{"id":65691,"date":"2026-01-29T11:41:15","date_gmt":"2026-01-29T03:41:15","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=65691"},"modified":"2026-04-28T15:32:32","modified_gmt":"2026-04-28T07:32:32","slug":"youtrip-vs-revolut-singapore-comparison","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/youtrip-vs-revolut-singapore-comparison\/","title":{"rendered":"Revolut vs YouTrip Singapore 2026: Which Multi-Currency Card Saves You More?"},"content":{"rendered":"\n

Planning your next trip and wondering whether to go with YouTrip or Revolut<\/strong>? <\/strong><\/h2>\n\n\n\n
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Both are popular multi-currency cards<\/strong> that help you spend overseas at competitive exchange rates \u2014 but their fees and features differ.<\/p>\n\n\n\n

YouTrip<\/strong> offers wholesale exchange rates<\/strong>, zero foreign transaction fees<\/strong>, and no annual fees<\/strong>, making it ideal for Singaporean travellers. Revolut<\/strong>, on the other hand, provides interbank rates<\/strong>, budgeting tools<\/strong>, and multiple plans<\/strong>, but includes weekend and top-up fees<\/strong>.<\/p>\n\n\n\n

Here\u2019s a full 2026 comparison of YouTrip vs Revolut exchange rates, fees, and features<\/strong> to help you choose the best travel card for your next trip abroad.<\/p>\n\n\n\n

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TL;DR: YouTrip vs Revolut Quick Comparison<\/strong><\/h2>\n\n\n\n
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Feature<\/strong><\/th>YouTrip<\/strong><\/th>Revolut Singapore<\/strong><\/strong><\/th><\/tr><\/thead>
Currencies Available <\/strong><\/td>12 wallet currencies;
spend in 150+ countries<\/td>		30 wallet currencies;
spend in 140+ countries<\/td><\/tr>
Annual Fees<\/strong><\/td>\u2705 None <\/td>Standard Plan: <\/strong>Free 

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

Metal Plan: <\/strong>S$21.99\/month or S$219\/year<\/td><\/tr>
Card Delivery Fee<\/strong> <\/td>\u2705 None<\/td>Standard Plan: <\/strong>S$4.99

Premium Plan: <\/strong>Free express

Metal Plan: <\/strong>Free express<\/td><\/tr>
Foreign Transaction Fees<\/strong><\/td>\u2705 None<\/td>1% fee on weekends
<\/td><\/tr>
Exchange Limit & Fair Usage Fee<\/strong>

*Cap on total amount of in-app exchanges monthly.
<\/td>		\u2705 None <\/td>Standard Plan: <\/strong>Exchange limit: S$5,000\/month;
Fair usage fee: 1% when exceeded.

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

Metal Plan: <\/strong>No exchange limits<\/td><\/tr>
Overseas ATM Withdrawal Fees<\/strong><\/td>Free up to S$400\/month;
2% fee applies thereafter.<\/td>		Free up to S$350\/month or 5 withdrawals (Standard);
2% fee applies thereafter.<\/td><\/tr>
Sending Money Overseas<\/strong><\/strong><\/td>Variable fee shown in-app<\/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>		5 free transfers 

*S$2.99 fee for each transfer thereafter.<\/td><\/tr>
Top-Up Fees<\/strong><\/td>Mastercard debit & credit, Visa debit, PayNow, eGIRO:<\/strong> No fees

Visa credit:<\/strong> 1.5%<\/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>
Wallet Limits<\/strong><\/strong><\/td>Top-up:<\/strong> S$20,000

Annual spending:<\/strong> S$100,000<\/td>		Top-up:<\/strong> S$20,000

Annual spending:<\/strong> S$100,000<\/td><\/tr>
Budgeting Tools<\/strong><\/td>\u274c None<\/td>\u2705 Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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\u2696\ufe0f YouTrip wins for no hidden fees<\/strong>, better exchange rates<\/strong>, and higher withdrawal limits<\/strong> \u2014 perfect for Singaporeans travelling across Asia. While Revolut shines if you want advanced financial tools<\/strong> and more wallet currencies<\/strong>, you\u2019ll pay for the extras.<\/p>\n\n\n\n

\ud83d\udcd6 Related guides: Best Multi-Currency Cards In Singapore: A Full Comparison Guide<\/strong><\/a><\/em><\/p>\n\n\n\n

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\ud83d\udcd1 Table of Contents<\/strong><\/h2>\n\n\n\n
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  1. What is YouTrip?<\/strong><\/a><\/li>\n\n\n\n
  2. What is Revolut?<\/strong><\/a><\/li>\n\n\n\n
  3. YouTrip vs Revolut Exchange Rate Comparison<\/strong><\/a><\/li>\n\n\n\n
  4. YouTrip Pros & Cons <\/a><\/strong><\/li>\n\n\n\n
  5. Revolut Pros & Cons<\/a><\/strong><\/li>\n\n\n\n
  6. Final Verdict<\/strong><\/a><\/li>\n\n\n\n
  7. FAQs<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n
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    What is YouTrip?<\/strong><\/strong><\/h2>\n\n\n\n
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    \"Revolut<\/figure>\n\n\n\n
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    YouTrip<\/strong> is Singapore\u2019s first multi-currency wallet and prepaid Mastercard, launched in 2018. It lets you pay in 150+ currencies<\/strong> globally at wholesale exchange rates<\/strong> \u2014 with zero foreign transaction fees<\/strong>.<\/p>\n\n\n\n

    You can also lock in 12 wallet currencies<\/strong> (SGD, JPY, MYR, THB, AUD, USD, EUR, GBP, HKD, CHF, NZD, SEK) directly in-app anytime. Plus, YouTrip has no annual fees<\/strong>, no fair usage limits<\/strong>, and free ATM withdrawals up to S$400 per month<\/strong>.<\/p>\n\n\n\n

    Perfect for:<\/strong> Singaporean travellers who want hassle-free spending<\/strong> and the best rates without paying for \u201cpremium\u201d plans.<\/strong><\/p>\n\n\n\n

    \ud83d\udcd6 Related guide: YouTrip vs Wise: Which Multi-Currency Card Is Best for Singaporean Travellers?<\/strong><\/a><\/em><\/p>\n\n\n\n

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    What is Revolut?<\/strong><\/strong><\/h2>\n\n\n\n
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    \"Revolut<\/figure>\n\n\n\n

    Image Credits: Revolut<\/em><\/p>\n\n\n\n

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    Revolut Singapore<\/strong>, launched in 2015, is a global fintech app that offers multi-currency accounts, cards, and budgeting tools<\/strong>. Users can hold and exchange 30 currencies<\/strong> and spend in 140+ countries<\/strong> using interbank rates.<\/p>\n\n\n\n

    Revolut offers three plans<\/strong>:<\/p>\n\n\n\n