Wonder if anyone has had something similar recently? I have been banking here for years, most of which has been with the SCB Bank, Despite all the years banking with them, I never bothered with a banking app.

A few weeks back I went to my branch and they helped me set up the SCB Easy App, which seems to work pretty well IK for now.

A couple of days ago at the weekend I initially got an E mail from my bank (first in 20 years or more) which looked basically like a newsletter, with ads for insurance etc.

About an hour after opening the E mail, I get an SMS Message from my bank that says "Unsuccessful international online payment transaction on SCB debit card xxxx (correct debit card number) due to temporary block at SCB Easy. You can unblock at SCB Easy app or call xxxx (Which is the real phone number for SCB in Bangkok)

Strange thing is - I check my SCB app, no where in the app is there any reference to my debit card, it is not listed, so cannot be selected or unblocked. The debit card issued by SCB is basically worthless, the only use I have found for it is cash withdrawals at an ATM, I have never used it for anything else. These debit cards are barely usable even in Thailand, I cannot use it to buy <deleted> from Lazada or Shopee, it cannot pay bills at Makro, it is basically an ATM card.

How can this be used or attempted to be used for international payment? It can't!

Obviously it is Song Kran, banks closed, telephone queue is on hold until hell freezes over, any ideas? I cannot see it being a scam as the card cannot be used for anything really, it sort of looks like a badly translated message rather than a scam, anyone had anything similar? I can still use my bank app to pay bills, nothing is frozen.

When Song Kran is over I will nip to the bank, but in between I don't want to mess with it in case my account gets frozen. Any ideas out there, anyone had similar? I know there is a lot of crap at the minute with Thai banks and these anti money laundering checks they keep putting in place to mess us up as they basically treat us like criminals (The Thai banks, not the ordinary Thais)

Cheers for any info!

If you did not try to do that transaction yourself, it sounds like your debit card has been hacked/skimmed or it is a scam. Closely monitor your account to make sure no withdrawals/transfers are made and contact the Bank ASAP.

7 minutes ago, GarryP said:

If you did not try to do that transaction yourself, it sounds like your debit card has been hacked/skimmed or it is a scam. Closely monitor your account to make sure no withdrawals/transfers are made and contact the Bank ASAP.

Thanks, I am going to check with the bank later this week. Weird thing is, the card is not even listed on my SCB App, (you are supposed to be able to go in and reset the block) but my card is not listed, there is a text box that is asking me to ADD a Card!

As I said earlier, the card is useless, it cannot be used for anything other than ATM withdrawals. It has never been in any other machine or shop. A bit worrying considering I have never had an issue in over 20 years and the minute I open one of their damn apps, the account gets compromised, ridiculous. Thanks for your reply.

MOVED to Banking section

1 hour ago, Vlada Floric said:

no where in the app is there any reference to my debit card

If you go into the banking services page I have a about an 8 x 3 box grid of which the first is Account Summary and 4 down on the right is a box with a picture of a debit card with the words - Debit & Planet SCB card. Do you not have that or similar?

2 hours ago, topt said:

If you go into the banking services page I have a about an 8 x 3 box grid of which the first is Account Summary and 4 down on the right is a box with a picture of a debit card with the words - Debit & Planet SCB card. Do you not have that or similar?

I don't seem to have that! I have a 2 x 3 grid, pay family, mobile, banking services, utilities, quick balance, personalize your app.

If I open up the Account Summary page, I have my balance in Baht, and My INSURANCES, and the option to add an account, nothing else there!

Then, under that is a 1 x 3 banner all in Thai with a photo of a phone. Underneath that is the "EASY STORE" I don not have any other options on the front page.

Thanks for the reply by the way!

1 minute ago, Vlada Floric said:

I don't seem to have that! I have a 2 x 3 grid, pay family, mobile, banking services, utilities, quick balance, personalize your app.

Then, under that is a 1 x 3 banner all in Thai with a photo of a phone. Underneath that is the "EASY STORE" I don not have any other options on the front page.

Thanks for the reply by the way!

I have the same as you.

2 minutes ago, Bredbury Blue said:

I have the same as you.

Good! I thought I was going more mental than usual.

You might want to go to the bank and check....

I've used my cards for purchases & ATM both here and international travel....

2 minutes ago, pgrahmm said:

You might want to go to the bank and check....

I've used my cards for purchases & ATM both here and international travel....

Could you check your ATM card and see if it has any logo's or info? My Card just has LETS' SCB. I have a prompt card logo, it has two discs - like Mastercard (but nothing saying visa or mastercard) on the front and the CHIP, that's it, on the back it says SCB DEBIT it has a hologram that looks a bit rough, the card number and the three digits. after that, another print of the card number and an empty box that I am supposed to sign, nothing else. I was trying to upload a photo of the card but the upload from mobile does not work, and WTF is this "STOCK PHOTO " Rubbish? Hope;ess!

16 minutes ago, Vlada Floric said:

I don't seem to have that! I have a 2 x 3 grid, pay family, mobile, banking services, utilities, quick balance, personalize your app.

If I open up the Account Summary page, I have my balance in Baht, and My INSURANCES, and the option to add an account, nothing else there!

Then, under that is a 1 x 3 banner all in Thai with a photo of a phone. Underneath that is the "EASY STORE" I don not have any other options on the front page.

Thanks for the reply by the way!

Same as me. Debit card same.

However click on Banking Services where you should have the bigger grid and it should be in there?

4 minutes ago, topt said:

Same as me. Debit card same.

However click on Banking Services where you should have the bigger grid and it should be in there?

OK, I found it eventually, and all I have is REQUEST DEBIT CARD and ACTIVATE DEBIT CARD. (Nothing Else)_

Thanks for your help by the way, appreciated!

2 minutes ago, Vlada Floric said:

OK, I found it eventually, and all I have is REQUEST DEBIT CARD and ACTIVATE DEBIT CARD. (Nothing Else)_

Thanks for your help by the way, appreciated!

Same as me. So check if activated and or depending on what you want to do deactivate it if you have any concerns prior to going to the branch.

6 minutes ago, topt said:

Same as me. So check if activated and or depending on what you want to do deactivate it if you have any concerns prior to going to the branch.

Now we are cooking on gas! I tried to activate/deactivate my card , tells me I don't have a debit card! So how come it was involved in an attempted transaction? The card number from the original SMS is correct for my card, yet SCB Easy tells me I don't have a debit card or ANY other card for that matter. - Trip to the bank I guess?

1 minute ago, Vlada Floric said:

Now we are cooking on gas! I tried to activate/deactivate my card , tells me I don't have a debit card! So how come it was involved in an attempted transaction? The card number from the original SMS is correct for my card, yet SCB Easy tells me I don't have a debit card or ANY other card for that matter. - Trip to the bank I guess?

I can't remember if I had to do this or not. When you go to the Account Summary screen you mentioned in between my deposits and my insurances I have my debit and ATM cards. Underneath My Insurance is a box to + Add account. Maybe try and add the card? Otherwise I am out of ideas 🤔

2 minutes ago, topt said:

I can't remember if I had to do this or not. When you go to the Account Summary screen you mentioned in between my deposits and my insurances I have my debit and ATM cards. Underneath My Insurance is a box to + Add account. Maybe try and add the card? Otherwise I am out of ideas 🤔

Tried that thanks, I went into the DEBIT CARD section, I now have the option to REQUEST or ACTIVATE, if I try to activate, it just tells me I don't have a debit card. If I go in to REQUEST A CARD I get a load of garbage about reading a PRODUCT CATALOG, pretty much useless!

Thanks for your help though, at least I know it is not getting hacked! (just yet)

This is the card -

It does look like a crumb of bread on the card, but it could be a security crumb?

Go to banking services & then account summary...Your cards should be available there.....

40 minutes ago, Vlada Floric said:

Could you check your ATM card and see if it has any logo's or info? My Card just has LETS' SCB. I have a prompt card logo, it has two discs - like Mastercard (but nothing saying visa or mastercard) on the front and the CHIP, that's it, on the back it says SCB DEBIT it has a hologram that looks a bit rough, the card number and the three digits. after that, another print of the card number and an empty box that I am supposed to sign, nothing else. I was trying to upload a photo of the card but the upload from mobile does not work, and WTF is this "STOCK PHOTO " Rubbish? Hope;ess!

9 minutes ago, Vlada Floric said:

Tried that thanks, I went into the DEBIT CARD section, I now have the option to REQUEST or ACTIVATE, if I try to activate, it just tells me I don't have a debit card. If I go in to REQUEST A CARD I get a load of garbage about reading a PRODUCT CATALOG, pretty much useless!

Thanks for your help though, at least I know it is not getting hacked! (just yet)

This is the card -

It does look like a crumb of bread on the card, but it could be a security crumb?

As previously mentioned same as my card - apart from the crumb....😄

2 minutes ago, topt said:

As previously mentioned same as my card - apart from the crumb....😄

I am starting to wonder if it is even going to be safe activating their cards, their banking app is a bit of a dog's breakfast. Thinking about it, I can use my HSBC credit and debit card for card payments, I can pay all my bills with the SCB Easy app, ONLY use the card for ATM withdrawals - If I continue like this, then SCB can never accuse me of giving details, pin codes etc. to my account, should it ever get used fraudulently, maybe it is safer this way?

5 minutes ago, topt said:

As previously mentioned same as my card - apart from the crumb....😄

12 hours ago, GarryP said:

If you did not try to do that transaction yourself, it sounds like your debit card has been hacked/skimmed or it is a scam.

Possibly through the email he referred to, which may not have actually originated from SCB?

12 hours ago, Vlada Floric said:

A couple of days ago at the weekend I initially got an E mail from my bank (first in 20 years or more) which looked basically like a newsletter, with ads for insurance etc.

I had the exact same SMS message from SCB on March 30 went straight to my branch in a bit of a panic only to be told it was just a standard notification and nothing to worry about.As this made zero sense I pressed the teller about how such a message would scare people unnecessarily if nobody had tried to use my card but she just got mildly annoyed at my questions so I had to let it go.I now keep a tiny balance in my account and have had no further scares.Bizaare all round.

On 4/14/2026 at 9:16 AM, Vlada Floric said:

Thanks, I am going to check with the bank later this week. Weird thing is, the card is not even listed on my SCB App, (you are supposed to be able to go in and reset the block) but my card is not listed, there is a text box that is asking me to ADD a Card!

As I said earlier, the card is useless, it cannot be used for anything other than ATM withdrawals. It has never been in any other machine or shop. A bit worrying considering I have never had an issue in over 20 years and the minute I open one of their damn apps, the account gets compromised, ridiculous. Thanks for your reply.

Not completely useless. I used it to pay for my UK passport renewal in pounds sterling.

I think there are two things going on here;

First, your card is probably locked by default and to use it for online purchases you would have to unlock it through the app, which you have clearly never done.

Your card information was probably stolen a long time ago, and you didn’t start receiving notifications about it until you set up the app. So that’s what changed; the notifications. I expect you will receive more such messages.

The solution is to get a new debit card.

33 minutes ago, Everyman said:

I think there are two things going on here;

First, your card is probably locked by default and to use it for online purchases you would have to unlock it through the app, which you have clearly never done.

Your card information was probably stolen a long time ago, and you didn’t start receiving notifications about it until you set up the app. So that’s what changed; the notifications. I expect you will receive more such messages.

The solution is to get a new debit card.

The card CANNOT be unlocked as it does not even appear on the app! The app already said I have NO DEBIT CARD! The card is a new card. You cannot unlock something that isn't there!

How would the card info be compromised as a debit car when for all purposes, it does not exist? probably read the thread and you will see that the card does not exist as a debit card as far as SCB are concerned.

1 hour ago, chang50 said:

I had the exact same SMS message from SCB on March 30 went straight to my branch in a bit of a panic only to be told it was just a standard notification and nothing to worry about.As this made zero sense I pressed the teller about how such a message would scare people unnecessarily if nobody had tried to use my card but she just got mildly annoyed at my questions so I had to let it go.I now keep a tiny balance in my account and have had no further scares.Bizaare all round.

Thank you! This is starting to make sense now, I am just going to try it in an ATM today and if it works, I will leave it at that, obviously mention it to the bank, but as long as I can get cash then fine - I just do not want to find my account emptied. I will post an update once I have been to the bank.

20 minutes ago, Vlada Floric said:

The card CANNOT be unlocked as it does not even appear on the app! The app already said I have NO DEBIT CARD! The card is a new card. You cannot unlock something that isn't there!

How would the card info be compromised as a debit car when for all purposes, it does not exist? probably read the thread and you will see that the card does not exist as a debit card as far as SCB are concerned.

Thank you! This is starting to make sense now, I am just going to try it in an ATM today and if it works, I will leave it at that, obviously mention it to the bank, but as long as I can get cash then fine - I just do not want to find my account emptied. I will post an update once I have been to the bank.

I can confirm my card works fine at an atm.Although I see this won't apply to you it's good practice to keep cards disabled for online purchases until needed then disabled again immediately after use.

2 hours ago, chang50 said:

I can confirm my card works fine at an atm.Although I see this won't apply to you it's good practice to keep cards disabled for online purchases until needed then disabled again immediately after use.

Yes I am doing that. Unfortunately it wouldn't work last month after re-enabling when I tried to use online with Home Pro although it has worked in the past.

Anybody else used successfully online with Home Pro?

On 4/14/2026 at 8:54 AM, Vlada Floric said:

The debit card issued by SCB is basically worthless, the only use I have found for it is cash withdrawals at an ATM, I have never used it for anything else. These debit cards are barely usable even in Thailand, I cannot use it to buy <deleted> from Lazada or Shopee, it cannot pay bills at Makro, it is basically an ATM card.

I feel like you fell out of a time warp from 2010.

I have routinely used Thai bank cards for online purchases, including international purchases, I have used the cards abroad without a single time having any problems. I paid via Touch with Google Wallet using a Thai card in 7/11 abroad.

What else could I ask for from the banks? I only wish the PromptPay had a more extensive international network and more Thai cards were allowed to be placed onto Google Wallet (TrueMoney's virtual Mastercard is useful for this). But recall that back in 2010 the only Visa/MasterCard option for most foreigners living in Thailand was the k-Web shopping card, and then I feel pretty content.

It is true that back in 2010 the cards were simple ATM cards but there have been dramatic changes with almost all cards having Visa or Mastercard or UnionPay etc connected with them.

I can also not imagine living without the bank apps. They are incredibly useful. I can freeze cards with them, I can control how much money for international transactions or otherwise for domestic or I can limit the amount that can be withdrawn at ATMs and on and on and on. I can cancel cards and I can request new cards which are then posted to me. I can request bank statements which I can instantly download as PDFs. I hardly ever need to go to the bank.