When you’re abroad, the last thing you want is to lose money to bad exchange rates or sneaky foreign transaction fees.
That’s where multi-currency cards like Wise and Revolut come in — letting you spend seamlessly overseas without queueing at money changers or juggling multiple bank cards.
Both claim to have “the best rates” and “no hidden fees,” but when you’re actually on the road — tapping for ramen in Tokyo, booking trains in Europe, or shopping in Bangkok — which card truly gives you more bang for your buck?
In this updated Wise vs Revolut 2025 comparison, we’ll break down the key differences — from exchange rates and ATM withdrawals to fees and international transfers. And because this is Singapore, we’ll also compare them with YouTrip, the go-to multi-currency travel card built for travellers.
💜 Stay Up To Date:
– Chocolate Finance Singapore Guide 2025: Rates, Miles, Withdrawals
– Paris Travel Guide 2025: Things To Do, Weather, Tips
– SGD To Yen Guide: Capitalising On The Japanese Yen
📚 Table of Contents:
- TL;DR
- Wise vs Revolut Exchange Rate (2025 Update)
- Wise vs Revolut Fees
- Wise vs Revolut ATM Withdrawal
- Wise vs Revolut for Travel
- Wise vs Revolut for International Transfers
- Pros & Cons
- FAQs
- Final Verdict
TL;DR: Wise vs Revolut vs YouTrip (2025)
| Feature | YouTrip 💜 | Wise | Revolut |
|---|---|---|---|
| Wallet Currencies Available for Exchange | 12 | 40 | 30 |
| Annual Fees | None | None | Standard: Free Premium: S$10.99/month Metal: S$21.99/month |
| Exchange Rate Type | Real-time wholesale rate | Mid-market rate (with small fee) | Interbank rate (markup outside FX hours) |
| Foreign Transaction Fees | None | From 0.43% | 1% on weekends |
| Overseas ATM Withdrawals | Free up to S$400/month *2% fee thereafter | Free up to S$350/month *1.75% fee thereafter | Free up to S$350/month or 5 withdrawals *2% fee thereafter |
| Top-Up Fees (SG) | ✅ Mastercard credit & debit card, Visa debit card: No fees ✅ PayNow & Linked Bank Account (eGIRO): No fees ✅ Visa credit cards: 1.5% service fee | ✅ Debit card: From 0.43% fee ✅ Credit card: From 0.43% fee ✅ Linked bank account (eGIRO): 0.3% fee ✅ PayNow & Bank transfer: No fees | ✅ 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 |
| Best For | Travellers who want the best rates & zero fees | Sending money abroad | App features & budgeting tools |
Wise vs Revolut Exchange Rate (2025 Update)
Let’s talk about the most important thing: exchange rates.
| Currency | YouTrip 👑 | Wise | Revolut |
|---|---|---|---|
| 🇯🇵 JPY | 1 SGD = 117.10 JPY | 1 SGD = 116.84 JPY | 1 SGD = 116.79 JPY |
| 🇲🇾 MYR | 1 SGD = 3.250 MYR | 1 SGD = 3.247 MYR | 1 SGD = 3.246 MYR |
| 🇹🇭 THB | 1 SGD = 25.06 THB | 1 SGD = 25.01 THB | 1 SGD = 25.00 THB |
| 🇺🇸 USD | 1 SGD = 0.7709 USD | 1 SGD = 0.7691 USD | 1 SGD = 0.7690 USD |
| 🇪🇺 EUR | 1 SGD = 0.6633 EUR | 1 SGD = 0.6617 EUR | 1 SGD = 0.6618 EUR |
*Rates taken as of 13 Oct 2025
🟣 YouTrip’s edge:
YouTrip gives you real-time wholesale FX rates with no extra markups — even on weekends. Revolut adds a 1% weekend fee, and Wise includes a conversion fee (from 0.43%) depending on currency.
📖 Related guide: Wise Card Singapore Guide (2025): Fees, Limits, Exchange Rates
Wise vs Revolut Fees
| Fee Type | Wise | Revolut | YouTrip |
|---|---|---|---|
| Account Opening | Free | Free | Free |
| Monthly Fee | None | Up to S$21.99 | None |
| Foreign Transaction Fee | From 0.43% | 1% on weekends | None |
| Top-Up Fee | Up to 4.3% | Up to 2.08% | 1.5% fee (Visa credit card only) |
| International Transfer Fee | Variable fee from 0.26% | Variable fee shown in-app | Low, transparent fees to 40+ countries |
| ATM Withdrawal Fee | 1.75% after S$350/month | 2% after S$350/month | 2% after S$400/month |
💡 Quick takeaway:
- Wise — great for sending money abroad with low, transparent remittance fees.
- Revolut — flashy app, but more fees for top-ups and transfers.
- YouTrip — best for both travel and overseas transfers, with no hidden fees, real rates, and smooth money sends to 40+ countries.
📖 Related guide: Revolut Singapore (2025): The Ultimate Guide To The Revolut Card, Account & Fees
Wise vs Revolut ATM Withdrawal
| Card | Free Monthly Withdrawal Limit | Post-Limit Fee |
|---|---|---|
| Wise | S$350 | 1.75% thereafter |
| Revolut | S$350 or 5 withdrawals | 2% thereafter |
| YouTrip 💜 | S$400 | 2% thereafter |
YouTrip offers the highest free ATM withdrawal limit, which really helps when you’re hopping between multiple countries.
📖 Related guide: Instarem Amaze Card Singapore Guide 2025: Fees, Rewards & Is It Worth It?
Wise vs Revolut for Travel
Here’s where things really split:
- Wise: Great for international transfers, but not the cheapest for daily spending due to its conversion fees.
- Revolut: Excellent for budget tracking and app features, but its weekend FX markups can eat into your travel budget.
- YouTrip: Designed for travel from day one. Enjoy real-time wholesale rates, no weekend charges, and support for 12 wallet currencies — SGD, JPY, USD, EUR, THB, MYR, AUD, HKD, GBP, CHF, SEK, and NZD.
✅ Pro tip: YouTrip works in 150+ countries, both online and offline. It’s the easiest way for Singaporeans to travel, shop, and withdraw overseas — all without paying unnecessary fees.
📖 Related guide: Best DBS Miles Credit Cards In Singapore (2025 Guide)
Wise vs Revolut for International Transfers
If your goal is sending money overseas, Wise is still the best-known player — it built its name on low-cost international transfers using mid-market rates.
Revolut also supports overseas transfers, but:
- Some instant transfers are charged 1.99%–3%
- Weekend or cross-currency transfers cost more
🟣 YouTrip, however, now gives you secure overseas transfers to 40+ countries — powered by real exchange rates, no hidden fees, and no confusing tiers. It’s the most balanced choice for travellers who spend and send abroad.
📖 Related guide: UOB One Account Singapore Guide (2025): Interest Rates, Fees, Review
Pros & Cons:
Wise
Image Credits: Wise
✅ Pros:
- Transparent mid-market rates
- Best for remittance and overseas transfers
- Supports 40+ currencies
❌ Cons:
- Small FX fee per transaction
- Limited free ATM withdrawals
- Not the best travel exchange rates
📖 Related guide: Best Singapore Credit Card For Overseas Spending (2025)
Revolut
Image Credits: TechCrunch
✅ Pros:
- Slick app interface and budgeting tools
- Crypto, stock, and investment features
- Higher daily withdrawal limit
❌ Cons:
- Weekend FX markups (1%)
- Paid plans for better perks
- Complex fee structure
YouTrip
✅ Pros:
- No hidden fees, no weekend markups
- Real-time wholesale exchange rates
- Free overseas withdrawals up to S$400/month
- Secure transfers to 40+ countries
- 12 wallet currencies for Asia-friendly travel
❌ Cons:
- Lesser wallet currencies available for exchange
- Currently not a budgeting or investment app
📖 Related guide: Best Multi-Currency Cards In Singapore (2025): A Full Comparison Guide
FAQs
1. Is Revolut or Wise better?
If you’re focused on sending money abroad, go with Wise. But for travelling, shopping, and spending overseas, YouTrip wins with its zero-fee rates and no weekend markups.
2. What are the disadvantages of Revolut?
- 1% weekend surcharge on all currencies
- Paid plans for extra features
- Complicated fee structure
- Limited live support for free users
3. Is Revolut popular in Singapore?
Yes, Revolut’s app is popular among younger Singaporeans — but YouTrip remains the top travel card thanks to its simplicity and fee-free overseas spending.
4. Is Wise or Revolut better for international transfers?
Wise still edges out with lower remittance fees and transparent mid-market rates.
5. Wise vs Revolut exchange rate — which is better?
Wise has slightly better weekday rates, but YouTrip consistently offers stronger real-time rates with no weekend fees.
6. Wise vs Revolut ATM withdrawal — which is cheaper?
Wise charges 1.75% after S$350/month, Revolut charges 2% after its limit — YouTrip offers S$400 free, then 2% after.
Final Verdict
At the end of the day:
- 🟢 Wise — Best for remittance and international transfers.
- 🔵 Revolut — Best for tech lovers and budgeting tools.
- 💜 YouTrip — Best for travellers and saving money overseas.
If you just want to spend overseas with zero stress, YouTrip is the clear winner — no hidden fees, no weekend markups, and the best real-time exchange rates for Singaporeans abroad.
Sign up for your free YouTrip card today with promo code <YTBLOG5> and get FREE S$5 in your account!
Join the YouTrip Squad on Telegram for exclusive travel tips, rate alerts, and giveaways — because smart travellers don’t just trip, they YouTrip. ✈️
Happy travels!
Related Articles
Best Miles Credit Card in Singapore For Overseas Spending (2025)
Western Union Guide: All You Need To Know About Sending Money Overseas
DBS Multi-Currency Account (MCA) Guide 2025: Features, Exchange Rates, Fees
