Updated September 29, 2026 · VaultCue Editorial Team
SCB PLANET prepaid Visa vs SoFi
SCB PLANET prepaid Visa
Higher score in this comparison
SoFi
What sets them apart
| Compare | SCB PLANET prepaid VisaReviewSee alternativesSee alternatives | SoFiReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | THB 0 | $0 |
| Transfer fee | THB 100 per overseas ATM cash withdrawal; no annual fee | Outgoing domestic wire $30 per transfer; incoming wire $0 |
| Licence type | Not confirmed | Bank |
| Deposit protection | Not confirmed | FDIC up to USD 250,000 |
| Currency conversion fee | Not confirmed | 0% |
| Currencies | 14 | Not confirmed |
| Local account details | Not confirmed | Us ACH |
| Free ATM withdrawals | Not confirmed | $0 |
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 8.7.
- Founded is lower at SCB PLANET prepaid Visa: 1906 vs 2011.
Our verdict on each
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.
SoFi
SoFi suits US savers who want an online savings balance held beside their checking account, with deposits covered by FDIC up to USD 250,000 and a variable interest rate. Because it is an online-only direct bank, the savings balance is managed from your own screen rather than a branch counter.
Score breakdown
| Area | SCB PLANET prepaid Visa | SoFi |
|---|---|---|
| Cost | 9.3Higher | 9.1Monthly fee $0 and currency conversion fee 0%, against site medians of €0 and 0.5%. |
| Offer | 8.8Higher | 8.1 |
| Trust | 9.9Higher | 8.8 |
How they place
| Ranking | SCB PLANET prepaid Visa | SoFi |
|---|---|---|
| Current and checking accounts | 43 of 885 | 148 of 885 |
| Savings accounts | 108 of 1420 | 537 of 1420 |
Every fact side by side
| Fact | SCB PLANET prepaid Visa | SoFi |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Features | Not confirmed | Free ATM |
| Legal entity | Siam Commercial Bank PCL | SoFi Bank, National Association |
| Headquarters | Thailand | United States |
| Founded | 1906Lower | 2011 |
| Support channels | Help centre | Help centre |
Money transfer
| Fact | SCB PLANET prepaid Visa | SoFi |
|---|---|---|
| Exchange rate markup | 0% | Not confirmed |
| Delivery time | Within 7 business days by post; instant issue at 13 designated SCB branches | Not confirmed |
| Payout methods | Bank, Cash pickup, Card | Not confirmed |
Savings
| Fact | SCB PLANET prepaid Visa | SoFi |
|---|---|---|
| Rate type | Not confirmed | Variable |
| Access terms | 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 | Online-only direct bank, no physical branches; SoFi Savings bundled with SoFi Checking |
| Account kind | Easy access | Easy access |
Where each stands against the rest
| Fact | SCB PLANET prepaid Visa | SoFi | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0%below the median | 0.5% |
| Currencies | 14above the median | Not confirmed | 5 |
| Free ATM withdrawals | Not confirmed | $0at the median | $0 |
Median across 536 listed accounts.
Pros and cons
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
SoFi
Pros
- Deposits sit under FDIC up to USD 250,000, and the bank is listed as FDIC cert 26881
- The savings rate is variable and the account kind is easy access, so you can draw money out without a fixed term
- Cash machine use is listed under free atm, with an allowance of $0
Cons
- Support runs on help centre only, so no phone or email channel appears in the list
- Wire transfers come with Outgoing domestic wire $30 per transfer; incoming wire $0, so moving larger sums to someone else is not free
- The rate is variable, so what you earn can fall as well as rise
Who each suits
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
SoFi
Who it suits
- US residents who want savings and checking in a single place
- People who are happy to bank entirely online
- Savers who want a bank licence and insured deposits rather than a partner account
Who should look elsewhere
- XTB, if you hold UK pounds and want cover under FSCS up to GBP 85,000 rather than FDIC up to USD 250,000
- Plazo ES, whose fixed rate locks money away, when you would rather hold an easy access balance
- AXI Card Tarjeta y Credito, whose fixed rate suits readers who prefer a return locked for a set period
Country by country
| Country | SCB PLANET prepaid Visa | SoFi |
|---|---|---|
| Thailand | Yes | No |
| United States | No | Yes |
Questions about each
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.
SoFi
How much does SoFi Savings cost to hold?+
Nothing is charged to keep the balance open. The monthly fee is $0, and the account model is no monthly fee. Money only becomes costly when you move it in certain ways, such as sending a wire rather than making a standard transfer.
Is my money safe with SoFi?+
It sits with a bank, and deposits are covered by FDIC up to USD 250,000, so the balance is protected up to that limit. The bank is listed as FDIC cert 26881, a certificate you can check against the insurer's register.
Other options to compare
Other matchups
Related by the facts
SCB PLANET prepaid Visa
SoFi