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6 Best Multi-Currency Cards in Singapore 2026
Updated: 7 Aug 2026
Are you a frequent traveller or an international shopper looking for the best way to manage multiple currencies? Look no further. In this blog post, we explore the top multi-currency cards in Singapore for 2026, so you can find the best travel money card Singapore has to offer.
Written bySingSaver Team
Team
⚡ Quick Answer
| Card | Number Of Currency Pairs | Minimum Monthly Income | Minimum Age |
|---|---|---|---|
| 40 + | S$0 | 18 years old | |
| 150 + | - | 18 years old |
🤓 SingSaver’s TipsNo single card wins for everyone. The best fit depends on how you travel and where you spend.See Full Comparison Below
Disclaimer: The information on this page is for general educational and informational purposes only and should not be considered financial or investment advice.
Other Cards Worth a Look
Decision Guide
Whether you are planning your next overseas trip or just need a convenient way to manage different currencies, a multi currency credit card Singapore users can rely on 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. Notably, this concern is echoed in a recent survey, which revealed that high fees are a major issue when sending money overseas via digital wallets from Singapore.
Compare Multi-Currency Cards
Product | Available currencies | Overseas ATM Withdrawal fees | Annual Fee Waiver | Transaction Fees | Top Benefits |
|---|---|---|---|---|---|
40 + |
| - | Mid-market exchange rate |
| |
 | 150 + |
| - | Interbank exchange rate |
|
 | 11 |
| First 3 years card fee waiver | - |
|
 | Multiple |
| - | Mastercard rates |
|
- | - | - | - |
| |
 | - | - | - | - | - |
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Before You Compare
01
Your travel frequency
Frequent travellers benefit more from wide currency support.
02
Existing bank relationship
DBS, UOB, and HSBC options integrate directly with accounts you may already hold.
03
ATM withdrawal needs
Fees and free-withdrawal allowances vary significantly by card.
04
Exchange rate type
Mid-market/interbank rates (Wise, YouTrip) typically beat standard bank rates.
For Managing Multiple Currencies Seamlessly: Wise Card
Available Currencies
40 +Minimum Age
18 years oldATM Withdrawal Fee
VariesExchange Rate
Mid-market exchange rate- Spend in 40+ currencies and 160 countries
- Two free ATM withdrawals up to S$350 per month, incurring 1.75% + S$1.50 fee per withdrawal afterwards
- No foreign transaction fees
- No account opening or maintenance fees
- Available as physical or virtual multi-currency card
- Virtual card number differs from physical card for added layer of security
- Get up to 3x virtual cards at a time for different expense types
- Start spending straight away with Google or Apple Pay
- Get real-time spend notifications & 24/7 anti-fraud measures
- Freeze and unfreeze card via app and instantly replace suspected compromised digital cards for peace of mind
- 1.75% + S$1.50 fee per withdrawal beyond the 2 free withdrawals per month.
Eligibility
Minimum Age: 18 years old
Key Takeaways : Wise Card
- Exchange rate: Mid-market exchange rate
- ATM withdrawal fees: Free up to S$350/month; 1.75% + S$1.50 fee thereafter
- Other fees: No monthly fees; small conversion fees apply when exchanging currencies
- Notable features: Low conversion fees, direct debits in multiple currencies, multi-currency accounts, real-time spending notifications
In summary, Wise card stands out for its transparent, low-cost currency conversions. Offering 40+ currencies at mid-market rates, it’s ideal for travellers who frequently handle multiple currencies. Its low fees and real-time spending alerts make it a practical and reliable travel companion.
| Pros | Trade-offs |
|---|---|
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For a hassle-free and fee-free experience: YouTrip Card
Available Currencies
150 +Minimum Age
18 years oldExchange Rate
Interbank exchange rateATM WIthdrawal Fee
Varies- Zero foreign transaction fees: Spend in over 150 currencies without any extra charges.
- Multi-currency wallet: Hold up to 10 currencies in your wallet at any time, locking in competitive exchange rates.
- SmartExchange feature: Get real-time exchange rate updates and lock in favourable rates.
- User-friendly app: Manage your spending, track transactions, and exchange currencies on the go.
- Widely accepted: Functioning as a Mastercard, this card is accepted worldwide.
- ATM withdrawal fees apply after a limited free allowance.
- Reloading from certain credit cards might incur fees.
Fees
Foreign Currency Transaction Fee: 0.00 %
Eligibility
Minimum Age: 18 years old
Key Takeaways : YouTrip Card
- Exchange rate: Interbank exchange rate
- ATM withdrawal fees: Free up to S$400/month; 2% fee thereafter
- Other fees: No annual fees; no hidden transaction charges
- Notable features: No currency conversion fees, easy top-ups
Overall, YouTrip card is designed for travellers who want a simple, fee-free multi-currency experience. Supporting over 150 currencies with interbank rates and no extra charges, it’s an excellent choice for overseas trips. The seamless top-up process and added travel insurance benefits make it especially convenient for frequent travellers.
| Pros | Trade-offs |
|---|---|
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For 0% FX fees and no mark-ups: UOB FX+ Debit Card
Available Currencies
11Eligibility
At least 18 Years OldAnnual Fee
S$ 18.34 yearlyReplacement Fee
S$ 20- 0% FX fees worldwide : You pay no foreign-transaction fees when you spend in other currencies
- Lock in rates ahead of travel : Through the UOB TMRW app you can convert and hold foreign currencies in advance, or set rate alerts/auto-convert when the rate hits what you want
- Multi-currency convenience : Supports multiple foreign currencies, letting you hold and spend without repeated conversions
- Extra perks beyond just spending : Users get S$5 cashback for first few overseas ATM withdrawals per year, and the card can count toward minimum spend requirements on linked accounts (for interest or rewards)
- No pre-top-ups or separate wallets needed : It behaves like a regular debit card but doubles as a multi-currency wallet to spend directly from your UOB account balance
- ATM withdrawal fees outside UOB ATMs : Withdrawing cash overseas from non-UOB ATMs may incur a flat S$5 (or foreign-currency equivalent) fee; rate-locking doesn’t help with that
- Must manage conversions carefully to maximise value : To get the best FX benefit you need to convert currencies ahead of time or via the app; leaving conversions to be done at spend time may lose some advantage
- Limited currency coverage compared to some rivals : FX+ supports a fixed set of currencies (vs. some travel cards or wallets that cover many more)
Fees
Annual Fee: S$ 18.34 yearly
Eligibility
Minimum Age : At least 18 Years Old
Key Takeaways : UOB FX+ Debit Card
- 0% FX fees on all worldwide spends
- Exchange rate: No mark-ups; aligned with interbank/mid-market rates
- ATM withdrawal fees:
- UOB ATMs: Free withdrawals worldwide
- Non-UOB ATMs: S$5 per overseas withdrawal (4 free withdrawals per calendar year)
- Other fees: Debit card fee - S$18.34 annually (waived for the first 3 years)
Get up to S$50 cash when you sign up for the UOB FX+ Debit Card *.
- S$50 cash: First 20 online sign-ups who make one foreign currency transaction per promotion week
- S$20 cash: Next 30 sign-ups
Not a UOB customer yet? Get up to S$150 cash* when you sign up for both UOB FX+ and the UOB One Account !
To conclude, UOB FX+ debit card combines strong travel features with everyday spending convenience. Beyond being a multi-currency wallet, the UOB FX+ Debit Card lets you tap-and-go worldwide with no top-ups needed. Its standout advantage is the ability to lock in favourable FX rates in advance when you convert and hold currencies at near-online rates with zero mark-ups via the UOB TMRW app. Cardholders also enjoy complimentary travel insurance with benefits up to US$100,000.
| Pros | Trade-offs |
|---|---|
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For easy linking with other Mastercards : Instarem Amaze Card
Available Currencies
MultipleMinimum Age
18 years oldExchange Rate
Mastercard ratesATM Withdrawal Fees
As per linked card- By linking a Mastercard credit card (e.g., Citi Rewards), you can convert foreign transactions into SGD charges on your primary card—earning its full rewards plus Amaze perks
- No FX markup is added by Amaze on non-SGD spending, helping you save on overseas and e-commerce transactions
- Earn up to 1% cashback (via 1 InstaPoint per S$1), capped quarterly. Eligible spend is S$5+ per transaction, with at least S$500 quarterly total to unlock cashback, capped at S$800/year (S$100/qtr)
- If you top up the Amaze Wallet, FX rates are close to mid-market—better than linked card rates—with 1 InstaPoint per S$1 spent
- The card is fee-free, has no annual charge, and comes with zero liability protection, e-commerce protection, and select Mastercard World benefits
- You must spend a minimum of S$500 per quarter in S$5+ transactions to qualify for cashback, and it's capped at S$100 per quarter—a barrier for low spenders
- When using a linked credit card, Amaze applies an implicit FX spread (~1.8–2%), which may offset some rewards—especially compared to multi-currency wallets like Wise, which use tighter rates
- Users have reported issues with contactless fraud and slow dispute resolution, including unreimbursed charges—raising concerns about the effectiveness of security "
Fees
Foreign Currency Transaction Fee: 0 %
Eligibility
Minimum Age: 18 years old
Key Takeaways : Instarem Amaze Card
- Exchange rate: Mastercard rates
- ATM withdrawal fees: As per linked card
- Other fees: None
- Notable features: Links up to 5 credit/debit cards; earns cashback and rewards
- Eligibility: Singapore residents aged 18+
- Security features: Real-time transaction alerts; card lock via app
- How to apply: Apply through the Instarem app
Overall, Amaze card is particularly useful for Singaporeans who already own strong rewards credit cards. By linking these cards to Amaze, users enjoy 0% foreign exchange (FX) fees while still earning both their credit card rewards and Amaze cashback. This makes it a powerful tool for optimising rewards, especially if your cards offer high returns on categories like dining or online spending.
That said, Amaze’s greatest value depends on you having good rewards cards to begin with. If your primary cards don’t offer substantial benefits, the stacking advantage becomes less compelling.
| Pros | Trade-offs |
|---|---|
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For a fee-free everyday credit card: Trust Cashback Credit Card
Minimum Age
21 years old- Earn up to 15%^ cashback on your preferred category
- From 1 Mar 2026, get up to 1% unlimited instant cashback on all eligible spend (including preferred category). See Trust Cashback Key Facts Sheet for more details.
- Enjoy 0% foreign transaction fees
- Get up to extra 20% off exclusive partner deals
- Real-time cashback tracking in your Trust App
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: From 18.9 %
Interest on Cash Advance: From 18.9 %
Interest Free Period: 45 days
Fees
Annual Fee: None
Foreign Currency Transaction Fee: None
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Key Takeaways: Trust Cashback Credit Card
- Exchange rate: No mark-up on foreign currency spend
- ATM withdrawal fees: 8% cash advance fee
- Other fees: No annual fee
- Notable features: Uncapped cashback on local and foreign spend, no minimum spend, instant digital card
- Eligibility: Singapore citizens/PRs aged 21+; minimum annual income requirements apply for foreigners
- How to apply: Apply via the Trust Bank app
In summary, the Trust Cashback Credit Card is the pick for travellers who want a normal credit card experience — not a prepaid wallet — without paying the usual 3.25% foreign transaction fee most bank cards charge. It won't compete with Wise or YouTrip on dedicated multi-currency features, but for everyday spenders who don't want a separate wallet to manage, it closes most of the FX-fee gap.
| Pros | Trade-offs |
|---|---|
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Key Takeaways: Citibank Debit Mastercard
- Exchange rate: Citibank FX rate; 0% conversion fee within Citi Global Wallet
- ATM withdrawal fees: Free at Citibank ATMs worldwide (⚠️ confirm non-Citi ATM terms)
- Other fees: No minimum deposit for additional foreign currency accounts
- Notable features: Multi-currency wallet linked directly to your Citibank account; instant currency account opening in-app
- Eligibility: 18+, existing Citibank Savings or Current account required
- How to apply: Activate via Citibank Online or the Citi Mobile App
In summary, the Citibank Debit Mastercard is the pick for existing Citibank customers who want a genuine multi-currency wallet without opening an account with a separate fintech provider. It matches Wise and YouTrip on the core promise — spend and hold multiple currencies with no conversion fee — while keeping everything inside your existing banking relationship.
| Pros | Trade-offs |
|---|---|
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The Citibank Debit Mastercard, through its Citi Global Wallet feature, rounds out the list for existing Citibank customers — it holds and spends in multiple currencies with zero conversion fees, much like Wise or YouTrip, but ties the benefit to a Citibank banking relationship rather than a standalone app.
Why you need travel insurance for your trip
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.
Flying off? Make sure you have your travel insurance!
Don’t forget your passport, visas and cards, either.
Comparison of the top 3 best multi-currency cards for travellers
| Multi-currency Card/Wallet | Benefits | Limitations |
|---|---|---|
| Wise Card | Low conversion fees, direct debits in various currencies, real-time spending notifications | Fees for currency conversion; limited free ATM withdrawals |
| YouTrip Card | No currency conversion fees; easy top-ups; works for local MRT and bus rides | 2% ATM withdrawal fee; fewer advanced features |
| UOB FX+ Card | 0% FX fees; lock in rates comparable to Google’s; set rate alerts or auto-convert; seamless tap-and-go payments with no top-ups required | Free withdrawals at 1,000+ UOB ATMs across ASEAN S$5 fee per withdrawal at non-UOB ATMs overseas (100% cashback on 4 ATM withdrawals per calendar year) |
Wise Card vs. YouTrip Card
| Category | Wise Card | YouTrip Card |
|---|---|---|
| Best for | International money transfers, holding many currencies, frequent travellers needing diverse currency options | Overseas spending, locking in rates, zero foreign transaction fees, budget travellers |
| Availability | Personal and Business customers in Singapore and globally | Personal and Business customers in Singapore and Thailand |
| Supported currencies (wallet holding) | 40+ currencies | 10 wallet currencies (SGD, USD, EUR, GBP, JPY, HKD, AUD, NZD, CHF, THB, CAD) |
| Supported currencies (spending) | 160+ countries/currencies | 150+ countries/currencies (Mastercard network) |
DBS Multi-Currency Card vs. Instarem Amaze Card
| DBS Multi-Currency Card | Instarem Amaze Card | |
|---|---|---|
| Best for | Existing DBS customers; holding and spending in major currencies; seamless integration within the DBS banking ecosystem | Maximising rewards from linked Mastercard credit/debit cards; competitive FX rates for overseas spending; earning KrisFlyer miles |
| Availability | DBS customers in Singapore (linked to Multi-Currency Account) | Personal customers in Singapore and other supported regions |
| Supported currencies (holding) | 12 currencies (AUD, CAD, CNY, EUR, GBP, HKD, JPY, NZD, NOK, SEK, THB, USD) | 11 wallet currencies (SGD, EUR, JPY, GBP, AUD, CHF, NZD, USD, CAD, THB, MYR) |
| Supported currencies (spending) | 150+ countries/currencies (Visa/Mastercard network); direct debit from 12 held currencies | Any Mastercard-supported currency (via linked card or Amaze wallet) |
| Exchange rate | DBS-determined exchange rates (may include bank spreads) | Instarem wholesale exchange rate (close to mid-market) |
The pros and cons of multi-currency cards
After reviewing the top multi-currency cards available in Singapore to date, it's clear that each option comes with its own strengths and limitations. Making the right choice depends on factors such as supported currencies, exchange rates, ATM withdrawal fees, and additional charges or perks.
The UOB FX+ Debit Card stands out for its well-rounded offerings: 0% FX fees, competitive exchange rates you can lock in, free travel insurance, and even GrabTransport discounts in neighbouring countries. The main drawback is the S$5 fee at non-UOB ATMs worldwide, though this is partially offset by S$5 cashback for up to four ATM withdrawals per year.
Meanwhile, the Wise Multi-Currency Card is strong in cost transparency and low-cost international transfers, but lacks some offline-friendly features that physical card users may expect.
YouTrip remains a favourite for its zero transaction fees and attractive exchange rates, making it suitable for frequent travellers, though ATM withdrawals beyond the free monthly allowance carry a 2% fee.
For users who prioritise perks, the Instarem Amaze Card shines with its ability to link existing Mastercard credit or debit cards, offering real-time FX conversion and allowing users to continue earning rewards on their underlying cards. That said, ATM withdrawal fees and other costs depend entirely on the linked card's terms, and the overall value hinges on having strong rewards cards to begin with.
The Trust Cashback Credit Card is the simplest pick for everyday spenders who want a normal credit card rather than a wallet: no annual fee, no foreign transaction fee, and no minimum spend required to earn cashback. The trade-off is that it doesn't hold foreign currency balances the way a dedicated multi-currency card does.
Rounding out the list, the Citibank Debit Mastercard, through its Citi Global Wallet feature, holds and spends in multiple currencies with zero conversion fees — much like Wise or YouTrip — but ties the benefit to an existing Citibank banking relationship rather than a standalone app.
Frequently asked questions about multi-currency cards in Singapore
It depends on your needs. DBS and HSBC offer robust multi-currency accounts linked to debit cards, while fintech options like Wise and Revolut provide competitive rates and broader features.
The Wise Card is often considered the most transparent, while YouTrip excels for spending in many currencies. Instarem Amaze is best for rewards chasers.
YouTrip and Instarem Amaze both offer 0% FX fees on foreign transactions.
The UOB FX+ Debit Card offers 0% FX fees and no mark-ups, allowing travellers to enjoy close-to-online conversion rates
To avoid extra fees, opt for multi-currency card that offer 0% FX fees and no mark-ups on foreign currency conversions. One option is the UOB FX+ Debits Card, which offers 0% FX fees on 11 currencies and seamless tap-and-go payment worldwide with no top-ups.
Yes, YouTrip has no annual fees, application fees, or transaction mark-ups.
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About the author
SingSaver Team
At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.
The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.