7 Best Multi-Currency Cards in Singapore (2026)

The card you pick quietly decides how much your trip costs.

Whether you’re travelling, shopping online, or sending money overseas, the right multi-currency card can save you serious cash. We’re talking better exchange rates, fewer fees, and no more 2.5–3.5% foreign transaction charges quietly added by your bank.

In this guide, we break down the 7 most popular multi-currency cards available to Singaporeans: YouTrip, Revolut, Wise, Amaze, Trust Bank, DBS Multi-Currency Account, and UOB FX+ – so you can figure out which one works best for you and your travel and spending style.

Stay Up To Date:
– SGD To MYR Rate Today: Best Exchange Rates, Forecast & Where to Change Money
– SGD To Yen Guide: Capitalising On The Japanese Yen
– Best SGD to EUR Rate in Singapore

TL;DR: Best Multi-Currency Cards at a Glance

Card	Best For	FX Fees	Free ATM Withdrawal	Annual Fee	Key Benefit
YouTrip	Overall savings & travel	None	S$400/month (2% fee thereafter)	Free	No FX fees + wholesale exchange rates
Wise	International transfers	None (conversion fee from 0.26%)	S$100/month from 1 May 2026 (1.75% fee thereafter)	Free	40+ currencies supported
Revolut	Budgeting & crypto	0% weekdays, 1% weekends	S$350/month or 5 withdrawals (2% fee thereafter)	Free to S$219/year	30 currencies + crypto trading
Amaze	Credit card linking	None from wallet; ~2.1% FX spread via linked card	None free (2% fee)	Free	Link 5 cards + InstaPoints
Trust Bank	Local savings	None	Unlimited free	Free	Up to 2.40% p.a. savings interest
DBS Multi-Currency Account	DBS ecosystem users	3.25% when spending in unsupported currencies	S$7 per withdrawal (free at Westpac AU & DBS HK only)	Free	Seamless DBS integration
UOB FX+	0% FX fees, no top-up needed	Zero	Free at UOB ASEAN ATMs; S$5 + 2.5% at non-UOB ATMs	Free (waived first 3 years; waived with 12+ txns/year thereafter)	Tap-and-go with no wallet to manage

YouTrip offers the best combination of zero fees, wholesale rates, and S$400 free ATM withdrawals monthly.

Table of Contents:

1. What’s A Multi-Currency Card?
2. What To Look For In A Multi-Currency Card
3. Best Multi-Currency Cards In Singapore (2026)
4. How To Choose: Which Card Is Right For You?
5. Real-Life Comparison: Buying a YSL Bag in France
6. Pros & Cons Overview
   • YouTrip
   • Revolut
   • Wise
   • Amaze
   • Trust Bank
   • DBS MCA
   • UOB FX+
7. Still Deciding? Here’s the Short Version.
8. Frequently Asked Questions (FAQ)

What’s A Multi-Currency Card?

Image Credits: Her World Singapore

A multi-currency card is a prepaid travel card or app-linked card that lets you:

• Spend in multiple currencies with low or no FX fees
• Lock in good exchange rates ahead of time
• Withdraw money at overseas ATMs
• Send money internationally
• Avoid carrying large amounts of cash

These cards often support contactless payment, top-ups via PayNow or card, and even include budgeting tools or cashback rewards. But which one’s right for you? Let’s dive in

Related Guide: Best Singapore Credit Card: Miles, Cashback & Travel Compared

What To Look For In A Multi-Currency Card:

We evaluated 7 cards available to Singapore residents as of May 2026 across five criteria: exchange rates, fees, ATM access, supported currencies, and features. Exchange rates in our real-life comparison were pulled live on 26 Apr 2026.

1. Competitive Exchange Rates

If you travel often, small rate differences can add up fast. Look for cards that use wholesale rates like YouTrip — these are close to the rates you see on Google, XE.com, and other financial sites.

Fun fact: These foreign exchange rates are used by banks, large corporations, and public and private institutions for large-volume currencies.

Want to get into the specifics? Check out this Mastercard Calculator for Wholesale Exchange Rates.

2. Transparent Fees

Some cards come with hidden charges that can sneak up on you:

• Annual Fees: Some cards charge a monthly or annual fee for premium plans. Consider whether the extra benefits justify the cost.

• Foreign Exchange Mark-ups: Some cards charge a foreign transaction or currency conversion fee of up to 3.5% when you’re paying in foreign currency.

• Overseas ATM Withdrawal Fees: Most multi-currency cards charge a fee for overseas ATM withdrawals — but some offer free monthly withdrawals. Choose a card that lets you withdraw your money hassle-free.

• Remittance Fees: If you’re sending money to friends/family overseas, some wallets charge a fee of up to 3% when transferring funds to other accounts.

• Top-Up Fees: Top-up fees may reach as high as 2% and can vary depending on the top-up method.

3. Wallet & Spending Limits

Some cards cap your top-up or annual usage — which can be frustrating if you’re shopping or travelling big.

• YouTrip, Revolut, and Wise: Up to S$20,000 top-up and S$100,000 annual limit.
• Amaze: Slightly lower at S$15,000 top-up.
• DBS and UOB: Linked to your existing bank account — no separate top-up wallet limit.

4. Features, Rewards & Extras

Much like your traditional credit cards (beyond good FX rates), multi-currency cards also offer exclusive rewards and bonuses such as:

• Exclusive cashback & deals (YouTrip, Amaze)
• Travel insurance (YouTrip, Revolut, Trust Bank)
• Loyalty points (Amaze InstaPoints)
• Budgeting tools (Revolut)
• Crypto & savings (Revolut, Trust Bank)
• Bank integration (DBS, UOB)

5. Watch Out for Dynamic Currency Conversion (DCC)

This one catches a lot of travellers off guard. When paying overseas, you’ll sometimes be asked: “Pay in SGD or local currency?” Always choose the local currency.

If you pay in SGD, a practice called Dynamic Currency Conversion (DCC), the merchant’s bank controls the exchange rate, not your card. That rate is almost always 3–5% worse than what your multi-currency card would charge. Even a zero-fee card like YouTrip can’t protect you if you opt into DCC.

The rule: Always decline DCC. Always pay in local currency. Your card handles the conversion at a far better rate.

Related Guide: Best Miles Card in Singapore: Top 9 Credit Cards Compared

Best Multi-Currency Cards In Singapore (2026)

Here’s a detailed comparison between the most popular options when it comes to overseas spending — YouTrip, Revolut, Wise, Amaze, Trust Bank, DBS, and UOB FX+:

Feature	YouTrip	Revolut	Wise	Amaze	Trust Bank	DBS MCA	UOB FX+
Wallet Currencies	12	30	40	11		12 foreign + SGD	10 spendable foreign currencies + SGD
Annual Fees	None	Standard: Free; Premium: S$10.99/mo or S$109/yr; Metal: S$21.99/mo or S$219/yr	None	None	None	None	S$18.34/yr (waived first 3 years; waived with 12+ txns/yr)
Transaction Fees	None	Weekdays: 0% (within plan limit); Weekends: 1%	None; conversion fee from 0.26%	FX: 0%; SGD domestic: 1% (min. S$0.50)	None	None for 12 supported currencies; 3.25% when spending in unsupported currencies	None
Exchange Limit & Fair Usage	None	Standard: S$5,000/mo, 1% after; Premium: S$15,000/mo, 0.5% after; Metal: No limit	None	None		N/A	N/A
Overseas ATM	S$400/mo free; 2% after	Standard: S$350 or 5 withdrawals/mo free; 2% after	S$100/mo free (from May 2026); 1.75% after	2% on all amounts	Unlimited free	S$7 per withdrawal (free at Westpac AU & DBS HK only)	Free at UOB ASEAN ATMs; S$5 + 2.5% at non-UOB ATMs
Remittance	Variable fee in-app	Variable fee in-app	From 0.26%	From 0.4%		Variable fee
Perks	Cashback, YouTrip Perks, travel insurance	Budgeting, Crypto, travel insurance	—	InstaPoints	Savings interest up to 2.40% p.a.	DBS ecosystem rewards	S$5 cashback on first 4 overseas ATM withdrawals/year

Related Guide: How to Get the Best Exchange Rate in Singapore

How To Choose: Which Card Is Right For You?

The right card comes down to how you actually use it. A few questions to narrow it down:

• Do you travel at least a few times a year? Prioritise exchange rates and ATM withdrawals over everything else. Cards like YouTrip with zero FX fees and wholesale rates save the most over time — especially if you’re withdrawing cash regularly overseas.

• Do you send money home or to friends abroad? Look at remittance fees and transfer rates separately from spending rates. Some cards are strong on one and weak on the other.

• Do you want to keep earning rewards on your existing credit card? A card that links to your Mastercard (like Amaze) lets you stack rewards without paying FX fees — though you trade off on exchange rates.

• Are you already with DBS or UOB? Their multi-currency options are convenient but come with overseas ATM fees — worth knowing before you assume it’s the free option.

• Do you mainly spend locally with the odd trip abroad? Savings interest and local perks matter more than FX rates in that case.

For most people, the biggest savings come from getting the exchange rate right — and that’s where wholesale rates (used by YouTrip) have a consistent edge over mid-market or interbank rates, which can still carry small spreads depending on the card and currency. If you remit frequently, Wise’s transfer fees are hard to beat for that specific use case.

Related Guide: YouTrip vs Credit Cards: Which Is Better for Overseas Spending?

Real-Life Comparison: Buying a YSL Bag in France

Image Credits: YSL

The Bag In Question: Le 5 À 7 In Smooth Leather

Let’s start off by looking at one of the most popular YSL handbags — the classic 5 to 7 bag. Currently, this iconic bag is 2,000 EUR (~S$2,999.62) in France — way cheaper compared to Singapore’s price of S$3,390. However, depending on your card’s FX rate and fees, the final cost may vary.

	YouTrip	Revolut	Wise	Amaze	Trust Bank	DBS MCA	UOB FX+
Current Exchange Rates (1 SGD =)	0.6712 EUR	0.6711 EUR	0.6698 EUR	0.6709 EUR	0.6686 EUR	0.6652 EUR	0.6624 EUR
Total Cost Of YSL Le 5 À 7 In Smooth Leather  Bag	~S$2,985.96	~S$2,986.85	~S$2,993.11	~S$2,987.75	~S$3,003	~S$3,012.95	~S$3,024.34

*Rates taken as of 19 May 2026

Pros & Cons Overview

YouTrip

Best for: No FX fees, solid exchange rates, and the most generous free ATM withdrawals on this list.

What is YouTrip?

YouTrip is a multi-currency wallet and travel card that gives you access to favourable exchange rates for 150+ countries worldwide with zero fees, and lock in 12 popular in-app currencies.

Pros:

• Competitive real-time wholesale exchange rates
• Free S$400 ATM withdrawal/month – highest on the list
• Cashback + perks via YouTrip Perks
• In-app travel insurance via HLAS & eSIM data plans
• Great for shopping, travel, and remittances

Cons: 

• Limited to 12 in-app currencies
• No budgeting tools

Related Guide: YouTrip: Everything You Need To Know

Revolut

Best for: Budgeting & Crypto

What is Revolut?

Image Credits: Capture the Atlas

Launched in 2015, Revolut is a digital banking app with a multi-currency card that offers interbank exchange rates. Revolut enables you to lock in 30+ currencies and spend in 130+ countries. Revolut accounts range from a free Standard plan to a paid Metal plan with more perks.

Pros:

• 30 wallet currencies 
• Free and premium plans available
• Useful budgeting and analytics tools
• Access to crypto trading

Cons:

• Monthly fees up to S$21.99 for premium tiers
• 1% weekend FX fee applies regardless of plan
• Standard plan exchange capped at S$5,000/month before 1% fair usage fee kicks in
• Higher top-up fees for Visa credit cards (1.97%) and international cards (2.08%)

Related Guide: Revolut vs YouTrip Singapore

Wise

Best for: Transfers

What is Wise?

Image Credits: Wise

Previously known as TransferWise, Wise is a global money transfer and multi-currency account provider. It lets you hold 40+ currencies and make low-cost transfers to over 160 countries at mid-market exchange rates.

Pros:

• Mid-market exchange rates and transparent fees
• Supports the widest range of currencies (40+)
• Reliable global transfers to 160+ countries

Cons:

• Currency conversion fees start from 0.26% onwards
• Free ATM withdrawals drop to S$100/month from 1 May 2026 (1.75% fee after)
• Exchange rates may not be the most competitive for everyday spending vs. YouTrip

Related Guide: YouTrip vs Wise

Amaze

Best for: Linking Mastercard credit/debit and earning InstaPoints

What is Amaze?

Image Credits: Instarem

Powered by Instarem, the Amaze card is a multi-currency debit card that links up to 5 Mastercard credit/debit cards. It offers competitive FX rates, rewards on spend, and 0% foreign transaction fees.

Pros:

• Link up to 5 Mastercard debit/credit cards
• Better FX spread than most bank credit cards (~2.1% vs 3.25–3.5%)
• Earn InstaPoints on wallet-funded spend

Cons:

• ~2.1% FX spread on overseas transactions via linked card — better than banks, but not zero
• 1% fee on SGD transactions via linked card (min S$0.50)
• No free ATM withdrawals (2% on all amounts)
• InstaPoints no longer earned on linked card spend (changed March 2025)

Related Guide: YouTrip Vs Amaze

Trust Bank

Best for: Local savings & credit rewards

What is Trust Bank?

Image Credits: Trust Bank

Backed by Standard Chartered and FairPrice Group, Trust Bank is a full digital bank offering two card options — the Trust Link Card and the NTUC Link Card (exclusively for NTUC Union members). Unlike typical multi-currency cards, Trust is structured more like a savings account.

Pros:

• Competitive savings interest (up to 2.40% p.a. with Flex Plan)
• No FX or ATM fees
• NTUC reward ecosystem

Cons:

• Can’t lock in FX rates — not ideal when rates drop
• Not suited for frequent overseas spending
• No remittance or international transfer features
• Late payment fees: S$100 + accrued interest if overdue

Related Guide: Trust Card Vs YouTrip

DBS Multi-Currency Account

Best for: DBS/POSB customers who want a simple, no-fuss option

What is the DBS Multi-Currency Account?

Image Credits: DBS

The DBS Multi-Currency Account (MCA) is a bank account and debit card combo that lets existing DBS/POSB customers hold and transact in 12 foreign currencies (including USD, EUR, GBP, AUD, JPY, HKD, CAD, NZD, CHF, NOK, SEK, and THB) without FX fees on supported currencies. There’s no new app to download, no wallet to top up. Just link it to your DBS Visa Debit card and spend directly from your digibank account.

Pros:

• 12 foreign currencies with 0% FX fees on card spend (CNH not available for card transactions)
• No top-up wallet needed, spend directly from your DBS account
• No separate app — works within the DBS digibank app you already use
• No annual fee

Cons:

• Only available to existing DBS/POSB customers
• 3.25% foreign transaction fee applies to unsupported currencies
• S$7 overseas ATM fee at most locations (free only at Westpac Group ATMs in Australia and DBS Hong Kong)
• Exchange rates may not match YouTrip’s wholesale rates
• No dedicated remittance features outside standard DBS transfers

Related Guide: DBS Multi-Currency Account Guide

UOB FX+

Best for: UOB cardmembers who want 0% FX fees without managing a wallet

What is UOB FX+?

Image Credits: UOB

The UOB FX+ Debit Card is UOB’s answer to multi-currency spending, covering 10 spendable foreign currencies (USD, EUR, GBP, AUD, JPY, HKD, CHF, CAD, NZD, and CNH*) with 0% FX fees. Unlike fintech wallets, you don’t need to top up a separate balance — it draws directly from your UOB account. Tap and go, no prep needed.

CNH is held in the account but cannot be used for POS transactions, online payments, or ATM withdrawals.

Pros:

• 0% FX fees on 10 spendable foreign currencies
• No top-up required, linked directly to your UOB account
• Seamless tap-and-go worldwide
• Annual fee waived for first 3 years; ongoing waiver with 12+ Mastercard transactions/year
• Free ATM withdrawals at UOB ASEAN ATMs

Cons:

• Only available to UOB customers (requires eligible UOB SGD account)
• S$5 flat fee + 2.5% admin fee at non-UOB overseas ATMs
• S$18.34 annual fee applies if fewer than 12 transactions/year (after the first 3 years)
• Limited to 10 spendable currencies vs. 30–40 for fintech options
• No remittance or crypto features

Related Guide: UOB FX+ Review

Why Most Singaporeans Choose YouTrip

If you want a no-fuss, cost-saving travel card, YouTrip checks all the boxes:

• No FX fees
• Real-time wholesale rates
• Travel insurance & eSIM data plans
• Cashback perks
• Strong remittance rates with transparent fees

It’s the best multi-currency card for most Singaporeans — whether you’re backpacking, shopping in Europe, or just skipping the money changer queue.

But hey, every card has its strengths:

• Wise: Best for frequent international transfers and holding 40+ currencies
• Revolut: Ideal if you love financial tools and crypto
• Amaze: Great for linking your credit cards and earning InstaPoints
• Trust Bank: Better for local savings with limited overseas features
• DBS Multi-Currency Account: Best for DBS users who want zero friction — just watch the S$7 ATM fee overseas
• UOB FX+: Best for UOB users who want 0% FX with no wallet to manage — annual fee waived for the first 3 years

Stop Paying Your Bank to Go on Holiday

Find a card that suits your needs best — whether you’re looking for the best rates in town or one with zero fees.

Not a YouTrooper yet? Singapore’s go-to multi-currency wallet helps you save with great FX rates and zero fees. Skip the money changer and get a free YouTrip card + S$5 YouTrip credits with code <YTBLOG5>.

Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more!

Happy travels!

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