YouTrip Referral Code Singapore 2026: Sign Up Bonus & Complete Review
Use our YouTrip referral link to get a S$5 sign-up bonus on your first top-up. Zero FX fees, wholesale exchange rates, and 150+ currencies — the best multi-currency travel wallet in Singapore.
Last updated: May 2026 · Not financial advice
YouTrip is Singapore’s most popular multi-currency travel wallet — and for good reason. With zero foreign exchange fees, real-time wholesale rates, and a prepaid Mastercard accepted in 150+ countries, it’s the go-to card for Singaporean travellers.
Sign up using our referral link below and complete your first top-up to receive a free S$5 bonus credited directly to your YouTrip wallet.
🎉 Get S$5 Free — Sign Up & Top Up Any Amount
New YouTrip users who sign up via our referral link and complete their first top-up (any amount) receive S$5 credited instantly to their YouTrip wallet. No minimum spend required.
Referral link: Sign up for YouTrip here →
No referral code needed — bonus is applied automatically via the link above.
Table of Contents
YouTrip Referral Link: How to Get S$5 Free
YouTrip does not use referral codes — instead, you sign up via a referral link. When you use our link below and complete your first top-up of any amount, you’ll receive S$5 credited to your YouTrip wallet automatically.
The referrer also receives S$5, plus a one-time S$50 bonus after 10 successful referrals — but the important part for you is the free S$5 on sign-up.
What Is YouTrip Singapore
YouTrip is a multi-currency mobile wallet and prepaid Mastercard launched in Singapore in 2018. Backed by a Monetary Authority of Singapore (MAS) licence, it lets you spend in over 150 countries with zero foreign exchange markup — using wholesale exchange rates that are typically 2–4% cheaper than what banks charge.
Unlike traditional credit cards that add a 2.5–3.5% cross-border fee, YouTrip passes the wholesale rate directly to you. You can also lock in exchange rates for 12 popular currencies in-app, giving you full control over your travel spending.
As of 2026, YouTrip has over 2 million users in Singapore and has processed billions in multi-currency transactions. The company raised US$50 million in Series A funding led by Lightspeed Venture Partners in 2023.
YouTrip Features & Benefits
Here’s what makes YouTrip stand out as a travel wallet for Singaporean travellers:
- Zero FX fees: No foreign exchange markup on any currency — you get wholesale rates on every transaction in 150+ countries.
- 12 currency wallets: Lock in rates for SGD, USD, EUR, GBP, JPY, AUD, MYR, THB, HKD, CHF, NZD, and SEK directly in the app.
- Prepaid Mastercard: Physical and virtual card accepted at 80+ million Mastercard merchants worldwide.
- Free ATM withdrawals: Withdraw up to S$400/month from overseas ATMs with no fees (2% charge beyond S$400).
- Instant top-up: Add funds via bank transfer, PayNow, or credit/debit card (1.5% fee for Visa credit cards).
- No annual fees: No application fee, no annual fee, no minimum balance — completely free to hold.
- Real-time notifications: Get instant push notifications for every transaction with the exact exchange rate applied.
- Apple Pay & Google Pay: Tap to pay with your phone overseas — no need to carry the physical card.
How to Sign Up for YouTrip with Referral Link
Signing up for YouTrip takes about 5 minutes. Here’s the step-by-step process:
- Click our referral link: Sign up for YouTrip here.
- Download the app: You’ll be redirected to the App Store (iOS) or Google Play (Android).
- Register your account: Enter your mobile number, verify your identity with NRIC/passport, and set up your account.
- Top up your wallet: Add any amount via PayNow, bank transfer, or debit card.
- Receive S$5 bonus: Your S$5 referral bonus is credited instantly after your first top-up.
- Receive your card: Your physical YouTrip Mastercard arrives within 3–5 business days. You can start using the virtual card immediately via Apple Pay or Google Pay.
YouTrip Fees & Limits
| Fee / Limit | Details |
|---|---|
| Annual fee | S$0 (free) |
| FX markup | 0% — wholesale rates |
| ATM withdrawal | Free up to S$400/month, then 2% |
| Credit card top-up | 1.5% (Visa credit cards only) |
| PayNow / bank transfer top-up | Free |
| Max wallet balance | S$20,000 |
| Transaction limit | S$5,000 per transaction |
| Card replacement | S$5 |
YouTrip vs Revolut vs Wise — Comparison
Here’s how YouTrip stacks up against the two other major multi-currency cards available in Singapore:
| Feature | YouTrip | Revolut | Wise |
|---|---|---|---|
| FX markup | 0% | 0% (Standard plan, weekday) | 0.4–0.6% |
| Currencies supported | 150+ (12 wallets) | 36 wallets | 50+ wallets |
| Monthly fee | Free | Free (Standard) / S$12.99+ (paid) | Free |
| Free ATM withdrawal | S$400/month | S$350/month (Standard) | S$350/month |
| Card network | Mastercard | Visa | Visa / Mastercard |
| Apple/Google Pay | Yes | Yes | Yes |
| Best for | Travel spending | Multi-purpose (stocks, crypto) | International transfers |
For pure travel spending, YouTrip offers the best combination of zero FX fees and simplicity. Revolut offers a wider range of financial products (stocks, crypto), while Wise is stronger for large international transfers. Most Singaporean travellers keep YouTrip as their primary travel card and Wise/Revolut as a secondary.
Current YouTrip Promotions (May 2026)
- S$5 sign-up bonus: New users who sign up via our referral link and complete their first top-up receive S$5 free.
- Referral rewards: Refer friends and earn S$5 per successful referral, plus a one-time S$50 bonus after 10 referrals.
- YouTrip x merchant deals: Check the YouTrip app for ongoing travel and dining deals exclusive to cardholders.
YouTrip regularly partners with airlines, hotels, and F&B brands for exclusive cashback and discount deals. Keep the app updated for the latest promotions.
More Referral Deals & Guides
Maximise your savings with these other referral codes and guides from The Kopi Notes:
- YouTrip Business Referral Code — S$50 bonus for SMEs
- Endowus Referral Code — S$20 fee credit for investing
- Syfe Referral Code — up to S$50 bonus cash
- FSMOne Referral Code: P0544985 — cheapest CDP broker
- MariBank Referral Code — 2.88% p.a. savings
- Google Pay Referral Code — S$3 bonus
- Best S-REITs Singapore 2026
- Free Financial Calculators
Frequently Asked Questions
What is the YouTrip referral code for Singapore 2026?
YouTrip does not use referral codes — instead, you sign up via a referral link. Use our link at youtrip.onelink.me/3xWB/8lk3y3x7 and complete your first top-up to receive S$5 free in your YouTrip wallet.
How much is the YouTrip sign-up bonus?
New users receive S$5 credited to their YouTrip wallet after completing their first top-up of any amount. The bonus is credited instantly after the top-up.
Does YouTrip charge foreign exchange fees?
No. YouTrip charges zero FX markup on all overseas transactions. You get the wholesale exchange rate — the same interbank rate you see on Google or XE.com, with a marginal difference of approximately 0.1% on average. This is typically 2–4% cheaper than traditional credit cards.
Is YouTrip safe? Is it regulated in Singapore?
Yes. YouTrip holds a Major Payment Institution licence from the Monetary Authority of Singapore (MAS). Customer funds are safeguarded in a trust account with a licensed bank, separate from YouTrip’s operational funds. The company also uses bank-grade encryption and two-factor authentication.
What currencies does YouTrip support?
YouTrip supports spending in 150+ currencies worldwide. You can lock in exchange rates for 12 popular currencies directly in the app: SGD, USD, EUR, GBP, JPY, AUD, MYR, THB, HKD, CHF, NZD, and SEK. For other currencies, the wholesale rate is applied at the point of transaction.
Can I use YouTrip with Apple Pay or Google Pay?
Yes. YouTrip supports both Apple Pay and Google Pay in Singapore. You can add your YouTrip card to your mobile wallet and tap to pay overseas without carrying the physical card.
How is YouTrip different from Revolut and Wise?
YouTrip offers zero FX markup on all currencies with no monthly fee — making it the cheapest option for pure travel spending. Revolut offers similar rates on its free plan but adds a weekend markup; it also offers stocks and crypto. Wise is best for large international bank transfers rather than daily card spending. For Singaporean travellers, YouTrip is the most straightforward travel card.
Ready to Save on FX Fees?
Sign up for YouTrip with our referral link and get S$5 free on your first top-up. Zero FX fees, wholesale rates, 150+ currencies.
This page contains referral links. The Kopi Notes may receive a referral reward at no extra cost to you. This is not financial advice. All information is accurate as at May 2026.