{"id":76943,"date":"2026-02-04T10:33:59","date_gmt":"2026-02-04T02:33:59","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=76943"},"modified":"2026-03-11T16:17:58","modified_gmt":"2026-03-11T08:17:58","slug":"trust-card-vs-youtrip","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/trust-card-vs-youtrip\/","title":{"rendered":"Trust Card Vs YouTrip: Which Is The Better Card For Overseas Spending? (2026)"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong><strong>When comparing cards for overseas spending, Trust Bank and YouTrip stand out in Singapore. Here\u2019s a deep dive so you can spend smarter overseas \ud83d\udc47<\/strong> <\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>With travel back in full swing, Singaporeans are once again looking for the best way to save on overseas spending. Whether you&#8217;re booking flights, shopping in Tokyo, or dining in Bangkok, the right travel card can help you avoid hidden fees and enjoy better exchange rates.<\/p>\n\n\n\n<p>Two popular choices on the market right now? The <strong>Trust card by Trust Bank and NTUC<\/strong>, and <strong>YouTrip<\/strong>.<\/p>\n\n\n\n<p>The Trust card is known for its everyday cashback rewards and integration with FairPrice. YouTrip, on the other hand, has built its reputation as a traveller\u2019s wallet \u2013 offering 0% FX fees, real-time exchange rates, and multi-currency convenience.<\/p>\n\n\n\n<p>In this article, we\u2019ll compare the Trust card vs YouTrip across key areas like exchange rates, overseas fees, rewards, and features \u2013 helping you pick the right travel companion for your next adventure.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\ud83d\udc9c <strong>Stay Up To Date:<\/strong><br>\u2013 <a href=\"https:\/\/www.you.co\/sg\/blog\/cherry-blossom-korea-forecast\/\">2026 Cherry Blossom Korea Guide: Forecasts, Festivals &amp; Best Spots<\/a><br>\u2013 <a href=\"https:\/\/www.you.co\/sg\/blog\/taiwan-cherry-blossom-guide\/\">Taiwan Cherry Blossom Guide 2026: Forecast, Top Sakura Spots &amp; Tips<\/a><br>\u2013 <a href=\"https:\/\/www.you.co\/sg\/blog\/japan-cherry-blossom-forecast\/\">Cherry Blossom Season Japan 2026: Best Time to Visit, Sakura Forecast &amp; Top Viewing Spots<\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>TL;DR &#8211; Quick Takeaways<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>YouTrip<\/strong> offers 0% FX fees, wholesale exchange rates in 150+ countries, and lets you lock in 12 currencies in-app. Ideal for travellers who want transparency, convenience, and no surprise charges.<br><\/li>\n\n\n\n<li><strong>Trust card<\/strong> provides 0% FX fees using Visa\u2019s wholesale exchange rate, cashback perks, and a dual debit\/credit feature. Great for everyday convenience \u2013 but lacks rate-locking and requires managing SGD-only balance, which might cost more as exchange rates fluctuate.<\/li>\n<\/ul>\n\n\n\n<p>\u2696\ufe0f <strong>Bottom line<\/strong>: If you frequently travel and value control over exchange rates with no FX markups, <strong>YouTrip might be more suited to your needs.<\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud83d\udccc Table of Contents:<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#youtrip-vs-trust-comparison\"><strong>YouTrip vs Trust Card Comparison (2026)<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#what-is-youtrip\"><strong>What is YouTrip?<\/strong><\/a>\n<ul class=\"wp-block-list\">\n<li><a href=\"#how-to-use-youtrip\">How to use YouTrip overseas?<\/a><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><a href=\"#what-is-trust\"><strong>What is the Trust card?<\/strong><\/a>\n<ul class=\"wp-block-list\">\n<li><a href=\"#how-to-use-trust\">How to use the Trust Card overseas?<\/a><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><a href=\"#exchange-rate-comparison\"><strong>Exchange Rate Comparison<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#fees-and-charges-comparison\"><strong>Fees and Charges Comparison<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#youtrip-vs-trust-verdict\"><strong>Verdict: Which Travel Card Should You Choose?<\/strong><\/a><\/li>\n\n\n\n<li><strong><a href=\"#faqs\">FAQs<\/a><\/strong><\/li>\n<\/ol>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"youtrip-vs-trust-comparison\"><strong>YouTrip vs Trust Card Comparison (2026)<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Here\u2019s a comparison between two popular options in Singapore when it comes to overseas spending \u2014 YouTrip and Trust Bank:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Feature<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>YouTrip<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Trust Card<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Card Type<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Pre-paid Mastercard, multi\u2013currency e-wallet<\/td><td class=\"has-text-align-left\" data-align=\"left\">Dual Visa credit &amp; debit functionality<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Eligilibty&nbsp;<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">\u2705 At least 15 years old &amp; above&nbsp;<br>\u2705 Has a valid Singaporean NRIC or FIN \/ Foreigners with a valid SingPass account<br>\u2705 No income requirement<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>Trust Debit Card:&nbsp;<\/strong><br>\u2705 At least 16 years old &amp; above&nbsp;<br>\u2705 Singaporean citizen \/ PR \/ Foreigner with a valid work pass&nbsp;<br><br><strong>Trust Credit Card:&nbsp;<\/strong><br><span style=\"text-decoration: underline\">21-55 years old (Min. annual income):<\/span><br>\u2705 Singaporean citizens\/PR: S$30,000&nbsp;<br>\u2705 Foreigner with a valid work pass: S$60,000&nbsp;<br><br><span style=\"text-decoration: underline\">Above 55 years old (Min. annual income):<\/span><br>\u2705 Singaporean citizen\/PR: S$15,000&nbsp;<br>\u2705 Foreigner with a valid work pass: S$60,000&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Annual Fee<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>FX Fees&nbsp;<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Zero FX fees across 150+ countries<\/td><td class=\"has-text-align-left\" data-align=\"left\">Zero FX fees anywhere Visa is accepted<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Currencies available for holding &amp; exchange<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">\u2705 12 wallet currencies&nbsp;<br>\ud83d\udc49 SGD, MYR, JPY, THB, USD, EUR, AUD, NZD, GBP, HKD, CHF, SEK<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u274c Not supported<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Exchange Rates<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Real-time wholesale exchange rates&nbsp;<\/td><td class=\"has-text-align-left\" data-align=\"left\">Visa rates&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>FX Markup Protection<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">\u2705 Blocks Dynamic Currency Conversion (DCC)&nbsp;&nbsp;<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u274c DCC may apply if merchant converts to SGD<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>ATM Withdrawals Overseas&nbsp;<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Free S$400 ATM withdrawals per month&nbsp;<br>*2% fee applies thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Cashback\/Rewards<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Partner<strong> <\/strong>cashback via YouTrip Perks, HLAS travel insurance cashback<\/td><td class=\"has-text-align-left\" data-align=\"left\">Partner cashback with NTUC, FairPrice &amp; more<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Able to send money overseas?<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">\u2705 Remittance to 40+ countries<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u274c Not available<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>\ud83d\udcd6 Related Guide: <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/best-multi-currency-cards-singapore\/\">Best Multi-Currency Cards In Singapore: A Full Comparison Guide<\/a><\/strong><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-youtrip\"><strong><strong>What is YouTrip?<\/strong> <\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2021\/07\/01.png\" alt=\"Trust Card Vs YouTrip - What is YouTrip? \" class=\"wp-image-69363\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2021\/07\/01.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2021\/07\/01-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2021\/07\/01-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>YouTrip is a multi-currency e-wallet and prepaid Mastercard designed for travellers. It supports spending in over 150 countries with 0% foreign transaction fees and allows users to lock in competitive rates across 12 currencies.<\/p>\n\n\n\n<p>YouTrip is especially useful if you want to lock in favourable exchange rates before your trip, spend without worrying about DCC, or withdraw money overseas without hefty fees.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-to-use-youtrip\"><strong>How to use YouTrip overseas?<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"schema-how-to wp-block-yoast-how-to-block\"><p class=\"schema-how-to-description\"><\/p> <ol class=\"schema-how-to-steps\"><li class=\"schema-how-to-step\" id=\"how-to-step-1773216823544\"><strong class=\"schema-how-to-step-name\">Top up your YouTrip wallet in SGD <\/strong> <p class=\"schema-how-to-step-text\">Via PayNow, a linked bank account, or credit\/debit card.<\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1773216836869\"><strong class=\"schema-how-to-step-name\">Lock in foreign exchange rates in the app before your trip for 12 popular currencies<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1773216841019\"><strong class=\"schema-how-to-step-name\">Use the YouTrip Mastercard overseas for shopping, dining, and transport<\/strong> <p class=\"schema-how-to-step-text\">It\u2019ll automatically deduct from the right currency wallet or auto-convert SGD at wholesale rates.<\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1773216851019\"><strong class=\"schema-how-to-step-name\">Withdraw cash overseas (free up to S$400\/month*).<\/strong> <p class=\"schema-how-to-step-text\">A 2% fee will be imposed thereafter.<\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1773216875451\"><strong class=\"schema-how-to-step-name\">Avoid DCC by always choosing to pay in the local currency.<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><\/ol><\/div>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide<strong>: <\/strong><\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-exchange-rates\/\"><strong>YouTrip Exchange Rates: Everything You Need to Know<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-trust\"><strong>What is the Trust card?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"591\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/image-133-1024x591.png\" alt=\"Trust Card Vs YouTrip - What is the Trust card? \" class=\"wp-image-76949\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/image-133-1024x591.png 1024w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/image-133-300x173.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/image-133-768x443.png 768w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/image-133-1536x886.png 1536w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/image-133-2048x1181.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center\"><em>Image Credits: Trust Bank<\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>The Trust card is a dual-function debit\/credit card issued by Trust Bank, a digital bank backed by Standard Chartered and FairPrice Group. It offers cashback on NTUC purchases and supports credit usage with interest, making it a convenient option for everyday local spending.<\/p>\n\n\n\n<p>However, it doesn\u2019t support holding foreign currencies or remittances. Overseas spending is billed in SGD using Visa exchange rates and may be subject to DCC.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-to-use-trust\"><strong>How to use the Trust Card overseas? <\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Enable Overseas Usage in the Trust app before your trip.<\/li>\n\n\n\n<li>Use it like any Visa card \u2014 pay in the local currency&nbsp;<\/li>\n\n\n\n<li>Ensure your account has sufficient funds (for debit) or available credit (for credit use).<\/li>\n\n\n\n<li>Make sure your card is enabled for both physical and contactless use<\/li>\n<\/ol>\n\n\n\n<p><em><em><em><em><em>\ud83d\udcd6 Related Guide: <\/em><\/em><\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/trust-bank-singapore-guide\/\"><strong>Trust Bank Singapore Guide: Credit Card &amp; Cashback Card Review<\/strong><\/a><\/em><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"exchange-rate-comparison\"><strong>Exchange Rate Comparison<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Trust card uses Visa\u2019s rates with no added markup, which is competitive \u2013 but you can&#8217;t lock rates, and DCC may apply depending on the merchant.<\/p>\n\n\n\n<p>YouTrip uses Mastercard\u2019s wholesale exchange rate and lets you lock in rates in advance, offering more control and potentially more savings when budgeting for a trip.<\/p>\n\n\n\n<p>Here\u2019s a look at how much you\u2019d get charged when exchanging S$1 in different currencies:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Currency<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>YouTrip<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Trust Card<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>MYR<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 3.086 MYR<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 3.082 MYR<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>JPY<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 122.99 JPY<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 122.12 JPY<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>THB<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 24.90 THB<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 24.65 THB<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>USD<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 0.7875 USD<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 0.7842 USD<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>EUR<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 0.6660 EUR<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 0.6644 EUR<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Rates taken as of 4 Feb 2026 at the time of writing<\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u2696\ufe0f YouTrip consistently offers better rates than Trust and lets you lock in rates in advance.<\/p>\n\n\n\n<p><em><em><em><em>\ud83d\udcd6 Related Guide: <\/em><\/em><\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-vs-wise-card-singapore-comparison\/\"><strong>YouTrip vs Wise: Which Multi-Currency Card Is Best for Singaporean Travellers?<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fees-and-charges-comparison\"><strong>Fees and Charges Comparison<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Fee Type<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>YouTrip<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Trust Card<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Card Issue Fee<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Annual Fees<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Interest Charges<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><td class=\"has-text-align-left\" data-align=\"left\">27.9% p.a. (credit card function)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Late Payment Fee<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><td class=\"has-text-align-left\" data-align=\"left\">S$100<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Overseas ATM Withdrawals<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Free S$400\/month<br>*2% fee imposed thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>FX Rates<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Mastercard wholesale rates<\/td><td class=\"has-text-align-left\" data-align=\"left\">Visa exchange rates<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Transfer Fees<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Variable fee shown in-app<\/td><td class=\"has-text-align-left\" data-align=\"left\">Not available<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em><em><em>\ud83d\udcd6 Related Guide:<\/em><\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/best-place-to-exchange-money-in-singapore\/\"><strong>Money Changer Near Me: 14 Best Money Changers In Singapore<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"youtrip-vs-trust-verdict\"><strong>Verdict: Which Travel Card Should You Choose?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Each card brings value in different ways:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Trust<\/strong> is a strong choice for everyday local spending, NTUC benefits, and cashback perks.<\/li>\n\n\n\n<li><strong>YouTrip<\/strong> is tailored for travellers who want to avoid fees, exchange currencies in advance, and control their spending abroad.<\/li>\n<\/ul>\n\n\n\n<p>For overseas use, <strong>YouTrip has the edge<\/strong>. With no FX fees, wholesale exchange rates, and built-in protection from DCC, it\u2019s ideal for anyone looking to spend smarter when travelling.<\/p>\n\n\n\n<p>That said, many savvy users carry both: a <strong>credit card like Trust<\/strong> for local rewards and emergencies, and a <strong>multi-currency card like YouTrip<\/strong> for travel \u2013 giving you flexibility and maximum savings.<\/p>\n\n\n\n<p>\u2705 <strong>Tip:<\/strong> Always check the latest fees and rates on the official websites before applying.<\/p>\n\n\n\n<p><em><em><em>\ud83d\udcd6 Related Guide:<\/em><\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-vs-revolut-singapore-comparison\/\"><strong>Revolut vs YouTrip Singapore: Which Multi-Currency Card Saves You More?<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faqs\"><strong>YouTrip vs Trust Card FAQs:<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1773216964199\"><strong class=\"schema-faq-question\"><strong>Q: Is YouTrip better than Trust card?<\/strong><\/strong> <p class=\"schema-faq-answer\">For overseas spending,\u00a0<strong>yes<\/strong>. YouTrip offers\u00a0<strong>0% FX fees, wholesale exchange rates, and the ability to lock in rates for 12 currencies<\/strong>. The Trust card is better for\u00a0<strong>local spending<\/strong>, especially NTUC\/FairPrice cashback.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1773216979586\"><strong class=\"schema-faq-question\"><strong>Q: Can I lock exchange rates with Trust?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. Trust converts at the point of transaction.\u00a0<strong>Only YouTrip allows rate locking<\/strong>\u00a0(12 currencies).<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1773216994234\"><strong class=\"schema-faq-question\"><strong>Q: Can I use Trust card overseas?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, anywhere\u00a0<strong>Visa is accepted<\/strong>\u00a0(overseas usage must be enabled in-app). Trust uses Visa\u2019s exchange rate and\u00a0<strong>does not support rate lock<\/strong>, so rates may fluctuate, and DCC may apply.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1773217002634\"><strong class=\"schema-faq-question\"><strong>Q: What are the minimum age requirements to apply for YouTrip and Trust?<\/strong><\/strong> <p class=\"schema-faq-answer\"><br><strong>\u00b7 YouTrip:<\/strong>\u00a015+, no income requirement<br><strong>\u00b7 Trust debit:<\/strong>\u00a016+<br><strong>\u00b7 Trust credit:<\/strong>\u00a021\u201355 with income requirement<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1773217024851\"><strong class=\"schema-faq-question\"><strong>Q: Does YouTrip or Trust have any annual fees? <\/strong><\/strong> <p class=\"schema-faq-answer\"><strong>None<\/strong> for both cards.<\/p> <\/div> <\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>&nbsp;Ready to Try YouTrip?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2024\/02\/Frame-42.png\" alt=\"Trust Card Vs YouTrip\" class=\"wp-image-63480\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2024\/02\/Frame-42.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2024\/02\/Frame-42-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2024\/02\/Frame-42-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Find a card that suits <strong>your<\/strong> needs best \u2014 whether you&#8217;re looking for the best rates in town or one with zero fees.<\/p>\n\n\n\n<p>Not a YouTrooper yet? Singapore\u2019s go-to multi-currency wallet helps you save with great FX rates and zero fees. Skip the money changer and get a&nbsp;<strong>free YouTrip card + S$5 YouTrip credits<\/strong>&nbsp;with code&nbsp;<strong>&lt;YTBLOG5&gt;<\/strong>.<\/p>\n\n\n\n<p>Then, head over to our<a href=\"https:\/\/www.you.co\/sg\/youtrip-perks\/\">&nbsp;YouTrip Perks<\/a>&nbsp;page for exclusive offers and promotions \u2014 we promise you won\u2019t regret it. Join our Telegram (<a href=\"https:\/\/t.me\/s\/youtripsg\">@YouTripSG<\/a>) and Community Group (@YouTripSquad) for travel tips, event invites, and more!<\/p>\n\n\n\n<p>Happy travels!<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>sign up now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Related Articles:<br><a href=\"https:\/\/www.you.co\/sg\/blog\/best-travel-credit-cards-in-singapore-for-overseas-spending\/\">Best Singapore Credit Card For Travel: Complete Comparison Guide<\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/best-miles-credit-cards-in-singapore\/\">Best Miles Credit Card in Singapore For Overseas Spending<\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/best-citi-miles-credit-cards-in-sg\/\">Best Citi Miles Credit Cards in Singapore: PremierMiles, Prestige, Rewards<\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/best-dbs-miles-credit-cards-in-singapore\/\">Best DBS Miles Credit Cards In Singapore<\/a><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.you.co\/sg?utm_source=youtrip_blog&amp;utm_medium=banner&amp;utm_campaign=blog_footer&amp;utm_term=&amp;utm_content=\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"160\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png\" alt=\"\" class=\"wp-image-59000\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-300x66.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-600x132.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.you.co\/biz\/?utm_source=youtrip&amp;utm_medium=banner&amp;utm_campaign=blog-footer&amp;utm_content=youbiz&amp;acq=BM&amp;sub_acq=BlogFooter&amp;ad_type=Article_Awa\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"90\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png\" alt=\"\" class=\"wp-image-44716\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-300x37.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-600x74.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Every cent counts!<\/p>\n","protected":false},"author":75,"featured_media":76952,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[621],"tags":[39734,40135,39140,40345],"class_list":["post-76943","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-foreign-exchange","tag-multi-currency-cards","tag-trust-bank","tag-youtrip","tag-youtrip-vs-trust"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/76943","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=76943"}],"version-history":[{"count":2,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/76943\/revisions"}],"predecessor-version":[{"id":84450,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/76943\/revisions\/84450"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/76952"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=76943"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=76943"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=76943"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}