If your hands have been itching to add that spankin’ new YSL bag to your wardrobe, look no further than this guide! Let us do the work for you as we determine the best card to lock in those extra savings when shopping for YSL bags in Europe!
The June holidays are coming up and you’re all but ready to splurge away. After all, you’re on vacation and you’ve earned every right to some self-pampering! Nevertheless, it doesn’t hurt to lock in those extra savings while you’re at it — giving you more in your pocket for the fun stuff. Here’s where we come in. Read on as we compare different multi-currency cards and settle which one would maximise your savings when fulfilling your YSL wishlist in Europe!
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👜 The Bag In Question: Cassandre Matelassé Envelope Chain Wallet In Grain De Poudre Embossed Leather
Image Credits: YSL
Let’s start off with looking at one of the most popular YSL handbags that are probably on most of your girlies (or girlfriends’) bucket lists — the classic quilted envelope chain wallet. Currently, this iconic bag is going at €995 (S$1,448) in France — way cheaper compared to Singapore’s price of S$1,880. But how much would it cost when purchasing it with different multi-currency cards?
Shopping For YSL Bags: The Best Multi-Currency Cards For The Biggest Savings — YouTrip Vs Revolut Vs Wise Vs Trust Bank: Find out more here
Comparing Multi-Currency Cards
Here’s a comparison between the most popular options when it comes to overseas spending — YouTrip, Revolut, Wise, and Trust Bank. Read on as we list out each of their features, pros and cons, as well as how much a YSL bag would cost with each card.
| YouTrip | Revolut | Wise | Trust Bank | |
| Currencies Available In Wallet | 10 Currencies | Over 30+ currencies | 50 currencies | N/A |
| Annual Fees | – | Standard Plan: Free Premium Plan: S$9.99/month Metal Plan: S$19.99/month | – | – |
| Transaction Fees | – | ✅ Transfer fees from 0.40% ✅ Fees during Foreign Exchange Market Hours for Standard Plan Customers: No fee for all currencies ✅ Fees outside Foreign Exchange Market Hours for Standard Plan Customers: 1% for all currencies | ✅ Transfer fee from 0.43% onwards varying by currency | – |
| Top-up Fees | ✅ No fees involved when topping up with Mastercard credit/debit cards, Visa debit cards, and PayNow. ✅ 1.5% service fee for top-ups using Visa credit cards | ✅ Mastercard debit card: 0.51% ✅ Mastercard credit card: 0.62% ✅ Visa debit card: 0.30% ✅ Visa credit card 1.97% ✅ International cards: 2.08% ✅ Commercial cards: 1.12% *Increase in fees to start in June | ✅ 2% fee applicable for transactions not in their list of select currencies | – |
| Current Exchange Rates as of 18 May‘23 | 1 SGD = 0.6882 EUR | 1 SGD = 0.6866 EUR | 1 SGD = 0.6873 EUR | 1 SGD = 0.6818 EUR |
| Total Cost Of YSL Cassandre Matelassé Envelope Chain Wallet Bag (€995 = ~S$1,448) | ~S$1,445.80 | ~S$1,449.17 | ~S$1,447.69 | ~S$1,459.37 |
Pros & Cons
1. YouTrip
Pros: One of the major advantages of YouTrip is its commitment to offering some of the best currency exchange rates in the market. By leveraging wholesale exchange rates and charging zero fees as compared to other multi-currency cards, you’re able to score extra savings if you’re looking to buy items like YSL products.
Cons: YouTrip is only able to store 10 major currencies in-wallet.
Estimated price of YSL Cassandre Matelassé Envelope Chain Wallet Bag: ~S$1,445.80
Shopping For YSL Bags: The Best Multi-Currency Cards For The Biggest Savings — YouTrip Vs Revolut Vs Wise Vs Trust Bank: Find out more here
2. Revolut
Image Credits: Capture the Atlas
Pros: Revolut covers a broad range of currencies that users are able to lock in, as well as competitive rates by leveraging interbank rates.
Cons: However, it comes with a larger number of fees including annual fees that are dependent on the type of plan, higher top-up fees, as well as transaction fees.
Estimated price of YSL Cassandre Matelassé Envelope Chain Wallet Bag: ~S$1,449.17
Shopping For YSL Bags: The Best Multi-Currency Cards For The Biggest Savings — YouTrip Vs Revolut Vs Wise Vs Trust Bank: Find out more here
3. Wise
Image Credits: Wise
Pros: Wise utilises mid-market rates to offer users competitive rates and is able to support a vast array of currencies. They also pride themselves on its transparent fee structure.
Cons: Wise offers a higher transaction fee starting from 0.43% onwards which is higher than the other multi-currency cards on this list.
Estimated price of YSL Cassandre Matelassé Envelope Chain Wallet Bag: ~S$1,447.69
Shopping For YSL Bags: The Best Multi-Currency Cards For The Biggest Savings — YouTrip Vs Revolut Vs Wise Vs Trust Bank: Find out more here
4. Trust Bank
Image Credits: Trust Bank
Pros: The Trust Bank credit card offers minimal fees and rewards such as coupons and stamp cards
Cons: Compared to other multi-currency cards, Trust Bank’s FX rates are not the most competitive in the market.
Estimated price of YSL Cassandre Matelassé Envelope Chain Wallet Bag: ~S$1,459.37
Shopping For YSL Bags: The Best Multi-Currency Cards For The Biggest Savings — YouTrip Vs Revolut Vs Wise Vs Trust Bank: Find out more here
Maximise Your Savings — Every Cent Counts!
And there you have it! You’re all set with your very own cheat sheet on shopping for YSL bags for less in Europe! We’re all about giving you the best rates with none of those pesky fees for bigger and better savings. And with the best foreign exchange rates, no longer will you have to deal with those long queues at money changers!
So if you need a go-to travel card, sign up for your complimentary YouTrip card today with promo code <YTBLOG5> and get FREE S$5 in your account! Then head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. For more great tips and articles like this, join our Telegram (@YouTripSG) and subscribe to our free weekly newsletter here or down below.
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