Comparing Multi-Currency Cards for Singapore in 2026: Revolut vs YouTrip vs Wise
Spending and getting cash from an ATM when you travel can mean being stung by a poor exchange rate and paying high foreign transaction fees. That pushes up your costs and can mean overseas spending is more expensive than it needs to be. As a smart alternative, Singaporeans are turning to specialist multi-currency cards which can offer better rates and lower fees.
This guide offers an unbiased comparison of the 3 popular cards with savvy Singaporeans - Revolut, YouTrip, and Wise. We’ll look at features, fees and services side by side, covering all the latest card offerings, as well as the new MAS regulations for 2026.
What is a Multi-Currency Card?
A multi-currency card is a prepaid debit card linked to a multi-currency wallet, often from a specialist digital provider.
Multi-currency wallets let you top up in SGD or other supported currencies, convert and hold a balance in a selection of currencies side by side, for convenient international spending. These are debit cards rather than credit cards, so you do need to have a balance in the account prior to spending - but there’s no credit check needed or interest to pay.
Revolut vs YouTrip vs Wise: Comparison Table
Singapore citizens and residents have a good choice of multi-currency cards, including Revolut vs YouTrip vs Wise. We’ll dive into the details about each, but first we’ve got a side by side comparison on key features:
Feature | Revolut | YouTrip | Wise |
|---|---|---|---|
Currencies supported | 30+ | 12 | 40+ |
Monthly fees | 0 SGD - 21.99 SGD/month | No fee | No fee |
Exchange rates | Revolut rate to plan limit Fee of up to 1% beyond plan limit Fee of up to 1% at weekends | Wholesale rates | Mid-market rate |
Card type | Visa/Mastercard debit | Mastercard debit | Visa/Mastercard debit |
ATM fees and limits | No fee to plan limit, then 2% Withdraw up to 3,000 GBP equivalent/day | No fee to 400 SGD/month, then 2% Withdraw up to 5,000 SGD/day (2,500 SGD in Malaysia) | No fee to 100 SGD/month, then 1.75%* ATM limits available in app |
Top-up methods | PayNow, bank account or debit card (surcharges may apply on some card types) | PayNow, debit or credit card | PayNow, bank account or debit card |
Transaction limits | Transaction limits can be adjusted in app - additional limits may apply | Hold up to 20,000 SGD Top up maximum 100,000 SGD/year | Send/spend 100,000 SGD/year Transaction limits can be adjusted in app |
Customer support | In app, online and by phone, in multiple languages | In app, online and by phone | In app, online and by phone, in multiple languages |
Customer rating (Trustpilot) | 4.7 - Excellent | Not available | 4.3 - Excellent |
Security features | Secure log in, in app chat if needed | Instant transaction notifications, 24/7 account monitoring | 2-Factor Authorisation, in app card freezing |
Other perks | Accounts for children, budgeting features, receive incoming payments | Partner discounts and offers | Receive payments in [NumberCurrencyLocalAccountDetail] currencies with local account information |
*Details correct as of 2nd April 2026. Fees and features may change. Please verify current information with each provider before deciding. Wise will not charge you for these withdrawals, but some additional charges may occur from independent ATM networks; fees from 1st May 2026
💡 Key Takeaways:
Wise: Good overall for transparency and currency coverage - spend all over the world with no surprises
YouTrip: Good for simplicity and Malaysia trips - easy to use card, particularly for local travel from Singapore
Revolut: Good for budgeting tools and virtual cards - shop securely online, plan your budget and get cards for your kids
Revolut Card Review
⭐ Good for budgeting tools and virtual cards
Revolut Key Features
- Hold and exchange 30+ currencies, receive incoming payments and send to 160+ countries
- Select from multiple plan tiers - Standard has no monthly fee, Premium costs 10.99 SGD/month, and Metal 21.99 SGD/month
- All plans offer a physical debit card, and up to 20 virtual cards for online security
- Built-in budgeting and spending analytics to help you track and manage your money
Revolut Exchange Rates & Fees
- Revolut uses its own exchange rate; an exchange fee may apply. Standard plan has a S$5,000/month exchange limit; a 1% fair usage fee applies above this
- Standard plan has fees of 1% for exchange over plan limit, and 1% weekend markup (Fri 5 am - Mon 6am SGT during Daylight Saving Time)
- No Revolut ATM fees on Standard plan for 5 withdrawals, or up to 350 SGD/month, then 2%
Revolut Pros and Cons
Pros | Cons |
|---|---|
✅Selection of account plans for different customer needs ✅All plans offer linked card and some no fee weekday conversion ✅Some no fee ATM withdrawals included monthly ✅High level security features as standard | ❌Monthly fees apply for most feature packed accounts ❌You can’t hold an MYR balance ❌Fair usage fees apply on out of plan conversion and ATM use |
YouTrip Card Review
⭐ Good for simplicity and Malaysia trips
YouTrip Features
- 12 currencies supported for holding and exchange, covering popular travel destinations from Singapore
- Free card issuance and delivery, with some free ways to top up your account
- Virtual card available, compatible with Apple Pay and Google Pay
- Cashback programs and partner perks, including Malaysia-specific benefits and partnerships
YouTrip Exchange Rates & Fees
- Mastercard wholesale exchange rates on card spending across 150+ currencies, with no additional FX charge
- High no fee ATM withdrawal limits at 400 SGD/month
- A 1.5% service fee applies to Visa credit card top-ups. (debit card top ups and PayNow top ups are free)
YouTrip Pros and Cons
Pros | Cons |
|---|---|
✅Covers 12 major currencies popular with travellers ✅No ATM fees up to 400 SGD/month ✅No additional FX fee on spending overseas ✅Popular local wallet and card with great partner offers | ❌Limited transfer services if you need to send money to someone else ❌No way to receive incoming bank payments from others ❌Incidental fees, such as for card replacement, can apply |
Wise Card Review
⭐ Good overall for transparency and currency coverage
Wise Card Key Features
- Most comprehensive selection of supported currencies with 40+
- Local account details for [NumberCurrencyLocalAccountDetail] currencies to receive incoming payments from others
- Mid-market exchange rate when you spend, convert or send a payment, with low fees from 0.26
- Card can automatically convert for you with the lowest available fee if you don’t have the currency needed in your account for spending
Wise Exchange Rates & Fees
- Convert with the live mid-market exchange rate at the time of transacting
- Transparent fee structure from 0.26
- No weekend surcharge or fair usage fees
Wise Card Pros and Cons
Pros | Cons |
|---|---|
✅Very good selection of 40+ supported currencies ✅No ongoing account or card fees to pay ✅Get paid in [NumberCurrencyLocalAccountDetail] currencies with local account details ✅ Business accounts with multi-currency services and integration with accounting software (Xero, QuickBooks) | ❌Currency exchange and card order fees apply ❌ATM costs of 1.75% apply after monthly allowance is used ❌No partner offers or discounts |
Use Case Guide: Which Card Should You Choose?
Selecting the best card from Revolut vs YouTrip vs Wise depends a lot on your preferences and plans.
If you’re mainly focused on a simple card for regional use with good local partner perks, YouTrip may be a good pick.
If you don’t mind paying a monthly fee to unlock extra perks and cut out weekend and fair usage fees, Revolut could be a match. Or if you want a great all rounder with broad currency support, Wise may be the one for you.
Good for Expats & Foreign Talent (EP/S Pass Holders)
✅ You might find Wise useful if you:
- Receive foreign salary with local account details in major currencies like USD, GBP, and EUR
- Send money home to pay bills or support family, to [NumberCountryTransfer]+ countries at mid-market rates
- Make global tax reporting easier with a transparent fee breakdown
Good for Frequent Malaysia Travelers
✅ You might find YouTrip useful if you:
- Convert your SGD to MYR in advance and hold in your digital wallet to set your travel budget
- Exclusive cashback, offers and perks at Malaysian merchants to make your money go further when you travel
- Highest fee free ATM withdrawal limit at 400 SGD a month before you pay any fees
Good for Business Owners & Freelancers
✅ You might find Wise useful if you:
- Wise Business account supports 40 currencies, with batch payments, invoicing tools and other time saving perks
- Free accounting software integration (Xero, QuickBooks) to make bookkeeping across currencies a breeze
- Receive client payments in 8 currencies with local account details - often free or cheap for the client, with no Wise incoming payment fee for you
Good for Tech-Savvy Users Who Want Everything
✅ You might find Revolut useful if you:
- All-in finance app covering account management, budgeting tools, investment features and more
- Generate and use up to 20 virtual cards for online shopping security
- Premium plans offer extra perks such as discounted lounge access on Metal plan, travel insurance, brand subscriptions and cash back on card spending
Good for Simple, No-Fuss Travel
✅ You might find YouTrip useful if you:
- Super simple and intuitive app to use, with zero learning curve
- No hidden fees to worry about - just avoid topping up with credit card, and keep ATM withdrawals below the 400 SGD limit to keep costs down
- Free card issuance and delivery, and no ongoing account fees
Hidden Fees & Gotchas to Watch Out For
Revolut:
- ❌ Weekend 1% markup (Fri 5 am - Mon 6am SGT during Daylight Saving Time) on standard plans
- ❌ Fees of 1% after 5,000 SGD/month conversion limit on standard plans
- ❌Card delivery fees apply on all cards, with an issuance fee for additional cards
YouTrip:
- ❌ Malaysia petrol pre-authorization means having a 200 MYR hold applied
- ❌ Fixed currency order for auto-conversion (not always best rate)
- ❌1.5% fee to top up with a credit card
Wise:
- ❌ Card fee of 8.50 SGD (one-time fee on first card)
- ❌ ATM fees of 1.75% apply once you’ve exceeded your monthly limit
- ❌ Small conversion fee on every transaction
💡 Pro-tip: All three providers are regulated by MAS in Singapore. Review each provider’s terms and security features before you decide.
2026 Updates: What's New?
Regulatory Changes:
- MAS enhanced consumer protection rules (Jan 2026), including on digital advertising and influencers
- All MAS licensed providers are now required to show total cost before transaction
- Improved dispute resolution processes to support consumers if they believe a provider has not treated them fairly
Feature Updates:
- Revolut now has expanded eSIM offerings for travelers, available to customers across all plan types, for instant access to overseas data
- YouTrip has added in new Malaysia partnership perks, discounts and benefits which you can view in the app and redeem when you’re travelling
- Wise has added 5 new currency corridors (now 40+) allowing people to send money across borders securely, cheaply and easily, to more countries than ever before
FAQ: Your Top Questions Answered
Conclusion & Final Verdict
All three providers - Revolut vs YouTrip vs Wise - are great options for Singapore residents and citizens who need to travel, spend overseas or manage their money across several currencies.
While each card has its own features and fees they all offer secure spending and withdrawals, and ways to hold a balance in foreign currencies. For many customers, having one or more of these travel optimised cards can be an excellent way to limit your overseas spending costs.
For a solid all round option with no account opening fee and no monthly fee, consider Wise. Wise has the largest selection of supported currencies of the three providers we examined, and uses the mid-market exchange rate with no weekend or fair usage surcharges.
Let’s close out with a few final tips:
- Open a Wise account for free - Get your card in 5-7 days
- Always compare live rates before converting large amounts
- If you have planned travel or overseas bills, set up exchange rate alerts to convert when rates are favorable