ATM withdrawals are sometimes unavoidable when travelling, especially in destinations where cash is king.
YouTrip is designed for Singaporeans who want flexible multi-currency spending and reliable cash access abroad. While our card shines for cashless payments, ATM withdrawals are fully supported – so you can get cash whenever you need it. Understanding withdrawal fees, limits, and best practices ensures you avoid surprises and maximise every transaction overseas.
This guide walks you through everything Singaporeans need to know about YouTrip withdrawals — from fees and limits to fuss-free ways to withdraw cash overseas.
⚡TL:DR: YouTrip Withdrawal Quick Summary
| Feature | Details |
|---|---|
| Free Overseas ATM Withdrawals | Up to S$400 per calendar month |
| Withdrawal fee | 2% fee applies once you exceed the free S$400 monthly allowance |
| Daily Withdrawal Limit | Up to S$5,000 per day *Local limits may apply |
| ATM network | Valid at overseas ATMs with Mastercard, Maestro, or Cirrus logos. |
| YouTrip ATM & Card PIN | 4-digits |
📚Table of Contents:
- How to Withdraw Money with YouTrip
- YouTrip Overseas ATM Withdrawal Fees
- Daily Withdrawal Limits
- Country ATM Guides
- Travel Smart with YouTrip
- FAQs
How to Withdraw Money with YouTrip
Withdrawing cash using YouTrip is simple:
1️⃣ Locate an ATM displaying the Mastercard, Maestro, or Cirrus logos and insert your YouTrip card
2️⃣ Select ‘Savings account’
3️⃣ Key in your 4-digit ATM & Card PIN
4️⃣ Withdraw your desired amount in the country’s local currency
💡 Pro tip: Enjoy FREE S$400 monthly withdrawals with YouTrip per month, with a 2% fee imposed thereafter
And there you have it — you won’t ever have to worry about running out of cash!
YouTrip Overseas ATM Withdrawal Fees
- ✅ S$400 free ATM withdrawals monthly: YouTrip gives you S$400 worth of fee-free ATM withdrawals every calendar month.
- ✅ 2% fee applies thereafter: A 2% withdrawal fee applies only to the portion exceeding the S$400 free allowance.
❗️ ATM operator fees: Some overseas ATMs may charge their own operator fees. This is usually displayed on-screen before you confirm your withdrawal.
Daily Withdrawal Limits
Daily ATM withdrawal limit: S$5,000
*Do note that certain overseas ATMs may have a maximum allowed amount per ATM Cash Withdrawal (set by the individual bank of the ATM).
🏧 Country ATM Guides:
Need fee-free or lower-fee ATM recommendations? Explore our country-specific withdrawal guides:
🇲🇾 Malaysia ATM Withdrawal Guide
🇯🇵 Japan ATM Withdrawal Guide
🇹🇭 Thailand ATM Withdrawal Guide
🇰🇷 South Korea ATM Withdrawal Guide
🇹🇼 Taiwan ATM Withdrawal Guide
🇭🇰 Hong Kong ATM Withdrawal Guide
🇮🇩 Indonesia ATM Withdrawal Guide
🇻🇳 Vietnam ATM Withdrawal Guide
🇦🇺 Australia ATM Withdrawal Guide
🇲🇴 Macau ATM Withdrawal Guide
Travel Smart with YouTrip
Before flying off, make sure you’re travelling smart with YouTrip, Singapore’s favourite multi-currency wallet. Enjoy:
- Competitive exchange rates
- 12 wallet currencies
- No hidden fees
Not on YouTrip yet? 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 eating!
FAQs:
Q: How do I change my ATM PIN?
A:
- Open the YouTrip app > tap ‘Cards’
- Toggle to your Physical Card
- Tap ‘Manage’ > ‘Reset ATM PIN’
- Create a new 4-digit ATM PIN for overseas cash withdrawals
Note: Your ATM & Card PIN (for overseas ATM withdrawals) is not the same as your 6-digit App Passcode for logins.
Q: Can I use a Virtual card at an ATM?
A: No, the Virtual card is fully digital and cannot be used for ATM cash withdrawals.
Q: When does my free ATM quota reset?
A: Your free ATM withdrawal fee quota resets to S$400 at midnight SGT on the 1st of each calendar month.
Q: Can I withdraw cash from local ATMs in Singapore?
A: No, YouTrip ATM withdrawals are only supported at overseas ATMs.
For more ATM FAQs, click here
