YouTrip Singapore: Complete Guide to the Travel Card (2026)

Zero FX markup · 12 currency wallets · Free ATM up to S$400/month

YouTrip is Singapore’s leading multi-currency travel card, issued on the Mastercard network with zero foreign exchange markup. You hold up to 12 currencies in-app and spend in over 150 countries at the interbank wholesale rate — the same rate banks trade among themselves — with no annual fee and a one-time S$5 card issuance fee.

Not financial advice. All figures are for educational reference only. Data verified as at September 2026.

TL;DR — YouTrip at a glance:

FX fee: 0% on 12 currencies (Mastercard wholesale rate)
Card fee: One-time S$5 (no annual fee)
ATM: Free overseas withdrawals up to S$400/month; 2% above that
Wallet limit: S$20,000; Annual top-up cap: S$100,000
Top-up: Free via PayNow, eGIRO, Mastercard debit; 1.5% via Visa credit
Best for: Frequent travellers, overseas online shoppers, people holding multiple currencies

What Is YouTrip?

YouTrip is a Singapore-based multi-currency e-wallet and prepaid Mastercard, launched in 2019 by YouTrip Pte Ltd. Unlike traditional bank travel cards that charge 1.5–3.5% in foreign exchange markups, YouTrip passes the interbank Mastercard wholesale rate directly to cardholders with no additional spread on 12 supported currencies.

The card is regulated by the Monetary Authority of Singapore (MAS) under the Payment Services Act as a Major Payment Institution. Funds in the YouTrip wallet are held in trust and safeguarded separately from YouTrip’s operating money.

If you are looking to earn referral rewards, check the YouTrip referral code and sign-up bonus page before signing up.

YouTrip Fees and Charges

Fee Type	Amount	Notes
Card issuance	S$5 (one-time)	No annual fee after that
FX markup (12 currencies)	0%	Mastercard interbank rate
FX on other currencies	~1.5%	Converted via SGD at prevailing rate
Overseas ATM up to S$400/month	Free	Subject to local ATM operator fees
Overseas ATM above S$400/month	2% of excess	Above the free threshold
Top-up via PayNow or eGIRO	Free	Instant for PayNow
Top-up via Mastercard debit	Free	Bank-dependent transfer timing
Top-up via Visa credit or debit	1.5%	Fee charged by card network
Inactivity fee	S$3/month	After 12 months of zero transactions
Card replacement	S$5	If lost, stolen or expired

Wallet Limits and Annual Cap

Single wallet limit: S$20,000 across all currencies combined
Annual top-up limit: S$100,000 per calendar year
Minimum top-up: S$20 per transaction
Maximum single top-up: S$5,000 per transaction via PayNow

The S$3/month inactivity fee applies after 12 consecutive months with no transactions. To avoid it, make any transaction once every 12 months.

How to Top Up YouTrip

PayNow (Free, Instant): Link your NRIC/FIN or mobile number to your bank’s PayNow and transfer directly. Reflects in seconds.
eGIRO (Free, 1-2 business days): Link your DBS/POSB, OCBC, UOB, or other supported bank account for direct debit.
Mastercard Debit (Free): Top up using your bank’s Mastercard debit card. Usually same day.
Visa Credit or Debit (1.5% fee): Works with Visa-branded cards. Incurs a 1.5% card network fee.

Practical tip: Use PayNow as your default top-up method. It is free, instant, and available from virtually every Singapore bank app.

Supported Currencies (12 In-Wallet)

Currency	Code	Key Countries
US Dollar	USD	United States, online shopping
Euro	EUR	EU countries
British Pound	GBP	United Kingdom
Australian Dollar	AUD	Australia
Japanese Yen	JPY	Japan
Swiss Franc	CHF	Switzerland
Hong Kong Dollar	HKD	Hong Kong
Canadian Dollar	CAD	Canada
New Zealand Dollar	NZD	New Zealand
Swedish Krona	SEK	Sweden
Danish Krone	DKK	Denmark
Norwegian Krone	NOK	Norway

For currencies outside the 12 above such as Thai Baht, Malaysian Ringgit, or Indonesian Rupiah, your YouTrip card still works everywhere Mastercard is accepted, but the conversion goes via SGD at approximately 1.5% above interbank rate.

How to Apply for YouTrip Singapore

Download the YouTrip app from the App Store (iOS) or Google Play (Android).
Sign up with your mobile number and email address.
Verify your identity using SingPass MyInfo (fastest) or by manually uploading your NRIC, FIN, or passport.
Pay the S$5 card issuance fee via PayNow or credit/debit card within the app.
Wait for your card — standard delivery takes 3-5 business days to your Singapore address.
Activate your card in-app when it arrives, top up, and start spending.

Eligibility: You must be at least 16 years old and have a valid Singapore address. Both Singapore citizens/PRs and foreigners with valid Singapore passes can apply.

Before you sign up, check our YouTrip referral code and sign-up bonus page for the latest promotions.

YouTrip vs Wise vs Revolut: Which Should You Use?

YouTrip vs Wise vs Revolut savings comparison

Feature	YouTrip	Wise	Revolut (Standard)
FX markup on major currencies	0%	~0.4-0.6%	0% within monthly limit
Annual fee	None	None	None (standard plan)
Card issuance fee	S$5	~S$14	Free (standard)
Free ATM limit per month	S$400	~S$350	~S$350
In-wallet currencies	12	40+	30+
Weekend FX surcharge	None	None	0.5-1.0%
Wallet limit	S$20,000	No cap	No cap
Regulated by	MAS (SG)	FCA (UK)	FCA / BoL (EU)

Our verdict: For pure FX savings on the 12 supported currencies with no monthly limits and no weekend surcharges, YouTrip wins outright. Wise is better if you need to hold 40+ currencies. Revolut is a better all-rounder for additional features but has a weekend FX surcharge on the free plan.

YouTrip Pros and Cons

Pros	Cons
Zero FX markup on 12 currencies — save 2-3.5% vs bank cards	Only 12 in-wallet currencies (vs 40+ for Wise)
No annual fee — only S$5 one-time card fee	No weekend FX protection (rates move overnight)
MAS-regulated (Singapore-domiciled)	S$20,000 wallet limit (low for business travellers)
Free ATM withdrawals up to S$400/month overseas	No interest on wallet balance
Simple app — easy for first-time users	S$3/month inactivity fee after 12 months of no transactions
Works in 150+ countries via Mastercard network	1.5% fee if topping up via Visa credit card

Frequently Asked Questions

Is YouTrip safe to use in Singapore?

YouTrip is regulated by the Monetary Authority of Singapore (MAS) as a Major Payment Institution under the Payment Services Act 2019. Your funds are held in segregated trust accounts — kept separate from YouTrip’s own operating funds. YouTrip is not covered by the Singapore Deposit Insurance Corporation (SDIC) scheme, but MAS safeguarding requirements provide meaningful protection. The card uses Mastercard security infrastructure including EMV chip technology and 3D Secure for online transactions.

Can foreigners apply for YouTrip Singapore?

Yes, foreigners with valid Singapore passes can apply for YouTrip. This includes Employment Pass holders, S Pass holders, student pass holders, long-term visit pass holders, and dependant pass holders. You will need a Singapore residential address for card delivery and a valid identification document. SingPass MyInfo verification is the fastest option; manual identity verification is also available.

What happens to my YouTrip wallet money if YouTrip shuts down?

Under MAS rules, YouTrip is required to hold all customer e-money in a segregated trust account with an approved bank. Your wallet balance is legally separate from YouTrip’s own business funds. In the event of insolvency, funds in the trust account should be returned to customers ahead of other creditors. This is not a bank deposit and is not covered by SDIC, so there is some residual risk. Most financial advisors suggest keeping only funds you intend to spend in the near term in any e-wallet.

Does YouTrip work in Malaysia, Thailand, and Indonesia?

Yes — YouTrip works in any country that accepts Mastercard, including Malaysia, Thailand, and Indonesia. However, Malaysian Ringgit, Thai Baht, and Indonesian Rupiah are not among the 12 in-wallet currencies. Transactions in these currencies are processed via SGD at the standard Mastercard exchange rate, approximately 1.5% above interbank rate. This is still significantly cheaper than most bank cards charging 2.5-3.5% in FX fees.

Can I use YouTrip for online shopping in foreign currencies?

Yes, and this is one of YouTrip’s most popular use cases. Many Singaporeans use YouTrip for online purchases on US sites (Amazon.com, Nike.com), UK sites, Japanese platforms, and Korean shopping apps. As long as the merchant accepts Mastercard, YouTrip will work. For the 12 supported currencies, you get the interbank rate with 0% markup — a significant saving on large online purchases.

What is the YouTrip referral code and how does it work?

YouTrip periodically runs referral promotions where both the referrer and the new sign-up receive a bonus (typically S$5-S$10 in wallet credit) after the new user’s first qualifying transaction. To get the latest referral code and bonus amount, check our YouTrip referral code page — we update it whenever YouTrip changes the promotion. Enter the referral code during sign-up in the app.