{"id":60099,"date":"2026-02-20T14:21:05","date_gmt":"2026-02-20T06:21:05","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=60099"},"modified":"2026-03-11T14:03:40","modified_gmt":"2026-03-11T06:03:40","slug":"wise-vs-revolut","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/wise-vs-revolut\/","title":{"rendered":"Wise vs Revolut Singapore 2026: Which Multi-Currency Card Is Best?"},"content":{"rendered":"\n

Searching for the best multi-currency card in Singapore for travel, online shopping, or sending money overseas? <\/strong><\/h2>\n\n\n\n
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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?<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

We also compare both to YouTrip \u2014 the top multi-currency travel card for Singaporeans \u2014 so you can confidently pick the best card for your needs.<\/p>\n\n\n\n

Whether you\u2019re planning a holiday, shopping online, or sending money to family abroad, this guide will help you decide: Wise, Revolut, or YouTrip?<\/p>\n\n\n\n

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\ud83d\udc9c Stay Up To Date:<\/strong><\/p>\n\n\n\n

\u2013 OCBC VOYAGE Card Premier 2026: Earn Rates, Fees & Benefits<\/a>
\u2013 Cherry Blossom Season Japan 2026: Best Time to Visit, Sakura Forecast & Top Viewing Spots<\/a>
\u2013 Best eSIM Singapore 2026: Guide to Travel eSIMs, Cheap Options & Tips<\/a><\/p>\n\n\n\n

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\u26a1\ufe0f TL;DR: Wise vs Revolut vs YouTrip (2026)<\/strong><\/h2>\n\n\n\n
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Feature<\/strong><\/th>YouTrip <\/strong><\/th>Wise<\/strong><\/th>Revolut<\/strong><\/th><\/tr><\/thead>
Wallet Currencies<\/strong><\/td>12<\/td>40<\/td>30<\/td><\/tr>
Annual Fees<\/strong><\/td>None<\/td>None<\/td>Standard: <\/strong>Free

Premium: <\/strong>S$10.99\/month or S$109\/year

Metal: <\/strong>S$21.99\/month or S$219\/year<\/td><\/tr>
Exchange Rate<\/strong><\/td>Real-time wholesale<\/td>Mid-market (small fee)<\/td>Interbank (markup outside FX hours)<\/td><\/tr>
Foreign Transaction Fees<\/strong><\/td>None<\/td>Transaction Fee: <\/strong>None

Currency Conversion Fee:<\/strong> From 0.26%<\/td>		1% on weekends<\/td><\/tr>
Exchange Limit & Fair Usage Fee<\/strong><\/td>None<\/td>None<\/td>Standard Plan <\/strong>
\ud83d\udc49 Exchange limit: S$5,000\/month
\ud83d\udc49 Fair usage fee: 1% when exceeded.

Premium Plan: <\/strong>
\ud83d\udc49 Exchange limit: S$15,000
\ud83d\udc49 Fair usage fee: 0.5% when exceeded 

Metal Plan: <\/strong>
No exchange limits<\/td><\/tr>
Overseas ATM Withdrawals<\/strong><\/td>S$400 free per month

*2% fee applies thereafter<\/td>		From 1 May 2026:
Free up to S$100\/month.

*1.75% fee applies thereafter<\/td>		S$350\/5 withdrawals free per month

*2% fee applies thereafter<\/td><\/tr>
Sending Money Overseas<\/strong><\/td>Variable fee shown in-app<\/td>Variable fee from 0.26%<\/td>Variable fee shown in-app<\/td><\/tr>
Bank Withdrawals<\/strong><\/td>10 free bank withdrawals\/month

For more than 10 bank withdrawals: Request for a refund<\/a> (S$10 processing fee)<\/td>		Same currency transfers: <\/strong>Often free

Different currency transfer: <\/strong>Fee varies based on currency<\/td>		5 free transfers

*S$2.99 fee for each transfer thereafter.<\/td><\/tr>
Top-Up Fees (SG)<\/strong><\/td>No fees (except Visa credit: 1.5%)<\/td>PayNow:<\/strong> No fees 

Bank transfer<\/strong>: No fees

Debit Card, Apple Pay, Linked bank account (eGIRO):<\/strong> Varies by amount from S$0.20<\/td>		Mastercard debit card:<\/strong> 0.51%

Mastercard credit card: <\/strong>0.62% 

Visa debit card: <\/strong>0.30%

Visa credit card:<\/strong> 1.97%

International cards: <\/strong>2.08%

Commercial cards:<\/strong> 1.12%

From bank accounts in Singapore: <\/strong>Free<\/td><\/tr>
Best For<\/strong><\/td>Travellers, zero fees<\/td>Sending money abroad<\/td>App features, budgeting<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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\ud83d\udcda Table of Contents:<\/strong><\/h2>\n\n\n\n
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    \n
  1. Wise vs Revolut Exchange Rate (2026 Update)<\/strong><\/a><\/li>\n\n\n\n
  2. Wise vs Revolut Fees<\/strong><\/a><\/li>\n\n\n\n
  3. Wise vs Revolut ATM Withdrawal<\/strong><\/a><\/li>\n\n\n\n
  4. Wise vs Revolut for Travel<\/strong><\/a><\/li>\n\n\n\n
  5. Wise vs Revolut for International Transfers<\/strong><\/a><\/li>\n\n\n\n
  6. Pros & Cons<\/strong><\/a><\/li>\n\n\n\n
  7. FAQs<\/strong><\/a><\/li>\n\n\n\n
  8. Final Verdict<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n
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    Wise vs Revolut Exchange Rate (2026 Update)<\/strong><\/h2>\n\n\n\n
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    Let\u2019s talk about the most important thing: exchange rates<\/strong>.<\/p>\n\n\n\n

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    Currency<\/th>YouTrip<\/strong> \ud83d\udc51<\/th>Wise<\/strong><\/th>Revolut<\/strong><\/th><\/tr><\/thead>
    \ud83c\uddef\ud83c\uddf5 JPY <\/strong><\/td>1 SGD = 122.38 JPY<\/strong><\/td>1 SGD = 122.05 JPY<\/td>1 SGD = 122.35 JPY<\/td><\/tr>
    \ud83c\uddf2\ud83c\uddfe MYR <\/strong><\/td>1 SGD = 3.<\/strong>076<\/strong> MYR<\/strong><\/td>1 SGD = 3.070 MYR<\/td>1 SGD = 3.069 MYR<\/td><\/tr>
    \ud83c\uddf9\ud83c\udded THB<\/strong><\/td>1 SGD = 24.60 THB<\/strong><\/td>1 SGD = 24.45 THB<\/td>1 SGD = 24.58 THB<\/td><\/tr>
    \ud83c\uddfa\ud83c\uddf8 USD<\/strong><\/td>1 SGD = 0.7882 USD<\/strong><\/td>1 SGD = 0.7863 USD<\/td>1 SGD = 0.7881 USD<\/td><\/tr>
    \ud83c\uddea\ud83c\uddfa EUR<\/strong><\/td>1 SGD = 0.6706 EUR<\/strong><\/td>1 SGD = 0.6691 EUR<\/td>1 SGD = 0.6704 EUR<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    *Rates taken as of 20 Feb 2026<\/em><\/p>\n\n\n\n

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    \ud83d\udca1 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%.<\/em><\/p>\n\n\n\n

    \ud83d\udcd6 Related guide: Wise Card Singapore Guide (2025): Fees, Limits, Exchange Rates<\/strong><\/a><\/em><\/p>\n\n\n\n

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    Wise vs Revolut Fees<\/strong><\/h2>\n\n\n\n
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    Fee Type<\/strong><\/th>Wise<\/strong><\/th>Revolut<\/strong><\/th>YouTrip<\/strong> <\/th><\/tr><\/thead>
    Account Opening<\/strong><\/td>Free<\/td>Free<\/td>Free<\/td><\/tr>
    Monthly Fee<\/strong><\/td>None<\/td>Up to S$21.99<\/td>None<\/td><\/tr>
    Foreign Transaction Fee<\/strong><\/td>From 0.26% (currency conversion fee)<\/td>1% on weekends<\/td>None<\/td><\/tr>
    Top-Up Fee <\/strong><\/td>Varies from S$0.20<\/td>Up to 2.08%<\/td>1.5% fee (Visa credit card only)<\/td><\/tr>
    International Transfer Fee<\/strong><\/td>Variable fee from 0.26%<\/td>Variable fee shown in-app<\/td>Low, transparent fees to 40+ countries<\/td><\/tr>
    ATM Withdrawal Fee<\/strong><\/td>From 1 May 2026:
    1.75% after S$100\/month<\/td>    		2% after S$350\/month<\/td>2% after S$400\/month<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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    \ud83d\udca1 Quick takeaway:<\/strong><\/p>\n\n\n\n