Revolut vs Youtrip: Best Multi-Currency Accounts in Singapore for 2026
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We evaluated Revolut and Youtrip against four specific criteria: ATM withdrawal limits, currency holding capabilities, fee structures, and feature breadth. This comparison is designed for Singapore-based travelers and expats deciding between a comprehensive banking-lite app and a specialized travel wallet.
How we ranked these
Head to head
Revolut
Our pickBest for: Users needing an all-in-one finance app with banking-lite features like crypto and stocks alongside travel spending
- Supports holding 25+ currencies and converting in over 150 currencies
- Includes crypto trading, savings vaults, and budgeting tools beyond simple spending
- Offers travel insurance on Premium and Metal tiers
- Accepts PayNow and FAST bank transfers for free top-ups
- Standard plan applies a 0.5%–1% FX markup on weekends outside market hours
- Strict ATM limit of S$350/month or 5 withdrawals before a 2% fee applies
- Paid tiers require monthly subscriptions ranging from S$10.99 to S$21.99
Youtrip
Best for: Pure travel spending and overseas purchases where simplicity and zero weekend FX markups are prioritized
- Higher free ATM withdrawal limit of S$400/month compared to Revolut Standard
- Uses Mastercard wholesale rate with 0% foreign transaction fee and no weekend markups
- Allows holding and locking rates in 12 specific currencies
- No monthly subscription fees for the core service
- Daily spend limit of S$5,000 may require splitting large purchases across days
- Supports holding only 12 currencies; others convert instantly at time of spend
- Lacks crypto trading and international bank transfer features found in competitors
How to choose
Choose Youtrip if you frequently spend on weekends, as Revolut Standard applies a 0.5%–1% markup outside market hours, while Youtrip uses the Mastercard wholesale rate with 0% fees.
Select Youtrip for higher cash access, offering S$400/month free withdrawals versus Revolut Standard's limit of S$350/month or 5 withdrawals.
Pick Revolut if you need crypto trading, savings vaults, and budgeting tools; choose Youtrip if you only need a prepaid e-wallet for spending.
Revolut allows holding 25+ currencies, whereas Youtrip limits active holding to 12 currencies before instant conversion occurs.
Our verdict
Choose Revolut for its broader financial ecosystem including crypto and savings tools despite weekend FX markups, or select Youtrip for higher ATM limits and zero weekend fees if your primary need is simple overseas spending.
Frequently asked questions
Which app has higher free ATM limits?
Youtrip offers a higher free ATM withdrawal limit of S$400/month, compared to Revolut Standard's limit of S$350/month or 5 withdrawals.
Does Revolut charge fees on weekends?
Yes, Revolut Standard applies a 0.5%–1% FX markup on weekends outside Foreign Exchange Market Hours, while Youtrip uses the Mastercard wholesale rate with no additional fees.
What is the cost difference between plans?
Youtrip is free with a one-time S$5 card delivery fee, while Revolut offers a free Standard tier and paid Premium/Metal tiers costing S$10.99/month and S$21.99/month respectively.
How many currencies can each hold?
Revolut supports holding 25+ currencies, whereas Youtrip allows holding and locking rates in only 12 specific currencies.
