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YouTrip vs Revolut vs Wise in Singapore

Which of these digital wallets offer the best features and lowest fees for international payments?

With FX conversion fees, exchange rate markups and other charges inflating the cost of cross-border payments, multi-currency accounts are rapidly becoming a mainstream personal finance tool around the world.

In this comparison guide, we’ll be taking a closer look at three popular multi-currency accounts to help you make a more informed decision.

A quick review: YouTrip, Revolut and Wise


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.

YouTrip full review


Revolut is a digital bank account and app that makes it easier to manage your money and spend it around the world. The main features of Revolut include allowing you to hold multiple currencies in your account, make international money transfers at the real exchange rate and get a simple view of your spending history with Revolut’s app.

There are three account tiers to choose from including one free account tier.

Revolut full review


The Wise Multi-Currency Account is an electronic money account that lets you hold 50+ currencies, spend worldwide and transfer money to over 80 countries at competitive FX rates. You’ll also receive bank account details in 9 countries (e.g. UK account number, Euro IBAN, US routing number etc) so you can manage your transactional needs like a local in multiple countries.

You’ll also have the option to order the Wise Prepaid Card, which can be used for payments and cash withdrawals in 200+ countries.

Wise full review

Quick overview

Subscription feesThree account tiers available, starting at S$0/monthNo annual or subscription feesNo fees
Overseas paymentsYes. Spend in over 150+ currenciesYes. Spend in over 150+ currenciesYes. Spend in over 150+ currencies
Contactless paymentsNoNoNo
Interbank exchange ratesNoNoNo
Foreign currency exchangeExchange in 28+ fiat currenciesUp to 10 currencies50+ currencies
Cryptocurrency supportNoNoNo
Saving goalsNoNoNo
Spend analyticsNoNoNo
Bill splittingNoNoNo
Live notificationsNoNoNo
Overseas ATM withdrawalsYes, fee-free limit depends on account tierYes. S$5 per withdrawalYes. 2 free withdrawals (up to S$350 / 30 days
Spend rewards1% cashback on all card payments (Metal plan only)NoNo
Mobile payments compatibilityApple Pay and Google PayNoApple Pay and Google Pay
Travel coverageYes (Premium and Metal plans only)NoNo
Travel perksYes (Premium and Metal plans only)NoNo
Exclusive deals and privilegesNoNoNo
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*Information provided in the table is accurate as of 6 August 2021.


From low-cost money transfers, in-app currency exchange to customisable security settings, each of these three digital payment service providers offers great features in addition to being a multicurrency wallet.

Depending on your needs, one of these payment apps may be better suited for you than the other:

  • Best for finance management – Revolut
    • Designed for travellers and jammed-packed with advanced insights, budgeting and goal-based savings tools. It can also be effectively used for international money transfers in certain situations.
  • Best value for cross-border transactions – Wise
    • As a dedicated international money transfer service, Wise offers the widest range of foreign currencies, better FX rates and even local bank details in 9 countries.
  • Best no-frills card for online purchases and local use – YouTrip
    • Suitable for those who prefer a simple, fee-free multicurrency prepaid card that doubles up as an EZ-Link card for public transport.

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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