Updated September 29, 2026 · VaultCue Editorial Team
SCB PLANET prepaid Visa vs Up
SCB PLANET prepaid Visa
Higher score in this comparison
Up
Where SCB PLANET prepaid Visa and Up differ
| Compare | SCB PLANET prepaid VisaReviewSee alternativesSee alternatives | UpReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | THB 0 | A$0 |
| Transfer fee | THB 100 per overseas ATM cash withdrawal; no annual fee | Free for domestic Pay Anyone transfers, BPAY and direct debits; international transfers sent via Wise |
| Currency conversion fee | Not confirmed | 0% |
| Currencies | 14 | Not confirmed |
| Free ATM withdrawals | Not confirmed | A$0 |
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Key differences
- Support channels: only Up offers Chat, Phone, Email.
- Pricing model: only Up offers Low FX.
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.
Up
Up suits anyone who wants an everyday Australian account that charges no monthly fee and no currency conversion fee. The monthly fee is AUD 0, the currency conversion fee is 0%, and the account is provided by Bendigo and Adelaide Bank Limited, with a variable rate on balances.
Score breakdown
| Area | SCB PLANET prepaid Visa | Up |
|---|---|---|
| Cost | 9.3 | 9.4HigherCash withdrawals are free within the allowance of AUD 0 and the minimum deposit is AUD 0, so running costs stay low. |
| Offer | 8.8 | 9.2HigherBuilt for travelers, with help on chat, phone and email and an Australian Credit Licence, 237879. |
| Trust | 9.9 | Not confirmed |
How they place
| Ranking | SCB PLANET prepaid Visa | Up |
|---|---|---|
| Current and checking accounts | 43 of 885 | 44 of 885 |
| Savings accounts | 108 of 1420 | 110 of 1420 |
Every fact side by side
| Fact | SCB PLANET prepaid Visa | Up |
|---|---|---|
| Audience | Not confirmed | Travelers |
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Features | Not confirmed | Free ATM, Joint account |
| Legal entity | Siam Commercial Bank PCL | Bendigo and Adelaide Bank Limited |
| Headquarters | Thailand | Australia |
| Founded | 1906 | Not confirmed |
| Support channels | Help centre | Chat, Phone, Email, Help centreCovers more |
Money transfer
| Fact | SCB PLANET prepaid Visa | Up |
|---|---|---|
| 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 | Up |
|---|---|---|
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | A$0 |
| 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 | On-demand easy access via the Up app; interest activates after 5 eligible card purchases in a month, no deposit required |
| Account kind | Easy access | Easy access |
Where each stands against the rest
| Fact | SCB PLANET prepaid Visa | Up | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0%below the median | 0.5% |
| Currencies | 14above the median | Not confirmed | 5 |
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
Up
Pros
- No monthly charge on the everyday account: AUD 0.
- No currency conversion fee: 0%.
- Joint accounts and free cash machine withdrawals are both on the free atm and joint account list.
Cons
- Interest activates only after a set number of eligible card purchases in a month, so a balance must see card spending first.
- The account kind is easy access with a variable rate, so a fixed-rate term is not part of the deal.
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
Up
Who it suits
- People in Australia who want a current account with AUD 0 a month and 0% on currency conversion.
- The travellers Up is aimed at, since its listed audience is travelers.
- Pairs who want to share one account, as a joint account appears under free atm and joint account.
Who should look elsewhere
- Readers who want a euro account rather than an Australian one, since €0 a month at XTB and €0 at AXI Card Tarjeta y Credito sit outside Up's Australian base.
- Anyone focused mainly on moving money rather than holding a bank balance, where Skrill charges €0 a month.
Current offers
Up
Current offer
Bonus
Sign up & SCORE $10 with code UPYEAH10: $10 AUD
Code must be used at sign-up via the Up app; offer only applies to individuals opening a new Up Everyday Account
Source, checked September 26, 2026
Country by country
| Country | SCB PLANET prepaid Visa | Up |
|---|---|---|
| Australia | 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.
Up
What does it cost to hold an Up account?+
Up charges a monthly fee of AUD 0 on the everyday account, and the currency conversion fee is 0%. The minimum deposit is AUD 0. Domestic Pay Anyone transfers, BPAY and direct debits are free, while international transfers are sent through Wise.
Who provides the account and what licence is behind it?+
The account comes from Bendigo and Adelaide Bank Limited, Bendigo and Adelaide Bank Limited, which is based in Australia, AU. Up also holds an Australian Credit Licence, 237879, and an Australian Financial Services Licence in Australia.
Other options to compare
Other matchups
Related by the facts
SCB PLANET prepaid Visa