The Revolut card in Singapore is a multi-currency prepaid card available in four plans: Standard (free), Premium (S$10.99/month), Metal (S$21.99/month), and Ultra (S$89.99/month). The free Standard plan gives you inter-bank FX rates on up to S$5,000 per month with no markup — a solid pick for occasional travellers. Paid plans unlock higher ATM limits, no weekend FX surcharge, and travel perks worth hundreds per year.

Not financial advice. All figures are for educational reference only. Data verified as at 2 September 2026 against Revolut’s official pricing page unless noted.

What Is the Revolut Card?

The Revolut card is a multi-currency debit card issued by Revolut Technologies Singapore Pte. Ltd. — a Major Payment Institution regulated by the Monetary Authority of Singapore (MAS). You load SGD into the app, and Revolut converts it to 30+ currencies at the inter-bank exchange rate when you spend abroad.

Think of it as a smart wallet that sits between your Singapore bank account and your overseas spending. Instead of your DBS or OCBC card charging a 3.25%+ foreign transaction fee, Revolut converts at near-zero markup — at least within your monthly plan limits.

Revolut also offers stock trading, crypto, money market funds, and joint accounts. But for most Singaporeans, the core draw is the FX rate savings for travel spending.

Revolut Singapore Plans & Pricing (2026)

Revolut Singapore offers four plans. Here is a full breakdown of what each costs and includes:

Source: Revolut Singapore official pricing page, September 2026

For most Singaporeans, the Standard plan is the best starting point. It costs nothing, and if you spend less than S$5,000 overseas per month and avoid weekend exchanges, the plan performs similarly to paid tiers. The Premium plan at S$10.99/month earns its keep if you travel 2–3+ times a year — the bundled travel insurance and waived weekend fee alone usually cover the cost.

FX Rates & Currency Exchange

Revolut’s biggest draw is its inter-bank (mid-market) exchange rate — the same rate you see on Google. Traditional Singapore banks typically add a 2–3.5% markup. On a S$3,000 overseas trip, that’s S$60–105 in hidden fees your DBS or OCBC card would charge that Revolut doesn’t.

There is one important caveat for Standard users: Revolut adds a 1% weekend surcharge on exchanges made between Friday 5pm and Sunday 6pm New York time (roughly Saturday 5am to Monday 6am SGT). If you’re paying for a hotel in Tokyo on Saturday morning, that 1% applies.

Premium, Metal, and Ultra users pay no weekend fee — often the single strongest reason to upgrade from Standard. Monthly FX limits apply to the no-extra-fee window. After S$5,000 in exchanges on Standard, Revolut adds a fair usage fee disclosed in-app at the time of the transaction.

Revolut ATM Withdrawal Fees — What to Expect Overseas

Revolut allows fee-free ATM withdrawals up to your plan’s monthly limit. After that, Revolut charges a 2% fee per withdrawal. Third-party ATM operators may also add their own surcharge — Revolut cannot waive that.

Source: Revolut Singapore official pricing, September 2026

Here is the practical reality for a Standard plan user on a 10-day trip. You get S$350 in fee-free ATM withdrawals — or 5 withdrawals, whichever hits first. For cash-heavy destinations like Japan, Vietnam, or Myanmar, this runs out fast. The Premium plan doubles the limit to S$700, which covers most holiday cash needs without hitting the 2% fee zone.

Source: Revolut Singapore official pricing, September 2026. Third-party ATM operator fees may additionally apply.

Revolut vs YouTrip: Key Differences for Singapore Travellers

YouTrip is Revolut’s closest rival in Singapore. Both offer low-markup FX rates for overseas spending. But they work differently. Here is how the two free-tier products compare:

Sources: Revolut SG and YouTrip SG official websites, September 2026

YouTrip’s key advantage: no weekend FX fee, making it simpler for travellers who don’t want to think about timing. Revolut’s key advantage: a full financial platform with paid tiers that unlock meaningful perks for frequent travellers. For the detailed head-to-head, see our Revolut vs YouTrip Singapore comparison.

How to Apply for the Revolut Card in Singapore

Signing up takes about 5 minutes. Here is what you do:

1. Download the Revolut app from the App Store or Google Play.
2. Enter your Singapore phone number and email address.
3. Complete identity verification — you need your NRIC or passport.
4. Add SGD via PayNow, debit card, or bank transfer.
5. Order your physical card from within the app (S$4.99 for Standard, free express delivery for paid plans).

Most users are verified within minutes. Physical card delivery takes 3–7 business days on Standard, or express on paid plans. You can start making online or Apple/Google Pay purchases immediately with a virtual card while waiting for the physical card.

If you are deciding between travel cards, our guide to the best multi-currency cards in Singapore compares Revolut, YouTrip, Wise, and Trust Bank in one place. For ATM tips abroad, our multi-currency debit card Singapore guide has plan-by-plan recommendations.

Verdict — Is the Revolut Card Worth It for Singaporeans?

The Revolut Standard card is worth having for almost every Singapore traveller. It is free, and the inter-bank FX rate up to S$5,000/month is genuinely competitive. Pre-load currencies on weekdays to sidestep the 1% weekend surcharge and you will barely notice the limitation.

Upgrading to Premium at S$10.99/month makes clear financial sense if you travel 2–3+ times a year. You lose the weekend fee, double the ATM limit, and gain bundled travel insurance — the insurance alone typically costs S$30–60 per trip if bought separately.

Metal and Ultra suit frequent flyers and digital nomads. At S$21.99 and S$89.99 respectively, you need to honestly assess your travel cadence and whether the extras — 1.5% cashback, unlimited FX, priority support, lounge access — stack up against the monthly cost.

Source: Revolut Singapore official pricing, September 2026

Not financial advice. All product details sourced from official product pages as at September 2026. Verify current rates and limits directly with Revolut before applying.