{"id":50527,"date":"2026-06-03T08:33:02","date_gmt":"2026-06-03T08:33:02","guid":{"rendered":"https:\/\/www.you.co\/biz\/?p=50527"},"modified":"2026-07-23T06:39:44","modified_gmt":"2026-07-23T06:39:44","slug":"youbiz-guide","status":"publish","type":"post","link":"https:\/\/www.you.co\/biz\/blog\/youbiz-guide\/","title":{"rendered":"YouBiz Singapore: Everything You Need to Know (2026)"},"content":{"rendered":"\n

A complete guide to YouBiz: the multi-currency business account for Singapore SMEs<\/strong><\/h2>\n\n\n\n
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YouBiz is the Singapore multi-currency business account built by YouTrip<\/a> and Mastercard for SMEs and founders who want to spend, hold, and exchange foreign currency without paying FX fees.<\/p>\n\n\n\n

It costs S$0\/month<\/strong>, offers unlimited 1% cashback<\/strong> on every eligible card spend, and uses real 0% FX fees<\/strong> at the Mastercard wholesale rate. Applying takes less than 5 minutes.<\/p>\n\n\n\n

If you already use the personal YouTrip card for travel, the confusion is fair: both are by YouTrip, both run on Mastercard, both eliminate FX fees overseas. The difference is who they’re built for. YouTrip is for your holiday in Tokyo. YouBiz is for your company’s Stripe charges, AWS invoices, and overseas supplier payments.<\/p>\n\n\n\n

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YouBiz at a Glance<\/strong><\/h2>\n\n\n\n
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Highlights<\/strong><\/th>Details<\/strong><\/th><\/tr><\/thead>
What it is<\/strong><\/td>Multi-currency business account + corporate card<\/td><\/tr>
Built by<\/strong><\/td>YouTrip and Mastercard<\/td><\/tr>
Monthly fee<\/strong><\/td>S$0<\/strong><\/td><\/tr>
FX fees<\/strong><\/td>0%<\/strong> at mid-market rate<\/td><\/tr>
Cashback<\/strong><\/td>Unlimited 1%<\/strong> on every eligible card spend, no cap<\/td><\/tr>
Card scheme<\/strong><\/td>Mastercard (virtual + physical)<\/td><\/tr>
Currencies<\/strong><\/td>8 currency wallets<\/strong> (hold, exchange, receive)<\/td><\/tr>
Top-up<\/strong><\/td>PayNow, FAST transfer<\/td><\/tr>
Eligible for<\/strong><\/td>Singapore-registered businesses<\/td><\/tr>
Regulated by<\/strong><\/td>MAS, under the Payment Services Act<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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For most Singapore businesses, the real cost of using a bank corporate card isn’t the annual fee. It’s the 2.5\u20133.5% FX markup<\/strong> baked into every overseas transaction, month after month. YouBiz is designed to remove that cost entirely. That’s why 10,000+ finance teams<\/strong> now use it to manage their cross-border business spend.<\/p>\n\n\n\n

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Table of Contents<\/strong><\/h2>\n\n\n\n
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    \n
  1. What Is YouBiz?<\/strong><\/a><\/li>\n\n\n\n
  2. How Does YouBiz Work?<\/strong><\/a><\/li>\n\n\n\n
  3. Is YouBiz a Credit or Debit Card?<\/strong><\/a><\/li>\n\n\n\n
  4. Who Can Sign Up for YouBiz?<\/strong><\/a><\/li>\n\n\n\n
  5. How to Top Up YouBiz<\/strong><\/a><\/li>\n\n\n\n
  6. YouBiz Fees and Pricing<\/strong><\/a><\/li>\n\n\n\n
  7. YouBiz vs YouTrip: Which One Do You Need?<\/strong><\/a><\/li>\n\n\n\n
  8. Pros and Cons of YouBiz<\/strong><\/a><\/li>\n\n\n\n
  9. YouBiz Login and Support<\/strong><\/a><\/li>\n\n\n\n
  10. FAQ<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n
    <\/div>\n\n\n\n

    What Is YouBiz?<\/strong><\/h2>\n\n\n\n
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    \"\"<\/figure>\n\n\n\n
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    YouBiz is a multi-currency business spend account for Singapore-registered companies, launched by YouTrip. It bundles a free business account, virtual and physical corporate Mastercard cards, multi-currency wallets, and cashback in a single app.<\/p>\n\n\n\n

    It’s built for businesses that need to pay overseas suppliers, issue corporate cards with built-in expense controls, and manage cross-border cashflow without the FX markups charged by traditional banks. The cards run on the Mastercard network and are accepted at over 80 million merchants worldwide<\/strong>.<\/p>\n\n\n\n

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    Is YouBiz a Bank?<\/strong><\/h3>\n\n\n\n
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    No. YouBiz is a licensed e-money issuer regulated by the Monetary Authority of Singapore (MAS), not a bank. Funds are held in safeguarded accounts, separated from YouBiz’s own operating funds, in line with MAS Payment Services Act requirements. This is a regulatory safeguarding framework, but it’s different from bank deposit insurance.<\/p>\n\n\n\n

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    Is YouBiz the Same as YouTrip?<\/strong><\/h3>\n\n\n\n
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    No. Same company, separate products: YouTrip is a personal travel wallet, while YouBiz is a business account for Singapore-registered companies. They run on separate apps, accounts, and cards, and you can use both at the same time. The YouBiz vs YouTrip<\/a> section below breaks down the differences side by side.<\/p>\n\n\n\n

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    How Does YouBiz Work?<\/strong><\/h2>\n\n\n\n
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    \"age\"<\/figure>\n\n\n\n
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    YouBiz works as a multi-currency wallet linked to a Mastercard corporate card. Your business can hold, exchange and spend in 8 currencies<\/strong> without paying FX fees on card transactions.<\/p>\n\n\n\n

    Every payment is processed through the relevant wallet currency for the merchant. If you don’t hold that currency, YouBiz automatically converts from your SGD wallet at the Mastercard wholesale rate.<\/p>\n\n\n\n

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    Step-by-Step Guide: How to Use YouBiz<\/strong><\/h3>\n\n\n\n
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    How to get started with YouBiz in 5 simple steps:

    <\/p>

    1. Open an account<\/strong><\/strong>

      Sign up online in under 5 minutes via Singpass. Applications are typically reviewed within 1\u20132 business days. Once approved, your virtual Mastercard is activated immediately in the app.<\/p> <\/li>

    2. Top up via PayNow or FAST.<\/strong><\/strong>

      Transfer funds from your existing business bank account using PayNow or FAST \u2014 both are free.<\/p> <\/li>

    3. Hold or exchange up to 8 supported currencies<\/strong><\/strong>

      Convert SGD into any of the 8 supported currencies in-app, or keep funds in SGD and let YouBiz auto-convert at the point of transaction.<\/p> <\/li>

    4. Spend with your card<\/strong><\/strong>

      Use your virtual or physical Mastercard for local payments, overseas purchases, or supplier invoices.<\/p> <\/li>

    5. Earn 1% cashback<\/strong><\/strong>

      Every eligible card spend earns 1% cashback, credited monthly by the 15th of the following month.<\/p> <\/li><\/ol><\/div>\n\n\n\n

      YouBiz combines a corporate card and multi-currency account in one stack, replacing the need for separate banking tools, and removing FX markups in the process.<\/p>\n\n\n\n

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      Is YouBiz a Credit or Debit Card?<\/strong><\/h2>\n\n\n\n
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      Neither. YouBiz is a prepaid corporate Mastercard.<\/strong> You top up your YouBiz account first, then spend directly from your available balance. There’s no credit line, no monthly statement, no interest, and no minimum income or revenue requirement to apply for the card.<\/p>\n\n\n\n

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      Why that matters:<\/p>\n\n\n\n