Which multi-currency card is genuinely best in Singapore? We compare YouTrip, Revolut, Wise and Amaze on exchange rates, plan prices, overseas ATM allowances and the fees each one hides, all re-checked against the providers' own pages on 8 September 2026.
Multi-currency cards now beat the money-changer queue on most major travel currencies.
> Quick view: YouTrip for overseas cash (S$400/month fee-free at ATMs), Wise for the cheapest conversion (from 0.19%), Revolut for the widest currency list, Amaze to keep your credit card's miles. None of the four charges an annual fee.
Default pick for SG travellers since 2018. Mastercard multi-currency card with no annual fee and no minimum balance. Holds 12 wallet currencies and advertises 0% FX fee on overseas spend at its in-app rate, usable in 150+ countries. The best overseas ATM deal here: S$400 in foreign currency per calendar month free, then 2% on the excess, inside a S$5,000 daily withdrawal cap (S$2,500 in Malaysia). The quota resets at midnight SGT on the 1st and does not carry forward. Overseas machines only: YouTrip does not support withdrawals at Singapore ATMs. Top-ups are free by PayNow, linked bank account, Mastercard credit or debit and Visa debit; a Visa credit card costs 1.5%. Card replacement and delivery is S$10.
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Global fintech; SG entity since 2019. Four personal tiers: Standard free, Premium S$10.99/month, Metal S$21.99/month and Ultra S$89.99/month. Exchanges 30+ currencies in-app and spends or sends in 50+. Standard converts up to S$5,000/month with no extra fee and 1% above that, plus a 1% surcharge outside FX market hours (Friday 5pm to Sunday 6pm New York time), which Premium and above avoid. Premium lifts the exchange allowance to S$15,000/month with 0.5% above it, and Metal and Ultra have no exchange limit. Overseas ATMs on Standard: S$350 or 5 withdrawals free per rolling month, then 2% or S$1.49, whichever is higher, rising to S$700 on Premium, S$1,050 on Metal and S$3,500 on Ultra. Revolut's own fees page states that ATM withdrawals are not permitted in Singapore. Card delivery costs S$4.99 on Standard and is free express on the paid tiers; Metal and Ultra add 1.5% cashback on card payments, monthly cap applies. Topping up from a Singapore bank account is free, but card top-ups carry a surcharge after the first one: 0.51% from a Singapore-issued Mastercard debit card, 0.30% from a Visa debit card. Crypto, stocks and vaults sit in the same app.
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Started as TransferWise, and still the best at sending money internationally, typically far cheaper than a bank wire. Conversion starts from 0.19% at the real mid-market rate, the lowest here. Holds 40 currencies, with local account details for receiving in 22 of them on its pricing page, though its account page still says 20. The debit card has no annual or subscription fee but costs a one-time S$8.50 to order. ATM: free up to S$100/month, then 1.75%. Note that Singapore-issued Wise cards cannot withdraw at local SG ATMs, and that topping up external e-wallets through Wise carries a 2% fee.
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Multi-currency card from Instarem with an 11-currency wallet (SGD plus EUR, USD, JPY, THB, GBP, AUD, CHF, NZD, CAD and MYR). It runs in two modes and the difference matters. Spend from the Amaze wallet and Instarem's fee table shows no FX markup and no transaction fee, and you earn 0.5 InstaPoint per S$1 (1,200 InstaPoints convert to 400 KrisFlyer miles). Link up to five Singapore-issued Mastercards instead and Amaze charges them as you spend, so that card's miles or cashback still earn, but foreign transactions then carry up to a 2.1% FX spread and local SGD transactions carry 1% (minimum S$0.50). Overseas ATM withdrawals cost 2%, capped at S$1,000 a day, and run off the wallet balance, so amaze Link on its own cannot fund a cash withdrawal. Card issuance is free, replacement and delivery S$9, and wallet top-ups are free by PayNow or linked bank account but cost 1.5% (minimum S$0.50) through Apple Pay.
amaze Best of Both Worlds, 8 Sep to 20 Oct 2026: apply with a referral code and 1,000 InstaPoints land on approval (first 2,500 users), plus 1,000 more once you spend an extra S$500 in foreign currency by the end of the month after the promo (first 1,200 users). Instarem's table prices the 2,000 points together at S$25 cashback. Wallet top-ups coded MCC 6540 do not count towards the spend. Existing cardholders: 1,000 points for S$1,000 of foreign spend in the window, first 1,000 users.
Code: AMAZE25
Valid till 20 Oct 2026
| Card | Conversion cost | Fee-free overseas ATM per month | Over the ATM limit | Plan cost |
|---|---|---|---|---|
| YouTrip | 0% FX fee at YouTrip's own in-app wholesale rate | S$400 (calendar month, no carry-forward) | 2%, within a S$5,000 daily cap | Free |
| Revolut Standard | Free to S$5,000/month, then 1%; plus 1% outside FX market hours | S$350 or 5 withdrawals (rolling month) | 2% or S$1.49, whichever is higher | Free; Premium S$10.99, Metal S$21.99, Ultra S$89.99 a month |
| Wise | From 0.19% on the real mid-market rate | S$100 | 1.75% | Free; S$8.50 one-off for the card |
| Amaze wallet mode | No FX markup, no transaction fee | None | 2%, capped at S$1,000 a day | Free |
| Amaze linked-card mode | Up to 2.1% FX spread abroad, 1% (min S$0.50) on local SGD | None (Link cannot fund a withdrawal) | n/a | Free |
Physical changers at Mustafa, The Arcade and Lucky Plaza have not gone away, and for a few things they are still the right answer: Indonesian Rupiah and Vietnamese Dong, small amounts you want in hand before you fly, and cash for tipping or for stalls that take nothing else. For the major currencies most Singaporeans actually travel on (USD, EUR, GBP, AUD, JPY, KRW, THB), a card converting at or near the mid-market rate now usually comes out ahead once you count the trip down to the changer and the risk of carrying the cash.
The fees above move more often than people expect. Wise cut its ATM allowance to S$100/month from 1 May 2026, Revolut raised Premium to S$10.99/month and added an Ultra tier, and Amaze added a 1% fee on local SGD spend through a linked card back in March 2025. Check the provider's own fee page before a big conversion.
Live this month: Instarem is running its amaze Best of Both Worlds promotion from 8 September to 20 October 2026. Apply with referral code AMAZE25 (five other codes work too) and 1,000 InstaPoints land on approval, with another 1,000 once you have spent an extra S$500 in foreign currency by the end of the month following the promotion period. Instarem's own table prices the 2,000 points together at S$25 cashback. Read the caps before counting on it: the instant points go to the first 2,500 sign-ups and the bonus to the first 1,200, and wallet top-ups coded MCC 6540 do not count towards the qualifying spend. Existing cardholders get 1,000 points for S$1,000 of foreign-currency spend inside the window, first 1,000 users.
There is no single winner. The best multi-currency card depends on whether you want cash, rewards, or the cheapest conversion:
This is the number people most often get wrong, because three of the four providers moved it in the past eighteen months. Fee-free withdrawal per calendar month, before each provider's own charge starts:
The ATM operator's own fee sits on top of every one of these, which is why cash-heavy trips to Japan or Vietnam favour the card with the biggest allowance rather than the one with the best conversion rate.
This is the most common surprise, and it is not a Wise quirk. Wise's pricing page states that Wise cards cannot be used for local ATM withdrawals in Singapore. Revolut's Standard fees page says ATM withdrawals are not permitted in Singapore. YouTrip's help centre says it does not support withdrawal from local ATMs in Singapore, because the card is meant for overseas spending. Amaze describes its cash withdrawals as overseas only. Every allowance above is an overseas figure, so keep your own bank's card for cash at home.
Most people land here already holding one card and wondering whether a second is worth it. The pairings that actually come up:
One name that comes up alongside these four is iChange, and it is a genuinely different animal, worth understanding before you compare it on rates alone. YouTrip, Revolut, Wise and Amaze all convert currency themselves at or near the mid-market rate. iChange is a money-changing marketplace: it puts the live rates of several licensed Singapore money changers side by side on one dashboard, lets you pick the best one and buy online, and it also runs a multi-currency wallet, overseas remittance and bill payments in the same app. Its own site says it can process around 50 currencies.
That makes the comparison less about who is cheaper and more about what you are trying to do. If you want physical notes, and especially the thin currencies where changers still beat cards, like Indonesian Rupiah and Vietnamese Dong, iChange is doing the shopping-around for you that you would otherwise do on foot at The Arcade. If you want to tap a card overseas and never think about it, YouTrip is still the simpler answer, and it is the one with the largest fee-free overseas ATM allowance here. Plenty of people sensibly use both.
If you already have YouTrip and want a second card that does something it does not: Wise for cheaper conversion and real international transfers, Amaze (Instarem) to keep earning on a miles credit card, Revolut for currencies outside YouTrip's 12-currency wallet, and iChange if what you actually want is the best cash rate from a physical changer without walking the row of shops. And for Indonesian Rupiah, Vietnamese Dong, or notes in hand before you fly, a physical changer at Mustafa, The Arcade or Lucky Plaza is still the answer.
*Fees and limits re-verified against each provider's own pages on 8 September 2026. Four things changed since the last check. The biggest is a correction: not being able to draw cash at a Singapore ATM is not a Wise-only restriction, as we previously implied. Revolut's Standard fees page and YouTrip's help centre both say the same of their own cards, and Amaze's withdrawals are described as overseas only, so we have rewritten that FAQ and added a section on it. Wise's pricing page now lists account details for receiving in 22 currencies rather than 20, a number its own account page has not caught up with. Revolut has moved its plans page to /our-pricing-plans/, prices over-limit overseas ATM withdrawals at 2% or S$1.49 (whichever is higher) on a rolling month rather than a calendar one, and publishes a Premium exchange allowance of S$15,000/month with 0.5% above it, against no limit at all on Metal and Ultra. Instarem launched its amaze Best of Both Worlds promotion on 8 September, running to 20 October. Re-confirmed unchanged: YouTrip's 12-currency wallet, 150+ countries and S$400/month fee-free overseas ATM allowance on you.co, whose help centre adds the S$5,000 daily cap (S$2,500 in Malaysia) and the S$10 card replacement fee; Wise's 0.19% conversion floor, S$8.50 card, S$100/month ATM allowance and 1.75% thereafter on wise.com; Revolut's S$10.99, S$21.99 and S$89.99 tiers and its S$350, S$700, S$1,050 and S$3,500 ATM ladder on revolut.com; Amaze's 11-currency wallet, five linked Singapore Mastercards, up to 2.1% linked-card FX spread and 1% SGD fee (minimum S$0.50) on instarem.com/fees. Fintech fee terms move often, so check the provider's own fee page before a large conversion.*
For most major currencies (USD, EUR, GBP, AUD, JPY, KRW, THB), yes. Cards beat Mustafa, The Arcade and Lucky Plaza on rates by roughly 0.1% to 0.5%. Physical changers still win for Indonesian Rupiah, Vietnamese Dong, and cash for tipping.
None of them charge an annual fee. YouTrip and Amaze are free to get. Wise has no annual or subscription fee but charges a one-time S$8.50 to order the physical card. Revolut runs four personal tiers in Singapore: Standard is free, Premium S$10.99 a month, Metal S$21.99 a month and Ultra S$89.99 a month. Revolut Standard also charges S$4.99 for card delivery.
Usually nothing, but the exceptions matter when you are loading a whole trip's budget. YouTrip is free by PayNow, linked bank account, Mastercard credit or debit and Visa debit, and charges 1.5% only on a Visa credit card top-up. Amaze is free by PayNow or linked bank account but charges 1.5% (minimum S$0.50) to top the wallet through Apple Pay. Revolut is free from a Singapore bank account and your first card top-up is free, after which its Standard fees page applies a surcharge: 0.51% from a Singapore-issued Mastercard debit card, 0.30% from a Visa debit card, 1.12% from a commercial debit card and 2.08% from an international one. Wise prices each transfer by funding method at the time you set it up. Losing the card costs S$10 at YouTrip and S$9 at Amaze.
Wise is the most transparent and usually the cheapest, from 0.19% on top of the real mid-market rate. YouTrip advertises 0% FX fee on overseas spend at its own in-app rate. Revolut Standard converts up to S$5,000 a month with no extra fee and charges a 1% fair usage fee above that; Premium raises the limit to S$15,000 with 0.5% above it, and Metal and Ultra have no exchange limit at all. Revolut also adds a 1% surcharge for exchanging outside FX market hours (Friday 5pm to Sunday 6pm New York time), which Premium and above skip. Amaze is markup-free only when you spend from its own wallet; foreign spend charged to a linked bank card carries up to a 2.1% FX spread, and local SGD transactions through a linked card carry 1% (minimum S$0.50).
Only in one of its two modes, and this trips a lot of people up. Spend from the Amaze wallet, which you top up yourself, and Instarem's own fee table shows no FX markup and no transaction fee. Spend through a linked Mastercard instead, which is the mode people sign up for because it keeps their credit card's miles, and the same table prices foreign transactions at up to a 2.1% FX spread. Instarem's framing is that the 2.1% replaces the bank's own overseas admin fee of up to 3.5%, so it is still cheaper than putting the card through directly, but it is not mid-market and it is not free.
YouTrip, at S$400 in foreign currency per calendar month, with 2% on anything above it. The quota resets at midnight SGT on the 1st and does not carry forward, and there is a S$5,000 daily withdrawal cap, S$2,500 for withdrawals made in Malaysia. Revolut Standard is next at S$350 or 5 withdrawals per rolling month, whichever comes first, then 2% of the amount or S$1.49, whichever is higher, rising to S$700 on Premium, S$1,050 on Metal and S$3,500 on Ultra. The clocks differ: YouTrip's is the calendar month, Revolut's is a rolling one. Wise allows only S$100 a month, then 1.75%. Amaze has no fee-free allowance at all: overseas withdrawals cost 2% and are capped at S$1,000 a day. The ATM operator's own fee sits on top of every one of these.
No, and this is the point most comparisons get wrong, because it is not a Wise-only rule. Wise's own pricing page states that Wise cards cannot be used for local ATM withdrawals in Singapore. Revolut's Standard fees page says plainly that ATM withdrawals are not permitted in Singapore. YouTrip's help centre says it does not support withdrawal from local ATMs in Singapore because the card is meant for overseas spending. Amaze's cash withdrawals are described as overseas only as well. Every allowance on this page is an overseas number. For cash at home, use your own bank's card.
Pros: near mid-market rates, no annual fee on any of the four, instant top-up by PayNow, no queue at a changer, and no risk of losing a wad of cash. Cons: they are e-money accounts, not bank accounts, so balances are not covered by SDIC deposit insurance; rates on thin currencies like IDR and VND are often worse than a physical changer's; a few merchants and older ATMs still reject prepaid cards; and the fee terms change frequently. Wise cut its ATM allowance in May 2026, Revolut raised Premium to S$10.99 a month and added an Ultra tier, and Amaze added a 1% SGD fee in March 2025. Hold only what you plan to spend on the trip.
They solve different problems. YouTrip is a prepaid multi-currency wallet: you top it up by PayNow, it holds 12 currencies, and it gives you S$400 a month fee-free at overseas ATMs. Instarem's Amaze card holds no float of yours by default. You link up to five Singapore-issued Mastercards and it charges them at the moment you spend, so your own card's miles or cashback still earn on the overseas transaction, at a cost of up to a 2.1% FX spread. Get YouTrip if you want to pre-load a travel budget and pull cash abroad. Get Amaze if you already hold a good miles or cashback card and the rewards are worth more to you than that spread. There is a local catch either way: since March 2025, SGD transactions paid through a linked card carry a 1% fee (minimum S$0.50), so Amaze is a travel tool rather than an everyday-in-Singapore one.
Neither is strictly better, because they do different jobs. iChange is a money-changing marketplace: it shows you the live rates of several licensed Singapore money changers side by side so you can pick the best one and buy online, and it says it handles around 50 currencies. YouTrip is a card you tap overseas. If you want physical cash, particularly Indonesian Rupiah or Vietnamese Dong where changers still beat cards, iChange saves you walking the shops at The Arcade. If you want to spend abroad without carrying notes, and to draw S$400 a month from overseas ATMs fee-free, YouTrip is the simpler tool. Using both is a perfectly reasonable setup.
