YouTrip Australia Review: Features, Fees, and Is It Right for You?

YouTrip is a travel account and card provider which has operated in Singapore and Thailand for several years, and recently introduced YouTrip Australia¹. With a YouTrip travel card you can hold 10 currencies, spend globally, and manage your money securely and easily with your phone.

This YouTrip Australia review covers how to get started, how to use a YouTrip card overseas, and what features and fees you can expect. You can also learn more about the Wise card, an easy way to stretch your dollars when paying in foreign currencies.

What is YouTrip?

YouTrip² launched in 2018 and is a popular travel wallet and card for customers in Singapore and Thailand already. It’s recently expanded to offer services in Australia, including the YouTrip card and multi-currency account. You can order a YouTrip travel card online and add money to your account balance with your normal Australian bank card. Convert to the currency you need to spend, and you may find you can skip foreign transaction fees imposed by your bank, and access better rates when you pay and withdraw as you travel.

YouTrip’s aim is to make it easier to spend in foreign currencies when you travel, with many free transaction types and ways to hold and exchange popular global currencies with just your phone.

Is YouTrip Safe in Australia?

YouTrip is considered safe to use in Australia with normal common sense precautions. YouTrip holds an Australian Financial Services License and is regulated by the Australian Securities and Investments Commission.

As a digital first provider, YouTrip also has industry level security built into its app, including ways to instantly freeze your card, 24/7 anti fraud monitoring and dedicated security and support teams.

How does YouTrip work?

To use YouTrip you’ll need to register an account and order your YouTrip card, which is delivered to your home address in a few days. You can then add a balance to your YouTrip account using an Australian Visa or Mastercard (or using Apple Pay)³, to either convert at the point of payment in your destination, or to switch to the currency you need in advance.

YouTrip cards can support holding a balance in 10 major currencies, so you can lock in the exchange rate by converting before your trip. Or you can simply leave your balance in AUD and the card will convert for you whenever you need to pay, in 150+ currencies globally. In either case you get the same YouTrip exchange rate.

You can use your YouTrip card to make payments and withdrawals when you travel abroad, or to spend online in foreign currencies. You’ll also be able to spend and withdraw locally in Australian dollars, but some different costs and limits apply when using a local ATM. We'll look at all of the key YouTrip fees in just a moment so you can check if it's the right card for your needs.

YouTrip Features

If you’re not sure whether it's worth applying for YouTrip it’s a good idea to review the full feature list. Here’s a quick rundown of the core YouTrip features you may benefit from, we’ve also included Wise as a comparison:

*Promotional offers may change - correct at time of writing, 14th January 2026
**'Interest' is a custody and nominee service offered through Wise Australia Investments Pty Ltd. Capital at risk, growth not guaranteed.

YouTrip’s Exchange Rate

YouTrip offers currency conversion in two ways:

• Exchange within your account before you spend - 10 currencies supported
• Exchange at the point of payment using the Mastercard rate - 150+ currencies supported

If you’re exchanging in your account with YouTrip you’ll be quoted an exchange rate which is based on the wholesale exchange rates provided by YouTrip partners⁵. To ensure you’re getting a fair deal, it is always wise to compare this against the mid-market rate.

The mid-market rate is the mid-point between the buy and sell rates used on global markets, and the rate you’ll see on Google. While you'll find that banks and account providers add a markup - percentage fee - to the mid-market rate to calculate the rate offered to customers, providers like Wise use the mid-market rate directly. By comparing YouTrip’s quote against Wise, you can see exactly how much you are being charged and confirm you are getting a competitive deal for your spending.

YouTrip Card Fees

YouTrip cards have no fee to order or top up, and no fee to spend a currency you hold in your account. There are some free ATM withdrawals available monthly, although it’s useful to know that ATM operators may also charge their own fees - keep an eye on the ATM screen to check if that’s the case before you withdraw.

Here’s a summary of the most important YouTrip card fees - you can also get the full card terms and conditions documented online if you prefer:

• Card Order Fee: No fee
• Annual Fee: No fee
• Card Top-Up Fee: No fee
• Foreign Transaction Fee: No fee
• Currency Conversion Fee: No fee
• International ATM Fees: Free for up to 1,500 AUD per calendar month, 2% fee applies to withdrawals exceeding 1,500 AUD. (Individual ATM providers may charge their own local fees)
• Domestic ATM Fees: Free for up to 400 AUD per calendar month, 2% fee applies to withdrawals exceeding 400 AUD. (Individual ATM providers may charge their own local fees)
• Card Replacement Fee: 5 AUD

*Details correct at time of research - 14th January 2026

Summary: Is YouTrip the Right Travel Card for You?

To help you decide if YouTrip is right for you, here’s a summary of some pros and cons:

YouTrip is a new arrival on the Australian market, and could be a great pick for some travellers looking to convert up to 10 major currencies for overseas spending. There are very few fees to pay with YouTrip. However, there are a few drawbacks compared to some other multi-currency digital accounts out there such as the Wise account and card.

While YouTrip may be a decent option for basic card spending, if you need more than just a travel card, Wise is the better fit for both international spending and transfers. It supports 40+ currencies for holding and exchange and lets you send money to 140+ destinations. You also have the option to activate Wise Interest**, so you can grow your AUD and USD balances and let your money work for you between trips or transfers.

➡️ Learn more about the Wise card

Save on foreign transaction fees and get the mid-market rate with the Wise card

The Wise card is a simple way to save up to 7x when you're spending internationally. You can spend in 150+ countries at mid-market rate — basically the rate you see on Google. With no foreign transaction fees and low, transparent pricing, Wise usually gives you the best value for your money.

Simply create a Wise account for free, order a card and top-up AUD to get started. Having a physical Wise card allows you to make chip and pin payments, as well as make some free ATM withdrawals each month for when you're abroad. You can get digital cards and add to your Google or Apple Pay wallet for instant use. Spend directly with the Wise account in AUD and let auto-conversion do the trick or convert in advance to your desired currency. You can hold and exchange 40+ currencies in your Wise account and spend the currencies you hold for free.

Wherever your travel takes you, the Wise card makes spending money abroad cheaper and easier.

🚀 Get your Wise card