A thorough look at how Revolut Business, YouBiz and the WorldFirst World Account handle multi-currency accounts, cards and international transfers for Singapore businesses
Key takeaways
- Revolut Business ties FX allowances and card allowances to four paid plan tiers, from S$0 on Basic to S$417/month on Enterprise in annual billing, with monthly FX allowances ranging from S$1,500 to S$250,000
- YouTrip is a personal multi-currency wallet suitable for international and travel spending, and YouBiz is its business counterpart
- YouBiz carries a monthly fee of S$0 and currently supports 8 local currency accounts, with a 0% FX fee and unlimited 1% cashback on card spending
- The World Account also carries a monthly fee of S$0, but applies per-transaction charges on specific routes: US$1 on select local currency transfers and from US$5 on SWIFT transfers
- World Account integrates with 130+ marketplaces and payment gateways including Amazon, Shopee, Shopify and PayPal
Singapore businesses handling international payments have more multi-currency options now than a few years ago. Three of the most-searched are Revolut Business, YouBiz and the World Account by WorldFirst. Each offers a multi-currency account, cards for business spending, and international transfer support, but they are also all structured differently in terms of fees, currencies, cards and integrations.
This comparison covers what Revolut Business, YouBiz and the World Account each offer Singapore businesses, and how they differ across the areas that shape day-to-day use: local currency accounts, international transfers, currency conversion, cards, marketplace integrations and pricing.
What is Revolut?
Revolut is a financial technology company offering both personal and business accounts. In Singapore, its business offering, Revolut Business, is suitable for companies managing business finances and international payments.
Revolut Business for Singapore comes with a multi-currency account and corporate cards. The cards are linked to the Revolut Business account and can be in physical, virtual or in metal forms. Its business offering also includes tools and integrations for companies managing payments, expenses and other financial operations across the stack.
→ Go through the full Revolut Business Singapore review for more details and the top Revolut Business alternatives in Singapore
What is YouTrip/YouBiz?
YouTrip is a personal multi-currency wallet for individuals in Singapore, designed for international spending and travel.
The YouTrip card is available in physical and virtual formats and supports Apple Pay and Google Pay. It is designed for individuals travelling overseas or making international purchases.
YouBiz is YouTrip’s business account for companies in Singapore. YouTrip refers to the personal product while YouBiz is for businesses looking for a business account and cards for managing company spending. YouBiz’s multi-currency cards come as both physical and virtual cards.
→ Go through the full YouBiz account review for more details
What is WorldFirst?
WorldFirst is an international payments provider that serves businesses across multiple markets, including Singapore. It has tools designed for handling international payments, receiving funds from global marketplaces, and holding foreign currency balances.
For Singapore businesses, WorldFirst offers two connected products: the World Account and the World Card. The World Account is a multi-currency account for receiving, holding, converting and sending funds in 20+ currencies, with local receiving account details for supported currencies.
The World Card is a Mastercard-powered virtual card linked to the World Account, used to spend directly from multi-currency balances at 150+ currencies wherever Mastercard is accepted.
Revolut vs YouBiz vs WorldFirst: Feature comparison
The following table compares Revolut vs YouTrip and WorldFirst across the key features available to businesses in Singapore.
| Feature | Revolut Business | YouBiz | World Account |
| Local currency accounts | Yes, 30+ currencies2 | Yes, 8 currency accounts5 | Yes, 20+ currencies |
| International transfers and currency conversion | Yes, send and receive 30+ currencies, with transfers to 150+ currencies2 | Yes, local FAST transfers and overseas transfers; supports receiving, holding and exchanging currencies through its 8 currency accounts5 | Yes, send payments in 100+ currencies to 200+ countries and territories; currency conversion available through the World Account |
| Marketplace and payment gateway integration | Partial, with e-commerce integrations including Shopify, WooCommerce, BigCommerce, OpenCart and PrestaShop; marketplace payout receiving not specified3 | Not publicly disclosed in the sources reviewed | Yes, receive payouts from 130+ marketplaces and payment gateways, including Amazon, Shopee, Shopify and PayPal |
| Multi-currency cards | Yes, physical, virtual corporate cards, and Metal cards available in Visa and Mastercard4 | Yes, physical and virtual Mastercard corporate cards | Yes, physical and virtual Mastercard virtual debit cards |
“Not specified” reflects the absence of a stated feature on the official pages reviewed.
Feature comparison: Revolut vs YouTrip vs WorldFirst
Local currency accounts
Revolut Business provides a multi-currency account supporting 30+ currencies, with local Singapore account details and SWIFT or BIC details for receiving international payments.2
YouBiz provides 8 local currency accounts: SGD, USD, EUR, GBP, JPY, HKD, AUD and CHF. YouBiz supports receiving funds through these currency accounts, allowing businesses to hold balances in supported currencies.6
WorldFirst provides the World Account, a business multi-currency account with local currency accounts for holding and receiving funds. It supports 20+ currencies, with a USD account plus 14 other local currency accounts available as part of the World Account.
International transfers and currency conversion
Revolut Business supports sending and receiving 30+ currencies and transfers to 150+ destinations. The monthly FX allowance and applicable conversion fees vary by plan.2
YouBiz supports local SGD transfers and overseas transfers, while its currency accounts allow businesses to receive, hold and exchange supported currencies. YouBiz also states that card spending in supported currencies carries a 0% FX fee.5,6
WorldFirst allows businesses to send payments in 100+ currencies across 200+ countries and regions through the World Account. Currency conversion is available through the account, with rates and fees depending on the currencies and transaction.
Marketplace and payment gateway integration
Revolut Business also integrates with accounting platforms including Xero, QuickBooks and NetSuite, as well as e-commerce platforms such as Shopify, WooCommerce, BigCommerce, OpenCart and PrestaShop.3
YouBiz’s current Singapore-facing material does not specify integrations with marketplaces or payment gateways in Singapore, so this feature is not publicly disclosed.
WorldFirst allows businesses to connect World Account receiving accounts to 130+ marketplaces and payment gateways, including platforms such as Amazon, Shopee, Shopify and PayPal.
Multi-currency cards
Revolut Business provides physical, virtual and Metal corporate cards as part of its Business plans. The cards are linked to the multi-currency account and support spending in 150+ currencies, with controls available for managing employee spending.2
YouBiz provides physical and virtual multi-currency cards for business spending. The cards support payments in 150+ currencies, with a 0% FX fee on card spending and unlimited 1% cashback on eligible spending.6
WorldFirst provides the World Card, a card linked to the World Account for spending from its currency balances. The card is available in physical and virtual formats and supports spending in 150+ currencies.
Revolut vs YouBiz vs WorldFirst: Fees comparison
| *Fee type | World Account | Revolut Business7 | YouBiz |
| Account opening fee | Zero | Not specified as a separate fee; Basic plan has a S$0 monthly fee | Not specified in the sources reviewed |
| Monthly fee | Zero | S$0-S$500 | Zero6 |
| Fee for sending payments | Local SGD transfers cost zero; local transfers in USD, MYR, THB, CNH, EUR, GBP, HKD, AUD and NZD cost US$1; SWIFT transfers start from US$5 | 5 no-fee local transfers per month and zero no-fee international transfers in the Basic plan | Local SGD transfers: Zero; international remittance fees vary by currency and transfer tier8 |
| Fee for receiving payments | Zero | Not specified in the sources reviewed | Not specified in the sources reviewed |
| Currency conversion | Up to 0.6% | Zero within the monthly FX allowance; 0.6% beyond the allowance; 1% for exchanges outside FX market hours in the Basic plan | Zero FX fee on card spending across supported currencies; other conversion fees not specified6 |
| Card issuance | Up to 20 virtual cards per business at zero cost | No fee but the account linked to the card may have a monthly fee attached to it | Not specified in the sources reviewed |
*Fees checked in September 2026.
Revolut vs YouTrip vs WorldFirst: What to choose?
Revolut Business, YouBiz and the World Account approach multi-currency accounts in Singapore from three different structural starting points. Revolut Business scales its currency count, transfer allowances and card issuance across four paid plan tiers, so the figures relevant to a given business shift depending on the plan selected.
YouBiz is built around a fixed set of currency accounts and card-spending cashback rather than plan-based allowances. The World Account also carries no monthly fee, but prices specific transfer routes individually instead of a plan allowance.
These differences carry through to currency coverage, marketplace receiving support and how international transfers are charged, each set out in the feature and fee comparisons above. YouTrip sits outside this business comparison altogether, as a personal wallet distinct from YouBiz, its business counterpart.
FAQs
1. Revolut vs YouTrip: what’s the difference?
Revolut, as covered in this article, refers to Revolut Business, a business account with multi-currency balances and corporate cards for teams. YouTrip is a personal multi-currency wallet for individual use, not a business product. The closer business-side comparison to YouTrip is YouBiz, YouTrip’s business account, which carries its own currency accounts, cards and cashback structure.
2. Revolut card vs YouTrip card: how do they compare?
Revolut’s corporate cards are issued under Revolut Business, in physical and virtual formats, with up to 3 physical and 50 virtual cards per team member and FX allowances tied to the account’s plan tier. The YouTrip card is a personal card linked to a wallet supporting 12 wallet currencies and payments in 150+ currencies at 0% FX fees on the Mastercard wholesale rate, with a wallet limit of S$20,000 and an annual spending limit of S$100,000.
The two serve different use cases: Revolut’s corporate cards are built for business team spending, while the YouTrip card is a personal travel and spending card.
3. Which provider supports businesses receiving international payments?
Revolut Business provides local Singapore account details and SWIFT/BIC details for receiving payments, alongside sending to 150+ destinations. YouBiz supports receiving through its currency accounts and a dedicated PayNow QR code for SGD business accounts, though a specific receiving fee is not stated in the sources reviewed. The World Account receives payments from 130+ marketplaces and payment gateways at a stated zero receiving fee.
4. Which provider supports marketplace payouts in Singapore?
The World Account explicitly supports payouts from 130+ marketplaces and payment gateways. Revolut Business lists e-commerce platform integrations, including Shopify, WooCommerce, BigCommerce, OpenCart and PrestaShop, though a specific marketplace payout figure is not stated in the sources reviewed. YouBiz’s sources reviewed do not specify marketplace integrations.
5. Do Revolut, YouBiz and WorldFirst all offer forward contracts?
WorldFirst offers FX forward contracts to Singapore businesses through the World Account, allowing you to lock in an exchange rate for up to two years. Revolut Business offers FX Forwards in some markets, but its current eligibility criteria list the UK, Switzerland and EEA rather than Singapore.9 YouBiz currently does not specify support for forward contracts.
Sources
- https://www.you.co/sg/blog/everything-you-need-to-know-about-youtrip/
- https://www.revolut.com/en-SG/business/
- https://www.revolut.com/en-SG/business/integrations/
- https://www.revolut.com/en-SG/business/business-account-plans/
- https://www.you.co/biz/multi-currency-accounts/
- https://www.you.co/biz/
- https://www.revolut.com/en-SG/business/cards/
- https://youbiz.zendesk.com/hc/en-us/articles/6188504687257-Is-there-a-fee-for-sending-money-locally
- https://www.revolut.com/business/fx-forwards/
This article is intended for informational purposes only and does not constitute legal advice or professional advice. This article should not be regarded as constituting an offer or a solicitation to buy or sell any regulated or financial products or services. WorldFirst makes no representations or warranties regarding the accuracy, completeness, or applicability of the content, and readers are encouraged to consult with legal professionals or other professionals for advice tailored to their specific situation. WorldFirst does not guarantee the accuracy and completeness of this article and expressly disclaims any and all liability to any person in respect of the consequences of anything done or omitted to be done wholly or partly in reliance on this article.
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