Searching for the best multi-currency card in Singapore for travel, online shopping, or sending money overseas?
In 2026, the Wise card and Revolut card are the most popular choices for Singaporeans who want to avoid hidden fees, get the best exchange rates, and manage their money globally. But which one actually gives you more value, lower fees, and a better experience?
In this definitive Wise vs Revolut Singapore 2026 comparison, we break down everything you need to know: real exchange rates, ATM withdrawal limits, all fees, international transfers, and app features.
We also compare both to YouTrip — the top multi-currency travel card for Singaporeans — so you can confidently pick the best card for your needs.
Whether you’re planning a holiday, shopping online, or sending money to family abroad, this guide will help you decide: Wise, Revolut, or YouTrip?
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⚡️ TL;DR: Wise vs Revolut vs YouTrip (2026)
| Feature | YouTrip | Wise | Revolut |
|---|---|---|---|
| Wallet Currencies | 12 | 40 | 30 |
| Annual Fees | None | None | Standard: Free Premium: S$10.99/month or S$109/year Metal: S$21.99/month or S$219/year |
| Exchange Rate | Real-time wholesale | Mid-market (small fee) | Interbank (markup outside FX hours) |
| Foreign Transaction Fees | None | Transaction Fee: None Currency Conversion Fee: From 0.26% | 1% on weekends |
| Exchange Limit & Fair Usage Fee | None | 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 |
| Overseas ATM Withdrawals | S$400 free per month *2% fee applies thereafter | From 1 May 2026: Free up to S$100/month. *1.75% fee applies thereafter | S$350/5 withdrawals free per month *2% fee applies thereafter |
| Sending Money Overseas | Variable fee shown in-app | Variable fee from 0.26% | Variable fee shown in-app |
| Bank Withdrawals | 10 free bank withdrawals/month For more than 10 bank withdrawals: Request for a refund (S$10 processing fee) | Same currency transfers: Often free Different currency transfer: Fee varies based on currency | 5 free transfers *S$2.99 fee for each transfer thereafter. |
| Top-Up Fees (SG) | No fees (except Visa credit: 1.5%) | PayNow: No fees Bank transfer: No fees Debit Card, Apple Pay, Linked bank account (eGIRO): Varies by amount from S$0.20 | 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, zero fees | Sending money abroad | App features, budgeting |
📚 Table of Contents:
- Wise vs Revolut Exchange Rate (2026 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
Wise vs Revolut Exchange Rate (2026 Update)
Let’s talk about the most important thing: exchange rates.
| Currency | YouTrip 👑 | Wise | Revolut |
|---|---|---|---|
| 🇯🇵 JPY | 1 SGD = 122.38 JPY | 1 SGD = 122.05 JPY | 1 SGD = 122.35 JPY |
| 🇲🇾 MYR | 1 SGD = 3.076 MYR | 1 SGD = 3.070 MYR | 1 SGD = 3.069 MYR |
| 🇹🇭 THB | 1 SGD = 24.60 THB | 1 SGD = 24.45 THB | 1 SGD = 24.58 THB |
| 🇺🇸 USD | 1 SGD = 0.7882 USD | 1 SGD = 0.7863 USD | 1 SGD = 0.7881 USD |
| 🇪🇺 EUR | 1 SGD = 0.6706 EUR | 1 SGD = 0.6691 EUR | 1 SGD = 0.6704 EUR |
*Rates taken as of 20 Feb 2026
💡 YouTrip offers real-time wholesale FX rates with no markups, even on weekends. Revolut charges 1% on weekends. Wise charges a conversion fee from 0.26%.
📖 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 0.26% (currency conversion fee) | 1% on weekends | None |
| Top-Up Fee | Varies from S$0.20 | 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 | From 1 May 2026: 1.75% after S$100/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 or 3 withdrawals | 1.75% + S$1.50 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 in need of cash overseas.
📖 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:
- Mid-market exchange rates, transparent fees
- 40+ currencies supported
- Best for international transfers
❌ Cons:
- Currency conversion fees from 0.26%
- 2% fee for e-wallet/external funding
- Only S$100/month free at ATMs
📖 Related guide: Best Singapore Credit Card For Overseas Spending (2025)
Revolut
Image Credits: TechCrunch
✅ Pros:
- 30 wallet currencies
- Free and premium plans
- Budgeting, analytics, and crypto trading
❌ Cons:
- 1% weekend FX fee
- Paid plans up to S$21.99/month
- Higher top-up fees for credit/debit cards
YouTrip
✅ Pros:
- Real-time wholesale exchange rates (best rates)
- Zero FX fees, no weekend markups
- S$400/month free ATM withdrawals (highest limit)
- Cashback, YouTrip Perks, in-app travel insurance
- Secure transfers to 40+ countries
❌ Cons:
- Limited to 12 in-app currencies
- No budgeting tools
📖 Related guide: Best Multi-Currency Cards In Singapore (2025): A Full Comparison Guide
FAQs
Wise is best for sending money abroad. For travel and spending, YouTrip wins with zero-fee rates and no weekend markups.
1% weekend surcharge, paid plans, complex fees, and limited live support for free users.
Yes, especially among younger Singaporeans. But YouTrip remains the top travel card for simplicity and fee-free spending.
Wise still offers lower remittance fees and transparent rates.
Wise has slightly better weekday rates, but YouTrip consistently offers stronger real-time rates with no weekend fees.
Wise charges 1.75% after S$100/month (from 1 May 2026), Revolut charges 2% after its limit, and 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.
For zero-stress overseas spending, YouTrip is the clear winner for Singaporeans in 2026 — no hidden fees, no weekend markups, and the best real-time exchange rates.
Sign up for your free YouTrip card today with promo code <YTBLOG5> and get FREE S$5 in your account!
Join SG Travel+Lifestyle Hacks on Telegram for exclusive travel tips, rate alerts, and giveaways — because smart travellers don’t just trip, they YouTrip. ✈️
Happy travels!
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