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YouTrip Review

Use promo code FINDER5 to earn $5 on signup.

Created out of a collaboration between EZ-Link, Mastercard and You Technologies Group, YouTrip is Singapore’s first multi-currency travel wallet with linked Mastercard.

With 0% cross border transaction fees and a host of convenient payment solutions, YouTrip is ideal for both tech-savvy budget travellers and online shoppers alike.

Find out more about YouTrip’s mobile wallet and card features in further detail below.

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Monthly fee


Currency conversion fee


Product NameYouTrip
Monthly feeS$0
Card delivery5-8 business days
Supported CurrenciesSGD, AUD, EUR, GBP, HKD, JPY, NZD, SEK, USD, CHF
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How it works

YouTrip is a multi-currency mobile wallet that comes with a free prepaid Mastercard. This card can be used to make contactless payments on POS (point-of-sale) terminals worldwide at anywhere that accepts Mastercard, offline transactions, as well as on EZ-Link readers on public transport in Singapore.

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

Key features

The YouTrip app is straightforward, user-friendly and comes with key features including:

  • Free to use. There are no card fees and no minimum balance required to maintain your account.
  • Make overseas payments. Spend in 150 supported currencies at Mastercard’s wholesale exchange rate.
  • Zero currency conversion fees. Pay for online transactions without incurring any transaction fees.
  • Doubles up as an EZ-Link card. You can use the YouTrip card for public transport in Singapore, as well as 20 other cities including Kuala Lumpur, Sydney and New York. Simply activate the Mastercard Account-Based Ticketing (ABT) function to enjoy this feature.
  • Holds up to 10 different currencies. Monitor exchange rates, hold a balance or make an exchange between 10 currencies at any time.
  • Overseas ATM withdrawals. You can withdraw cash from all overseas Mastercard, Maestro or Cirrus ATMs, for a flat fee of 0% (or equivalent in foreign currency) per transaction.
  • Easy management. View your balance, track transactions and deactivate or replace your card from the YouTrip app anytime.
  • Instant notifications. Receive mobile notifications instantly each time a transaction is made.
  • Monthly rewards. Spend with your YouTrip card and look forward to different rewards every month with #YouTripPerks.
  • Convenient top-up. Reload your YouTrip account’s value through PayNow or any Singapore credit/debit card whenever your balance is low.
  • Instant notifications. Receive mobile notifications instantly each time a transaction is made.

Fees and limits

  • Monthly fee. YouTrip has a S$0 monthly fee.
  • Card fee. You will need to pay S$10to have your card delivered or replaced, should you need to.
  • Overseas cash withdrawal fee. S$5 (or an equivalent in the country’s local currency) will apply per withdrawal.
  • Account balance cap. You’re only allowed to top up or hold up to of $5,000 in your YouTrip account at any point in time, regardless of currency.
  • Annual transaction limit. You can only transact up to $30,000 (or equivalent in other currencies) per annum. This includes overseas ATM withdrawals.

Can I withdraw cash with YouTrip from ATMs in Singapore?

Currently (December 2020), you’ll not be able to make cash withdrawals from local ATMs with the YouTrip card. However, this feature may be available in the future, so stay tuned for further updates.

The verdict

YouTrip comes with a number of benefits that make it an account worth considering. These include no foreign currency conversion fees, no ongoing fees and a useful app to monitor your spending.

However, you are currently unable to withdraw SGD from Singapore ATMs, so this should be considered if you aren’t using it just for travel abroad.

How to sign up

Start by downloading the mobile app and follow its guided sign-up process, which can be completed in as fast as 3 minutes.

First-time users can order a free contactless YouTrip Mastercard and begin using your account once you receive it. Do note that the minimum top-up value to your YouTrip account is S$20.

Register for a YouTrip account in four steps:

  1. Account registration. Get started by clicking Go to site on this page.

    Use our promo code FINDER5 to receive $5 once you’ve successfully created an account.

  2. Card issuance. After you’ve signed up, a YouTrip card will be sent to you by mail within five to eight working days.
  3. Card activation. Once you’ve received the YouTrip card, proceed to register and activate it on the YouTrip app.
  4. Load funds. Upon card activation, you’ll be able to link your bank account to your YouTrip account so you can start topping up your YouTrip account.

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