Revolut vs YouTrip Singapore 2026: Which Multi-Currency Card Saves You More?

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 comparison of YouTrip vs Revolut exchange rates, fees, and features to help you choose the best travel card for your next trip abroad.

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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 140+ 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); 2% fee applies 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

1. What is YouTrip?
2. What is Revolut?
3. YouTrip vs Revolut Exchange Rate Comparison
4. YouTrip Pros & Cons
5. Revolut Pros & Cons
6. Final Verdict
7. 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.

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

Revolut offers three plans:

• Standard (Free)
• Premium (S$9.99/month)
• Metal (S$19.99/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	1 SGD = 121.25 JPY	1 SGD = 121.23 JPY
MYR	1 SGD = 3.113 MYR	1 SGD = 3.107 MYR
THB	1 SGD = 24.66 THB	1 SGD = 24.64 THB
EUR	1 SGD = 0.6613 EUR	1 SGD = 0.6613 EUR
USD	1 SGD = 0.7919 USD	1 SGD = 0.7918 USD
GBP	1 SGD = 0.5734 GBP	1 SGD = 0.5732 GBP
HKD	1 SGD = 6.179 HKD	1 SGD = 6.178 HKD
AUD	1 SGD = 1.124 AUD	1 SGD = 1.123 AUD
NZD	1 SGD = 1.306 NZD	1 SGD = 1.305 NZD

*Rates taken as of 29 Jan 2026

  Verdict: YouTrip generally offers better exchange rates with no weekend surcharges, while Revolut adds 1% fees on weekends and 0.5% when exceeding monthly FX limits.

Learn more: YouTrip Exchange Rates: Everything You Need to Know

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$19.99 for premium plans.
• 1% weekend FX fee, plus P2P transfer and fair usage fees after limits.
• Higher top-up fees — 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?

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.

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!

FAQs

1. What are the disadvantages of a YouTrip card?
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.

2. What is the downside of Revolut?
Revolut’s downsides include monthly subscription fees, weekend FX surcharges, and top-up fees — making it less ideal for budget-conscious travellers.

3. Is YouTrip the best card to use overseas?
Yes. For Singaporeans, YouTrip offers the best balance of convenience, rates, and zero fees, especially across Asia.

4. Is Revolut supported in Singapore?
Yes, Revolut operates in Singapore with local top-ups, SGD wallets, and a Singapore-issued card.

5. YouTrip vs Revolut — which has better exchange rates?
YouTrip generally edges out Revolut with slightly stronger FX rates and no weekend markups.

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