YouTrip card review 2025
If you’re planning an overseas trip you might be looking for some of the best travel cards in Singapore to help you spend internationally with low fees and fair exchange rates. YouTrip is a popular local provider which offers multi-currency accounts with a linked physical or virtual card for simple spending. But is it right for you? This YouTrip card review is here to help you decide.
Join us as we walk through all you need to know about the YouTrip card, including the YouTrip card annual fee and costs, pros and cons, also alternatives to consider, like Wise.
Key features: YouTrip card
YouTrip has no account opening or annual fee to pay
You can hold 10 currencies in a YouTrip account, which is linked to a physical and virtual debit card
Use your YouTrip card to spend at home and abroad, and to make ATM withdrawals overseas
You can send money to other YouTrip cards for free, and send international payments to 40+ countries for a fee
YouTrip uses close to wholesale exchange rates for currency conversion, with no foreign transaction fee to pay
Alternative providers like Wise support more currencies, if you need a more flexible account option
| YouTrip pros | YouTrip cons |
|---|---|
✅ No ongoing fees ✅ Great exchange rates ✅ Some free ATM withdrawals monthly ✅ Free to spend a currency you hold - 10 currencies supported | ❌ Local ATM withdrawals are not supported ❌ Various fees apply including international transfer charges and ATM costs once free withdrawals are exhausted |
YouTrip card vs alternatives in Singapore
Before you sign up for a YouTrip account, take a look at a few alternatives. Here we have a couple of other great card options for spending at home and abroad - the Wise card which supports 40+ currencies for holding and exchange, and the BigPay card which is from a local provider and offers SGD holding with handy budgeting and bill pay tools.
| YouTrip card | Wise debit card | BigPay card | |
|---|---|---|---|
| Linked multi currency account | Yes - hold 10 currencies | Yes - hold 40+ currencies | No |
| Availability | Singapore and Thailand | Singapore and many other countries globally | Singapore and Malaysia |
| Card order fee | None | 8.5 SGD | 10 SGD |
| Monthly or annual fees | None | None | None |
| International ATM withdrawals | Withdraw up to 400 SGD/month for free, then 2% fees apply | 2 withdrawals up to 350 SGD/month for free, then 1.5 SGD + 1.75% fees apply | 1 withdrawal free per month, then 2% fees apply |
| Exchange rates | YouTrip rate - close to wholesale rates | Mid-market rate | BigPay rate |
| Foreign transaction fees | None | None | 1% |
| International Money Transfers | Variable fees, available in app | Variable fees from 0.26% | 1 SGD - 8 SGD depending on destination |
You’ll be able to choose either a travel card with multi-currency features for your next trip overseas, or one which supports SGD only but which has low foreign transaction fees. Both can work well, it just depends on your priority.
Being able to switch your funds to the currency you need in advance can make budgeting easier, while holding your SGD balance means you’ll still be able to use your money to send to others or to pay local bills while you’re away.
Here’s a quick summary of the providers we've picked out as alternatives to YouTrip:
Wise - hold and exchange 40+ currencies with the mid-market rate and no foreign transaction fee when spending with your card. Up to 2 free ATM withdrawals monthly
BigPay - keep your balance in SGD and use it to spend with a low 1% foreign transaction fee when you’re away from home. 1 free ATM withdrawal monthly
We’ll look at these services in more detail next.
Want to consider some other alternatives? Take a look at our Revolut card review, for another great travel card option in Singapore.
Wise
Wise provides multi-currency account and card services for personal and business customers in Singapore and many other countries around the world. You can hold and exchange 40+ currencies, and order a linked debit card for a one time fee. With your card you can spend any currency you hold for free, and if you don’t have the currency you need, the card’s autoconvert features will manage the exchange for you, with low fees and the mid-market exchange rate.
Very broad range of supported currencies, spend in 150+ countries
Mid-market exchange rates and no ongoing fees
Other account perks like ways to send and receive international payments
| Wise Pros | Wise Cons |
|---|---|
✅Hold and exchange 40+ currencies, spend in 150+ countries ✅Mid-market exchange rates ✅Personal and business services available ✅Ways to receive payments in foreign currencies conveniently | ❌Variable fees based on the currency and transaction type ❌One time fee to get a card |
You can see a head to head comparison of Wise, YouTrip and the Trust Card here to get more insights and to help you decide which card is right for your needs.
BigPay
BigPay is a local provider which is very popular for home and international use. You’ll only be able to hold SGD but you’ll pay a low foreign transaction fee of 1% when you’re away from home. Plus, accounts offer easy ways to pay your SGD bills, send international payments and split costs with friends. There are also ways to save with exclusive promotions, and you can earn AirAsia points as you spend.
Hold SGD and spend overseas with a low foreign transaction fee of 1%
Budgeting tools, ways to pay your SGD bills, and functions to send international payments
Earn AirAsia points as you spend
| BigPay Pros | BigPay Cons |
|---|---|
✅Popular provider with e-wallet and card services ✅Use for spending at home and abroad ✅Bill pay and bill splitting tools in built ✅Perks and rewards available | ❌1% foreign transaction fee ❌ATM fees apply after only 1 withdrawal |
What is the YouTrip card?
The YouTrip card is a travel card which is linked to an e-wallet which supports 10 currencies for holding. You can also use your card to spend in 150+ countries - wherever Mastercard is accepted. YouTrip offers very good exchange rates for currency conversion, with low fees for some transactions, and an easy to use app and online service.
Who is the YouTrip debit card for?
The YouTrip card is available for people in Singapore or Thailand who:
Travel internationally and want a separate travel card to pay while away
Prefer to manage their money in an app
Spend primarily in currencies which are supported by YouTrip - if your destination is not supported you may want to look at Wise which has a broader range of currencies
Want to access good exchange rates and low overall spending costs
Is a YouTrip card safe?
Yes. YouTrip is legit and safe to use.
YouTrip is authorised by the Monetary Authority of Singapore (MAS) as a major payments institution, and works with Mastercard to issue payment cards. YouTrip also has a focus on security with instant payment alerts, a one-click lock system if you’re worried your account has been compromised, and 24/7 anti-fraud monitoring.
How does a YouTrip card work?
The YouTrip card is a Mastercard debit card, linked to a digital account to support holding 10 currencies. You can use your card with Apple Pay and Google Pay, and you can also access virtual cards for increased security when shopping online. Wallet holding limits apply, and there’s no way to make ATM withdrawals in Singapore. This means that for most people this is a card which you’ll hold in addition to a primary bank or provider account, for travel use.
Is a YouTrip card a credit card or debit card?
The YouTrip card is a Mastercard debit card, so you’ll need to add money before you can spend.
YouTrip virtual cards
For online and mobile payments you can open a YouTrip virtual card which comes with a unique 16-digit card number and Y-number. This means that you’ll be able to spend with your virtual card and lock it when you’re finished, without impacting how you use your physical card. This can add extra security when spending online with new merchants.
So - how to use YouTrip virtual card?
With your YouTrip virtual card you can make top-ups
With your YouTrip virtual card you can start shopping online, even before your physical card arrives
With your YouTrip virtual card you can take mobile payments through a wallet like Apple Pay
To find your virtual card just navigate to the cards tap in the YouTrip app. Customers are automatically issued one virtual card, and can not generate additional cards.
If a virtual card is a priority for you, check out our guide to the best virtual debit cards in Singapore here.
YouTrip card fees & limits
When you use any travel card, there are fees and limits to be aware of. This ensures you don’t run up any surprise bills. Here are some of the key costs associated with the YouTrip card so you can decide if it’s right for you:
| Service | Youtrip |
|---|---|
| Open an account | No fee |
| Order a card | No fee (card replacement fee applies if you lose your initial card) |
| Spend with your card | No fee to spend currencies you hold No foreign transaction fee |
| ATM withdrawals | Withdraw up to 400 SGD/month for free, then 2% fees apply |
| Receive a payment | Receive payments from other Youtrip cardholders with no fee, in 10 currencies Received funds can not be withdrawn from Youtrip |
| Send a payment | Transfers to other Youtrip cards are free, International payments can be made to 40+ countries, from a SGD balance, with variable fees |
| Currency conversion | YouTrip rate, which is based on the wholesale rate, usually with under 0.1% difference |
YouTrip exchange rates
YouTrip provides exchange rates in partnership with Mastercard and other currency partners. The YouTrip rate is based on the wholesale rate, with a marginal difference which is usually under 0.1%. The wholesale rate is the one that banks will get when they buy and sell currencies themselves - so you can be confident you’re getting a pretty good deal from YouTrip.
YouTrip card limits
Here are some of the important YouTrip limits to think about before you sign up:
| Service/transaction | YouTrip limit |
| Spending limit | Wallet balance |
| ATM limit | 5,000 SGD withdrawals daily |
| Send to other YouTrip cards | 1,000 SGD peer payment, no upper limit |
| Send overseas payments | Wallet balance |
| Withdraw to bank | Usually 1,000 SGD per withdrawal |
| Wallet holding limit | 20,000 SGD |
| Annual holding limit | 100,000 SGD |
How to get YouTrip card
You can get your YouTrip card with just your phone or laptop. Here are the steps to take to get everything sorted with just a smartphone:
Download the YouTrip app
Tap Register and follow the prompts to add your personal and shipping information
Get verified with Myinfo or by uploading proof of ID and address
Your physical card will arrive in 5 - 7 days, and you can use the virtual card instantly
How to activate your YouTrip card
Once you have your physical YouTrip card in your hand you need to activate it before first use - here’s how:
Open the YouTrip app and tap the Cards icon
Tap My card has arrived
Enter your new Y-number (found on the back of your YouTrip card)
Create a 4-digit ATM PIN for overseas ATM cash withdrawals
How long does it take for a YouTrip card to arrive?
Your physical YouTrip card will arrive in 5 - 7 days, and you can use the virtual card instantly.
How to use a YouTrip card?
You can use a YouTrip card to make digital, in person and mobile payments at home and abroad. You can also make overseas ATM withdrawals once you have your physical card. Finally, you can send your YouTrip balance to others - either to other YouTrip cards for free, or to bank accounts in 40 countries for a variable fee.
How to top-up your YouTrip card
You can top up YouTrip in the following ways:
With a PayNow QR
With a linked bank account
With a linked debit or credit card
With Apple Pay
In most cases, the steps are pretty similar:
Log into the YouTrip app and tap Top up
Select the top up method you want
Add the amount of money to top up
Slide to activate the top up
How to withdraw money from YouTrip card
You can not use your YouTrip card in an ATM in Singapore. However, when you’re away from home you can use your card to take out cash at any ATM which shows the Mastercard logo, just like you would at home.
How to use YouTrip overseas?
Youtrip is issued on the Mastercard network which is very widely accepted all over the world. Just look out for the symbol on a payment terminal or at an ATM.
You can withdraw up to 5,000 SGD a day from international ATMs, and you can spend to your wallet limit. Bear in mind fees apply once you have exceeded the free ATM withdrawal limit.
Supported currencies
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 also use your card to spend in 150+ countries globally.
Conclusion: is the YouTrip card worth it?
The YouTrip card supports 10 currencies and can be used for spending in 150+ countries. You’ll get a very good exchange rate - almost the same as the wholesale rate - for currency conversion, and there’s no ongoing fee to pay.
The YouTrip card can certainly be a handy thing to have in your wallet while you travel. However, it’s not necessarily the right tool to manage all your international spending and finances.
A provider like Wise has more breadth, with 40+ supported currencies, and ways to send payments to 160+ countries. Plus, you get the mid-market exchange rate when you convert currencies. If you intend to leave your balance in SGD anyway, you may also want to compare YouTrip vs BigPay as BigPay has some good reward earning opportunities as well as bill pay and budgeting tools built in.
Use his guide to help you compare your options and decide if the YouTrip card is the right one for you.
FAQ: Youtrip
It is free to register with YouTrip and there’s no fee to get a card. Some transaction fees may still apply, depending on how you use your card.
The YouTrip card is a Mastercard debit card.
You can only register with YouTrip if you have a Singapore address. If you’re a tourist in Singapore this probably isn’t the case - instead, you may want to consider a provider like Wise which is available in many countries globally and supports spending, holding, sending and receiving SGD payments.
Yes. YouTrip is available for citizens and residents of Singapore and Thailand.
No you can’t add cash to your account. Top up using a bank transfer or card instead.
General advice: The information on this site is of a general nature only. It does not take your specific needs or circumstances into consideration. You should look at your own personal situation and requirements before making any financial decisions. We compare currency exchange and money transfer services in over 200 countries and territories worldwide. We only display reputable companies which we have researched and approved.