Searching for the best multi-currency card in Singapore for 2025?
Whether you’re travelling, shopping online, or sending money overseas, the right multi-currency card can save you serious cash. We’re talking better exchange rates, fewer fees, and way less hassle than the old-school money changer route.
In this guide, we break down the top multi-currency cards — YouTrip, Revolut, Wise, Amaze, and Trust Bank – so you can figure out which one works best for you and your travel and spending style.
It’s time to say goodbye to hidden FX fees and hello to smarter spending overseas!
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What’s A Multi-Currency Card?
Image Credits: CNA
A multi-currency card is a prepaid travel card or app-linked card that lets you:
- Spend in multiple currencies with low or no FX fees
- Lock in good exchange rates ahead of time
- Withdraw money at overseas ATMs
- Send money internationally
- Avoid carrying large amounts of cash
These cards often support contactless payment, top-ups via PayNow or card, and even include budgeting tools or cashback rewards. But which one’s right for you? Let’s dive in 👇
Best Multi-Currency Cards In Singapore: Check out the best travel credit cards in Singapore for overseas spending here
What To Look For In A Multi-Currency Card:
1. Competitive Exchange Rates
If you’re travelling often, small rate differences can add up fast. Look for cards that use wholesale rates – these are close to the rates you see on Google, XE.com, and other financial sites.
Fun fact: These foreign exchange rates are used by banks, large corporations, and public and private institutions for large-volume currencies.
👉 Pro Tip: YouTrip uses wholesale rates with zero markup.
Want to get into the specifics? Check out this Mastercard Calcuator for Wholesale Exchange Rates.
Best Multi-Currency Cards In Singapore: Find out more about Wholesale Exchange Rates here
2. Transparent Fees
Some cards come with hidden charges that can sneak up on you:
- Annual Fees: Some cards come with an annual fee when you opt for premium plans that give you extra benefits. Consider whether this extra cost is worth it for you.
- Foreign Exchange Mark-ups: Some cards charge a foreign transaction or currency conversion fee of up to 3% when you’re paying in foreign currency.
- Overseas ATM Withdrawal Fees: Most multi-currency cards charge a fee for overseas ATM withdrawals — but some offer free monthly withdrawals. Choose a card that lets you withdraw your money hassle-free.
- Remittance Fees: If you’re sending money to friends/family overseas, it’s worth considering a multi-currency card that doesn’t impose high transfer fees. Some wallets charge a fee of up to 3% when transferring funds to other accounts.
- Top-Up Fees: Top-up fees may reach as high as 2.08% and can vary depending on the top-up method.
Tip: Always check the fee structure before signing up — especially if you’re a frequent spender or plan to send money overseas.
Best Multi-Currency Cards In Singapore 2024: Find out how you can capitalise on the Malaysian ringgit now!
3. Wallet & Spending Limits
Some cards cap your top-up or annual usage — which can be frustrating if you’re shopping or travelling big.
- YouTrip, Revolut, and Wise: Up to S$20,000 top-up and S$100,000 annual limit.
- Amaze: Slightly lower at S$15,000 top-up.
Best Multi-Currency Cards In Singapore: Check out our comparison guide on Wise Vs Revolut here
4. Features, Rewards & Extras
Much like your traditional credit cards (beyond good FX rates), multi-currency cards also offer exclusive rewards and bonuses such as:
- Exclusive cashback & deals (YouTrip, Amaze)
- Travel insurance (YouTrip)
- Loyalty points (Amaze InstaPoints)
- Budgeting tools (Revolut)
- Crypto & savings (Revolut, Trust Bank)
Best Multi-Currency Cards In Singapore: Check out our comparison guide on YouTrip Vs Wise here
Best Multi-Currency Cards In Singapore (2025)
Here’s a comparison between the most popular options when it comes to overseas spending — YouTrip, Revolut, Wise, Amaze, and Trust Bank:
| Feature | YouTrip | Revolut | Wise | Amaze | Trust Bank |
|---|---|---|---|---|---|
| Wallet Currencies Available for Exchange | ✅ 12 | ✅ 30 | ✅ 40 | ✅ 11 | ❌ Unavailable |
| Annual Fees | None | Standard Plan: Free Premium Plan: S$10.99/month or S$109/year Metal Plan: S$21.99/month or S$219/year | None | None | None |
| Transaction Fees | None | Weekdays: No fees apply if you’re within your plan’s fair usage limit Weekends: A 1% fee applies regardless of your plan | From 0.26% *Fee varies by currency | FX transactions: No fees Domestic (SGD) Transactions: 1% fee (min. S$0.50) when paired with a linked card | None |
| Exchange Limit & Fair Usage Fee | None | Standard Plan 👉 Exchange limit: S$5,000/month 👉 Fair usage fee: 1% when exceeded. Premium Plan: 👉 Exchange limit: S$15,000 👉 Fair usage fee: 0.5% when exceeded Metal Plan: No exchange limits | None | None | ❌ Unavailable |
| Overseas ATM Withdrawal Fees | ✅ S$400 free per month *2% fee applies thereafter | ✅ S$350/5 withdrawals free per month *2% fee applies thereafter | ✅ S$350/2 or less withdrawals free per month *1.75% fee applies thereafter | ✅ 2% fee on all amounts withdrawn | None |
| Sending Money Overseas | Variable fee shown in-app | Variable fee shown in-app | Variable fee from 0.26% | Variable fee from 0.4% | ❌ Unavailable |
| Bank Withdrawals | 10 free bank withdrawals/month For more than 10 bank withdrawals: Request for a refund (S$10 processing fee) | 5 free transfers *S$2.99 fee for each transfer thereafter. | Same currency transfers: Often free Different currency transfer: Fee varies based on currency | ❌ Unavailable | No fees |
| Top-up Fees | ✅ Mastercard credit & debit card, Visa debit card, PayNow: No fees ✅ Linked Bank Account (eGIRO): No fees ✅ Visa credit cards: 1.5% service fee | ✅ 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% ✅ From bank accounts in Singapore: Free | ✅ Debit card: From 0.43% fee ✅ Credit card: From 0.43% fee ✅ PayNow: No fees ✅ Bank transfer: No fees ✅ Linked bank account (eGIRO): 0.3% fee | ✅ PayNow: No fees | ✅ PayNow & Bank Transfer: No fees |
| Wallet Limits | Top-up: S$20,000 Annual spending: S$100,000 | Top-up: S$20,000 Annual spending: S$100,000 | Top-up: S$20,000 Annual spending: S$100,000 | Top-up: S$15,000 Annual spending: S$75,000 | N/A |
| Perks | Cashback, Insurance | Budgeting, Crypto | – | InstaPoints | Interest Savings |
Best Multi-Currency Cards In Singapore: Check out our comparison guide on Trust Bank Vs GXS Bank here
Real-Life Comparison: Buying a YSL Bag in France
Image Credits: YSL
👜 The Bag In Question: Le 5 À 7 In Smooth Leather
Let’s start off by looking at one of the most popular YSL handbags — the classic 5 to 7 bag. Currently, this iconic bag is 2,000 EUR (~S$2,987.80) in France — way cheaper compared to Singapore’s price of S$3,390. However, depending on your card’s FX rate and fees, the final cost may vary.
| YouTrip | Revolut | Wise | Amaze | Trust Bank | |
| Current Exchange Rates Google’s Rate: 👉 1 SGD = 0.671 EUR | 1 SGD = 0.673 EUR | 1 SGD = 0.667 EUR | 1 SGD = 0.672 EUR | 1 SGD = 0.670 EUR | 1 SGD = 0.662 EUR |
| Total Cost Of YSL Le 5 À 7 In Smooth Leather Bag | ~S$2,971.76 👑 | ~S$2,998.50 | ~S$2,976.19 | ~S$2,985.07 | ~S$3,021.14 |
*Rates taken as of 17 Jul 2025
💡 YouTrip gives you the lowest total cost, with no FX fees and real-time wholesale exchange rates.
Best Multi-Currency Cards In Singapore: Check out this comparison article on YouTrip Vs iChange here
Sending Money Overseas: How the Cards Compare
We tested remitting S$1,000 to different countries — factoring in both exchange rates and fees.
*Trust Bank currently does not offer remittance services and will not be included in this comparison table
| | YouTrip | Revolut | Wise Card | Amaze |
|---|---|---|---|---|
| MYR | S$1,000 = 3,300.76 MYR Fee: S$1.28 | S$1,000 = 3,290.45 MYR Fees: S$4 | S$1,000 = 3,280.29 MYR Fee: S$3.95 | S$1,000 = 3,281.10 MYR Fee: S$7.5 |
| IDR | S$1,000 = 11,860,453 IDR Fee: S$2.36 | S$1,000 = 11,849.780 IDR Fee: S$4 | S$1,000 = 11,796,093 IDR Fee: S$5.12 | S$1,000 = 11,832,804 IDR Fee: S$6 |
| INR | S$1,000 = 62,614.11 INR Fee: S$2.96 | S$1,000 = 62,444.80 INR Fee: S$4 | S$1,000 = 62,260.84 INR Fee: S$5.10 | S$1,000 = 62,455.24 INR Fee: S$5.80 |
| PHP | S$1,000 = 43,044.98 PHP Fees: S$4.51 | S$1,000 = 43,056.16 PHP Fee: S$4 | S$1,000 = 42,847.06 PHP Fee: S$6.56 | S$1,000 = 43,026.24 PHP Fee: S$6.60 |
| USD | S$1,000 = 737.16 USD Fee: S$4.10 | S$1,000 = 735.88 USD Fee: S$4 | S$1,000 = 733.30 USD Fee: S$4.34 | S$1,000 = 731.53 USD Fee: S$3.90 |
| EUR | S$1,000 = 702.10 EUR Fee: S$3.31 | S$1,000 = 701.18 EUR Fee: S$4 | S$1,000 = 699.46 EUR Fee: S$3.18 | S$1,000 = 699.06 Fee: S$8 |
*Rates taken as of 18 Dec 2024 at the time of writing
💡 YouTrip wins in most cases — offering strong rates with low fees.
Best Multi-Currency Cards In Singapore: Find out how to send money overseas with YouTrip here
Pros & Cons Overview:
YouTrip
Best for: Saving – No FX fees, solid exchange rates, and generous free ATM withdrawals.
What is YouTrip?
YouTrip is a multi-currency wallet and travel card that gives you access to favourable exchange rates for 150+ countries worldwide with zero fees, and lock in 12 popular in-app currencies.
Pros:
- Competitive real-time wholesale exchange rates
- Free S$400 ATM withdrawal/month – highest on the list
- Cashback + perks via YouTrip Perks
- In-app travel insurance via HLAS
- Great for shopping, travel, and remittances
Cons:
- Limited to 12 in-app currencies
- No budgeting tools
Best Multi-Currency Cards In Singapore 2024: Find out more about YouTrip’s enhanced wallet limits here
Revolut
Best for: Budgeting & Crypto
What is Revolut?
Image Credits: Capture the Atlas
Launched in 2015, Revolut is a digital banking app with a multi-currency card that offers interbank exchange rates. Revolut enables you to lock in 30+ currencies and spend in 130+ countries. Revolut accounts range from a free Standard plan to a paid Metal plan with more perks.
Pros:
- 30 wallet currencies
- Free and premium plans available
- Useful budgeting and analytics tools
- Access to crypto trading
Cons:
- Monthly fees up to S$21.99 for premium tiers
- Charges weekend FX fees (1%), P2P transfer fees, and usage-based fees
- Higher top-up fees for both Mastercard and Visa (credit/debit)
Best Multi-Currency Cards In Singapore 2024: Find out more about Revolut’s fees here
Wise
Best for: Transfers
What is Wise?
Image Credits: Wise
Previously known as TransferWise, Wise is a global money transfer and multi-currency account provider. It lets you hold 40+ currencies and make low-cost transfers to over 160 countries at mid-market exchange rates.
Pros:
- Mid-market exchange rates and transparent fees
- Supports a wider range of currencies than most competitors (40+ currencies)
- Lower ATM withdrawal fee (1.75%)
- Reliable global transfers
Cons:
- Transaction fees start from 0.26% onwards
- 2% top-up fee (higher compared to others on the list)
- 2% fee for e-wallets and external account funding (fee varies by currency)
Best Multi-Currency Cards In Singapore 2024: Find out more about Wise’s fees here
Amaze
Best for: Linking Mastercard credit/debit and InstaPoints
What is Amaze?
Image Credits: Instarem
Powered by Instarem, the Amaze card is a multi-currency debit card that links up to 5 Mastercard credit/debit cards. It offers competitive FX rates, rewards on spend, and 0% foreign transaction fees.
Pros:
- Link up to 5 Mastercard debit/credit cards
- No foreign exchange fees
- Earn InstaPoints for redeemable cashback/miles/rewards
Cons:
- 1% fee for SGD payments to GrabPay, prepaid cards, and other e-wallets
- No free ATM withdrawals
- Might not have the most competitive exchange rates in the market when it comes to overseas spending
Best Multi-Currency Cards In Singapore 2024: Find out more about Amaze’s fees here and read our comparison of Amaze vs YouTrip here
Trust Bank
Best for: Local savings & credit rewards
What is Trust Bank?
Image Credits: Trust Bank
Backed by Standard Chartered and FairPrice Group, Trust Bank is a full digital bank offering two card options –The Trust Link Card and the NTUC Link Card (exclusively for NTUC Union members). Unlike typical multi-currency cards, Trust is structured more like a savings account.
Pros:
- High savings interest (up to 3.5% p.a.)
- No FX or ATM fees
- NTUC reward ecosystem
Cons:
- Can’t lock in FX rates – not ideal when rates drop
- Not suited for frequent overseas spending
- No remittance or international transfer features
- Late payment fees: S$100 + accrued interest if overdue
Best Multi-Currency Cards In Singapore 2024: Find out more about Trust Bank’s late fees here
Conclusion: What’s the Best Multi-Currency Card in 2025?
If you want a no-fuss, cost-saving travel card, YouTrip checks all the boxes:
✅ No FX fees
✅ Real-time wholesale rates
✅ Travel insurance
✅ Cashback perks
✅ Strong remittance rates with transparent fees
It’s the best multi-currency card for most Singaporeans — whether you’re backpacking, shopping in Europe, or just skipping the money changer queue.
But hey, every card has its strengths:
- Wise: Best for frequent international transfers and holding 40+ currencies
- Revolut: Ideal if you love financial tools and crypto
- Amaze: Great for linking your credit cards and earning InstaPoints
- Trust Bank: Better for local savings with limited overseas features
Ready to Try YouTrip?
Find a card that suits your needs best — whether you’re looking for the best rates in town or one with zero fees.
Not a YouTrooper yet? Singapore’s go-to multi-currency wallet helps you save with great FX rates and zero fees. Skip the money changer and get a free YouTrip card + S$5 YouTrip credits with code <YTBLOG5>.
Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more!
Happy travels!
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