Whether you’re considering Revolut for overseas spending, budgeting, or even crypto, this article breaks down what you need to know before signing up 👇
With more Singaporeans travelling and shopping internationally, multi-currency cards have become a popular alternative to traditional debit and credit cards. One popular option available is Revolut, a global fintech app that offers a multi-currency account, card, and additional financial tools.
In this guide, we’ll take a closer look at Revolut in Singapore — including its features, fees, how the Revolut card works, its pros and cons, and how it compares with other multi-currency cards like YouTrip.
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📚 Table of Contents:
- TL;DR: Revolut Singapore at a Glance
- Overview of the Revolut Card in Singapore
- Revolut Singapore Fees
- How does the Revolut Card work?
- Revolut Crypto
- Revolut Card vs YouTrip
- Revolut vs YouTrip: Exchange Rates
- FAQ: Revolut Singapore
- Final Verdict: Is The Revolut Card Worth It?
- 💡 YouTrip
TL;DR: Revolut Singapore at a Glance:
- A multi-currency account and debit card with favourable FX rates compared to traditional banks
- Has a free Standard plan or paid Premium/Metal plans with additional perks
- Pros: 30+ wallet currencies, budgeting, stock trading & crypto tools
- Cons: 1% weekend FX fees, exchange limit & usage fees, higher top-up fees, less competitive rates compared to YouTrip
Overview of the Revolut Card in Singapore
Image Credits: Revolut Singapore
Revolut is widely used by Singaporeans looking for a digital alternative to bank cards when travelling or spending online in foreign currencies. The main draw is its mid-market exchange rates, which can save money compared to traditional cards that add foreign transaction fees.
The app also includes features such as:
- 30 wallet currencies available for in-app exchanges
- Budgeting tools to track and categorise spending
- Valuts to set aside savings goals
- Bill splitting with friends who also use Revolut
- Revolut Crypto and stock trading for those interested in investments
📚 Also read: CashChanger.co Vs YouTrip: Where To Get The Best Exchange Rate In Singapore?
Revolut Singapore Fees
Here’s a look at Revolut Singapore’s fees for their Standard, Premium, and Metal plans.
| Feature | Standard | Premium | Metal |
|---|---|---|---|
| Monthly Fee | Free | S$10.99/month | S$21.99/month |
| Card Delivery | S$4.99 | Free express | |
| Exchange Limit | S$5,000/month | S$15,000/month | No exchange limits |
| Fair Usage Fees | 1% fee when exceeding exchange limit | 0.5% fee when exceeding exchange limit | None |
| Weekend FX Fees | 1% | None | None |
| Overseas ATM Withdrawals | Up to free S$350 per month. 2% fee imposed thereafter. | Up to free S$700 per month. 2% fee imposed thereafter. | Up to free S$1,050 per month. 2% fee imposed thereafter. |
| Crypto Exchange Fees | 1.49% | 0.99% | 0.99% |
| Cashback | None | None | 1.5% |
Top-up fees across all plans:
- 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
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How does the Revolut Card work?
The Revolut card is a multi-currency debit card linked to your Revolut account. It functions like a regular debit card but with additional flexibility for overseas spending.
- Top up your account via bank transfer or debit/credit card
- Spend worldwide in 140+ currencies
- Auto-conversion: Lock in 30+ wallet currencies
- Manage in-app: Instantly freeze/unfreeze your card, adjust limits, or create disposable virtual cards for safer online shopping.
📚 Money matters: Best Savings Account Singapore 2025: Top Interest Rates & Bank Picks
Revolut Crypto
For those interested in digital assets, Revolut Crypto provides a straightforward way to buy, sell, and hold over 130 tokens. Fees range from 0.99% to 1.49%, and Revolut holds assets custodially.
This makes it convenient for beginners, though the costs are higher compared to dedicated crypto exchanges.
Revolut Card vs YouTrip
Revolut and YouTrip are two of the most recognised multi-currency cards in Singapore. Here’s a feature comparison between the two.
| Feature | Revolut | YouTrip |
|---|---|---|
| Supported Currencies | Hold 30+ currencies. Spend in 140+ countries | Hold 12 currencies. Spend in 150+ countries |
| Exchange Rate | Mid-market rate (with limits) | Wholesale exchange rate (no markups) |
| Annual Fees | Standard Plan: Free Premium Plan: S$10.99/month or S$109/year Metal Plan: S$21.99/month or S$219/year | None ✅ |
| FX Fees | Weekdays: No fees apply if you’re within your plan’s fair usage limit Weekends: A 1% fee applies regardless of your plan | None ✅ |
| Exchange Limit & Fair Usage Fee | 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 ✅ |
| Overseas ATM Withdrawals | Free up to S$350/month (Standard). A 2% fee is imposed thereafter. | Free up to S$400/month. A 2% fee is imposed thereafter. |
| Remittance Fees (sending money overseas) | Variable fee shown in-app | Variable fee shown in-app |
| Bank Withdrawals | 5 free transfers *S$2.99 fee for each transfer thereafter. | 10 free bank withdrawals/month For more than 10 bank withdrawals: Request for a refund (S$10 processing fee) |
| Extra Features | Budgeting, Investment, Crypto | Cashback deals via YouTrip Perks, HLAS Insurance in-app |
📚 Related guides: Trust Card Vs YouTrip – Which Is The Better Card For Overseas Spending?
Revolut vs YouTrip: Exchange Rates
| Currency | YouTrip 👑 | Revolut |
|---|---|---|
| MYR | 1 SGD = 3.286 MYR | 1 SGD = 3.278 MYR |
| JPY | 1 SGD = 114.70 JPY | 1 SGD = 114.48 JPY |
| THB | 1 SGD = 25.27 THB | 1 SGD = 25.24 THB |
| AUD | 1 SGD = 1.207 AUD | 1 SGD = 1.207 AUD |
| HKD | 1 SGD = 6.065 HKD | 1 SGD = 6.055 HKD |
| USD | 1 SGD = 0.7767 USD | 1 SGD = 0.7760 USD |
| EUR | 1 SGD = 0.6686 EUR | 1 SGD = 0.6676 EUR |
*Rates taken as of 20 Aug 2025
- Revolut suits users who prefer extra features such as budgeting tools and crypto trading.
- YouTrip suits budget travellers with competitive exchange rates and fee-free spending.
📚 Related guides: Check out this guide for the Best Miles Credit Card in Singapore (2025)
FAQ: Revolut Singapore
Q: Is Revolut under DBS Bank?
No. Revolut is not owned by DBS Bank. In Singapore, it safeguards funds in segregated accounts with partner banks such as DBS and ANZ, under MAS regulation.
Q: What are the benefits of a Revolut card?
- Favourable FX rates compared to traditional banks
- 30 wallet currencies; spend in 140+ currencies
- Budgeting tools & investment options (crypto, stocks, commodities)
Q: What are the disadvantages of a Revolut card?
- 1% FX fee on weekends for Standard users
- Lower fee-free ATM withdrawals
- Currency exchange limits & fair usage fees
- Less competitive rates compared to YouTrip
Q: Can I get a Revolut card in Singapore?
Yes. You can sign up via the Revolut app, verify your identity, and order a physical or virtual card.
Q: How does Revolut work overall?
Revolut combines a multi-currency account with additional financial services such as budgeting tools, money transfers, and crypto trading — all managed through its mobile app.
Final Verdict: Is The Revolut Card Worth It?
The Revolut card offers strong features for those who value financial tools, crypto access, and international spending. However, its limits and fees mean it may not be the most cost-effective option for everyone.
If your main priority is simple, fee-free overseas spending, YouTrip remains the most straightforward option for most Singaporeans. With no annual fees or monthly charges, and a focus on offering the best exchange rates, YouTrip is often the most practical choice.
📚 Money Matters: SGD To MYR Rate Today (2025): Best Exchange Rates, Forecast & Where to Change Money
💡 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.
Features:
- Competitive real-time wholesale exchange rates
- Free S$400 ATM withdrawal/month
- Cashback + perks via YouTrip Perks
- In-app travel insurance via HLAS
- Great for shopping, travel, and sending money overseas
📚 Discover next: Best Multi-Currency Cards In Singapore (2025): A Full Comparison Guide
How to use YouTrip Overseas?
1️⃣ Top up your YouTrip wallet in SGD using PayNow, a linked bank account, or credit/debit card.
2️⃣ Lock in foreign exchange rates in the app before your trip for 12 popular currencies
3️⃣ Use the YouTrip Mastercard overseas for shopping, dining, and transport — it’ll automatically deduct from the right currency wallet or auto-convert SGD at wholesale rates.
4️⃣ Withdraw cash overseas (free up to S$400/month*).
5️⃣ Avoid DCC by always choosing to pay in the local currency.
📚 Learn more: HSBC Everyday Global Account (HSBC EGA) Singapore Guide 2025
Who is eligible for a YouTrip account?
YouTrip is available to:
- Singapore citizens, permanent residents, and foreigners.
- At least 15 years old who holds a valid NRIC, FIN, or long-term pass issued by the Singapore government.
- Has a Singapore-registered mobile number and a valid email address.
Sign up via SingPass MyInfo for faster approval. The process takes 3 minutes, and your YouTrip card will be delivered to your registered address within 5-7 business days.
📚 Also read: Best Singapore Credit Card For Overseas Spending (2025)
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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