We’re clearing the air once and for all — starting with your burning questions about your YouTrip card. Keep tabs on this page for more handy tips and tricks, as well as solutions to problems you might have, to help you navigate your next vacation with ease.
By now you’re probably familiar with what we’re all about — your go-to multi-currency mobile wallet with stellar wholesale exchange rates that help you save on all that pesky bank and transaction fees. Great! Yet, as with all things, it usually takes some time to truly comprehend all the functions of any one person or item. And that’s why we’ve decided to start this running convo about your YouTrip card where we’ll be discussing the most-asked questions. So make sure to bookmark this page for the latest updates and answers. Ready? Let’s start!
Q: I can’t seem to find the South Korean Won icon on my YouTrip app dashboard to make the currency exchange. What should I do?
Can’t find the South Korean Won (KRW), Thai Baht (THB), or Malaysian Ringgit (MYR) on your app? Don’t worry, it’s not a glitch. The 10 currencies that you do see on the app, namely the SGD, USD, EUR, GBP, JPY, HKD, AUD, NZD, CHF, and SEK are simply the top most-traded currencies in the world. Therefore, it’s there for users to take advantage of real-time exchange rates — and lock it in for storage.
While that means that the remaining 140+ currencies, including the KRW, are not available for storage, you can still get to enjoy the same stellar wholesale exchange rates and zero bank fees when you spend with YouTrip in these currencies.
To see the rates before spending, use the Mastercard® Currency Converter and key in the following:
1. Select your foreign currency (eg. KRW)
2. Enter the amount
3. Enter 0 for ‘bank fee’
4. Select your home currency (SGD)
And just like that, you’re good to go!
TLDR; Simply top up sufficient Singapore Dollars (SGD) in your YouTrip mobile wallet and you’re ready to spend anywhere.
Q: There are fraudulent transactions being charged to my YouTrip card. What should I do?
Cards can get compromised through a bunch of ways such as phishing emails, card skimming devices, unsecured public wifi networks, and information leaks from merchants. These give others access to your card details and thus allow them to make fraudulent transactions with them.
What should I do right now?
Contact us immediately if you notice anything irregular, or need help with anything, by
(a) Messaging us through the app or
(b) Getting in touch via our brand new 24/7 email support (fraud-reporting@you.co)
How should I prevent this moving forward?
As a rule of thumb,
1. Always make sure that push notifications are enabled on your YouTrip app so that you are notified of all transactions performed on your card
2. Lock your card through the app when you’re not using it
3. Only use secure websites (look out for encryption and a lock on the address bar) when providing your card information to make purchases
4. Do not save your card information on e-commerce sites
5. Refrain from connecting to unsecured public wifi networks especially when overseas (Or use a VPN)
A Note About 3DS
Created by Visa and MasterCard, 3D Secure(3DS) is a technical standard that adds a layer of security to online credit and debit card transactions. However, even though YouTrip enables 3DS for all transactions — because not all merchants are 3DS registered — some transactions with unregistered merchants will go through non-3DS processing.
Due to the fact that not all overseas merchants are fully compliant, or as secure as the ones in Singapore, the current chances of encountering overseas fraud are high. But rest assured, we are doing all we can to actively prevent and detect fraud!
Q: Can I withdraw cash from local and overseas ATMs with my YouTrip card?
You cannot withdraw cash from local ATMs in Singapore. However, yes you can withdraw cash from overseas ATMs. And you’ll be glad to know that all withdrawals (in any of our 150+ currencies) will be processed at our wholesale exchange rate!
Here’s how:
(a) Look out for any overseas ATM that displays the Mastercard®, Maestro® and/or Cirrus® logos.
(b) Insert your YouTrip card
(c) Key in your YouTrip app’s four-digit login PIN as your ATM PIN
(d) Select “Savings account”
(e) Select the option to withdraw in the country’s local currency (e.g: KRW in South Korea) to avoid DCC charges for currency conversion
Just note that the first S$400 withdrawn in foreign currency is free, and a 2% fee applies thereafter. You’re also limited to S$5,000 per withdrawal.
Q: How do I top up my YouTrip card?

Using PayNow or your Mastercard or Visa credit or debit card.
How to top up with PayNow
(a) If you don’t have PayNow, register for PayNow through the Internet or mobile banking
(b) Once, you’re registered, get your one-time-use PayNow QR code from the top-up page on your YouTrip app (the QR code will be valid for five minutes)
(c) Upload your PayNow QR code to your banking app and confirm the transaction
How to top up with your Mastercard or Visa credit or debit card
(a) Tap ‘Top up’ on your home screen
(b) Select the drop-down arrow to add your card info
(c) Enter your credit or debit card’s info
Just note that there’s a 1.5% service fee that will be applied on top-ups made with Visa credit cards.
New To YouTrip?

Now that you’re an expert on all things YouTrip, you’re all set to shop online or travel the globe! While you’re at it, why not share this info with friends and family who aren’t yet in the know?
For those who don’t know, YouTrip is completely free! There are no minimum income requirements, account fall-below fees or annual card membership fees. All you’ll need to do is to download YouTrip to register, wait to get verified and you’ll receive your spanking new YouTrip card in the mail within the next two to three weeks!
If you don’t have a YouTrip card yet, sign up now and be sure to check out our YouTrip Perks page for exclusive offers and promotions too! For more great tips and articles like this, join our Telegram(@YouTripSG) and subscribe to our free weekly newsletter here or down below!
And while you’re at it, why not join the conversation with thousands of #YouTroopers in our very own Community Telegram Group @YouTripSquad? Get tips and tricks to everything YouTrip including exclusive invites to exciting events and experiences, & be part of the #YouTripSquad! 💜
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