Best Multi-Currency Card Singapore (2026): YouTrip, Wise & Revolut Compared
A complete fee comparison for Singapore travellers — exchange rates, ATM limits, and which card saves you the most in 2026.
The three best multi-currency cards for Singapore residents are YouTrip, Wise, and Revolut. For pure overseas spending, YouTrip is the default pick — zero FX fees, real mid-market rates with no weekend markup, and S$400/month free ATM withdrawals. Wise is better for sending money abroad. Revolut suits power users who want extra banking features. All three beat local banks on foreign exchange by a wide margin.
Not financial advice. All figures are for educational reference only. Data verified as at July 2026.
- YouTrip: Best for overseas spending — 0% FX fee, S$400/mth free ATM, no weekend markup, no catches
- Wise: Best for international transfers — transparent fees from 0.23%, hold 40+ currencies, receive foreign payments
- Revolut Standard: Best for features — budgeting, stocks, crypto; but 1% weekend FX fee and S$5,000/month FX cap apply
Table of Contents
Quick Answer: Which Card Wins?
For most Singapore travellers, YouTrip is the easiest choice. There are no FX fees, no weekend markups, and no monthly exchange limits. Sign up in minutes, top up with PayNow, and spend in 150+ countries at the real mid-market rate.
However, YouTrip does not let you send money overseas. If you need to transfer funds to family abroad or pay a foreign invoice, Wise is your best option. Its conversion fees start from 0.23% — transparent, shown before you confirm — and you can hold and receive money in 40+ currencies.
Revolut sits between the two. The Standard plan is free and works well for casual spending. However, it has a 1% weekend markup and a S$5,000/month FX cap — worth knowing before your next trip. Paid plans remove these limits for a monthly fee.
For an in-depth look at each card, read the full YouTrip Singapore review, the Wise Singapore review, and the Revolut Singapore guide.
Key Differences at a Glance
Here is the full side-by-side comparison. Use this to zero in on what matters most for your travel style.
| Feature | YouTrip | Wise | Revolut Standard |
|---|---|---|---|
| FX Fee | 0% | From 0.23% | 0% weekdays; 1% weekends |
| Monthly FX Limit | Unlimited | Unlimited | S$5,000, then +1% |
| Free ATM/Month | S$400 | S$100 | S$350 (max 5 withdrawals) |
| ATM Fee After Limit | 2% | 1.75% | 2% or S$1.49 (higher) |
| Currencies Held | 12 | 40+ | 30+ |
| International Transfers | No | Yes | Yes |
| Card / Annual Fee | Free / None | Free / None | Free / None (Standard) |
| Weekend FX Markup | None | None | 1% |
Source: YouTrip, Wise, and Revolut official Singapore websites, July 2026
Exchange Rates & FX Fees
Exchange rate markups are the hidden cost most banks bury in the fine print. All three cards beat banks — but they differ in how and when they charge fees.
YouTrip
YouTrip uses the real mid-market exchange rate — the same rate you see on Google or XE.com — with zero markup. You pay 0% in FX fees whether you spend on a Tuesday in Paris or a Sunday in Tokyo. There is no weekday/weekend distinction and no monthly cap on conversions.
For a Singapore traveller spending S$1,000 equivalent in Japanese Yen on a weekend trip, YouTrip costs S$0 in FX fees.
Wise
Wise charges a transparent conversion fee starting from 0.23% for major currency pairs like SGD to USD or EUR. For less liquid currencies, the fee can be higher — but you see the exact amount before confirming any transaction in the app. No hidden markup.
The same S$1,000 spend on Wise would cost approximately S$2.30 or more in fees. Still far cheaper than any bank, but slightly more than YouTrip for pure spending.
Revolut Standard
Revolut’s 0% FX rate applies on weekdays only. Between Friday 5pm and Sunday 6pm (US Eastern Time), a 1% weekend markup applies. On a Saturday in Tokyo, that same S$1,000 spend would cost S$10 in extra fees.
Once you exceed S$5,000/month in FX conversions, a further 1% fair usage fee kicks in. For most leisure travellers this cap will not be an issue. But frequent travellers on extended trips should take note.
ATM Withdrawal Fees
Not everywhere accepts card payments. Japan, Vietnam, and parts of Europe still run heavily on cash. Your monthly ATM allowance matters more than you might expect.
YouTrip
YouTrip gives you the most generous free ATM allowance — S$400/month overseas — with no withdrawal count cap. After that, 2% applies. For a week-long trip to Japan where you might need S$300–S$400 in yen, this covers most travellers comfortably.
Wise
From 1 May 2026, Wise reduced its free overseas ATM limit to S$100/month. After that, 1.75% applies per withdrawal. If you withdraw S$400 in cash overseas, the extra S$300 beyond the free tier costs you S$5.25 in fees. Still much cheaper than a bank — but notably less generous than YouTrip.
Revolut Standard
Revolut Standard allows up to S$350/month or 5 ATM withdrawals — whichever limit you hit first. After that, 2% applies (minimum S$1.49). The 5-withdrawal count cap is the catch. If you are in a cash-heavy country and pull out cash daily, you will hit that limit within a week.
| Card | Free Monthly Allowance | Fee After Limit |
|---|---|---|
| YouTrip | S$400 (no withdrawal cap) | 2% per withdrawal |
| Wise | S$100 | 1.75% per withdrawal |
| Revolut Standard | S$350 or 5 withdrawals | 2% or S$1.49 (whichever higher) |
Source: YouTrip, Wise, Revolut Singapore official websites, July 2026. Applies to overseas ATM withdrawals only.
Top-Up Options & Wallet Features
How you fund the card matters just as much as what it costs to spend.
YouTrip
You can top up YouTrip via PayNow (free), eGIRO to a linked bank account (free), debit card (free), or Apple Pay (free). Credit card top-ups incur a 1.5% fee. The wallet holds up to S$5,000 via local bank transfer, or up to S$20,000 via PayNow or Apple Pay.
YouTrip holds 12 currencies — USD, JPY, EUR, GBP, AUD, HKD, and more. You can pre-exchange when rates look favourable, or let YouTrip convert at the time of spending.
Wise
Wise is a full multi-currency account. You can receive SGD, USD, EUR, GBP, and AUD via local account details — useful for freelancers, expats, and remote workers paid in foreign currencies. You hold 40+ currencies simultaneously with no balance ceiling.
Top up via bank transfer (free) or debit card. Conversion fees are shown before every transaction, so you always know exactly what you pay.
Revolut
Top up via bank transfer or card. The Standard plan is free. Paid plans (Plus, Premium, Metal) remove the weekend FX markup, increase ATM limits, and add travel insurance and priority support. See Revolut’s current Singapore pricing for the latest monthly fees.
Revolut also offers stock trading, cryptocurrency access, and a full budgeting dashboard — features not available on YouTrip or Wise.
Who Should Pick Which Card?
Most Singapore residents end up using two cards: YouTrip for spending and Wise for sending. Here is the simple decision framework.
Pick YouTrip if you:
- Travel two to four times a year for holidays and want the simplest fee structure
- Do not need to send money overseas — you just need to spend abroad
- Want the most generous free ATM allowance at S$400/month
- Want 0% FX fees at all times, including weekends, with no monthly cap
Pick Wise if you:
- Send money to family overseas or pay foreign invoices regularly
- Receive payments in foreign currencies as a freelancer, remote worker, or expat
- Need to hold 40+ currencies simultaneously and receive foreign currency bank transfers
- Value full fee transparency — see the exact cost before every conversion
Pick Revolut if you:
- Want financial tools beyond spending: budgeting dashboards, stock trading, or crypto
- Are on a paid plan and want the weekend markup removed
- Spend less than S$5,000/month in foreign currencies on the free Standard plan
- Travel primarily on weekdays (avoiding the 1% weekend markup)
For more options beyond these three, our guide to the best travel card in Singapore covers cashback cards and a wider comparison. For miles and rewards credit cards for overseas use, check our guide to the best credit card for overseas spending in Singapore.
How to Get Your Card
All three cards are free to apply for and arrive by post within 3–7 business days.
How to Get YouTrip
Download the YouTrip app (iOS or Android), verify your Singapore NRIC or FIN, and your card is mailed to you. Check our YouTrip referral code page before signing up — YouTrip periodically offers welcome bonuses and promotions for new users.
How to Get Wise
Apply at Wise.com Singapore. Verify your identity, fund your multi-currency account via bank transfer, and order the physical card. Your Wise account is active immediately — you can start sending money internationally before the card arrives.
How to Get Revolut
Download the Revolut app and complete sign-up. The Standard plan is free with no monthly fee. Your card arrives by post in 5–7 business days. Upgrade to a paid plan at any time to unlock higher ATM limits and eliminate the weekend FX markup.
Disclaimer: TKN may earn a referral fee if you sign up via our links above. This does not affect the fees you pay. All information is for educational purposes only and is not financial advice.
Frequently Asked Questions
What is a multi-currency card and how does it work?
A multi-currency card is a prepaid or debit card that lets you spend in foreign currencies without the high foreign transaction fees charged by traditional banks. You load Singapore dollars into your account, and the card converts to the local currency when you spend overseas — at or near the mid-market exchange rate. Cards like YouTrip, Wise, and Revolut charge far less than banks, which typically add 2.5–3.5% per transaction, and are accepted worldwide wherever Mastercard or Visa is used.
Which multi-currency card has the lowest FX fees in Singapore?
YouTrip has the lowest FX fees for overseas spending — 0% at all times, including weekends. Wise charges from 0.23% depending on the currency pair. Revolut Standard is 0% on weekdays and 1% on weekends. If you want a single card with no fees at any time, YouTrip wins. If you also need to send money abroad, Wise offers the best value for international transfers.
Is YouTrip better than Wise for Singapore travellers?
For pure overseas spending, YouTrip is better — it charges 0% FX fees with no weekend markup and gives S$400/month free ATM access. Wise is better if you also need to send money internationally or receive payments in foreign currencies. Many Singapore residents carry both cards: YouTrip for holiday spending and Wise for transfers and remittances.
What is the Revolut weekend markup and how do I avoid it?
Revolut Standard applies a 1% weekend markup on all foreign currency conversions between Friday 5pm and Sunday 6pm (US Eastern Time). To avoid it, you can pre-convert your spending currency inside the Revolut app at the weekday rate before the weekend window opens. Alternatively, switching to a paid plan removes the weekend markup entirely.
Can I use my multi-currency card to withdraw cash at overseas ATMs?
Yes, all three cards work at overseas ATMs. Each includes a monthly free withdrawal allowance: YouTrip gives S$400/month free with no withdrawal count cap, Revolut Standard gives S$350/month capped at 5 withdrawals, and Wise gives S$100/month from May 2026. After the free limit, fees apply — 2% for YouTrip and Revolut Standard, 1.75% for Wise. Note that local ATM operators may also charge their own fees regardless of the card used.
Can I use a multi-currency card for online shopping in foreign currencies?
Yes. All three cards work for online purchases in foreign currencies — on websites priced in USD, EUR, GBP, or any other major currency. YouTrip applies 0% FX fee on all online purchases at any time. Wise applies its conversion fee from 0.23%. Revolut Standard is 0% on weekday purchases and 1% on weekend purchases. For habitual online shoppers buying from foreign retailers, YouTrip is the most cost-effective option.
Ready to Get Your Multi-Currency Card?
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This article was researched with the help of AI. While we strive to keep all information accurate and up to date, there may be errors. If you notice any discrepancies, please contact us.
