YouTrip Vs Wise Card

[IkuTube]

For fellow travellers, do you use any of these two cards?  Worth having one or both of them (since there is no annual fee)?

 

Am told they have better exchange rates.

Am told YouTrip is better for oversea spendings.

Am told Wise is better for oversea money transfers.

 

What are your thoughts?

[Vometra]

.

Edited Sunday at 12:23 PM by Vometra

[sphere]

So far I had only used YouTrip card overseas (no issue), but I’m not a big spender, so didn't buy that many things.

 

There's a detailed description and comparison for these 2 cards (and some others) at 'Singsaver' site, which could provide you more insight on the pros and cons --> here.

 

[QinWei]

I am a Youtrip user 

sadly

truly sad
it was hacked  i have more than 3 transactions done in one late nite while i was sleeping
How did it even transacted without my approval?


Do note Youtrip support Mastercard users more 


 

[Vometra]

1 hour ago, QinWei said:

it was hacked  i have more than 3 transactions done in one late nite while i was sleeping
How did it even transacted without my approval?

 

Same here! I informed them via the app, they investigated, did a chargeback, and sent me a new card.

 

Basically don't put too much money in your account, and lock both the physical and virtual cards when not in use.

[ljh]

I had Youtrip but cancelled it after it failed during my Japan trip last year. I was not able to withdraw money from ATM at all and sometimes the card doesn't work when I wanted to make payment in stores. I contacted Youtrip, they said the card is faulty and offered to send a new one to my Singapore address 😡. I told them I had no use for the new card in Singapore when I needed it for my Japan trip during that time. I was traveling alone and lucky I had a Trust card with me. 

 

Using Wise card now. Found out recently that Revolut card has a feature for disposable virtual cards (can only be used one time) for online shopping to prevent the user information from being stolen 👍.

[leckmich]

none of these three cards work in china, right?  

[redkiwi]

I use Youtrip card when overseas as the exchange rates are comparable to those from money changers. Youtrip also have eWallet function in selected currency so you can exchange when the rate is your favour and store in your eWallet. As mentioned above, Youtrip is a debit card, so some overseas vendor may not accept it.

 

Nowadays, I have switched to Trust card as it is a credit card with comparable exchange rate to the Youtrip card. Being a credit card, you don't need to top up frequently or have leftovers in your eWallet after each trip.

 

As for fraud control, both cards can be switched off when you returned to SG. I like Trust card controls better as it differentiate overseas and local transactions as well as online vs physical store transactions. Which card is for you will depends on your lifestyle and preferences. Both Trust card and Youtrip card have no annual fee. 

 

No experience with Wise card.

[redkiwi]

On 11/19/2025 at 10:20 AM, leckmich said:

none of these three cards work in china, right?  

I just use Trust card in China last month. Some China vendors do accept credit cards, usually the more atas ones. In China, most vendors will likely accept wechat pay or alipay. So you need to do this additional step to link your wechat pay or alipay to your credit card. I link mine to Trust Card to enjoy to good exchange rates. Btw, transactions above ¥200 will attract a 3% admin fee from both Alipay and wechat pay. Where possible, split your purchases.

Edited November 20 by redkiwi

[QinWei]

18 hours ago, ljh said:

was not able to withdraw money from ATM at all and sometimes the card doesn't work when I wanted to make payment in stores. I contacted Youtrip, they said the card is faulty

my fren got the same issue but i told him to keep trying 
and it works


however, when i transf $ to youtrip to buy something big in jp, my bank didnt work 
youtrip explained that as time difference , of sg bank and Jp timing 
What sort of a nonsense is youtrip




Even if it is not a youtrip card, u stil have to link ur cr card to the wechat/alipay
In china, Youtrip works well and i taobao in sg too
all paid using alipay (which is linked to youtrip)

yes true ie the failture of Alipay (not sure of wechat too)
Very free , if at overseas i m there to enjoy 
not to do transactional calculations or to be bothered with non-travelling enjoyment 
if i m taobao in sg , making payment , they will one shot deduct all too : 

3 hours ago, redkiwi said:

Btw, transactions above ¥200 will attract a 3% admin fee from both Alipay and wechat pay. Where possible, split your purchases.

 

[ljh]

2 hours ago, QinWei said:

my fren got the same issue but i told him to keep trying 
and it works

 

I tried from Tokyo to Kyoto then I gave up. 😀

[QinWei]

19 minutes ago, ljh said:

tried from Tokyo to Kyoto then I gave up. 😀

sorry to hear that ! at one point i m really sick and tired of Youtrip

I tried to book from a smaller airline but not a budget one, it failed and i m physically in Sg!

[leckmich]

i know someone who was robbed in south america;  the robber took his iphone and within hours, transferred money from the trust card as well as created a wise account using his id. he lost quite a lot of money and the clai process was needless to say troublesome and complicated etc

[bwf15]

On 11/18/2025 at 5:17 PM, QinWei said:

I am a Youtrip user 

sadly

truly sad
it was hacked  i have more than 3 transactions done in one late nite while i was sleeping
How did it even transacted without my approval?


Do note Youtrip support Mastercard users more 


 

YouTrip has added security function to lock your cards. Good to have them lock most of the time. A bit cumbersome to unlock when you need to use them. How the "hacker" got the card information is probably when it was handled to them at cashier payment. Best to tap on the terminal with the card yourself. Some overseas cashiers pretend their terminal cannot use paywave and asked for your card. Also good to keep minimal balance/s on the wallets. Top up to the wallets is fast and instantaneous when you need to make purchases.

[QinWei]

1 minute ago, bwf15 said:

Some overseas cashiers pretend their terminal cannot use paywave and asked for your card

but in japan , mostly or even China, i wasnt asked to use card at all

In China, i used my palm.... who still paywave? so dated

 

yes fast but failed
Very fast to infor me failed: 

On 11/19/2025 at 3:36 PM, QinWei said:

however, when i transf $ to youtrip to buy something big in jp, my bank didnt work 
youtrip explained that as time difference , of sg bank and Jp timing 
What sort of a nonsense is youtrip

2 minutes ago, bwf15 said:

Top up to the wallets is fast?

 

[yhtang]

On 11/19/2025 at 12:11 PM, redkiwi said:

In China, most vendors will likely accept wechat pay or alipay. So you need to do this additional step to link your wechat pay or alipay to your credit card. I link mine to Trust Card to enjoy to good exchange rates. Btw, transactions above ¥200 will attract a 3% admin fee from both Alipay and wechat pay. Where possible, split your purchases.

 

This was my experience in China too. 

 

[cbm]

After comparing the different products available, I went with Wise. Partly because my own credit card is Mastercard and Wise is Visa so it would 'cover more ground'. You have to pay extra to get the physical card but this is not a big deal for me. 

 

I've used my physical Wise card to make purchases and withdraw cash overseas (no service fee to withdraw up to SGD 350 each month).

 

My sibling uses YouTrip and when we both make purchases while overseas together, we compare and find that Wise exchange rate is better.

 

As for non physical purchases, Wise has a feature for you to generate virtual card numbers so that you don't expose your actual card number. 

 

Using the Wise app, you can also make payments from your Wise account at places that accept SGQR payments. 

 

As for balance money in your account, you cannot withdraw cash in Singapore. So I use the physical card as EZLink to take buses and trains until the balance clears.

[QinWei]

2 hours ago, cbm said:

balance money in your account, you cannot withdraw cash in Singapore

i think same for youtrip

[ljh]

4 hours ago, cbm said:

 

As for non physical purchases, Wise has a feature for you to generate virtual card numbers so that you don't expose your actual card number. 

 

How do I generate virtual card numbers? Can't seem to find this function on their app or information on their website. 

Edited November 22 by ljh

[cbm]

@ljh on the website, is https://wise.com/sg/virtual-card/

 

On the app is Cards > Order A Card > Digital

 

 

 

[leckmich]

i think youtrip allows you to withdraw the leftover now

[QinWei]

11 hours ago, leckmich said:

i think youtrip allows you to withdraw the leftover now

did u mean transfer back sgd?
or withdrawal (ATM) 

Transfer back sgd is unless u use paynow method initially when transferring (not by credit card method) 

[kidster]

On 11/22/2025 at 5:39 AM, cbm said:

After comparing the different products available, I went with Wise. Partly because my own credit card is Mastercard and Wise is Visa so it would 'cover more ground'. You have to pay extra to get the physical card but this is not a big deal for me. 

 

I've used my physical Wise card to make purchases and withdraw cash overseas (no service fee to withdraw up to SGD 350 each month).

 

My sibling uses YouTrip and when we both make purchases while overseas together, we compare and find that Wise exchange rate is better.

 

As for non physical purchases, Wise has a feature for you to generate virtual card numbers so that you don't expose your actual card number. 

 

Using the Wise app, you can also make payments from your Wise account at places that accept SGQR payments. 

 

As for balance money in your account, you cannot withdraw cash in Singapore. So I use the physical card as EZLink to take buses and trains until the balance clears.

My funds in my Wise account is in USD. Wise charged conversion fee when I used it for payments in Korea.

 

I have tested all others except Revolut. They don't charge conversion fee.

[cbm]

4 hours ago, kidster said:

My funds in my Wise account is in USD. Wise charged conversion fee when I used it for payments in Korea.

 

I have tested all others except Revolut. They don't charge conversion fee.

 

What you are describing is the normal way of how it works. Is there any issue with this? 

 

1) My wallet is in SGD and when I use it to pay when overseas, they will charge a small service fee on top of the exchange rate.

 

2) You can buy Korean Won currency and keep that in your wallet and use that to pay for purchases in Korea. There is no service fee for the same currency. But when the first time you buy KRW, there is service fee anyway what.

 

3) did you check the spread of the other cards? Youtrip spread is more than Wise so even with the small service fee, I find that Wise gives better exchange rate overall.

 

Edited November 23 by cbm

[Older4yngr]

Bear in mind this post is the perspective of a UK based poster who has just used a Wise card in Japan for two weeks. (I have no experience with YouTrip.) For me, the advantage of a Wise card is that my account allows me to have multiple "pockets” of foreign currency (all exchanged at mid-market rate—i.e., better than my bank or FE stores). I can then use a Wise digital card or physical card (more on that below) to pay in local currency when abroad. (I've not used the card to withdraw cash from ATMs.)

 

The lessons from my time in Japan were:

1. You do need the physical card as backup as some places will not (for unexplained reasons) accept contactless payments.
2. As an iPhone user, it's incredibly convenient to be able to buy a Suica, or other, travel card before travelling, via the Apple Wallet—and for that you need to have the foreign currency on your virtual card, of course.
3. There are still some places that accept only cash, so a cash reserve is always important.

You can also set up a shared "pot” in your Wise account to allow a friend or partner (with a Wise account) to use any travel money you choose to transfer into that "pot”.

 

Sorry this is not more SG related but I hope that some of it may be helpful.

 

Stephen

[QinWei]

12 hours ago, Older4yngr said:

do need the physical card as backup as some places will not

yes, indeed, i learnt my lessons too!! not only in jp i trust

 

Cash is king too

[kidster]

How about Revolut, Trust and Amaze?

[leckmich]

Trust charges no conversion fee

[QinWei]

there is NO Free lunch

nothing is Free of charge or no fees

Some of you  have free invesmt bankers or RM relatnship mgrs that Free u meals and mooncakes too, these are not free 

 

He did an experiment/test on Ringgit: u can scroll to 9min

to see the top few winners
yes trust and Youtrip and GXS are in  
amaze?! erm .. .

 

 

 

Demi did more than 1 videos on cards for overseas spending too:

 

[cbm]

My second hand experience with no conversion fee based on sibling's YouTrip spending is that no conversion fee means worse exchange rate when compared to Wise exchange rate + service fee.

 

You guys can check and compare and share your findings.

[IkuTube]

Other than the favourable exchange rate tagged on these debit cards, these two cards offer another good thing.

 

With some service fees imposed, overseas transfers to (any) recipient(s) of your choice, is better than doing bank to bank transfer with much lower exchange rate.  Through YouTrip or Wise, the exchange rate - in my opinion, is good (compared to bank transfers) though there'll be a fee.  Some local banks do not impose fee for overseas transfers but the exchange rate is not good.

 

The only setback, for both cards, is the annual transaction limit that is set at SGD100K.  Should you need to transfer money overseas for bigger payment, these cards have maximum limit of SGD100K.  I believe there is a different timeline for rolling annual transaction limits between these 2 cards.  In such a scenario, it is probably good to have these two cards in your wallet.

 

This limit of SGD100K includes (and within) your top up for your holiday expenses.

 

 

[QinWei]

U might wanna look at other reasons besides goin for cheap cheap cheap

 

Instarem Amaze can link to 5 mastercards!

 

Really?

wise card : exchg rate is Mid-market

https://www.singsaver.com.sg/credit-card/blog/best-multi-currency-cards

 

 

Pros

• Mid-market exchange rates with low conversion fees

• Hold and manage 40+ currencies

• International transfers and local bank details for receiving money

Cons

• Free ATM withdrawals are limited

 

 

 

 

Revolut ATM wdrawal Fee https://www.facebook.com/groups/seedlyfinance/posts/3420533764904632/ & wkend F/x rates : 
& this feature is it so critical to have?

On 11/18/2025 at 8:49 PM, ljh said:

Revolut card has a feature for disposable virtual cards (can only be used one time) for online shopping to prevent the user information from being stolen 👍.

 

 

 

sbj to updating:

https://blog.seedly.sg/multi-currency-comparison-singapore/

 

 

 

 

https://www.facebook.com/groups/seedlyfinance/posts/3420533764904632/

 

 

Trust card 

https://www.you.co/sg/blog/best-multi-currency-cards-singapore/

seemed like youtrip got the best rate: