Until 2018, getting foreign currency in Singapore meant a Mustafa or Lucky Plaza queue. Since the wave of multi-currency apps (YouTrip 2018, Revolut SG 2019, Wise's local entity, Amaze 2021), the calculus has flipped: for most major travel currencies, app-based mid-market-rate cards beat physical changers, skip the queue, and remove cash-loss risk.
We compared the 4 most-used currency-exchange apps in Singapore for 2026 — across exchange rates, card fees, ATM caps, supported currencies, and which is genuinely best for your travel style.
Money changer or multi-currency card?
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 below move more often than people expect. Wise cut its ATM allowance to S$100/month from 1 May 2026, 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.
