The YouTrip card supports multi-currency travel spending, but offers only one virtual card per user. Check out the complete review to learn more
Key takeaways
- The YouTrip card is a personal multi-currency travel card supporting 12 currencies across 150+ countries
- YouTrip charges zero FX fees on foreign currency spending, while ATM withdrawals are zero up to S$400 in foreign currency per calendar month, with 2% charged thereafter
- The World Card is a virtual card linked to WorldFirst’s multi-currency World Account supporting payments in 150+ currencies
YouTrip was launched in 2018 with a focus on multi-currency travel payments.1 Its wallet supports 12 currencies, while the card can be used in 150+ countries.2 ATM withdrawals are supported but a 2% fee applies on foreign currency withdrawals above S$400 per calendar month.2 Plus, each YouTrip user is issued only one virtual card and one physical card.3
In this guide, the YouTrip multi-currency card for travel is reviewed along with the World Card, a multi-currency card from WorldFirst that supports international payments in 150+ currencies.
What is YouTrip?
YouTrip is a Singapore-based international payment provider.2 It operates through You Technologies Group (Singapore) Pte Ltd and is a licensed by the Monetary Authority of Singapore.2
It offers the personal YouTrip multi-currency card for individual travellers, combining a multi-currency wallet with a prepaid Mastercard.2 The wallet supports 12 currencies including SGD, USD, EUR, GBP, JPY, AUD and more.4
YouTrip also offers a multi-currency business account called YouBiz, that lets businesses create accounts across nine currencies to exchange, hold and receive payments.5 Its corporate cards support foreign currency spending with zero FX fees, subject to applicable terms and conditions.5
YouTrip card: Key features
Multi-currency wallet
The YouTrip wallet supports 12 currencies: SGD, MYR, JPY, THB, USD, EUR, GBP, HKD, AUD, NZD, CHF and SEK.2 Users can exchange and hold these currencies in the app before spending.2
Zero FX fees and payments in multiple countries
YouTrip states that there are zero FX fees and no additional markups on its foreign currency account transactions.6 The card can be used globally wherever Mastercard is accepted across 150+ countries.2
ATM withdrawals
YouTrip supports overseas ATM withdrawals with a zero YouTrip fee on the first S$400 in foreign currency withdrawn per calendar month.2 A 2% YouTrip fee applies to withdrawals above that amount. 2 The fee is deducted from the SGD wallet.7
Card issuance and top-up
There is no fee to get a physical or virtual YouTrip card.8 Registration is completed through the app, often in about three minutes.8 MyInfo or manual identity-document submission can be used during registration.9
Top-up options include PayNow, a linked bank account, Mastercard credit or debit cards, and VISA cards.10 PayNow, Mastercard cards and VISA debit cards have no top-up fee, while VISA credit card top-ups carry a 1.5% service fee.10The physical card can be used for payments in-store and online, while the YouTrip card in Singapore is designed for digital payments and can be added to Apple Pay and Google Pay.11
YouTrip card fees
| Fee type | YouTrip card10 |
| Card issuance fee | Zero |
| Annual fee | Zero |
| Top-up with PayNow | Zero |
| Top-up with Mastercard credit/debit card | Zero |
| Top-up with VISA debit card | Zero |
| Top-up with VISA credit card | 1.5% |
| FX fees on foreign currency transactions | Zero |
| Currency exchange in app | Zero |
| Card replacement and delivery | S$10 |
| Refund processing | S$10 |
| Overseas transfer | Not specified |
| ATM withdrawals | 2% beyond S$400 per month |
*Fees checked in August 2026. Terms and Conditions Apply
YouBiz card: A corporate card option from YouTrip for businesses
YouBiz is a business finance platform built by YouTrip. It combines a multi-currency business account with corporate cards and expense management tools.5 Its business account supports accounts across nine currencies including SGD, USD and EUR, while the platform supports remittances to 150+ countries.5
The YouBiz corporate card is designed for team spending.5 Businesses can issue unlimited virtual and physical cards, assign cards to employees and set individual spending limits and permissions.5,12 YouBiz also supports Xero integration for accounting workflows.13
Some more features of the YouBiz card are:
- Expense tools support receipt uploads, transaction notes, expense categorisation and approval workflows14
- YouBiz offers 1% cashback on eligible transactions, with no minimum spend or cashback cap.5 Terms and conditions apply
- Corporate card payments in foreign currencies have zero FX fees, subject to terms and conditions5
→ A dedicated YouBiz account review covers its business account features in more detail
The World Card: A virtual card for global operations
The World Card is a virtual card from WorldFirst that draws funds directly from a linked World Account. The World Account is a multi-currency account that lets businesses hold balances in 20+ currencies, including SGD, USD, GBP, EUR, CNH, AUD, NZD, JPY and HKD across 200+ countries.
The World Card is funded directly from the available balance in the linked World Account, with transactions drawing from the corresponding currency balance where available. For example, a purchase in USD can be paid from the USD balance if there are sufficient funds. If the required currency is not available, the transaction may require currency conversion.
The World Card can be used for payments in 150+ currencies wherever Mastercard is accepted. For 15 supported currencies, there are zero fees when sufficient balance is held in that currency.
Additional World Card features
- Issue up to 20 virtual cards at no extra cost, with separate spending limits for each card
- Freeze or unfreeze cards and set custom spending limits through real-time controls
- Earn cashback on eligible spending. Terms and Conditions Apply
- Use the card with Apple Pay and Google Pay
| Fee type | World Card fees |
| Card issuance fee | Zero |
| Annual fee | Zero |
| Currency conversion fee | Zero when paying in any of the 15 supported currencies with sufficient balance held in that currency |
*Fees checked in August 2026
FAQs
1. Is YouTrip a credit card or debit card?
YouTrip is a prepaid Mastercard linked to a multi-currency wallet.2 It is not a credit card. You can use the funds loaded into your YouTrip account to make payments.2 Know about more prepaid cards for business.
2. How to apply for a YouTrip card?
This is how you can apply for a YouTrip card:
- Download the app: Install the YouTrip app on your mobile device.
- Register: Create a YouTrip account and provide the required details.
- Verify your identity: Complete verification using MyInfo or the required identification documents.
3. How to top up the YouTrip card?
Top up through PayNow, a linked bank account or an eligible credit or debit card. Visa credit card top-ups carry a 1.5% service fee.10
4. How to use a YouTrip card overseas?
Top up the account in SGD, exchange into one of the supported wallet currencies where required, and use the YoutTrip card at Mastercard merchants overseas.15 For non-wallet currencies, YouTrip can automatically convert the required amount.16
Sources
- https://www.you.co/sg/about/
- https://www.you.co/sg/
- https://support.you.co/hc/en-us/articles/18399344336793-Can-I-have-multiple-Virtual-Cards
- https://support.you.co/hc/en-us/articles/900000378763-Which-currencies-are-supported
- https://www.you.co/biz/
- https://support.you.co/hc/en-us/articles/360000597553-What-are-the-exchange-rates-and-fees-offered-by-YouTrip
- https://support.you.co/hc/en-us/articles/18599693346073-How-are-the-ATM-withdrawal-fees-calculated
- https://support.you.co/hc/en-us/articles/360000599833-Is-there-any-fee-for-getting-a-YouTrip-card
- https://support.you.co/hc/en-us/articles/900000905026-How-do-I-sign-up-for-a-YouTrip-account-using-SingPass-MyInfo
- https://support.you.co/hc/en-us/articles/360000608414-What-are-the-fees-involved-in-using-a-YouTrip-account
- https://support.you.co/hc/en-us/articles/21649541532697-Can-I-add-my-Physical-or-Virtual-card-to-Apple-Pay-and-Google-Pay
- https://www.you.co/biz/corporate-cards/
- https://www.you.co/biz/xero-integration/
- https://www.you.co/biz/expense-management/
- https://support.you.co/hc/en-us/articles/360000599753-How-do-I-use-my-YouTrip-card
- https://support.you.co/hc/en-us/articles/360000597513-What-is-SmartExchange
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.
