diff --git a/packages/geotiff/src/fetch.ts b/packages/geotiff/src/fetch.ts
index 974a0eb..433e2d7 100644
--- a/packages/geotiff/src/fetch.ts
+++ b/packages/geotiff/src/fetch.ts
@@ -1,7 +1,8 @@
-import type { SampleFormat, TiffImage } from "@cogeotiff/core";
-import { TiffTag } from "@cogeotiff/core";
+import type { Predictor, SampleFormat, TiffImage } from "@cogeotiff/core";
+import { PlanarConfiguration, TiffTag } from "@cogeotiff/core";
+import type { Affine } from "@developmentseed/affine";
 import { compose, translation } from "@developmentseed/affine";
-import type { RasterArray } from "./array.js";
+import type { RasterArray, RasterTypedArray } from "./array.js";
 import type { ProjJson } from "./crs.js";
 import { decode } from "./decode.js";
 import type { CachedTags } from "./ifd.js";
@@ -87,22 +88,117 @@ export async function fetchTile(
     ? pool.decode(bytes, compression, decoderMetadata)
     : decode(bytes, compression, decoderMetadata));
 
-  const array: RasterArray = {
-    ...decodedPixels,
+  let array: RasterArray;
+  if (
+    planarConfiguration === PlanarConfiguration.Separate &&
+    samplesPerPixel > 1
+  ) {
+    array = await fetchBandSeparateTile(self, x, y, {
+      sampleFormat,
+      bitsPerSample,
+      samplesPerPixel,
+      predictor,
+      planarConfiguration,
+      tileTransform,
+      signal: options.signal,
+    });
+  } else {
+    const tile = await self.image.getTile(x, y, options);
+    if (tile === null) {
+      throw new Error("Tile not found");
+    }
+
+    const { bytes, compression } = tile;
+    const decodedPixels = await decode(bytes, compression, {
+      sampleFormat,
+      bitsPerSample,
+      samplesPerPixel,
+      width: self.tileWidth,
+      height: self.tileHeight,
+      predictor,
+      planarConfiguration,
+    });
+
+    array = {
+      ...decodedPixels,
+      count: samplesPerPixel,
+      height: self.tileHeight,
+      width: self.tileWidth,
+      mask: null,
+      transform: tileTransform,
+      crs: self.crs,
+      nodata: self.nodata,
+    };
+  }
+
+  return {
+    x,
+    y,
+    array: boundless === false ? clipToImageBounds(self, x, y, array) : array,
+  };
+}
+
+async function fetchBandSeparateTile(
+  self: HasTiffReference,
+  x: number,
+  y: number,
+  opts: {
+    sampleFormat: SampleFormat;
+    bitsPerSample: number;
+    samplesPerPixel: number;
+    predictor: Predictor;
+    planarConfiguration: PlanarConfiguration;
+    tileTransform: Affine;
+    signal?: AbortSignal;
+  },
+): Promise<RasterArray> {
+  const { samplesPerPixel, planarConfiguration } = opts;
+  const nxTiles = self.image.tileCount.x;
+  const nyTiles = self.image.tileCount.y;
+  const tilesPerBand = nxTiles * nyTiles;
+  const baseTileIndex = y * nxTiles + x;
+
+  const bandPromises: Promise<RasterTypedArray>[] = [];
+  for (let b = 0; b < samplesPerPixel; b++) {
+    const tileIndex = b * tilesPerBand + baseTileIndex;
+    bandPromises.push(
+      self.image.getTileSize(tileIndex).then(async ({ offset, imageSize }) => {
+        const result = await self.image.getBytes(offset, imageSize, {
+          signal: opts.signal,
+        });
+        if (result === null) {
+          throw new Error(`Band ${b} tile not found at index ${tileIndex}`);
+        }
+        const decoded = await decode(result.bytes, result.compression, {
+          sampleFormat: opts.sampleFormat,
+          bitsPerSample: opts.bitsPerSample,
+          samplesPerPixel: 1,
+          width: self.tileWidth,
+          height: self.tileHeight,
+          predictor: opts.predictor,
+          planarConfiguration,
+        });
+        if (decoded.layout === "band-separate") {
+          return decoded.bands[0]!;
+        }
+        return decoded.data;
+      }),
+    );
+  }
+
+  const bands = await Promise.all(bandPromises);
+
+  return {
+    layout: "band-separate",
+    bands,
     count: samplesPerPixel,
     height: self.tileHeight,
     width: self.tileWidth,
     mask: null,
-    transform: tileTransform,
+    transform: opts.tileTransform,
     crs: self.crs,
     nodata: self.nodata,
   };
-
-  return {
-    x,
-    y,
-    array: boundless === false ? clipToImageBounds(self, x, y, array) : array,
-  };
 }
 
 /**
diff --git a/packages/geotiff/tests/fetch.test.ts b/packages/geotiff/tests/fetch.test.ts
index 5be3387..b1079cf 100644
--- a/packages/geotiff/tests/fetch.test.ts
+++ b/packages/geotiff/tests/fetch.test.ts
@@ -8,6 +8,39 @@
 import { describe, expect, it } from "vitest";
 import { loadGeoTIFF } from "./helpers.js";
 
+describe("fetchTile band-separate", () => {
+  it("returns band-separate layout for a multi-band planar TIFF", async () => {
+    const tiff = await loadGeoTIFF("int8_3band_zstd_block64", "rasterio");
+    const tile = await tiff.fetchTile(0, 0);
+    expect(tile.array.layout).toBe("band-separate");
+    expect(tile.array.count).toBe(3);
+    if (tile.array.layout === "band-separate") {
+      expect(tile.array.bands).toHaveLength(3);
+      for (const band of tile.array.bands) {
+        expect(band.length).toBe(tiff.tileWidth * tiff.tileHeight);
+      }
+    }
+  });
+
+  it("returns correct tile dimensions", async () => {
+    const tiff = await loadGeoTIFF("int8_3band_zstd_block64", "rasterio");
+    const tile = await tiff.fetchTile(0, 0);
+    expect(tile.array.width).toBe(tiff.tileWidth);
+    expect(tile.array.height).toBe(tiff.tileHeight);
+  });
+
+  it("returns different data per band", async () => {
+    const tiff = await loadGeoTIFF("int8_3band_zstd_block64", "rasterio");
+    const tile = await tiff.fetchTile(0, 0);
+    expect(tile.array.layout).toBe("band-separate");
+    if (tile.array.layout === "band-separate") {
+      const [b0, b1, b2] = tile.array.bands;
+      expect(b0).not.toEqual(b1);
+      expect(b0).not.toEqual(b2);
+    }
+  });
+});
+
 describe("fetchTile boundless option", () => {
   describe("boundless=true (default)", () => {
     it("returns the full tile dimensions for an interior tile", async () => {