Updated October 14, 2026 · VaultCue Editorial Team
SCB PLANET prepaid Visa vs Sumeria
SCB PLANET prepaid Visa
Higher score in this comparison
Sumeria
Where SCB PLANET prepaid Visa and Sumeria differ
| Compare | SCB PLANET prepaid VisaReviewSee alternativesSee alternatives | SumeriaReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | THB 0 | €0 |
| Transfer fee | THB 100 per overseas ATM cash withdrawal; no annual fee | 0 EUR (all transfers free on the free Carte Basique offer) |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Currency conversion fee | Not confirmed | 0% |
| Currencies | 14 | Not confirmed |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | Not confirmed | €250 |
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Key differences
- SCB PLANET prepaid Visa scores higher overall: 9.4 vs 8.9.
- Founded is lower at SCB PLANET prepaid Visa: 1906 vs 2011.
- Sumeria is available in 1 more country.
- Support channels: only Sumeria offers Email, Phone, Chat.
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.
Sumeria
Sumeria is an easy-access French account with instant access to a French IBAN and a variable rate of 1% to 2%, which suits travellers who want euro banking without a fixed term. It is regulated and deposit protected, so the trade-off is the low rate rather than the safety of the money.
Score breakdown
| Area | SCB PLANET prepaid Visa | Sumeria |
|---|---|---|
| Cost | 9.3Higher | 9.1Monthly fee €0 and transfer fee €0, with conversion fee 0%. |
| Offer | 8.8 | 9.0Higher |
| Trust | 9.9Higher | 8.8 |
How they place
| Ranking | SCB PLANET prepaid Visa | Sumeria |
|---|---|---|
| Current and checking accounts | 43 of 885 | 121 of 885 |
| Savings accounts | 108 of 1420 | 442 of 1420 |
| Money transfer services | 83 of 1564 | 325 of 1564 |
Every fact side by side
| Fact | SCB PLANET prepaid Visa | Sumeria |
|---|---|---|
| Audience | Not confirmed | Travelers |
| Pricing model | No monthly fee | No monthly fee |
| Features | Not confirmed | Free ATM |
| Legal entity | Siam Commercial Bank PCL | Lydia Solutions |
| Headquarters | Thailand | France |
| Founded | 1906Lower | 2011 |
| Support channels | Help centre | Email, Help centre, Phone, ChatCovers more |
Money transfer
| Fact | SCB PLANET prepaid Visa | Sumeria |
|---|---|---|
| Exchange rate markup | 0% | 0% |
| Delivery time | Within 7 business days by post; instant issue at 13 designated SCB branches | Instant |
| Payout methods | Bank, Cash pickup, CardCovers more | Bank, Card |
| Fee to send 1,000 | Not confirmed | €0 |
Savings
| Fact | SCB PLANET prepaid Visa | Sumeria |
|---|---|---|
| Headline rate | Not confirmed | 1% to 2% |
| 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 | No commitment, instant access to a French IBAN; Basic offer: up to 2,000 EUR payments and withdrawals per month, 3 free ATM withdrawals per month, card free |
| Account kind | Easy access | Easy access |
Where each stands against the rest
| Fact | SCB PLANET prepaid Visa | Sumeria | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0%below the median | 0.5% |
| Currencies | 14above the median | Not confirmed | 5 |
| Free ATM withdrawals | Not confirmed | €250above the median | €1 |
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
Sumeria
Pros
- Instant access to a French IBAN with no commitment, so the account works around a trip
- Money sits under EU DGS up to EUR 100,000, and the account runs on a French e-money licence from ACPR with an ORIAS registration
- Transfers arrive in Instant time and payouts go to a bank account or a card (bank and card)
Cons
- The variable rate of 1% to 2% sits under the savings median of 3.08% on the site, so the money earns less than most savings accounts listed
- The Basic offer caps payments and withdrawals each month, and the free ATM allowance stands at €250
- The account is easy-access (easy access) and the rate is variable, so there is no term to lock the rate in for
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
Sumeria
Who it suits
- Travellers in France who want a local IBAN, with Instant payments and no commitment
- Euro spenders who want the free card on the Basic offer and payouts to a bank or card (bank and card)
- Euro savers who care more about protection of EU DGS up to EUR 100,000 than about the rate
Who should look elsewhere
- Savers chasing a higher return: Plazo ES shows a headline rate of 24.19% against 1% to 2% here
- People set on a card and credit product: AXI Card Tarjeta y Credito is built around a card at 21.59%, while Sumeria is an easy-access account (easy access)
- Wallet-first users: PayPal Colombia sits at a headline rate of 3.3% and suits wallet balances, whereas Sumeria suits euro banking on a French IBAN
Current offers
Sumeria
Current offer
Bonus
Remunerated current account: 2% for the first 3 months, then 1%: 2% gross annual rate for the first 3 months, then 1%
At least 10 eligible card payments per month with a Sumeria card, interest calculated daily and paid monthly; rate applies to total balances across Sumeria accounts capped at 100,000 EUR (100,000 EUR cap if the Black Card offer is taken); reserved for French and Belgian tax residents; rate subject to change
Source, checked September 26, 2026
Country by country
| Country | SCB PLANET prepaid Visa | Sumeria |
|---|---|---|
| Belgium | No | Yes |
| France | No | Yes |
| Thailand | Yes | No |
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.
Sumeria
What does a Sumeria account cost to run?+
The monthly fee is €0, so holding the account is free. Transfers are free on the free Carte Basique offer, where the transfer fee is 0 EUR (all transfers free on the free Carte Basique offer). Currency conversion comes with a fee of 0% and an exchange rate markup of 0%.
Is my money protected at Sumeria?+
Deposits are covered by EU DGS up to EUR 100,000. The account is run by Lydia Solutions as an e-money institution authorised to issue payment services by ACPR, with an ORIAS registration as an agent of an investment service provider, so French regulators sit over the account.
Other options to compare
Related by the facts
SCB PLANET prepaid Visa
Sumeria