Revolut Card vs YouTrip: Which Travel Card Wins for Singapore? (2026)
Last updated: September 2026 · Travel & FX · 8 min read
Both Revolut and YouTrip are prepaid multi-currency cards popular with Singapore travellers — and both charge zero FX fees on weekday transactions. The key difference is Revolut’s 1% weekend FX fee and tighter ATM limits (S$350 free or 5 withdrawals/month from 25 Sep 2026) versus YouTrip’s simpler 0% FX at all times and S$400 free ATM/month. For pure card spending abroad, YouTrip wins on simplicity. For users who also send money overseas or want extra features, Revolut’s app ecosystem is richer.
Not financial advice. All figures are for educational reference only. Data as at September 2026 unless noted. Revolut Standard fee changes take effect 25 September 2026 — current and upcoming fees are noted throughout.
- YouTrip wins for pure travel spending — 0% FX 24/7, S$400 free ATM/month, zero complexity.
- Revolut wins if you need more — transfers, stock trading, crypto, insurance, and more features baked in.
- Weekends matter — Revolut charges 1% on FX exchanges on weekends. YouTrip never does.
Quick Verdict: Revolut Card vs YouTrip at a Glance
| Feature | YouTrip | Revolut (Standard) |
|---|---|---|
| Card Type | Prepaid Mastercard | Prepaid Visa |
| FX Fee (Weekdays) | 0% | 0% |
| FX Fee (Weekends) | 0% | 1% |
| Monthly Exchange Limit | None | S$5,000 |
| Free ATM/Month | S$400 | S$350 or 5 withdrawals |
| ATM Overage Fee | 2% on excess | 2% or S$1.49 min |
| Annual Fee | Free | Free (Standard) |
| Supported Currencies | 12 currencies | 36+ currencies |
| Cashback / Rewards | None | None (Standard) |
Source: YouTrip support centre; Revolut Singapore standard fees page (effective 25 Sep 2026) · Data as at Sep 2026
For a broader look at all the multi-currency cards available in Singapore, check out our guide to the best multi-currency card in Singapore.
What is the Revolut Card?
Revolut is a UK-based fintech that launched in Singapore in 2019. It offers a Standard plan that’s completely free — and a physical Visa card you can use abroad.
On the Standard plan, you can hold multiple currencies in the app and spend abroad with minimal fees. The card works best for card payments. ATM withdrawals are limited, and there’s a 1% surcharge on FX exchanges that happen outside Foreign Exchange Market Hours (that means weekends and late nights).
Revolut also offers paid plans — Premium (S$10.99/month) and Metal (S$21.99/month) — that come with better ATM limits, travel insurance, and higher exchange caps. But this guide focuses on the free Standard plan, which is what most Singapore users start with.
For the full breakdown of Revolut’s Singapore offering, read our Revolut Singapore review.
What is YouTrip?
YouTrip is a Singapore-born multi-currency wallet launched in 2018. It’s a prepaid Mastercard that lets you hold and spend in multiple currencies with zero FX fees — at any time of day or week.
The key difference from Revolut is simplicity. YouTrip does one thing really well: let you spend overseas cheaply. There are no paid tiers, no confusing fee structures, and no weekend surcharges. You top up, you spend.
YouTrip supports 12 currencies that you can hold and lock in your wallet. Any other currency is converted at the time of spending, still at 0% FX fee.
Want the complete picture? Our YouTrip Singapore 2026 guide covers everything from the referral bonus to withdrawal tips.
FX Fee Comparison: Where Revolut Catches You Out
On paper, both cards offer 0% FX fees. In practice, Revolut’s 0% is conditional.
Revolut uses its own exchange rate, which tracks the mid-market rate closely. During Foreign Exchange Market Hours (roughly Monday to Friday, market open), you get a competitive rate with no extra fee. But if you make an exchange on a weekend or during off-hours, Revolut adds a 1% transaction fee on top. That fee is per exchange — so a weekend holiday where you spend S$500 in JPY would cost you S$5 in hidden weekend charges.
YouTrip, by contrast, charges 0% at all times. It also uses the wholesale exchange rate across all 12 supported currencies. There’s no weekend penalty, no time-of-day restriction, and no exchange limit.
Revolut’s monthly exchange limit on Standard is S$5,000. Above that, a 1% fair usage fee applies to any further exchanges that month. YouTrip has no exchange limit.
For most travellers spending under S$5,000 a month overseas, the limit won’t be hit. But if you’re spending heavily on business travel or running high volumes through the card, YouTrip is the safer bet.
ATM Withdrawal Fees: YouTrip’s Edge
Need to withdraw cash overseas? Both cards give you a free monthly allowance — but the limits are slightly different, and the penalty structure matters.
YouTrip: S$400 free per calendar month. After that, a 2% fee applies on the excess amount. Simple.
Revolut (Standard, from 25 Sep 2026): Free up to S$350 per rolling month OR five withdrawals — whichever limit you hit first. After either limit is reached, a fee of 2% of the withdrawal amount applies, with a minimum of S$1.49 per transaction.
The Revolut withdrawal count limit is the sneaky one. If you make frequent small ATM withdrawals — say S$50 at a time across six stops on a trip — you could hit the five-withdrawal cap even though you’ve barely touched the S$350 amount limit. Each withdrawal after the fifth costs at least S$1.49.
For frequent cash users, YouTrip is the cleaner option. The S$400 monthly free limit and simple 2% overage fee are easy to plan around. Revolut’s dual-limit structure (amount AND count) requires more attention.
Features and Extras: Where Revolut Pulls Ahead
If you’re comparing the two purely on overseas card spending, YouTrip is the simpler winner. But Revolut is much more than a travel card.
| Feature | YouTrip | Revolut (Standard) |
|---|---|---|
| International money transfers | ❌ Not available | ✅ Yes (fees apply) |
| Currency lock-in | ✅ 12 currencies | ✅ 36+ currencies |
| Virtual card | ✅ Yes | ✅ Yes |
| Stock / crypto trading | ❌ No | ✅ Yes |
| Savings / Pockets | ❌ No | ✅ Savings Vaults |
| Travel insurance (built-in) | ❌ No | ❌ No (Premium only) |
| Business card version | ✅ YouTrip Business | ✅ Revolut Business |
Source: YouTrip and Revolut Singapore product pages · Data as at Sep 2026
Revolut’s broader ecosystem includes the ability to send money overseas, hold and trade crypto, set up savings vaults, and even trade US stocks. For someone who wants a single app for most of their financial needs, Revolut offers far more.
YouTrip is focused. It does travel spending very well and doesn’t try to be everything. If you already use another app for transfers (like Wise — read our Wise vs YouTrip comparison), YouTrip as a standalone travel card is a compelling option.
Which Card Should You Use?
Here’s the honest breakdown by use case:
Choose YouTrip if you:
- Mostly travel on weekends (Revolut’s 1% weekend FX fee adds up)
- Make frequent small ATM withdrawals overseas
- Want simplicity — top up, spend, done
- Spend under S$400/month on overseas ATM cash
- Don’t need to send money internationally
Choose Revolut if you:
- Mostly travel on weekdays or rarely exchange money on weekends
- Want stock trading, crypto, or savings features in one app
- Need to send money to overseas accounts (Revolut has transfer capabilities)
- Plan to upgrade to Premium for better ATM limits and travel insurance
- Hold 12+ currencies and want more flexibility
Use both: Many Singaporeans carry both cards. YouTrip for pure spending at stores abroad, Revolut for its transfer and investment features. Both have no annual fee, so there’s no cost to holding both.
For a full three-way comparison that also includes Wise, check out the best multi-currency card Singapore guide.
Frequently Asked Questions
Is Revolut or YouTrip better for overseas spending in Singapore?
Does Revolut charge FX fees in Singapore?
Can I use both Revolut and YouTrip in Singapore?
Does YouTrip or Revolut have a better ATM withdrawal limit?
Is there a referral bonus for YouTrip or Revolut in Singapore?
Which card is better for travelling to Japan, Europe, or Southeast Asia?
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Fee structures are subject to change — always verify current rates on the official Revolut and YouTrip websites before making decisions. Data as at September 2026.
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.
