Siam Commercial Bank

Financial Services95% confidence

Siam Commercial Bank (SCB) is one of Thailand’s largest universal banks, offering retail, corporate, and investment banking services. It operates extensive branch and ATM networks across Thailand and provides cards, loans, deposits, and digital banking services.

Bangkok, Thailand
scb.co.th

About Siam Commercial Bank

Siam Commercial Bank (officially The Siam Commercial Bank Public Company Limited) is one of Thailand’s oldest and largest commercial banks, headquartered at SCB Park Plaza in the Chatuchak district of Bangkok. It provides a full range of banking services including savings and current accounts, credit and debit cards, personal and business loans, mortgages, foreign exchange, and digital banking through its SCB EASY app and online platforms. SCB also serves corporate and institutional clients with cash management, trade finance, and investment banking services, and operates a large ATM and merchant acquiring network across Thailand.([en.wikipedia.org](https://en.wikipedia.org/wiki/Siam_Commercial_Bank?utm_source=openai))

A card statement line such as “SCB BANGKOK 764” typically refers to a transaction processed through Siam Commercial Bank in Bangkok—often an ATM cash withdrawal, a point‑of‑sale (POS) purchase at a merchant whose transactions are acquired by SCB, or a bank fee related to such transactions. The numeric suffix (e.g., 764) is usually an internal terminal ID, branch/ATM identifier, or merchant location code rather than a separate company name. This kind of descriptor is common when using a foreign Visa/Mastercard card at SCB ATMs, paying a Thai merchant whose payments are processed by SCB, or incurring international usage or currency conversion fees tied to an SCB‑processed transaction.

If you have questions about this charge, first check the time, date, and amount against your travel history in Thailand, ATM withdrawal records, and any receipts from shops or hotels around Bangkok. You can often match the amount and date to a specific withdrawal or purchase. For further clarification, contact the bank that issued your card (the institution on your card, not SCB) and ask them to provide additional transaction details or an authorization log; they can, in turn, liaise with Siam Commercial Bank if needed. If you hold an SCB account or card, you can also review your transactions via the SCB EASY app or online banking, or contact SCB customer service through their official website or call center for more information.([scb.co.th](https://www.scb.co.th/en/personal-banking/contact-scb?utm_source=openai))

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Siam Commercial Bank.

  1. SCB BANGKOK 764

Frequently Asked Questions

What does a “SCB BANGKOK 764” charge on my card statement usually mean?

A “SCB BANGKOK 764” descriptor usually indicates a transaction that was processed by Siam Commercial Bank in Bangkok, Thailand. This may be an ATM cash withdrawal, a point‑of‑sale purchase at a Thai merchant whose card payments are acquired by SCB, or a related fee. The number (e.g., 764) is typically an internal terminal or merchant identifier, not a separate company name.

Could this SCB charge be an ATM withdrawal I made while in Thailand?

Yes. If you used your debit or credit card at an ATM in Thailand bearing the SCB logo, the resulting withdrawal and any associated ATM or international access fees may appear on your statement with a descriptor like “SCB BANGKOK” followed by a numeric code. Match the amount and date to your known withdrawals to confirm.

Why is the amount of the SCB BANGKOK transaction slightly higher than what I withdrew or spent?

The total amount may be higher because it can include local ATM usage fees, international transaction fees, or currency conversion markups applied by your home bank or card network. SCB may display and charge the base amount in Thai baht, while your issuing bank converts it to your home currency and adds its own fees on top.

How can I verify which merchant or ATM is behind the SCB BANGKOK 764 entry?

Start by checking your receipts and your travel history for that date and time. Then contact your card‑issuing bank and ask for the full transaction details, including merchant name, MCC (merchant category code), and ATM or terminal ID. With that information, your bank can confirm whether it was an SCB ATM, a particular store, or a hotel processed through SCB’s acquiring network.

How do I dispute an unfamiliar SCB BANGKOK transaction on my card?

If you do not recognize the charge, immediately contact the bank or issuer listed on your card, not SCB directly. Ask to open a dispute or fraud claim for the specific transaction. Your issuer will investigate and, if necessary, coordinate with Siam Commercial Bank and the merchant or ATM operator to resolve the issue according to card‑network rules.

I am an SCB customer—where can I see more details about my own SCB card or account charges?

If you hold an SCB account or card, log in to the SCB EASY mobile app or internet banking to review transaction details, including date, time, channel (ATM, POS, online), and in many cases the merchant name. For further questions, you can contact SCB’s call center or use the contact options listed on scb.co.th to speak with customer service.([scb.co.th](https://www.scb.co.th/en/personal-banking/contact-scb?utm_source=openai))

Can SCB place temporary authorization holds that show up as separate charges?

Yes. When a card is used at certain merchants—such as hotels, fuel stations, or car rentals—SCB or the acquiring system may place a temporary authorization hold to verify funds. These holds can appear as pending “SCB BANGKOK” entries and usually drop off or adjust to the final transaction amount once the merchant completes settlement.

Does Siam Commercial Bank offer customer support in English if I need details about a transaction?

Siam Commercial Bank’s main call center and many Bangkok branches provide service in English, particularly for common issues like card transactions and ATM withdrawals. However, if the card in question was issued by a non‑Thai bank, you should contact your own bank first; they will request additional information from SCB if needed as part of the investigation process.([scb.co.th](https://www.scb.co.th/en/personal-banking/contact-scb?utm_source=openai))

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