YouTrip review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
YouTrip suits travellers, expats and small businesses that want to spend in several currencies without a monthly charge. The currency conversion fee of 0% is the figure that decides it, and the money sits on a Mastercard prepaid card holding 12 currencies at the same time.
Key facts
- Best for
- Holding and spending several currencies abroad with no monthly charge
- Monthly fee
- SGD 0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Free ATM withdrawals
- SGD 400 (Source, checked September 26, 2026)
- Card type
- Prepaid (Source, checked September 26, 2026)
- Top-up fee
- Free (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Currencies
- 12 (Source, checked September 26, 2026)
- Legal entity
- You Technologies Group (Singapore) Pte Ltd (Source, checked September 26, 2026)
- Headquarters
- Singapore (Source, checked September 26, 2026)
- Founded
- 2018 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card, Travel
- Audience
- Business, Kids
- Official website
- you.co
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInitunes.apple.comfacebook.com
Pros and cons
Pros
- No monthly fee at SGD 0 and no conversion charge at 0%, first on both measures among the cards compared
- Top-ups are free, so adding money adds no fee
- A multi-currency account, a virtual card and a travel focus on one Mastercard prepaid card
- Free ATM withdrawals of SGD 400 take care of everyday cash abroad
Cons
- Cash access is modest: SGD 400 of free withdrawals ranks 11 of 115 here
- The list stops at 12 currencies, so trips beyond it need a second card
- It is a prepaid card with no credit line, so the balance is money you already hold: prepaid
Who it suits
- Travellers and expats who pay in more than one currency
- Small businesses and freelancers paid in a foreign currency
- Parents setting up a card for kids, one of the listed audiences
Who should look elsewhere
- Skrill, if a monthly charge of €5 is acceptable to you
- JMMB Moneyline and JMMB Money Transfer prepaid card, if a single-market card serves you better than 12 held currencies
- CrediMax Cardy EX prepaid Visa, if a Visa network card suits you, since YouTrip runs on mastercard
Fees and currency costs
YouTrip charges a monthly fee of SGD 0, and loading the account is free. Converting between the currencies the account holds costs 0%, the standout figure in this group. Cash withdrawals include SGD 400 free, above the typical prepaid allowance though not the largest on the table. The rate applied at the point of conversion is what moves the rest of a trip's cost.
Who runs it
YouTrip is run by You Technologies Group (Singapore) Pte Ltd, based in Singapore and trading since 2018. It holds a major payment institution licence from the Monetary Authority of Singapore under the Payment Services Act. Support runs on email, chat and phone, covering phone, email, live chat and a help centre, so a blocked payment can be sorted quickly.
How YouTrip compares
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 9.2
9.0 vs 8.8
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 9.0
9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.7
9.0 vs 9.2
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 9.6
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 8.8- 9.0 vs 8.8
- 9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.3
9.0 vs 8.2
9.0 vs 8.0
9.0 vs 8.0
Where YouTrip is available
- Licence in Singapore
- Monetary Authority of Singapore (major payment institution licensed under the Payment Services Act), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Does YouTrip charge a monthly fee?+
The monthly fee is SGD 0, so holding the account costs nothing. Among the cards compared here that is the same as the JMD 0 on the JMMB card and lower than the €5 Skrill charges, which makes it easy to keep open between trips.
What does it cost to convert currency with YouTrip?+
The currency conversion fee is 0% across the 12 currencies the account holds, so moving money between them adds no charge. For a trip that crosses more than one currency, that is the figure that decides the cost. The typical charge across the cards listed is higher.
Is YouTrip a credit card or a debit card?+
YouTrip is prepaid, not a credit card, so the balance is funded before you spend. You hold the money rather than borrowing against it. The card runs on the Mastercard network, so it is accepted wherever Mastercard is taken, at home and abroad.
How many currencies can I hold with YouTrip?+
The account holds 12 currencies, each with its own balance, and you switch between them as you spend. That multi-currency setup suits people who travel or are paid in a currency other than the one they live in. It is a fixed list, so a trip needing a currency outside it will need a second card.
Can I use YouTrip for cash withdrawals abroad?+
Cash withdrawals include SGD 400 free, drawn on the Mastercard network, so a short trip rarely triggers a cash charge. The allowance is a modest one and sits at 11 of 115 on free withdrawals here, so heavier cash use should be checked against the terms.
Is YouTrip regulated?+
YouTrip is licensed as a major payment institution by the Monetary Authority of Singapore under the Payment Services Act, and the card is issued by You Technologies Group (Singapore) Pte Ltd. A named regulator and a local base are the two things to weigh when judging how the account is run.
Can I use YouTrip for business payments?+
Business is one of the two listed audiences, the other being kids. Holding several currency balances lets you pay suppliers and staff in the currency they charge, and the conversion fee of 0% does the switching. The card is prepaid, so funds are loaded before spending.
How much does it cost to add money to a YouTrip card?+
Loading the account is free, so you can top up before a trip or before a purchase without a charge. Money sits in the currency you loaded until you spend it or switch. The card is prepaid, so the balance is money you hold rather than a credit line.
How do I get help if a payment is blocked?+
Support runs on email, chat and phone, which includes phone and email alongside live chat and a self-serve help centre. A blocked payment or a pending conversion can be raised by phone, the quickest route when money is held at the time. The help centre covers routine questions on fees and limits.
Sources
- eservices.mas.gov.sg/fid/institution/detail/227802-YOU-TE... checked September 26, 2026
Backs: Licences
- support.you.co/hc/en-us/articles/360000597253-Is-the-YouT... checked September 26, 2026
Backs: Card type
“No, the YouTrip card is a prepaid Mastercard®.”
- support.you.co/hc/en-us/articles/360003284874-What-is-You... checked September 26, 2026
Backs: Currencies, Features
“of which 12 selected currencies are available for in-app exchange”
- you.co/sg checked September 26, 2026
Backs: Legal entity, Card network
“YouTrip is issued by You Technologies Group (Singapore) Pte Ltd.”
- you.co/sg/about checked September 26, 2026
Backs: Founded, Headquarters
“YouTrip was launched in 2018 with a bold vision to empower everyone with the smarter and most convenient way to pay in foreign currency.”
- you.co/sg/terms_and_conditions checked September 26, 2026
Backs: Free ATM withdrawals, Audience, Currency conversion fee, Top-up fee, Monthly fee, Support channels
“ATM Withdrawal Fee: - First S$400 in equivalent foreign currency withdrawn per calendar month: Free - Any amount withdrawn thereafter: 2% of the amount withdrawn”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.