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YouTrip review

Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026

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Our verdict

YouTrip is a Singapore prepaid card for travel money, built for people who pay in several currencies and for families running business and kids accounts. Its currency conversion fee of 0% removes the markup that usually makes a trip expensive, and the card runs on the Mastercard network.

Key facts

Best for
Travellers, businesses and families spending in 12 currencies at a 0% conversion fee.
Monthly fee
SGD 0↗
Currency conversion fee
0%↗
Free ATM withdrawals
SGD 400↗
Card type
Prepaid↗
Top-up fee
Free↗
Card network
Mastercard↗
Currencies
12↗
Legal entity
You Technologies Group (Singapore) Pte Ltd↗
Headquarters
Singapore↗
Founded
2018↗
Support channels
Email, Chat, Phone, Help-centre↗
Features
Multi-currency, Virtual card, Travel
Audience
Business, Kids
Official website
you.co

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInitunes.apple.comfacebook.com

Pros and cons

Pros

  • Currency conversion fee of 0%, the number that decides the cost of a trip abroad
  • A monthly fee of SGD 0 and loads that are free
  • Free ATM withdrawals of SGD 400 on a Mastercard card
  • Multi-currency wallet holding 12 currencies, with a virtual card and a travel focus

Cons

  • The card is prepaid, so you spend what you have loaded rather than drawing on credit
  • Free ATM withdrawals of SGD 400 are modest beside the €2,000 allowance at the top of this category
  • The wallet holds 12 currencies, so it covers the main travel pairs rather than every currency
YouTrip

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Scored 9.0 / 10 by HodlCue.

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Who it suits

  • Anyone spending abroad who wants a 0% conversion fee and a SGD 0 monthly fee
  • Businesses and families, since business and kids accounts cover both
  • Travellers who want a virtual card for online bookings as well as the physical one

Who should look elsewhere

  • Readers who want a euro card rather than a Singapore travel card can compare Bitpanda, with a monthly fee of €0
  • Anyone after a UK current account can compare Monzo Flex, with a monthly fee of £0
  • Readers who want a broad multi-currency account rather than a travel card can compare Wise, with a monthly fee of £0

How it compares on our data

On our data YouTrip places 1 of 379 on monthly fee and 1 of 237 on currency conversion fee, so the numbers readers feel most sit at the top of the tables. Free ATM withdrawals tell the other story, with 11 of 104.

Fees

The monthly fee of SGD 0 covers the prepaid card, and loading money onto it is free. The number that matters for a traveller is currency conversion, and the fee of 0% means a balance in another currency can be spent without a markup eating into the rate you were given.

How YouTrip compares

Where YouTrip is available

Available
Australia, Malaysia, Singapore, Thailand
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

What does a YouTrip card cost to keep?+

The monthly fee of SGD 0 and loads that are free keep the running cost at the floor. Currency conversion is 0%, so spending a balance held in another currency adds no markup on top of the rate. The charges a traveller normally meets on a card simply do not build up here.

Is YouTrip regulated?+

YouTrip is licensed as a major payment institution under the Payment Services Act by the Monetary Authority of Singapore. The card runs on the Mastercard network, and the prepaid structure means the balance is loaded before spending rather than drawn on credit.

Is the YouTrip card a credit card?+

It is a prepaid card, so the balance is loaded and then spent rather than borrowed. The service is run by You Technologies Group (Singapore) Pte Ltd, and the multi currency, virtual card and travel range covers the multi-currency wallet, a virtual card and travel use.

How much can I withdraw at an ATM for free?+

Free ATM withdrawals come to SGD 400 on the card. That suits a short trip comfortably, though a long holiday where cash is the main draw would lean more on the balance you have already loaded.

How many currencies can I hold?+

The wallet covers 12 currencies, with multi-currency accounts built for travel. Spending from a balance already in that currency costs nothing to convert, so a trip can be paid for from local money without a markup eating into the rate you were given.

Who is YouTrip built for?+

The service is aimed at business and kids accounts, so businesses and families are the core users rather than a single market of personal travellers. The multi-currency wallet, the virtual card and the free conversion fee all point at paying across several markets from a single account.

How do I get help?+

Support runs on email, chat and phone, so there is a phone line and a chat alongside email and a help centre. For a card used while abroad, the phone and chat channels carry the most weight, and the help centre handles everyday account questions.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

YouTrip

YouTrip

Travellers, businesses and families spending in 12 currencies at a 0% conversion fee.

9.0/10See alternatives