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Find the card that's right for you 🔎 The post YouTrip vs Wise 2026: Which Multi-Currency Card Is Best for Singaporean Travellers? appeared first on YouTrip SingaporeFind the card that's right for you 🔎 The post YouTrip vs Wise 2026: Which Multi-Currency Card Is Best for Singaporean Travellers? appeared first on YouTrip Singapore

YouTrip vs Wise 2026: Which Multi-Currency Card Is Best for Singaporean Travellers?

Author: You

Source: You

2026/01/28 17:24

8 min read

Looking for the best multi-currency card for your next adventure abroad?

Choosing the right card can save you hundreds in fees and give you the best exchange rates. In Singapore, two of the most popular options are YouTrip and Wise. But how do they compare when it comes to overseas spending, transfers, and rates?

This YouTrip vs Wise guide will break down everything you need to know — features, fees, exchange rates, pros and cons—so you can make the smartest choice for your travels.

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TL;DR: YouTrip vs Wise at a Glance

Feature	YouTrip	Wise
Exchange Rate	Wholesale exchange rate	Mid-market rate
Currencies Available	Hold 12 currencies; spend in 150+ countries	Hold 40+ currencies; spend in 160+ countries
Card Order Fee	Free delivery	S$8.50
Annual Fee	None	None
Currency Conversion Fee	None	From 0.26% *Fee varies by currency
Overseas ATM Withdrawal Fees	S$400 free/month *2% fee applies thereafter	Up to S$350/month 2 or less withdrawals: Free 3 or more withdrawals: S$1.50 per withdrawal More than S$350/month 2 or less withdrawals: 1.75% fee 3 or more withdrawals: S$1.50 + 1.75% fee
Sending Money Overseas	Variable fee shown in-app	Variable fee from 0.26%
Bank Withdrawals	10 free bank withdrawals/month For more than 10 bank withdrawals: Request for a refund (S$10 processing fee)	Same currency transfers: Often free Different currency transfer: Fee varies based on currency
Top-up Fees	Mastercard Credit & Debit, Visa Debit Card, PayNow: No fees Linked Bank Account (eGIRO): No fees Visa Credit Card: 1.5% service fee	PayNow: No fees Bank transfer: No fees Debit Card, Apple Pay, Linked bank account (eGIRO): Varies by amount from S$0.20
External e-Wallet Top-Up Fee	Free	2%*
Limits	Top-up: S$20,000 Annual spending: S$100,000	Top-up: S$20,000 Annual spending: S$100,000

*A 2% fee applies to transactions that include topping up e-wallets and other accounts in certain currencies.

Quick Verdict:

Wise: Best for those prioritising international money transfers with multiple wallet currencies.
YouTrip: Best for Singaporean travellers wanting zero fees, competitive exchange rates, and hassle-free overseas spending.

What is YouTrip?
What is Wise?
Exchange Rate Comparison
Detailed Fees Comparison
YouTrip Pros & Cons
Wise Pros & Cons
Verdict: YouTrip vs Wise
FAQs

What is YouTrip?

YouTrip is a Singapore-based multi-currency travel wallet with a prepaid Mastercard that allows you to lock in 12 popular currencies in-app and spend in over 150 countries with zero fees.

Key Features (2026):

Multi-currency wallet with competitive exchange rates
No foreign transaction or currency conversion fees
Free overseas ATM withdrawals up to S$400/month
Send money overseas to 40+ countries via DuitNow, GCash, and UPI
Wallet top-up limit: S$20,000, annual spending limit: S$100,000

Best For: Frequent travellers looking to save on fees and get the best rates abroad.

Related guides: Here’s Everything You Need to Know About YouTrip

What is Wise?

Image Credits: Wise

Wise, formerly TransferWise, is a global money transfer service offering low-cost international transfers and a multi-currency account with a debit Mastercard.

Key Features (2026):

Supports 40 wallet currencies
Pay in 160+ countries
Fair exchange rates (slightly higher fees than YouTrip)
Annual fee: S$0, currency conversion fees apply
Wallet top-up limit: S$20,000; annual spending limit: S$100,000

Best For: Users who frequently send money overseas and need multiple wallet currencies.

Related guides: Wise Card Singapore Guide: Fees, Limits, Exchange Rates

YouTrip vs Wise: Exchange Rate Comparison

Getting the best exchange rate is crucial for Singaporean travellers. Here’s how the two cards stack up for popular currencies:

Currency	YouTrip Rate	Wise Rate
JPY	121.10 JPY	120.80 JPY
MYR	3.106 MYR	3.098 MYR
THB	24.60 THB	24.48 THB
USA	0.7930 USD	0.7911 USD
EUR	0.6618 EUR	0.6604 EUR
AUD	1.134 AUD	1.131 AUD
HKD	6.188 HKD	6.173 HKD

*Rates taken as of 28 Jan 2026

Takeaway: YouTrip consistently offers slightly better exchange rates for common travel currencies, making it ideal for Singaporean travellers who want to maximise their spending power abroad.

Related guides: YouTrip Exchange Rates: Everything You Need to Know

YouTrip vs Wise: Detailed Fees Comparison

Fee Type	YouTrip	Wise	Notes
Annual Fee	S$0	S$0	Both cards are free to hold.
Currency Conversion Fees	0%	From 0.26%, depending on currency	Wise charges a small FX fee when converting currencies.
Top-Up Fees	Mastercard debit & credit, Visa debit, PayNow, eGIRO: No fees Visa credit: 1.5%	PayNow: No fees Bank transfer: No fees Debit Card, Apple Pay, Linked bank account (eGIRO): Varies by amount from S$0.20	YouTrip is more generous with zero fees for most top-ups.
Overseas ATM Withdrawal	S$400 free/month, 2% fee thereafter	2 free withdrawals/month, 1.75% fee thereafter	YouTrip allows more free withdrawals for frequent travellers.
Sending Money Overseas	Variable by currency, generally lower fees	From 0.26%, depending on currency	YouTrip recently launched remittance to 40+ countries with competitive rates.

Related guides: Wise Vs Revolut: Which Is Better for Singaporeans?

YouTrip Pros & Cons:

Pros:

Zero foreign transaction fees: Great for travellers who spend overseas often.
Competitive exchange rates: Rates are often better than Wise
Higher free ATM withdrawals: Up to S$400/month with no extra fees until the limit is exceeded.
Low top-up fees: Most top-up methods including Mastercard debit & credit, Visa debit, PayNow, and eGIRO have no fees.
Send money overseas: Transfer funds to 40+ countries with competitive rates and no hidden fees.

Cons:

Limited wallet currencies: Supports 12 currencies, fewer than Wise’s 40+.
Some minor app limitations – Lacks certain features like bill pay.

Related guides: Money Changer Near Me: 14 Best Money Changers In Singapore

Wise Pros & Cons:

Pros:

Supports 40 currencies: Ideal for holding multiple currencies.
Transparent, low fees: International transfers with clear pricing.
No annual fees: Free to use with no hidden charges.
Send money overseas: Efficient transfers to 40+ countries.

Cons:

Currency conversion fees apply: Starting from 0.26%, depending on the currency.
Top-up fees can add up: Up to 0.43% for debit/credit cards and 2% for e-wallets.
Lower free ATM withdrawals: S$350/month or 2 withdrawals; 1.75% fee applies thereafter.
Slightly less favourable exchange rates – YouTrip often beats Wise

Related guides: Best Multi-Currency Cards In Singapore: A Full Comparison Guide

Verdict: YouTrip vs Wise

Choosing between YouTrip and Wise ultimately depends on your travel and money management priorities.

YouTrip is ideal for Singaporean travellers who want zero foreign transaction fees and currency conversion fees, competitive exchange rates, and hassle-free overseas spending.
Wise, on the other hand, is better suited for users who prioritise low-cost international transfers for multiple currencies.

Both cards have their strengths, so the best choice comes down to how you plan to use your money abroad.

Related guides: Trust Card Vs YouTrip: Which Is The Better Card For Overseas Spending?

Find the Card That’s Right for You

Choose the card that fits your travel style — whether you want the best exchange rates or zero fees abroad.

Don’t stop there — check out our YouTrip Perks page for exclusive deals, and join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more insider perks.

Bon voyage and happy travels!

sign up now!

FAQs

1. What is YouTrip?
YouTrip is a Singapore-based multi-currency wallet that lets you lock in 12 popular currencies and spend abroad with zero fees.

2. What is Wise?
Wise is a global money transfer service with a multi-currency account, supporting 40 currencies and payments in 160+ countries.

3. Which card has better exchange rates?
YouTrip generally offers slightly better rates for popular travel currencies like JPY, MYR, THB, USD, and EUR.

4. Are there any fees with YouTrip?
No foreign transaction fees, no annual fees, and most top-ups are free. ATM withdrawals are free up to S$400/month.

5. Are there any fees with Wise?
Currency conversion fees start from 0.26%, top-up fees range 0.43%–2%, and free ATM withdrawals are lower than those of YouTrip.

6. Which is better for sending money overseas?
Wise is designed for frequent international transfers, while YouTrip offers competitive rates for occasional transfers to 40+ countries.

7. Can I use YouTrip and Wise together?
Yes! Some travellers use YouTrip for spending abroad and Wise for money transfers and multi-currency management.

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