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DBS Multi-Currency Account vs YouTrip in Singapore

Which multi-currency account is best suited to your needs?

If you need to access foreign currencies frequently, be it for overseas travel or online purchases, DBS Multi-Currency accounts and YouTrip are two of the most popular options you can consider.

While both allow direct debiting from your foreign currency balance, round-the-clock currency exchange and global spending without additional FX fees, they are not built the same.

In this review, we provide a side-by-side comparison for DBS Multi-Currency Accounts and YouTip. See how they stack up and decide which one is better for you before applying.

A quick review: DBS Multi-Currency Accounts and YouTrip

DBS Multi-Currency Accounts (MCA)

With DBS MCA, you can save and transact 12 foreign currencies and the Singapore Dollar conveniently in a single account, alongside standard banking features such as day-to-day transactions, interest on balance, cash withdrawals and more.

In addition, you can also link it with your DBS Vickers account and trade in different foreign currencies and multiple markets.

Although it was once a standalone account, this feature is now offered on two accounts – the DBS My Account and DBS Multiplier Account.


YouTrip is the first locally introduced multi-currency travel wallet that comes with a prepaid Mastercard.

With the Youtrip card, you can make payments online and at POS (point-of-sale) terminals worldwide, in over 150 currencies without any fees. It also doubles up as an EZ-Link card that can be used to pay your public transport fares in Singapore.

The app also comes with a host of convenient payment features, such as the conversion and storage of 10 different currencies and 24/7 in-app exchange rate monitor.


Overall, both DBS Multi-Currency Accounts and YouTrip offer low-cost money transfers, in-app currency exchange, and allows you to hold multiple currencies.

With DBS MCA, you can enjoy the convenience of everyday banking in Singapore via the largest network of ATM/branches, hold unlimited balances and grow your savings with competitive interest rates — all of which you won’t have access to with YouTrip.

However, if you already have an existing account with another bank and don’t need another savings account — YouTrip definitely makes a good complementary tool for your multi-currency needs. It even comes with a prepaid card doubles up as an EZ-Link card for public transport in Singapore and a few selected cities.

DBS Multi-Currency Accounts vs YouTrip in Singapore: a side-by-side comparison


DBS Multiplier Account


DBS Multiplier Account


Use promo code FINDER5 to earn $5 on signup.

A prepaid Mastercard with no monthly fees, contactless payment features and fee-free transactions in over 150 currencies. NOTE: Promo code valid for new signups and Singapore residents only.
Multiply your savings with bonus interest rates when you credit your income and meet all the account's criteria.
Monthly fees: S$0 S$0
Card delivery 5-8 business days N/A
Mobile wallets Apple Pay, Google Pay Apple Pay, Google Pay, Samsung Pay, NETSPay, PayLah!
Supported currencies SGD, AUD, EUR, GBP, HKD, JPY, NZD, SEK, USD, CHF SGD
Fee-free ATM withdrawals limit N/A N/A
Currency conversion fee 0%
Fee-free currency conversion limit Unlimited
Benefits Payment notifications
Web app
Payment notifications
Fast transfers
Web app
Learn more

*We selected products from each provider that were the most comparable. You can find all available products on our review pages as well as the provider’s website.

Compare a range of digital banks in Singapore

Name Product Monthly fee Card delivery Supported currencies Mobile payments
Canvas Pre-paid Visa Card and App
Up to 8 business days


Apple Pay, Google Pay

Finder special offer of 30 days free trial and $10 credit on each kid’s card upon activation.

Manages your kids’ pocket money and domestic helpers’ access to household expenses digitally.
Wirex Standard
5 business days


Apple Pay, Google Pay

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

A multi-currency card that supports over 150 currencies, including more than 8 cryptocurrencies at interbank rates.
Wise Multicurrency Account
2 - 3 business days


Apple Pay, Google Pay
Wise (formerly TransferWise) is an international account for over 50 currencies, with instant, super-cheap money transfer, a card to spend in any currency, bank details to get paid in 30 different countries and multi-currency direct debits.
Revolut Standard
Up to 9 working days


Apple Pay, Google Pay

Get 20% cashback on all eligible public transport expenses in Singapore when you pay with Revolut. Valid until 31 December 2021.

Enjoy no monthly fees, competitive currency conversion rates, and spend in over 150 currencies with Revolut’s Standard card.
Wirex Elite
5 business days


Apple Pay, Google Pay

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Access supercharged rewards and curated merchant offers in addition to standard Wirex digital payment features and travel card.

Compare up to 4 providers

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