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7 Best Multi-Currency Cards in Singapore: Fees, Exchange Rates and Features
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Multi-currency cards make it easy to hold, manage, and spend foreign currencies - whether you're travelling overseas, shopping online, or sending money abroad.
The market for multi-currency cards in Singapore has grown quickly. Options now range from fintech providers like Wise, YouTrip and Revolut to traditional banks like DBS and UOB. Each card works differently, with trade-offs around exchange rates, fees, supported currencies and extra features.
This guide compares 7 of the best multi-currency cards in Singapore to help you find the right one.
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What is a multi-currency card?
A multi-currency card is usually linked to a multi-currency account. It lets you hold, exchange, and spend money in different currencies using a single card, without relying on traditional banks or physical money changers.
For example, a multi-currency account like the Wise account allows you to hold and exchange 40+ currencies, including SGD, MYR, EUR, CNY and more. You can add money in SGD, convert it when you need to, and spend directly using a linked debit card.
Depending on the provider, a multi-currency card may offer:
- Competitive exchange rates (such as the mid-market rate)
- Transparent conversion fees shown upfront
Overseas ATM withdrawals with monthly free limits - Spending abroad without separate foreign transaction fees
Some multi-currency accounts also include international transfers, local account details for getting paid, and the option to earn returns on eligible balances, while keeping funds available to spend¹.
What to consider when choosing a multi-currency card
Exchange rate
Not all cards handle currency conversion the same way. Some use the mid-market exchange rate with a transparent fee, while others rely on bank or card network rates, or add markups at certain times (such as weekends).
Even small differences in exchange rates can add up quickly when spending overseas. Cards that use the mid-market rate with transparent fees typically offer better value.
Fees
Different cards have different fee structures. Watch out for:
- ATM withdrawal limits and charges
- Foreign transaction fees
- Weekend FX surcharges
- Top-up or plan-based fees
Supported currencies
Some cards support only a small number of wallet currencies, while others let you hold and exchange dozens. If you travel often or use less common currencies, this can make a big difference.
ATM withdrawals
Most multi-currency cards allow overseas ATM withdrawals. Check the fees and free withdrawal limits before you travel. Also ensure the card network (Visa or Mastercard) is widely accepted at your destination.
Tip: Always choose to pay in the local currency at ATMs to avoid Dynamic Currency Conversion (DCC) charges.
Features
Check which currencies are supported. Some cards let you hold only SGD, while others support 10, 30, or even 40+ currencies. Also look for a user-friendly app with real-time spending notifications and responsive customer support.
7 Best multi-currency cards in Singapore
Here's a detailed comparison of the top multi-currency cards available in Singapore:
| Best for | Currencies | Exchange Rate | ATM Withdrawal Fees (SGD) | Other Fees (SGD) | |
|---|---|---|---|---|---|
| Wise | Holding 40+ currencies & international transfers | 40+ for holding; spend in 150+ countries | Mid-market rate | Free withdrawals up to $100/month; 1.75% thereafter | $8.50 one-time card fee |
| YouTrip | Travel spending in supported wallet currencies | 12 for holding; spend in 150+ currencies | Wholesale rate | Up to $400/month free; 2% thereafter | $10 replacement fee |
| Revolut | Budgeting tools and crypto | 30+ for holding; spend globally | Interbank rate (1% weekend fee) | 5 free withdrawals up to $350/month; 2% thereafter | Monthly fee $0-$21.99 |
| Instarem Amaze | Rewards stacking | 11 for holding; spend globally | Mastercard rate | 2% on all withdrawals | 1% fee on SGD transactions via linked card |
| DBS | Traditional bank integration | 13 for holding; spend globally | DBS bank rate | Up to $7 per transaction | Up to 3.25% FTF on unsupported currencies |
| UOB FX+ | Locking exchange rates in advance | 11 for holding; spend globally | Near-interbank rate | Free at UOB ATMs; $5 at non-UOB ATMs | $18.34 annual fee (waived first 3 years) |
| Trust Bank | Simple overseas spending and local savings | SGD only; spend globally | Real-time rate | Unlimited free | $100 late payment fee (credit card) |
Pricing/fees: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date information.
Wise Card
Open a Wise account online for free and order your Wise card to hold 40+ currencies. Convert between them at the mid-market exchange rate with a small conversion fee shown upfront before you pay.
Top up your account with SGD and spend worldwide. Add your card to Apple Pay or Google Pay for easy contactless payments. You'll get real-time notifications showing the exact cost of each conversion.
With Wise, you can also send payments to 140+ countries and receive money with local bank details in 8+ currencies. Plus, earn interest on eligible balances.
| Pros ✅ | Cons ❌ |
|---|---|
| No fee to open an account | No cash deposits |
| Mid-market exchange rates | Cannot withdraw from ATMs in Singapore |
| Spend in 150+ countries |
YouTrip card
YouTrip is a prepaid travel wallet funded in SGD. It supports 12 in-app wallet currencies. Spending in other currencies is converted automatically using the Mastercard rate at the time of transaction.
YouTrip is designed mainly for travel spending. It also offers international transfers, but these are designed to complement the wallet, rather than replace dedicated transfer services, and are typically used for straightforward remittances alongside travel use.
| Pros ✅ | Cons ❌ |
|---|---|
| No markup on supported wallet currencies | Limited to 12 wallet currencies |
| S$400 free ATM withdrawals/month | Less visibility over conversion outside supported wallet currencies |
| No annual fee |
Revolut card
Revolut offers account plans with currency holding and exchange in 30+ currencies.² The Standard plan is free, while Premium (S$10.99/month) and Metal (S$21.99/month) plans unlock additional features.²
Revolut uses the interbank exchange rate on weekdays. However, a 1% surcharge applies on weekend transactions, and fair usage limits apply to currency exchanges depending on your plan.² The platform also offers budgeting tools and crypto trading.
| Pros ✅ | Cons ❌ |
|---|---|
| Free and premium options | Weekend FX markup |
| Supports investing features | Usage limits on free plan |
| Budgeting and crypto tools | Fees vary by subscription tier |
Instarem Amaze card
The Amaze card links to existing Mastercard credit or debit cards and earns InstaPoints on spend.³ It’s best suited to users who already have compatible cards.
The card is compatible with Google Pay and comes with Mastercard World benefits. However, ATM withdrawals incur a 2% fee, and a 1% fee applies on SGD transactions when using a linked card.
| Pros ✅ | Cons ❌ |
|---|---|
| Earn InstaPoints rewards | 2% ATM withdrawal fee |
| Link up to 5 Mastercard cards | Additional fees may apply on certain transactions |
| Limited standalone functionality |
Read our Instarem Amaze review
DBS Multi-Currency account
DBS offers a multi-currency account supporting 13 currencies, linked to a DBS Visa Debit Card. Spending in unsupported currencies may incur foreign transaction fees.
Note that a 3.25% foreign transaction fee applies when spending a currency you don't hold in your account.
| Pros ✅ | Cons ❌ |
|---|---|
| Established Singapore bank | Up to S$7 ATM withdrawal fee |
| 13 supported currencies | Up to 3.25% FTF on unsupported currencies |
| Integrated with DBS digibank |
Read our DBS multi-currency card review
UOB Mighty FX (Now Rebranded to UOB FX+)
UOB FX+ supports 11 currencies and allows users to lock in exchange rates in advance on the app. FX fees are waived on spending, but a S$5 ATM fee applies for ATMs outside UOB’s network.
The card also includes complimentary travel insurance with coverage up to US$100,000.
| Pros ✅ | Cons ❌ |
|---|---|
| 0% FX fees worldwide | S$5 fee at non-UOB ATMs |
| Rate-locking feature | Limited currency support |
| Complimentary travel insurance | Annual fee after waiver period |
Trust Bank
Trust Bank, backed by Standard Chartered and FairPrice Group, offers a card with no foreign transaction fees and free ATM withdrawals overseas.
Unlike dedicated travel wallets, Trust Bank doesn't let you hold foreign currencies or lock in exchange rates in advance, conversions happen in real-time. However, it integrates with the NTUC rewards ecosystem, making it a good choice for occasional travellers who also want strong local banking features.⁶
| Pros ✅ | Cons ❌ |
|---|---|
| Zero FX and ATM fees | Cannot lock in exchange rates |
| Savings interest available | SGD-only holding |
| NTUC rewards integration | No international transfer feature |
Why consider Wise for multi-currency spending?
If you're looking for a multi-currency card that combines transparency with global reach, Wise offers several advantages:
- Mid-market exchange rate with no hidden markups
- 40+ currencies to hold, convert, and spend
- International transfers to 140+ countries
- Local account details in 8+ currencies
- Returns on some eligible balances, depending on currency and availability
- Wise Asia-Pacific Pte Ltd is a Major Payment Institution licensed by the Monetary Authority of Singapore (MAS).
Open a free Wise account to get started
Summary: What is the best multi-currency card in Singapore?
There's no single best multi-currency card, the right choice depends on your needs.
- Wise is designed for people who want to hold many currencies, earn returns on eligible balances, and manage international transfers as part of everyday money use - not just when travelling.
- Other cards may suit more specific or occasional use cases, such as spending while travelling or integrating with an existing bank account.
Compare based on your travel frequency, preferred currencies, and whether you also need international transfer features.
Frequently asked questions
What is the best multi-currency travel card in Singapore?
It depends on your needs. Wise supports 40+ currencies at the mid-market rate and includes international transfers.⁷ Other options like YouTrip and Revolut offer different features and fee structures.
Is YouTrip or Wise better?
Wise is better for managing multiple currencies, earning returns on eligible balances, and handling international transfers as a core feature. YouTrip may suit travellers who mainly spend in its supported wallet currencies and want occasional transfers.
Are multi-currency cards worth it?
They can be worth it if you travel or spend in foreign currencies, as they often reduce exchange costs compared to traditional bank cards.
Which bank multi-currency card is best in Singapore?
UOB FX+ offers 0% FX fees and rate-locking.⁵ DBS supports 13 currencies.⁴ Both have ATM withdrawal fees and fewer currencies than fintech options.
How do I choose the right multi-currency card?
Compare exchange rates, fees, number of supported currencies, and whether you need international transfer features. Consider how often you travel and which currencies you use most.
Open a Wise Business account online
Sources used
- YouTrip - Fees and supported currencies
- Revolut Singapore - Pricing plans
- Instarem Amaze Card - Features and fees
- DBS Singapore - Multi-currency account
- UOB FX+ - Features and fees
- Trust Bank - Card features
- Wise Pricing - Card fees
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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