On stated fees as at November 2026, Wise vs Revolut vs YouTrip comes down to three differences. YouTrip has the largest free overseas ATM allowance (S$400 a month, against $350 for Revolut and $100 for Wise). Revolut’s free plan adds a 1% fee at weekends. Wise charges a small fee on every conversion but uses the mid-market rate and holds the most currencies.
All three are e-money wallets from MAS-licensed major payment institutions. None is a bank account.
How We Compared
We used each provider’s Singapore fee page or terms, and the MAS Financial Institutions Directory for licensing. For Revolut we compared the free Standard plan, since Wise and YouTrip have no paid tiers on their pricing pages.
We did not rank exchange rates. Rates change by the second and none of the three publishes a fixed spread, so a snapshot would be out of date at once. The fees below are fixed terms you can plan around. The rate is something to check on the day.
Wise vs Revolut vs YouTrip: Fees Side by Side
| Feature | Wise | Revolut Standard | YouTrip |
|---|---|---|---|
| Subscription | None | None | None |
| Physical card | $8.50, one time | Free, delivery fee applies | No card fee listed; $10 replacement |
| Exchange rate stated | Mid-market rate | Revolut’s own variable rate | Rate applicable at the time, shown in app |
| Conversion fee | From 0.19%, varies by currency | None on weekdays within limit | 0% stated |
| Monthly exchange limit | None stated | $5,000, then 1% | None stated |
| Weekend or off-hours fee | None listed | 1% | None listed |
| Free overseas ATM cash | $100 a month | $350 or five withdrawals a rolling month | $400 a calendar month |
| ATM fee after that | 1.75% | 2%, minimum $1.49 | 2% |
| ATMs in Singapore | Not supported | Not permitted | Not supported |
| Free top-up methods | Not listed on the pricing page; shown when you add money | Singapore bank transfer | PayNow, linked bank account, Mastercard, Visa debit |
| Card top-up fee | Shown when you pay | 0.30% or 0.51% on Singapore debit cards; 2.08% on international debit cards | 1.5% on Visa credit cards |
| Account limits stated | Spend or send up to $100,000 from balances a year (1 April to 31 March) | Check the app | Hold up to $20,000; top up $100,000 every 365 days |
| Currencies you can hold | 40+ | Check the app | 12 |
“Check the app” means we could not confirm the figure on a public page.
Three Worked Trips
Illustrations only, using our own figures and the stated fees. They assume each provider’s exchange rate is the same, which it will not be exactly.
Trip 1: S$2,000 on the card in Japan, converted on a Tuesday
| Wise | Revolut | YouTrip | |
|---|---|---|---|
| Conversion fee | From $3.80 | $0 | $0 |
Revolut and YouTrip state no fee. Wise charges at least 0.19%, and the yen fee is shown in its app.
Trip 2: the same S$2,000, converted on a Saturday
| Wise | Revolut | YouTrip | |
|---|---|---|---|
| Conversion fee | From $3.80 | $20 | $0 |
The Revolut figure is its 1% fee outside market hours, which its fees page (applying from 28 October 2026) says includes weekends. This is the scenario that catches people who let the card convert at the till on a weekend.
Trip 3: S$800 of cash in Thailand in one month
| Wise | Revolut | YouTrip | |
|---|---|---|---|
| Free amount | $100 | $350 | $400 |
| Fee on the rest | 1.75% of $700 = $12.25 | 2% of $450 = $9 | 2% of $400 = $8 |
ATM operators overseas may add their own fee per withdrawal on top, whichever card you use. Fewer, larger withdrawals reduce that.
The short version: YouTrip is cheapest on stated fees for cash. Revolut costs nothing extra if you convert on weekdays and stay under $5,000 a month. Wise is never free but never surprises you, and it handles the most currencies and transfers.
What Each One Does Badly
Wise. The $100 ATM allowance is the smallest of the three, and the card costs $8.50. There is a fee on every conversion.
Revolut. The conditions are easy to break: weekends, the $5,000 monthly limit that counts every exchange in the app, and debit card top-up surcharges of 0.30% to 2.08%. Its rate is its own, with no stated benchmark.
YouTrip. Only 12 wallet currencies can be held in advance. Visa credit card top-ups cost 1.5%, and it is not designed for sending money abroad.
All three. No miles or cashback from a bank, no deposit insurance, and no cash from ATMs in Singapore.
Who Should Look Elsewhere
- Miles collectors. A bank card’s roughly 3.25% fee buys miles. Whether that is worth it is worked out in our guide to the best credit cards for overseas spending.
- People who want no wallet to manage. Trust Bank states that it adds no foreign currency fee on its credit cards, with no top-up needed.
- People who want bank-held foreign currency. DBS states no foreign exchange fee on its Visa Debit Card in 11 currencies when a multi-currency account holds the money.
These and Instarem’s amaze card are covered in our best multi-currency cards comparison.
Licensing and Safety: The Same for All Three
The MAS directory lists Wise Asia-Pacific, Revolut Technologies Singapore and You Technologies Group (Singapore) as major payment institutions with e-money issuance among their licensed services.
MAS states that e-money is not a bank deposit and is not protected by deposit insurance. Major payment institutions must safeguard customer money. YouTrip’s terms name the banks that hold its segregated customer accounts, and Wise says customer money is kept with separate financial institutions.
On this point there is nothing to choose between them. The practical rule is the same: load what the trip needs.
What To Do Next
- Write down your trip’s likely card spending, cash needs and the day you will convert. Then read your answer off the tables above.
- If cash matters, plan around the ATM allowance. If you convert late, avoid a weekend conversion on Revolut Standard.
- Check the rate in each app against a reference rate before a large exchange.
- Read the individual reviews: Wise, Revolut and YouTrip.
- For the wider picture, see how to pay less on overseas spending, and set the trip amount in the budget planner.
- Sign-up offers exist for all three and change often. Check each provider’s own page.
