Updated September 29, 2026 · VaultCue Editorial Team
SCB PLANET prepaid Visa vs ZA Bank
SCB PLANET prepaid Visa
Higher score in this comparison
ZA Bank
What sets them apart
| Compare | SCB PLANET prepaid VisaReviewSee alternativesSee alternatives | ZA BankReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | THB 0 | HK$0 |
| Currencies | 14Higher | 11 |
| Transfer fee | THB 100 per overseas ATM cash withdrawal; no annual fee | FPS instant transfers free; SWIFT to 140+ countries and regions with zero ZA Bank fee |
| Free ATM withdrawals | Not confirmed | HK$0 |
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Key differences
- SCB PLANET prepaid Visa scores higher overall: 9.4 vs 8.7.
- Founded is lower at SCB PLANET prepaid Visa: 1906 vs 2020.
- Currencies is higher at SCB PLANET prepaid Visa: 14 vs 11.
- Support channels: only ZA Bank 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.
ZA Bank
ZA Bank is an app-only easy-access account for travelers and businesses that need to hold and move money in several currencies. It suits users who put access first and interest second, since a headline rate of 0.01% sits well below the savings account median of 3%.
Score breakdown
| Area | SCB PLANET prepaid Visa | ZA Bank |
|---|---|---|
| Cost | 9.3 | 9.3Monthly fee of HKD 0 against a site median of €0, with a minimum deposit of HKD 0. |
| Offer | 8.8 | 8.9HigherAn easy access account on a variable rate, holding 11 currencies with no term attached. |
| Trust | 9.9Higher | 8.1 |
How they place
| Ranking | SCB PLANET prepaid Visa | ZA Bank |
|---|---|---|
| Savings accounts | 108 of 1420 | 542 of 1420 |
Every fact side by side
| Fact | SCB PLANET prepaid Visa | ZA Bank |
|---|---|---|
| Audience | Not confirmed | Travelers, Business |
| Pricing model | No monthly fee | No monthly fee |
| Features | Not confirmed | Free ATM, Digital only |
| Legal entity | Siam Commercial Bank PCL | ZA Bank Limited |
| Headquarters | Thailand | Hong Kong |
| Founded | 1906Lower | 2020 |
| Support channels | Help centre | Email, Phone, Chat, Help centreCovers more |
Money transfer
| Fact | SCB PLANET prepaid Visa | ZA Bank |
|---|---|---|
| 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 | ZA Bank |
|---|---|---|
| Headline rate | Not confirmed | 0.01% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | HK$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 | Deposit and withdraw money as you wish, 24 x 7 in the ZA Bank app |
| Account kind | Easy access | Easy access |
Where each stands against the rest
| Fact | SCB PLANET prepaid Visa | ZA Bank | Median |
|---|---|---|---|
| Currencies | 14above the median | 11above the median | 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
ZA Bank
Pros
- Instant FPS transfers cost nothing, and SWIFT transfers carry no ZA Bank fee.
- A minimum deposit of HKD 0, so a balance can start small and grow.
- Support runs on email, phone and chat, so help is not limited to the app.
Cons
- The headline rate of 0.01% ranks 447 of 473, so this is a place to keep money rather than grow it.
- A variable rate on an easy access account gives no term in which to lock a better rate for longer.
- Digital-only handling under free atm and digital only means no branch or counter service, so cash and paperwork happen in the app.
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
ZA Bank
Who it suits
- Travelers and businesses, the audiences ZA Bank lists, who need easy-access money in 11 currencies.
- Holders who want a minimum deposit of HKD 0 rather than a barrier to opening.
- Users who need help beyond the app, since support runs on email, phone and chat.
Who should look elsewhere
- Readers shopping on listed rates, where Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%.
- Wallet-first readers, since PayPal Colombia at 3.3% fits balances held in a wallet rather than an easy-access bank balance.
Current offers
ZA Bank
Current offer
Bonus
High-Rate Pot savings rate: Up to 5% p.a. total savings rate (up to 4.99% reward rate plus 0.01% HKD basic interest rate)
Campaign period; reward rate valid from the day the challenge is completed to the last day of that month; eligible deposit limit varies by user tier and is shown on the High-Rate Pot page; T&C apply
Source, checked September 26, 2026
Bonus
Chill Pot promotional rate: 0.5% p.a.
Applies to HKD 1,000,000 or below balance in Chill Pot under ZA Perks Lv1 User Level; balance above that at the basic interest rate; T&C apply
Source, checked September 26, 2026
Bonus
Rate-up Tuesday coupons: Rate-up Coupons up to 9% p.a.; unlock bonus rate up to 18% p.a.
Claim in ZA Bank App homepage > Deposit > Rate-up Tuesday on or before 31 October 2026; terms and conditions apply
Source, checked September 26, 2026
Bonus
Foreign Exchange Time Deposit promotional rates: 20% p.a. 7-day CNY time deposit rate; 17% p.a. 7-day USD time deposit rate
Placed via ZA Bank App homepage > Deposit > FX Time Deposit; applicable rate, currency and period as displayed in the app; FX involves risks; T&C apply
Source, checked September 26, 2026
Country by country
| Country | SCB PLANET prepaid Visa | ZA Bank |
|---|---|---|
| Hong Kong | 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.
ZA Bank
How much does a ZA Bank account cost to run?+
ZA Bank charges a monthly fee of HKD 0 and a minimum deposit of HKD 0 to open, so holding a balance costs nothing. Its pricing sits at the site median monthly fee of €0, and the account is listed under no monthly fee.
What rate do I get on a ZA Bank deposit?+
The deposit pays a headline rate of 0.01% and the rate type is variable, so the return moves rather than being locked in. The account kind is easy access, which suits people who need to take money out whenever they like more than people shopping for a term deal.
Other options to compare
Other matchups
Related by the facts
SCB PLANET prepaid Visa
ZA Bank