{"id":50845,"date":"2026-07-15T09:01:41","date_gmt":"2026-07-15T09:01:41","guid":{"rendered":"https:\/\/www.you.co\/biz\/?p=50845"},"modified":"2026-07-23T05:40:43","modified_gmt":"2026-07-23T05:40:43","slug":"revolut-business-vs-youbiz","status":"publish","type":"post","link":"https:\/\/www.you.co\/biz\/blog\/revolut-business-vs-youbiz\/","title":{"rendered":"Revolut Business vs YouBiz for Singapore SMEs (2026)"},"content":{"rendered":"\n

A side-by-side look at two multi-currency accounts for cross-border SME spend<\/strong><\/h2>\n\n\n\n
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Revolut Business and YouBiz both promise a Singapore SME the same thing: hold, spend, and send in multiple currencies without the FX margins a bank charges. Both give your company a multi-currency account, corporate cards, and expense controls in one app.<\/p>\n\n\n\n

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The split shows up in what your company pays and what it’s optimising for. YouBiz is S$0\/month<\/strong> with every feature included<\/strong>, and it pays unlimited 1% cashback<\/strong> on eligible spends.<\/p>\n\n\n\n

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Revolut Business runs on plan tiers<\/strong>, from a free Basic plan up to the Enterprise plan. Each tier caps how much currency the company can exchange for free<\/strong> and how many transfers<\/strong> it gets, and its cards earn no cashback<\/strong>.<\/p>\n\n\n\n

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If your company’s money leaves the account as SaaS subscriptions, cloud invoices, ad spend, and the odd overseas supplier payment, both beat a bank. Which one keeps more of it comes down to how much the company spends abroad, how many currencies it holds, and whether you want cashback on all of it.<\/p>\n\n\n\n

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Revolut Business vs YouBiz at a Glance<\/strong> <\/a><\/h2>\n\n\n\n
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Feature<\/strong><\/th>YouBiz<\/strong><\/th>Revolut Business<\/strong><\/th><\/tr><\/thead>
Monthly fee<\/strong><\/td>S$0\/month, all features included<\/td>Basic plan free; Grow plan S$15\/month; Scale plan S$84\/month; Enterprise plan from S$417\/month (annual billing; monthly billing costs more)<\/td><\/tr>
Unlimited 1% cashback<\/strong><\/td>Yes, on eligible spends, no minimum, no cap<\/td>No cashback on spend (business “rewards” are partner discounts)<\/td><\/tr>
Card FX<\/strong><\/td>Real 0% FX at wholesale rates, 150+ currencies, no monthly cap<\/td>Interbank rate within each plan’s monthly fee-free allowance (around S$1,500 on the Basic plan to S$250,000 on the Enterprise plan), on weekdays; 0.6% above the allowance; plus 1% on weekend exchanges<\/td><\/tr>
Cards included<\/strong><\/td>Up to 100, free<\/td>First physical card per employee free, extra physical from S$4.99; virtual cards free<\/td><\/tr>
Team \/ spend users<\/strong><\/td>Unlimited<\/td>Unlimited<\/td><\/tr>
Currencies held<\/strong><\/td>8<\/td>25+<\/td><\/tr>
Approvals & expense controls<\/strong><\/td>Included free<\/td>Manager approvals and analytics gated above the free Basic plan<\/td><\/tr>
Card network<\/strong><\/td>Mastercard<\/td>Visa \/ Mastercard<\/td><\/tr>
Regulation<\/strong><\/td>MAS major payment institution; Mastercard Principal Member<\/td>MAS major payment institution<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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Revolut Business pricing and fees per Revolut’s Singapore pricing pages (July 2026).<\/em><\/p>\n\n\n\n

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For businesses that spend overseas regularly, competitive FX rates and cashback can deliver far greater savings than a low monthly fee. A limited fee-free FX allowance means you’ll hit conversion fees sooner, and a card without cashback means missing out on up to 1% back on every overseas purchase.<\/p>\n\n\n\n

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YouBiz gives you the full feature set<\/a>, real 0% FX, and 1% cashback for free.<\/p>\n\n\n\n

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Table of Contents<\/strong><\/h2>\n\n\n\n
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  1. Revolut Business vs YouBiz at a Glance<\/strong><\/a><\/li>\n\n\n\n
  2. What Is YouBiz?<\/strong><\/a><\/li>\n\n\n\n
  3. What Is Revolut Business, and What Is It Used For?<\/strong><\/a><\/li>\n\n\n\n
  4. Pricing: What You Actually Pay<\/strong><\/a><\/li>\n\n\n\n
  5. Cashback: Revolut Business vs YouBiz<\/strong><\/a><\/li>\n\n\n\n
  6. FX Fees and Overseas Spend<\/strong><\/a><\/li>\n\n\n\n
  7. Cards, Currencies and Team Controls<\/strong><\/a><\/li>\n\n\n\n
  8. Transfers, Payments and Getting Set Up<\/strong><\/a><\/li>\n\n\n\n
  9. Advantages and Disadvantages of a Revolut Business Account<\/strong><\/a><\/li>\n\n\n\n
  10. Which Is Right for Your Business?<\/strong><\/a><\/li>\n\n\n\n
  11. FAQs<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n
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    What Is YouBiz?<\/strong><\/h2>\n\n\n\n
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    \"YouBiz<\/figure>\n\n\n\n
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    YouBiz is the multi-currency business account from YouTrip (Singapore’s most-used travel wallet). It does one job well: cross-border business spend without the fees.<\/strong><\/p>\n\n\n\n

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    Your company gets a multi-currency account across 8 currencies<\/strong>, free physical and virtual Mastercard corporate cards<\/a><\/strong> that spend across 150+ currencies at real 0% FX<\/strong>, and unlimited 1% cashback<\/strong> on eligible spends, all at S$0\/month<\/strong>.<\/p>\n\n\n\n

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    YouBiz is a Principal Member of Mastercard and a MAS-licensed major payment institution, so your funds are safeguarded under the Payment Services Act. It’s a focused spend-and-expense account: corporate cards, spend controls, and overseas payments, with nothing to upgrade to. More than 10,000 finance teams in Singapore now run their company spends on it.<\/p>\n\n\n\n

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    What Is Revolut Business, and What Is It Used For?<\/strong><\/h2>\n\n\n\n
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    \"Revolut<\/figure>\n\n\n\n

    Image Credits: Revolut<\/em><\/p>\n\n\n\n

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    Revolut Business is the company account from Revolut, the fintech founded in London in 2015 and now used by businesses across the UK, Europe, the US, and, more recently, Singapore.<\/p>\n\n\n\n

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    SMEs use it for multi-currency accounts, corporate cards, international transfers, expense management, and bill pay. In Singapore, Revolut operates through Revolut Technologies Singapore, an MAS-licensed major payment institution that safeguards customer money in trust accounts with local banks.<\/p>\n\n\n\n

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    Its business account holds 25+ currencies<\/strong>, its cards spend in 150+<\/strong>, and it sells the Basic, Grow, Scale, and Enterprise plans ranging from S$0 to S$417\/month<\/strong>. It’s a broad platform that scales from freelancers up to larger firms running global operations.<\/p>\n\n\n\n

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    Pricing: What You Actually Pay<\/strong><\/h2>\n\n\n\n
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    YouBiz is S$0\/month.<\/strong> Every feature comes on the free account: up to 100 corporate cards, unlimited team members, multi-condition approvals, merchant-category (MCC) locks, and real-time expense tracking<\/a>. There’s no premium tier, because nothing is held back.<\/p>\n\n\n\n

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    Revolut Business charges in tiers<\/strong> (prices below are the monthly equivalent on annual billing; paying monthly costs a little more):<\/p>\n\n\n\n

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