Revolut, YouTrip, and Wise: which multi-currency wallet and travel card to choose in Singapore in 2025
Product · 13 November 2025Team Revolut
Navigating the various multi-currency wallets and travel cards available in Singapore can be confusing. Each provider promises low fees and great rates, but the differences in features can make one option better suited to you than another.
In this guide, we break down what Revolut, YouTrip, and Wise offer — from exchange rates to travel perks — so you can make the best choice for your financial and travel needs.
TL;DR:
Fuss-free overseas spending: YouTrip keeps it simple with 12 holding currencies and no foreign transaction fees.
Get paid like a local in multiple currencies: Wise offers local account details, and low-cost international transfers.
All the benefits in one app: Revolut is ideal for travel and daily use, providing a platform to spend, invest, trade and budget, as well as great exchange rates in Singapore.
Comparing exchange rates
If you’re looking to get the most value out of your money when travelling overseas, the exchange rate you use is critical.
Tired of opening up multiple apps to check the exchange rate? We’ve pulled the numbers for some of the most commonly used currencies by Singapore residents, so you don’t have to.
Exchange rates are based on exchanging S$1,000.¹
Revolut | YouTrip | Wise | |
USD | US$770.77 | US$770.19 | US$768.90 |
GBP | £582.84 | £582.82 | £581.33 |
AUD | A$1,173.86 | A$1,173.02 | A$1,171.19 |
THB | ฿24,986.22 | ฿24,902.86 | ฿24,872.98 |
¹The above info is accurate as of 31 October 2025. Based on exchanging S$1,000 Monday to Friday, within your plan’s fair usage limits. Exchange rates may vary. T&Cs apply. View this page to verify the claims: ravolut.com/en-SG/sg-fx-substantiation.
Quick takeaway: Revolut has great exchange rates available across some of the most popular currencies used by Singaporeans.
Pros and cons
Revolut
Founded in 2015 in the UK and launched in 2019 in Singapore, Revolut has grown into one of the world’s most popular finance apps, serving 60+ million customers globally. Beyond just currency exchange, it combines multi-currency accounts, lifestyle perks, budgeting tools, eSIMs, insurance, and even investing, into one sleek platform. Whether you’re abroad or at home, Revolut delivers — making it one of the most versatile and convenient financial apps available today.
Pros | Cons |
Great exchange rates | Fair usage limits and fees for currency exchange |
All-in-one financial app that allows you to spend, invest, trade, and budget in one place | Weekend currency exchange fee for Standard plan customers |
Comprehensive suite of products for:
| Some features require paid plans |
²For paid plan customers only. T&Cs apply.
YouTrip
Launched in 2018 in Singapore, YouTrip is a homegrown multi-currency wallet and card designed primarily with Southeast Asian travellers in mind. Its biggest benefit is fee-free foreign currency spending across over 150 currencies, which makes it simple and cost-effective for frequent regional travel. YouTrip has carved out a niche as a no-frills, reliable travel companion.
Pros | Cons |
No fees or fair usage limit on currency exchange | Only 12 holding currencies |
Minimal top-up fees (no fees for all top-up methods except Visa credit cards) | Limited features for daily use |
User-friendly and straightforward app interface | Limited customer support options — no in-app live chat |
Wise
Wise, founded in 2011 in London, started out as a money transfer platform before evolving into a borderless multi-currency account with a card. Its greatest strength lies in clear, low-cost international transfers at near-mid-market rates — ideal for people who frequently send or receive money overseas.
Pros | Cons |
Local bank account details for 8+ currencies | Physical card requires a payment of S$8.50 |
Transparent mid-market rates | Exchange fees apply for every conversion |
40+ holding currencies | Limited features for daily use |
Verdict: which is the best travel card in Singapore for you?
The 'best' really depends on what you need most, which is why we've outlined the key features for each.
- If you want something simple, straightforward, and fee-free for spending abroad: choose YouTrip
- If your main objective is remittance or receiving payments from overseas clients or employers: choose Wise
- If you want a comprehensive solution with great exchange rates, the broadest range of features, and an all-in-one financial app: choose Revolut
In other words, for niche needs, YouTrip or Wise do their jobs well. But if you want one card that does it all, from travel, to lifestyle, to money management — Revolut takes the lead as the most versatile option in 2025.
Already a Revolut customer? Invite your friends and get rewarded for every successful referral. The cash goes straight into your Revolut account. Check the app for your reward details. T&Cs apply.