Planning your next trip and wondering whether to go with YouTrip or Revolut?
Both are popular multi-currency cards that help you spend overseas at competitive exchange rates — but their fees and features differ.
YouTrip offers wholesale exchange rates, zero foreign transaction fees, and no annual fees, making it ideal for Singaporean travellers. Revolut, on the other hand, provides interbank rates, budgeting tools, and multiple plans, but includes weekend and top-up fees.
Here’s a full 2026 Revolut vs YouTrip comparison of exchange rates, fees, and features to help you choose the best travel card for your next trip abroad.
💜 Stay Up To Date:
– Melbourne Australia Travel Guide: Best Things to Do, Weather, Tips
– OCBC VOYAGE Card Singapore: Guide to Benefits, Miles, Lounge Access
– Best Breakfast in JB: 22 Must-Try Spots For Every Craving
TL;DR: YouTrip vs Revolut Quick Comparison
| Feature | YouTrip | Revolut Singapore |
|---|---|---|
| Currencies Available | 12 wallet currencies; spend in 150+ countries | 30+ wallet currencies; spend in 100+ countries |
| 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 |
| Card Delivery Fee | ✅ None | Standard Plan: S$4.99 Premium Plan: Free express Metal Plan: Free express |
| Foreign Transaction Fees | ✅ None | 1% fee on weekends |
| Exchange Limit & Fair Usage Fee *Cap on total amount of in-app exchanges monthly. | ✅ 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 Withdrawal Fees | Free up to S$400/month; 2% fee applies thereafter. | Free up to S$350/month or 5 withdrawals (Standard), whichever comes first; 2% or S$1.49 (whichever is greater) thereafter. |
| Sending Money Overseas | Variable fee shown in-app | 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) | 5 free transfers *S$2.99 fee for each transfer thereafter. |
| Top-Up Fees | Mastercard debit & credit, Visa debit, PayNow, eGIRO: No fees Visa credit: 1.5% | 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 |
| Wallet Limits | Top-up: S$20,000 Annual spending: S$100,000 | Top-up: S$20,000 Annual spending: S$100,000 |
| Budgeting Tools | ❌ None | ✅ Yes |
⚖️ YouTrip wins for no hidden fees, better exchange rates, and higher withdrawal limits — perfect for Singaporeans travelling across Asia. While Revolut shines if you want advanced financial tools and more wallet currencies, you’ll pay for the extras.
📖 Related guides: Best Multi-Currency Cards In Singapore: A Full Comparison Guide
📑 Table of Contents
- What is YouTrip?
- What is Revolut?
- YouTrip vs Revolut Exchange Rate Comparison
- The Real Cost: A Weekend in Tokyo
- Overseas ATM Withdrawals
- YouTrip Pros & Cons
- Revolut Pros & Cons
- Detailed Fees Comparison
- Which Card Should You Pick?
- Final Verdict
- FAQs
What is YouTrip?
YouTrip is Singapore’s first multi-currency wallet and prepaid Mastercard, launched in 2018. It lets you pay in 150+ currencies globally at wholesale exchange rates, with zero foreign transaction fees.
You can also lock in 12 wallet currencies (SGD, JPY, MYR, THB, AUD, USD, EUR, GBP, HKD, CHF, NZD, SEK) directly in-app anytime. Plus, YouTrip has no annual fees, no fair usage limits, and free ATM withdrawals up to S$400 per month (2% fee thereafter).
Perfect for: Singaporean travellers who want hassle-free spending and the best rates without paying for “premium” plans.
📖 Related guide: YouTrip vs Wise: Which Multi-Currency Card Is Best for Singaporean Travellers?
What is Revolut?
Image Credits: Revolut
Revolut, which launched globally in 2015 and arrived in Singapore in 2019, is a global fintech app that offers multi-currency accounts, cards, and budgeting tools. Users can hold and exchange 30+ currencies and spend in 100+ countries using interbank rates. For a closer look at its plans and features, see our full Revolut Singapore review.
Revolut offers three plans:
- Standard (Free)
- Premium (S$10.99/month)
- Metal (S$21.99/month)
Each comes with different limits on foreign exchange and ATM withdrawals, plus extras like savings vaults, analytics, and travel insurance.
Perfect for: Users who want a global all-in-one finance app with advanced tools, but don’t mind paying a monthly fee.
📖 Related guide: DBS Multi-Currency Account (MCA) Guide: Features, Exchange Rates, Fees
YouTrip vs Revolut Exchange Rate Comparison (2026)
Exchange rates are the real deal-breaker. A few cents off can mean serious savings on big trips.
| Currency | YouTrip 👑 | Revolut |
|---|---|---|
| 🇯🇵 JPY | 125.84 JPY | 125.81 JPY |
| 🇲🇾 MYR | 3.166 MYR | 3.162 MYR |
| 🇹🇭 THB | 26.05 THB | 26.04 THB |
| 🇪🇺 EUR | 0.6783 EUR | 0.6781 EUR |
| 🇺🇸 USD | 0.7745 USD | 0.7744 USD |
| 🇬🇧 GBP | 0.5764 GBP | 0.5763 GBP |
| 🇭🇰 HKD | 6.073 HKD | 6.071 HKD |
| 🇦🇺 AUD | 1.105 AUD | 1.102 AUD |
| 🇳🇿 NZD | 1.325 NZD | 1.324 NZD |
*Rates taken as of 21 Jul 2026. FX rates fluctuate daily; check both apps for the live rate before you travel.
👉 Verdict: YouTrip generally offers better exchange rates with no weekend surcharges, while Revolut adds 1% fees on weekends (Standard plan) and 1% fees (Standard Plan) when exceeding monthly FX limits.
📖 Learn more: YouTrip Exchange Rates: Everything You Need to Know
The Real Cost: A Weekend in Tokyo
Rates and fee tables only tell you so much. Here’s how the two cards actually compare on a real trip.
Say you’re in Tokyo from Friday to Sunday and spend S$1,000 across dinners, shopping and train rides, tapping your card all weekend.
| YouTrip | Revolut (Standard) | |
|---|---|---|
| Exchange rate | Wholesale rate, no markup | Interbank rate on weekdays |
| Weekend surcharge | None | 1% on weekend spend |
| Cost on S$1,000 weekend spend | S$0 extra | ~S$10 extra |
SGD figures based on Revolut’s published 1% weekend FX fee. ⚠️ Verify live rates and fees in both apps before travelling.
That S$10 is gone before you touch a single premium perk. Stretch it across a week-long trip that spans two weekends, or push past Revolut’s S$5,000 monthly exchange limit, and a further 1% fair-usage fee stacks on top.
For a weekend getaway, YouTrip quietly comes out cheaper. Revolut only pulls ahead once you’re using its budgeting and savings tools enough to justify the plan fee.
Overseas ATM Withdrawals
If you like a bit of cash on hand abroad, the withdrawal terms matter as much as the card rate.
| YouTrip | Revolut (Standard) | |
|---|---|---|
| Free overseas withdrawals | Up to S$400 per month | Up to S$350 per month or 5 withdrawals, whichever comes first |
| Fee after the cap | 2% | 2% or S$1.49, whichever is greater |
YouTrip gives you a slightly higher free cap. Note that neither card works at ATMs in Singapore; both free caps apply to overseas withdrawals only. Third-party operator fees at the machine can still apply to either card, so pull out larger amounts less often to keep costs down.
Best for the traveller who wants some local cash without watching a counter tick. YouTrip’s higher free cap makes it the easier pick.
YouTrip Pros & Cons
✅ Pros:
- Spend in 150+ countries with worldwide Mastercard acceptance.
- Higher exchange rate savings than Revolut, thanks to wholesale FX rates and no weekend markup.
- Zero fees: No annual, foreign transaction, or fair usage fees.
- Minimal top-up costs, free for all methods except Visa credit cards.
- Generous ATM withdrawals, up to S$400/month free (higher than Revolut).
❌ Cons:
- 12 in-app wallet currencies only, though usable in 150+ countries.
- No budgeting or analytics tools like vaults or spend tracking.
📖 Related guide: CashChanger.co Vs YouTrip: Where To Get The Best Exchange Rate In Singapore?
Revolut Singapore Pros & Cons
✅ Pros:
- Supports 30+ wallet currencies for global spending and transfers.
- Flexible plan options, from a free Standard plan to Premium and Metal tiers with added perks.
- Built-in budgeting tools: track expenses, set limits, and manage vaults easily.
❌ Cons:
- Monthly fees of up to S$21.99 for premium plans.
- 1% weekend FX fee, plus P2P transfer and fair usage fees after limits.
- Higher top-up fees, which apply to both Visa and Mastercard cards.
- Lower free ATM withdrawals, up to S$350/month or 5 withdrawals, whichever comes first.
📖 Related guide: Wise Vs Revolut: Which Is Better for Singaporeans?
Detailed Fees Comparison
| Fee | YouTrip | Revolut (Standard) |
|---|---|---|
| Card and annual fee | Free | Free |
| FX markup (weekday) | None, wholesale rate | None, interbank rate |
| FX markup (weekend) | None | 1% |
| Monthly exchange limit | No cap on card spend | S$5,000, then 1% fair-usage fee |
| Overseas ATM | Free up to S$400 per month, then 2% | Free up to S$350 per month or 5 withdrawals, then 2% or S$1.49 |
| Paid plans | None | Premium S$10.99 per month, Metal S$21.99 per month |
⚠️ Fees are indicative and change. Verify current fees in both apps before travelling.
The pattern is consistent. YouTrip keeps one free tier with no weekend or fair-usage surprises, while Revolut’s free plan is genuinely useful until a weekend spend or a larger exchange month tips it into fees. If the app’s budgeting extras earn their keep for you, the paid plans can still be worth it.
Which Card Should You Pick?
Both cards are good. The right one depends on how you actually spend abroad.
| If you’re… | Go with | Why |
|---|---|---|
| A traveller who just wants the best rate with zero fuss | YouTrip | Wholesale rates, no annual fee, no weekend markup, free ATM up to S$400/month |
| A weekend spender (most trips include a Sat/Sun) | YouTrip | Skips Revolut’s 1% weekend FX fee on the free plan entirely |
| A power user who wants budgeting tools, vaults and analytics | Revolut Premium/Metal | Built-in money management Standard YouTrip doesn’t offer |
| Someone who exchanges large sums each month (over S$5,000) | Revolut Premium | Higher FX limit before fair-usage fees kick in |
| Booking a lot of travel and want lounge access/insurance bundled | Revolut Metal | Perks are baked into the S$21.99/month plan |
For the average Singaporean heading to Japan, Malaysia or Europe a few times a year, YouTrip covers it without a subscription. Revolut earns its keep once you want the app to double as a budgeting and savings tool, and you’re spending enough to justify the monthly fee.
Final Verdict
YouTrip is the best choice for travellers who want zero FX fees, free ATM withdrawals, and transparent exchange rates.
Revolut is best for power users who prefer budgeting tools, vaults, or subscription perks.
👉 For most Singaporean travellers, YouTrip wins, hands down. It’s free, easy, and offers the best exchange rates with no weekend surprises. Ready to switch? Apply for a YouTrip card in minutes.
FAQs
YouTrip doesn’t offer budgeting tools, supports only 12 wallet currencies, and requires pre-loading funds before use. However, it makes up for this with zero FX fees and better rates.
Revolut’s downsides include monthly subscription fees, weekend FX surcharges (on the Standard plan), and top-up fees, making it less ideal for budget-conscious travellers.
Yes. For Singaporeans, YouTrip offers the best balance of convenience, rates, and zero fees, especially across Asia.
Yes, Revolut operates in Singapore with local top-ups, SGD wallets, and a Singapore-issued card.
YouTrip generally edges out Revolut with slightly stronger FX rates and no weekend markups.
Yes, and plenty of Singaporeans do. A common setup is YouTrip as the everyday travel card for spending and ATM withdrawals, with Revolut kept for its budgeting tools or holding a currency YouTrip doesn’t. There’s no cost to holding both, since both have a free tier.
For a typical Japan trip, YouTrip usually works out cheaper: strong JPY rates, no weekend surcharge (handy for weekend shopping in Tokyo or Osaka), and free ATM withdrawals up to S$400 a month for pulling out yen. Revolut is competitive on weekdays but adds the 1% weekend fee on its free plan.
Only if you’ll use the extras. The Premium (S$10.99/month) and Metal (S$21.99/month) plans make sense for heavy budgeters, frequent large exchanges, or travellers who want lounge access and insurance bundled in. If you just want good rates on holiday spending, the free tiers, or YouTrip, are enough.
Travel Smart
Not a YouTrooper yet? Grab a free YouTrip card + S$5 credits with code YTBLOG5.
Don’t stop there, check out our YouTrip Perks page for exclusive deals, and join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more insider perks.
Happy travels!
Related Guides:
Trust Card Vs YouTrip: Which Is The Better Card For Overseas Spending?
iChange Vs YouTrip Comparison
Instarem Amaze Card Singapore Guide: Fees, Rewards & Is It Worth It?
Money Changer Near Me: 14 Best Money Changers In Singapore
Best Singapore Credit Card: Miles, Cashback & Travel Compared
