Revolut Card Singapore Review 2026: Fees, Plans & Is It Worth It?
The Revolut card in Singapore is a multi-currency prepaid card that lets you hold, exchange, and spend in 30+ currencies with no foreign transaction fees on weekdays (up to S$5,000/month on the free Standard plan). Regulated by the Monetary Authority of Singapore (MAS), Revolut offers three plans — Standard (free), Premium (S$10.99/month), and Metal (S$21.99/month) — making it one of the most flexible travel cards for Singapore residents heading overseas.
Not financial advice. All figures are for educational reference only. Data as at June 2026 unless noted.
Table of Contents
- What Is the Revolut Card Singapore?
- Revolut Singapore Plans: Standard, Premium & Metal
- Revolut Card Fees in Singapore
- Revolut vs YouTrip vs Wise: Which Is Cheaper?
- How to Apply for a Revolut Card in Singapore
- Is Revolut Safe in Singapore?
- Revolut Singapore: Pros & Cons
- Verdict: Is the Revolut Card Worth It?
- Frequently Asked Questions
What Is the Revolut Card Singapore?
Revolut is a London-founded fintech that launched in Singapore in 2019. It operates through Revolut Technologies Singapore Pte. Ltd. (UEN 201721013G), which holds a Major Payment Institution licence (PS20200326) issued by the MAS. This means Revolut is a regulated financial institution in Singapore — not just a foreign app operating in a grey zone.
The core product is a multi-currency account paired with a Visa debit card (physical or virtual). You top up SGD from your local bank account, then exchange into foreign currencies at the interbank mid-market rate directly within the app. When you tap your card overseas, Revolut draws from your pre-exchanged currency balance — or converts on the spot if you have not pre-loaded.
As at June 2026, Revolut supports 30+ currencies for holding and spending, and allows transfers to 100+ countries. The free Standard plan is available to Singapore residents, with no annual fee and no minimum balance.
Revolut is particularly popular with Singapore travellers heading to Europe, Japan, South Korea, and the UK — markets where the SGD is strong and local ATM and card fees can add up quickly.
Revolut Singapore Plans: Standard, Premium & Metal
Revolut Singapore offers three plan tiers. Here is what each includes as at June 2026:
| Plan | Monthly Fee | FX Limit (No Fee) | Free ATM Limit | Weekend FX Surcharge | Cashback |
|---|---|---|---|---|---|
| Standard | Free | S$5,000/month | S$350/mo or 5x | +1% | None |
| Premium | S$10.99/month | S$15,000/month | S$700/month | None | None |
| Metal | S$21.99/month | Unlimited | S$1,050/month | None | 1.5% on card spend |
Source: Revolut Singapore pricing page (revolut.com/en-SG), June 2026
The weekend surcharge on the Standard plan is the most important fee to understand. If you make foreign currency transactions between Friday 5pm (New York time) and Sunday 6pm (New York time), Revolut adds a 1% markup. For a weekend trip spending S$2,000 abroad, that is an extra S$20. It is not enormous, but for frequent weekend travellers it accumulates.
The Premium plan at S$10.99/month makes sense for frequent travellers who regularly hit the S$5,000/month FX limit or travel on weekends. At S$131.88/year, it pays for itself if you avoid even 2–3 weekend surcharge transactions of ~S$70 each over the year.
The Metal plan at S$21.99/month suits heavy spenders. To break even against the free Standard plan purely on cashback, you need to spend at least S$1,466/month on card transactions — roughly S$17,600 per year — before the 1.5% cashback starts adding net value beyond the subscription cost.
Revolut Card Fees in Singapore (2026)
Here is the complete fee summary for Singapore users across all three plans:
| Fee Type | Standard | Premium | Metal |
|---|---|---|---|
| FX fee (weekday, within limit) | None | None | None |
| Weekend FX surcharge | +1% | None | None |
| Monthly FX limit (no fee) | S$5,000 | S$15,000 | Unlimited |
| Free ATM withdrawal/month | S$350 or 5x | S$700 | S$1,050 |
| Over-limit ATM fee | 2% (min S$1) | 2% (min S$1) | 2% (min S$1) |
| Physical card delivery | S$4.99 | Free express | Free express |
| Cashback on card spend | None | None | 1.5% |
| Crypto exchange fee | 1.49% | 0.99% | 0.99% |
Source: Revolut Singapore (revolut.com/en-SG/our-pricing-plans/), June 2026
One fee that catches new users by surprise is the top-up method. Topping up via PayNow or bank transfer is free. If your bank treats a top-up as a cash advance (uncommon but possible with some credit cards), your bank may charge a separate cash advance fee. Always top up from a debit account to avoid this.
Revolut does not charge a foreign transaction fee when you spend in a currency you already hold in your wallet. The discipline is to pre-load currencies at favourable weekday rates before you travel — especially if your trip spans a weekend.
Revolut vs YouTrip vs Wise: Which Is Cheaper for Singapore Travellers?
The three most popular multi-currency cards among Singapore travellers are Revolut, YouTrip, and Wise. Each has a different fee structure. For a full head-to-head, read our detailed Revolut vs YouTrip Singapore comparison.
| Scenario | Revolut Standard | YouTrip | Wise (est.) |
|---|---|---|---|
| Weekday spend S$5,000 | S$0 | S$0 | ~S$21 |
| Weekend spend S$5,000 | S$50 (+1%) | S$0 | ~S$21 |
| ATM withdrawal S$500 | Free (within limit) | S$6.50 (1.3% fee) | ~2 free, then ~1.75% |
| Annual card fee | Free | Free | ~S$10 card delivery |
Source: Revolut SG, YouTrip, Wise pricing pages, June 2026. Wise fee is estimated at ~0.41% variable + fixed component. For illustrative purposes only.
Key takeaway: On pure weekday spending under S$5,000/month, Revolut Standard and YouTrip are both free. YouTrip is better for weekend travellers who cannot pre-load currencies in advance, because YouTrip charges zero FX fees regardless of day or time. Revolut beats YouTrip on ATM withdrawals — Revolut Standard gives S$350/month free, while YouTrip charges 1.3% per ATM withdrawal with no free tier.
Many experienced Singapore travellers hold both cards: use YouTrip on weekends, Revolut on weekdays for ATM access. You can sign up for YouTrip using our YouTrip referral code for a sign-up bonus.
Wise is the better choice if you need to send money internationally to bank accounts, as its transfer fees are typically lower than Revolut for remittances to India, the Philippines, or Bangladesh.
How to Apply for a Revolut Card in Singapore
Applying is fully digital and typically takes 5–10 minutes:
- Download the Revolut app from the App Store or Google Play.
- Sign up with your Singapore mobile number and email address.
- Verify your identity by uploading your NRIC or passport — automated OCR typically approves within minutes.
- Select your plan — start with the free Standard plan; you can upgrade anytime.
- Top up your account via PayNow or bank transfer (free).
- Order your physical card (S$4.99 on Standard) or use a virtual card instantly.
- Pre-load currencies in the app on a weekday before your trip to lock in mid-market rates.
The virtual card is available immediately upon sign-up and works with Apple Pay, Google Pay, and for online purchases. You do not need a physical card to start spending abroad — if you are adding Revolut to your digital wallet before a trip, the virtual card is ready to use within minutes of sign-up.
Is Revolut Safe in Singapore?
Yes — Revolut in Singapore is regulated by the Monetary Authority of Singapore (MAS) as a Major Payment Institution (licence PS20200326). Under the Payment Services Act 2019, customer funds must be safeguarded in segregated accounts at a licensed bank, separate from Revolut’s own operating funds.
However, Revolut is not a bank. Deposits are not covered by the Singapore Deposit Insurance Corporation (SDIC), which protects deposits at full banks up to S$75,000 per depositor. This is the same position as YouTrip, Wise, and other major payment institution licencees in Singapore. Keep only the funds you need for current spending in your Revolut account — do not use it as a savings account.
Key security features include: instant freeze/unfreeze from the app, disposable virtual cards for online merchants, real-time transaction notifications, biometric login, and 24/7 fraud monitoring. Revolut’s card loss or theft response is app-based and immediate — you can freeze the card within seconds of noticing an issue.
Revolut Singapore: Pros & Cons
| Pros | Cons |
|---|---|
| Free Standard plan with no annual fee | 1% weekend FX surcharge on Standard |
| Mid-market rate on weekday FX | S$5,000/month FX limit on free plan |
| Free ATM withdrawals up to S$350/month | Not a bank — no SDIC deposit protection |
| 30+ currencies in one app | Physical card costs S$4.99 on Standard |
| Instant virtual card on sign-up | Chat-only customer support (can be slow) |
| MAS-regulated Major Payment Institution | Investment features not MAS-regulated |
| Travel insurance on Premium and Metal | Metal plan expensive at S$21.99/month |
Analysis based on Revolut Singapore product terms, June 2026.
Verdict: Is the Revolut Card Worth It for Singapore Travellers?
For most Singapore travellers, the free Revolut Standard card is worth having — especially alongside your regular bank debit card. It costs nothing to sign up, the virtual card works immediately, and you get mid-market rates on weekday FX spending up to S$5,000/month at zero cost.
The Revolut Standard plan suits travellers who: take 2–4 overseas trips per year and want to avoid bank FX markups (typically 2–3.5% at DBS, OCBC, UOB); need free ATM withdrawals overseas up to S$350/month; want a multi-currency wallet to pre-load when rates are favourable; or use the app for stock or crypto investing alongside travel spending.
The weekend surcharge is the main limitation. If you consistently spend abroad on weekends without pre-loading currencies, you pay +1%. In that case, either upgrade to Premium or keep a YouTrip card as your weekend backup — see our Revolut vs YouTrip comparison for a full breakdown of when to use each.
For heavy travellers spending more than S$5,000/month overseas, the Premium plan at S$10.99/month offers real value: no weekend surcharge, tripled FX limit, higher ATM cap, and travel insurance. The Metal plan is best reserved for those who can generate enough cashback to justify S$21.99/month.
To put your travel savings in context with your broader financial goals, use our Singapore retirement calculator. And if you are building long-term wealth, our moomoo Singapore review covers one of the most cost-effective platforms for investing in stocks and ETFs.