Revolut Singapore vs YouTrip: Full Comparison 2026

If you are comparing Revolut vs YouTrip in Singapore, the right choice for you may depend on whether you want a broader multi-currency account with more tools, or a travel-focused e-wallet with fewer moving parts.

This guide will help you decide, looking at feature availability, fees and where exchange timing, transfer needs, and how often you withdraw cash overseas can make a difference. We’ll also touch on alternatives like Wise which may be a better fit depending on your priorities.

Revolut vs YouTrip in Singapore: the important bits

*Last updated: 19 August 2026. Fees and rates are for reference only, verify them with each provider before you sign up or transact.

As you can see - both Revolut vs YouTrip have their own unique features and selling points. You’ll need to examine the difference between YouTrip and Revolut for the features that matter to you, to pick one.

It’s worth also comparing other providers on the Singapore market, such as Wise. Wise uses the mid-market exchange rate and low fees from 0.33% when you send or spend in a foreign currency.

In broad terms, Revolut gives you more product depth, while YouTrip keeps things simple for travel spending. Both are regulated in Singapore, but neither is a bank.

A quick summary:

• Choose Revolut for range: more account tools, more transfer options, and paid plans with extras.
• Choose YouTrip for simplicity: no monthly fee, no weekend FX markup, and a cleaner travel-wallet setup.
• Check full costs: ATM fees, top-up fees, fair usage limits, and transfer pricing can matter more than the headline rate.
• Compare one more option: Wise is also commonly compared here because it uses the mid-market exchange rate and charges a separate conversion fee.

The basics: what are Revolut, YouTrip, Wise and a multi-currency account?

A multi-currency account or e-wallet lets you hold money in more than one currency, exchange between currencies, and often spend with a linked card. The exact features vary, so some are closer to travel wallets while others are broader money management apps.

What is a multi-currency account?

A digital account or wallet that can hold, convert, and spend multiple currencies from one place.

What is Revolut?

Revolut is a multi-currency account and spending app with card access, transfers, budgeting tools, and paid plan upgrades.

What is YouTrip?

YouTrip is a travel-focused multi-currency e-wallet with in-app exchange, a Mastercard, and overseas spending support.

What is Wise?

Wise is a multi-currency account that focuses on international spending, conversion, and transfers.

Revolut Singapore vs YouTrip: side-by-side feature comparison

The key difference here is hold versus spend. YouTrip lets you lock 12 currencies in the wallet, but spend in many more through card conversion. Revolut also separates what you can hold from what you can spend, though its Singapore marketing highlights a wider holdable currency range.

In practice:

• Revolu is broader if you want one app for spending, transfers, and money tools.
• YouTrip is simpler if your main use case is travel spending.
• Older comparison pages can understate YouTrip's newer transfer features, so check the latest route list before deciding.

Revolut vs YouTrip: How do they work?

Revolut offers account tiers with or without monthly fees, and all users can send money to other Revout accounts or bank accounts in a range of currencies.

Once you have an account you can make an international payment with Revolut by taking the following steps:

1. Log into your account or open the Revolut app

2. Tap Payments, then Transfers

3. Tap Send, New, and Add a bank recipient

4. Enter the bank transfer details for your recipient

5. Tap on the beneficiary, choose the currency you want to send and add the amount

6. Add a payment reference

7. Tap Continue to review your transfer details and estimated arrival time

With YouTrip you’ll be able to send money to other YouTrip customers, in any of the 10 supported currencies. You can do this in the YouTrip app by taking the following steps:

1. Log into your account no the YouTrip app

2. Tap the Send Money option on the home screen

3. Allow the app to access your phone contacts to select a recipient, or enter the phone number of the person you’re paying

4. Select the currency you want to sed and add the amount

5. Slide to send once you’ve checked all the details

Revolut vs YouTrip: which is faster?

Sending money from one Revolut account to another - or one YouTrip account to another is instant.

How long a payment sent directly to a bank account will take with Revolut depends on where you’re sending money to and the payment method selected. While some local transfers can be almost instant, some payment methods and destinations can take up to 5 business days

Revolut vs YouTrip Fees: Safety

On safety, there’s no difference between YouTrip and Revolut. Both Revolut and YouTrip are authorised by the Monetary Authority of Singapore (MAS). This makes them as safe as a bank for the services they offer.

Both providers also use a range of automatic and manual tools to make sure customer money is safe, such as verification processes, secure log in procedures, instant transaction notifications and in-app card management.

Revolut vs YouTrip Fees: Ease of use

• Creating an account: Create your account online or in app with Revolut, and in-app only with YouTrip

• Making a transfer: Both providers allow customers to add funds to their account with a credit or debit card. Revolut also allows payments by bank transfer, and YouTrip accepts PayNow

• Ways to send money: Both services let you send money to other users who have the same app. You can also send payments to your recipient’s bank account directly with Revolut

• Minimum & maximum amounts: Sending limits can vary by destination country, and based on your account type

Revolut vs YouTrip Fees: Supported currencies

Revolut account holders can hold and exchange 30 currencies, and send payments to countries around the world.

YouTrip supports 10 currencies for holding and exchange -

• Singapore dollar (SGD)

• US dollar (USD)

• Euro (EUR)

• British pound (GBP)

• Japanese yen (JPY)

• Hong Kong dollar (HKD)

• Australian dollar (AUD)

• New Zealand dollar (NZD)

• Swiss franc (CHF)

• Swedish krona (SEK)

You can send money to other YouTrip account holders in any of these currencies.

Revolut vs YouTrip: Alternative Providers

Depending on which services and transaction types you need the most, you might find that an alternative provider suits you better than either Revolut or YouTrip. Here are a few popular options to consider:

Wise

Wise customers can open accounts online or in app to hold and exchange 40+ currencies. Send foreign currency payments to 160+ countries and regions, convert your SGD balance to any supported currency, pay for things and make ATM withdrawals abroad with your Wise debit card, and receive money internationally from others.

Wise  uses the mid-market exchange rate and low fees from 0.19%. There are no fees to maintain your Wise account and no minimum balance.

OFX

OFX customers can send 50+ currencies to 170+ countries for deposit to a bank account overseas. There’s no OFX transfer fee, and no fee to set up your account in the first place. Instead, OFX adds a small mark up to the exchange rate used to convert your SGD to the currency you need.

OFX does not offer personal customers accounts to hold a foreign currency balance, and there’s no OFX debit card option.

Remitly

Remitly lets you send money to 170+ countries with delivery options including bank or mobile money account deposit, or cash collection. Cash collection and mobile wallet payments are often fast or instant. There are variable fees, depending on where you’re sending money to, and exchange rates include a markup.

The verdict: which should you choose in Singapore?

Revolut and YouTrip suit different needs, even though they overlap on overseas spending. If you want more account depth, clearer public transfer pricing, and extra tools, Revolut is the more flexible option. If you want a leaner travel wallet with no monthly fee and no weekend FX markup, YouTrip may feel easier to live with.

Wise is also worth checking if transparent FX pricing and international transfers matter more to you than travel-wallet extras.

Choose Revolut if you…

• want broader account features
• expect to send bank transfers more often
• do not mind checking plan limits and weekend pricing

Choose YouTrip if you…

• want a simpler travel e-wallet
• care about avoiding weekend FX markups
• mostly spend overseas rather than manage lots of account tools