PLANET prepaid Visa review

Score breakdown

N26 vs SCB PLANET prepaid Visa
AreaN26SCB PLANET prepaid Visa
Cost9.4HigherFees of €0 monthly and 0% to convert sit at position 1 of 500 and 1 of 312.9.3
Offer9.5HigherAimed at expats, travelers and student, holding from 35 currencies, with a joint account, digital-only service and easy-access savings.8.8
Trust8.59.9Higher

How they place

N26 vs SCB PLANET prepaid Visa
RankingN26SCB PLANET prepaid Visa
Savings accounts22 of 1420108 of 1420
Money transfer services11 of 156483 of 1564

Every fact side by side

N26 vs SCB PLANET prepaid Visa
FactN26SCB PLANET prepaid Visa
AudienceExpats, Travelers, Student, TeenNot confirmed
Pricing modelNo monthly fee, Low FXCovers moreNo monthly fee
FeaturesFree ATM, Joint account, Digital onlyNot confirmed
Legal entityN26 Bank SESiam Commercial Bank PCL
HeadquartersGermanyThailand
Founded20131906Lower
Support channelsEmail, Chat, Phone, Help centreCovers moreHelp centre

Savings

N26 vs SCB PLANET prepaid Visa
FactN26SCB PLANET prepaid Visa
Headline rate0.3% to 1.5%Not confirmed
Rate typeVariableNot confirmed
Access terms100% flexible: deposit and withdraw any amount, whenever you wantPrepaid 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 kindEasy accessEasy access

Money transfer

N26 vs SCB PLANET prepaid Visa
FactN26SCB PLANET prepaid Visa
Exchange rate markup0%0%
Delivery timeInstant to 1 business dayWithin 7 business days by post; instant issue at 13 designated SCB branches
Payout methodsBank, CardBank, Cash pickup, CardCovers more
Fee to send 1,000€0Not confirmed

Where each stands against the rest

N26 vs SCB PLANET prepaid Visa
FactN26SCB PLANET prepaid VisaMedian
Currency conversion fee0%below the medianNot confirmed0.5%
Currenciesfrom 35highest quarter14above the median5
Free ATM withdrawals€2above the medianNot confirmed€1

Median across 536 listed accounts.

Pros and cons

N26

Pros

  • Deposits are protected through EU DGS up to EUR 100,000, with N26 Bank SE supervised by BaFin in Germany.
  • The savings pot is easy access and fully flexible, so deposits and withdrawals happen in any amount, whenever you want.
  • Support is broad for an app-based bank, running on email, chat and phone.

Cons

  • The savings rate is variable and sits at 0.3% to 1.5%, below the 3% median across savings accounts on the site.
  • Local payment details run on iban, so UK sort codes and US ACH numbers are not part of the standard setup.

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

N26

Who it suits

  • Expats, travelers, students and teens who want spending and savings in the same app, with from 35 currencies to hold.
  • Readers who move money across borders, since transfers arrive in Instant to 1 business day and pay out to a bank account or a card.

Who should look elsewhere

  • Pixpay FR, because its monthly fee of €3.99 suits readers who will put regular use through the account rather than those who want a fee-free everyday account.
  • bunq Spain Bank Account, because a currency conversion fee of 3% suits readers banking mainly in euros and converting rarely.

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

N26

Current offer

  • Bonus

    1% travel cashback: 1% cashback for up to 12 months on qualifying Mastercard transactions outside the EEA, Switzerland and the UK

    N26 Go and Metal customers only; enrolment required via in-app message, email or push notification; up to 12 months

    Source, checked September 26, 2026

Country by country

N26 vs SCB PLANET prepaid Visa
CountryN26SCB PLANET prepaid Visa
AustriaYesNo
BelgiumYesNo
DenmarkYesNo
EstoniaYesNo
FinlandYesNo
FranceYesNo
GermanyYesNo
GreeceYesNo

8 of 22 countries where either is available.

Questions about each

N26

What does N26 cost to keep open each month?+

The everyday account is free to run: the monthly fee is €0, and N26 sits at position 1 of 500 brands on that column. Spending, savings and support all sit in the same app, so holding the account costs nothing to maintain.

How much does it cost to convert or send money abroad?+

Foreign currency conversion costs 0%, and the exchange rate margin is 0%. The transfer fee is free: no extra charge is added to Wise-powered international transfers, and MoneyBeam domestic transfers are free. That keeps the cost of moving money abroad close to nothing.

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

N26

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SCB PLANET prepaid Visa

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