The Best Multi-Currency Cards in Singapore 2025

Whether you are planning your next overseas trip or just need a convenient way to manage different currencies, a multi-currency card is your ideal travel companion. Multi-currency cards facilitate transactions across multiple currencies and regions, enabling users to pre-exchange funds into the required currency or store multiple currencies in one convenient place.

Financial preparedness is essential for safe travel, and using multi-currency cards is one way to achieve this. Besides convenience, these cards help avoid the high fees associated with traditional exchange rates. Fees are the top pain point for cash-based remittance in Asia, with users fearing high base fees, hidden fees and digital app fees. 

Avoid hefty exchange fees and use the best multi-currency cards for payments today. A reliable multi-currency card allows you to focus on enjoying your journey without financial worries.

» MORE: Cash vs. credit card vs. multi-currency card for travelling overseas

• Exchange rate: Mid-market interbank

• ATM withdrawal fees: 2 free, S$1.50 subsequently (withdrawals under S$350)

• Other fees: Small fee when converting currencies

• Notable features: Hold and convert 40+ currencies, send money to 70+ countries, receive money in 9 currencies with local account details

• Eligibility: Singapore residents aged 18+

• Security features: Freeze/unfreeze card via app, instant notifications, 2FA for transactions

• How to apply: Online via the Wise website or mobile app

SingSaver’s take

The Wise Card stands out as an exceptional choice for avid travellers who place a high premium on transparency, competitive exchange rates, and the absence of hidden fees. Its value extends beyond mere travel spending, proving particularly advantageous for individuals who frequently need to transfer money internationally. This dual functionality makes it a versatile tool, simplifying both overseas expenditures and cross-border financial transfers with ease and efficiency.

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• Exchange rate: Wholesale Mastercard

• ATM withdrawal fees: S$5 + 2%

• Other fees: None

• Notable features: Supports over 150 currencies for spending, fee-free FX transactions

• Eligibility: Singapore citizens/PRs aged 18+ with SingPass

• Security features: Instant card locking, transaction alerts

• How to apply: Sign up via the YouTrip app with SingPass verification

SingSaver’s take

The YouTrip Card stands out as an ideal companion for avid travellers, offering a truly seamless and cost-effective solution for managing expenses across various international destinations. Its key strength lies in its extensive support for multiple currencies and its commitment to zero foreign exchange (FX) fees. Beyond its financial benefits, the YouTrip Card is designed to be a versatile everyday travel card. 

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• Exchange rate: Interbank up to monthly limit (S$9,000 free, then 0.5% fee)

• ATM withdrawal fees: S$350 (or 5 withdrawals, whichever comes first)

• Other fees: Premium tiers (S$9.99 to S$21.99/month) for higher limits and perks

• Notable features: Budgeting tools, savings vaults, cryptocurrency and stock trading

• Eligibility: Singapore residents aged 18+

• Security features: Disposable virtual cards, instant freeze, app controls

• How to apply: Sign up through the Revolut app

SingSaver’s take

Revolut provides a multi-currency card and a digital-first approach to financial management, consolidating various financial activities into a single, user-friendly application. Its core features include multi-currency card functionality, acting as a primary travel card, and savings tools to help users set and monitor financial goals. This makes it ideal for frequent travellers, digital nomads, and individuals seeking an all-in-one financial management tool.

• Exchange rate: Mastercard rates

• ATM withdrawal fees: As per linked card

• Other fees: None

• Notable features: Links to up to 5 credit/debit cards, earns cashback/rewards

• Eligibility: Singapore residents aged 18+

• Security features: Real-time transaction alerts, card lock via app

• How to apply: Apply via the Instarem app

SingSaver’s take

The Amaze card is ideal for Singaporeans who already possess robust rewards credit cards. By linking these cards to Amaze, users can benefit from 0% foreign exchange (FX) fees while simultaneously earning both their credit card rewards and Amaze cashback. If you have credit cards that offer good cashback or points on specific spending categories (e.g., dining, online shopping), Amaze allows you to continue earning those rewards while eliminating FX fees on overseas or foreign currency transactions. However, the main benefit of Amaze hinges on you already having strong rewards credit cards. If you don't have such cards, or if your primary credit card doesn't offer substantial rewards, the "stacking" benefit of Amaze might be less attractive.

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• Exchange rate: Competitive rates provided by DBS

• ATM withdrawal fees: S$7 per cash withdrawal in the equivalent foreign currency

• Notable features: Seamless currency management with a single account, easy linkage to other DBS services, wide ATM network

SingSaver’s take

The DBS Multi-Currency Account Debit card allows you to manage 13 major currencies from a single account. With competitive rates provided by DBS, this card makes currency management seamless and offers easy linkage to other DBS services. It is one of the best choices for those seeking to integrate their travel finances with their existing DBS accounts.

• Exchange rate: HSBC bank rates

• ATM withdrawal fees: S$0

• Other fees: Min. balance required in Everyday Global Account

• Notable features: Spend across 11 currencies, integrated with HSBC

• Eligibility: HSBC account holders

• Security features: HSBC app security controls, OTP

• How to apply: Via the HSBC website or the branch

SingSaver’s take

For customers who prefer the familiarity and security of traditional banks but still desire the convenience of managing multiple currencies, HSBC's Everyday Global Debit Card presents a compelling option. This card allows users to hold and transact in various foreign currencies without incurring additional conversion fees, making it an ideal choice for frequent travellers or those with international financial needs. Beyond its multicurrency capabilities, the card also offers the standard features and customer support expected from a well-established banking institution, providing a balanced solution for modern global transactions.

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• Exchange rate: Interbank with higher limits

• ATM withdrawal fees: Higher free withdrawal limits, then 2%

• Other fees: S$21.99/month subscription

• Notable features: Concierge services, travel insurance, cashback on spending

• Eligibility: Revolut users subscribed to Metal plan

• Security features: Metal card, disposable virtual cards

• How to apply: Upgrade via the Revolut app

SingSaver’s take

Revolut Metal caters to individuals seeking a premium experience with their multi-currency card. This tier offers an enhanced suite of benefits, including a range of lifestyle perks, comprehensive insurance coverage, and significantly higher spending and exchange limits. For those who frequently travel or conduct significant international transactions, the added security, convenience, and exclusive features provided by a Metal card can elevate their financial management and overall travel experience, making it a compelling choice for discerning users.

Even with a multi-currency card, travel insurance remains essential. Cards can help you manage spending efficiently, but they do not cover unexpected incidents like flight delays, lost baggage, or medical emergencies abroad. A comprehensive travel insurance plan provides the safety net you need to travel confidently.

With so many multi-currency cards available in Singapore, how do you know which one is right for your travel needs? A rule of thumb is to rank your priorities and how the cards stack up against them.

When picking a card, always look closely at the foreign transaction fees and currency conversion fees. You will want one that offers low or no foreign transaction fees and gives you favourable exchange rates. Some cards are better for certain currencies than others, so if you travel to specific regions frequently, pick a card that aligns with those needs.

Beyond rates and fees, another thing to consider is currency support. If you are a globetrotter, make sure the card covers a wide array of currencies. And do not forget to compare ATM withdrawal fees – these can vary a lot, and finding a card with minimal charges means you can get cash easily and affordably wherever you are.

As a final thought, consider how easy the card is to use. A good multi-currency card will have an intuitive mobile app for managing your money on the go and offer reliable customer support in case you run into any issues during your trip.

» MORE: Overseas spending: What option should you choose?

Multi-currency cards in Singapore cater to different types of travellers. Wise is excellent for transparent transfers, while YouTrip offers broad currency spending. Revolut is best for app lovers and those who want extras like crypto, whereas DBS and HSBC are solid picks for bank customers who want integration. Instarem Amaze shines if you want to combine rewards with FX savings, while Revolut Metal is for those who enjoy premium travel perks.

The downsides vary – some cards impose withdrawal limits, others require minimum balances, and a few lack rewards. Knowing these limitations helps you match the right card to your travel style.

» MORE: Should I use a credit card or multi-currency card for overseas spending?