What are UP coins?
UP coins are coins earned from activities to help you save on interest (0% interest).
UP coins can be used for a maximum of 50% of a borrowed amount.
Conditions
- With an UP coin, you will receive 0% interest for 1 baht borrowed.
- UP coin redemption is possible for between 100 – 20,000 UP coins and each redemption must not exceed 50% of that borrowed amount.
- You can collect up to 1,000 UP coins per month.
- Conditions are as specified by SCB.
interest rates
Interest rate of 25% p.a.
Special interest rate of 0% p.a. when using UP coins for interest discounts
Conditions on special interest rates
- With an UP coin, you will receive 0% interest per month for 1 baht borrowed.
- You can use UP coins for a maximum of up to 50% of a borrowed amount. Between 100 – 20,000 UP coins can be used for each UP coin redemption.
- You can collect up to 1,000 UP coins per month.
- Default rate is 25% p.a. maximum (the highest default rate as per the loan contract + 3% on top) for the principal amount of any default instalment.
- For more information, please call the SCB Call Center at 02-7777777.
How to collect UP coins
Make payments
on time via the app
A reward for your financial discipline.
Make payments on time and get UP coins
Upload documents
Proof of income, payroll slip, salary certificate. A copy of your house/car registration
Answer daily quizzes
Answer fun quizzes about daily life to collect UP coins.
Pay anything with
the SCB EASY app
Make QR code payments or bill payments via the SCB EASY app.
How many UP coins
can you earn from each activity?
Example of savings on interest with UP coins
How to save on interest with UP coins
1) Tap “Draw down.”
2) Enter an amount you wish to borrow. Select “Use UP coins.” The borrowed amount using UP coins will be shown. Tap “Next.”
3) Select a payment due date. Tap “OK.”
4) Review the information. Tap “Confirm.”
5) You will receive a notification on the SCB EASY app.
6) The draw down is successful.
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