Updated September 29, 2026 · VaultCue Editorial Team
PKO Bank Polski vs SCB PLANET prepaid Visa
PKO Bank Polski
SCB PLANET prepaid Visa
Higher score in this comparison
What sets them apart
| Compare | PKO Bank PolskiReviewSee alternativesSee alternatives | SCB PLANET prepaid VisaReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | PLN 0 | THB 0 |
| Currencies | 10 | 14Higher |
| Transfer fee | 0 zł for internal, standard and SEPA Standard foreign transfers in iPKO and the IKO app; 10 zł for standard or SEPA Standard foreign transfers to another account holder in a branch or by phone line | THB 100 per overseas ATM cash withdrawal; no annual fee |
| Currency conversion fee | 0% | Not confirmed |
| Local account details | IBAN | Not confirmed |
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Key differences
- SCB PLANET prepaid Visa scores higher overall: 9.4 vs 9.3.
- Currencies is higher at SCB PLANET prepaid Visa: 14 vs 10.
- Support channels: only PKO Bank Polski offers Chat, Phone.
Our verdict on each
PKO Bank Polski
PKO Bank Polski pairs a monthly fee of PLN 0 with a currency conversion fee of 0%, so the everyday costs sit at the floor. It suits expats and Polish residents who want an easy-access account with local IBAN details, a variable savings rate and free ATM withdrawals.
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 | PKO Bank Polski | SCB PLANET prepaid Visa |
|---|---|---|
| Cost | 9.4HigherMonthly fee PLN 0 and currency conversion at 0%, ranking 1 of 312 on conversion. | 9.3 |
| Offer | 9.2HigherSavings headline rate 4%, variable, 10 currencies and iban local details. | 8.8 |
| Trust | Not confirmed | 9.9 |
How they place
| Ranking | PKO Bank Polski | SCB PLANET prepaid Visa |
|---|---|---|
| Savings accounts | 156 of 1420 | 108 of 1420 |
| Money transfer services | 120 of 1564 | 83 of 1564 |
Every fact side by side
| Fact | PKO Bank Polski | SCB PLANET prepaid Visa |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM | Not confirmed |
| Legal entity | PKO Bank Polski Spółka Akcyjna | Siam Commercial Bank PCL |
| Headquarters | Poland | Thailand |
| Founded | Not confirmed | 1906 |
| Support channels | Chat, Phone, Help centreCovers more | Help centre |
Savings
| Fact | PKO Bank Polski | SCB PLANET prepaid Visa |
|---|---|---|
| Headline rate | 4% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Access terms | Interest capitalised monthly, first monthly transfer out and branch withdrawals free of charge | 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 | Easy access | Easy access |
Money transfer
| Fact | PKO Bank Polski | SCB PLANET prepaid Visa |
|---|---|---|
| Exchange rate markup | Not confirmed | 0% |
| Delivery time | Immediate between own accounts | Within 7 business days by post; instant issue at 13 designated SCB branches |
| Payout methods | Bank | Bank, Cash pickup, CardCovers more |
| Fee to send 1,000 | PLN 0 | Not confirmed |
Where each stands against the rest
| Fact | PKO Bank Polski | SCB PLANET prepaid Visa | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | Not confirmed | 0.5% |
| Currencies | 10above the median | 14above the median | 5 |
Median across 536 listed accounts.
Pros and cons
PKO Bank Polski
Pros
- Monthly fee PLN 0 and a currency conversion fee of 0% on everyday and foreign transfers.
- The savings headline rate is 4% on an easy access account, with interest capitalised monthly.
- Transfers between own accounts are Immediate between own accounts, and the local account details are iban.
Cons
- Only 10 currencies, ranking 103 of 379.
- Foreign transfers to another account holder cost more in a branch or by phone line than the PLN 0 charged in the app.
- The 4% headline sits on a variable rate, so it can move.
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
PKO Bank Polski
Who it suits
- Expats and residents in Poland who want an easy access account with iban details.
- Savers happy with a variable rate and interest capitalised monthly.
- People who send money abroad but need only 10 currencies.
Who should look elsewhere
- PayPal Colombia, whose monthly fee is $0, suits a wallet rather than a Polish bank account.
- Skrill, whose monthly fee is €0, suits readers who want wallet balances.
- eToro, whose monthly fee is £0, suits balances held on an investment platform.
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
PKO Bank Polski
Current offer
Bonus
Do 600 zł z PKO Kontem za Zero (Letni Bonus): up to 600 zł
Open PKO Konto za Zero online with a Visa card, enter code LATO and meet the remaining terms of the 'Letni Bonus' promotion
Source, checked September 26, 2026
Bonus
Do 600 zł do sklepu Samsung (Rabat w górę): up to 600 zł
Open PKO Konto za Zero online and meet the terms of the 'Rabat w górę' promotion
Source, checked September 26, 2026
Bonus
Nawet 1200 zł zwrotu za zakupy na Allegro (Allegro Klik): cashback up to 3%, max 100 zł per month, up to 1200 zł
Open a personal account, link it to an Allegro account and activate Allegro Klik; cashback paid for purchases made with Allegro Klik
Source, checked September 26, 2026
Country by country
| Country | PKO Bank Polski | SCB PLANET prepaid Visa |
|---|---|---|
| Poland | Yes | No |
| Thailand | No | Yes |
Questions about each
PKO Bank Polski
What does it cost to keep an account here?+
The monthly fee is PLN 0 on the everyday account, so keeping it open carries no standing charge. Interest on the linked savings side is a separate matter, paid at a 4% headline rate that can move.
Is there a charge for converting currency?+
The currency conversion fee is 0% in the app, which places PKO Bank Polski at 1 of 312 brands on that measure, well under the site median of 0.5%. Transfers between own accounts are Immediate between own accounts.
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
Other rankings
PKO Bank Polski
SCB PLANET prepaid Visa