6 Best Multi-Currency Cards in Singapore 2025
Updated: 12 Dec 2025
Written bySingSaver Team
Team
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.
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. 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
| Card / Wallet | Available currencies | Overseas ATM Withdrawal fees | Annual & Other fees | Top benefits |
|---|---|---|---|---|
| Wise Card | 40+ |
✅ Up to 2 withdrawals free per month, to S$350 / month 1.75% fee afterwards |
From 0.26% transaction fees based on currency |
|
| YouTrip Card | 150+ |
✅ Up to S$400 / month 2% fee afterwards |
None |
|
| UOB FX+ | 9 |
✅ Free withdrawals Worldwide from UOB ATMs (upto 4 per year) S$5 per overseas withdrawals (after the free limit) |
Debit card fee – S$18.34 annually (waived for first 3 years) |
|
| Instarem Amaze Card | Multiple, supported through linked credit cards |
✅ 2% fee on all amounts withdrawn |
FX transactions: No fees Domestic (SGD) transactions: 1% fee (min. S$0.50) when paired with a linked card |
|
| Trust Cashback Credit Card | Multiple, supported through Visa' network |
None |
None. S$100 late payment fee applies |
|
Best multicurrency cards in Singapore (2025)
For Managing Multiple Currencies Seamlessly: Wise Card
- 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.
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
- 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.
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
- 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)
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
- 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 "
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 integration with existing DBS accounts: DBS Multi-Currency Card
- Get 3% cashback when using Visa payWave by charging a min. of S$500 to your DBS Visa Debit Card and keeping your cash withdrawals to S$400 and below in the same month
- No foreign exchange fee with your Multi Currency Account
- 11 foreign currencies include: Australian Dollar, Canadian Dollar, Euro, Hong Kong Dollar, Japanese Yen, New Zealand Dollar, Norwegian Kroner, Sterling Pound, Swedish Kroner, Thai Baht and US Dollar
- You need to have a POSB Savings Account, DBS Savings Plus Account, DBS Autosave Account, or DBS Current Account
Key Takeaway : DBS Multi-Currency Card
- Exchange rate: DBS bank rates
- ATM withdrawal fees: S$5 + 2%
- Other fees: Linked to DBS Multi-Currency Account
- Notable features: Hold 13 currencies; integrated with DBS banking ecosystem
- Eligibility: DBS account holders
- Security features: DBS digibank app authentication; SMS OTP
- How to apply: Apply via the DBS digibank app or DBS website
In summary, DBS Multi-Currency Card delivers a seamless experience for existing DBS customers by tightly integrating with the bank’s accounts and digital ecosystem. Its biggest advantage is the convenience of managing travel funds directly through familiar DBS platforms, enabling easy top-ups, multi-currency storage, and real-time tracking of overseas expenses.
With support for 13 currencies and the reliability of DBS infrastructure, this card suits travellers who prefer a unified, trusted banking experience when spending abroad.
| Pros | Trade-offs |
|---|---|
|
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Key Takeaways : HSBC Everyday Global Debit Card
- Exchange rate: HSBC bank rates
- ATM withdrawal fees: S$0
- Other fees: Minimum balance required in Everyday Global Account
- Notable features: Spend across 11 currencies; integrated with HSBC banking ecosystem
- Eligibility: HSBC account holders
- Security features: HSBC app security controls; OTP verification
- How to apply: Apply via the HSBC website or at a branch
In conclusion, for users who value the security and reliability of a traditional bank while still wanting the flexibility of multi-currency spending, the HSBC Everyday Global Debit Card is a strong contender. It enables seamless transactions in multiple foreign currencies with no added conversion fees, making it especially appealing to frequent travellers or individuals with international financial needs.
Backed by HSBC’s comprehensive customer support and familiar account ecosystem, this card provides a balanced blend of convenience, security, and global usability.
| Pros | Trade-offs |
|---|---|
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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 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) |
How to choose the best multi-currency card
With so many multi-currency cards available in Singapore, choosing the right one starts with understanding your travel needs. A practical way to decide is to rank your priorities and see how each card measures up.
Always pay close attention to exchange rates and fees. Look for cards that offer low—or ideally zero—foreign transaction fees along with favourable exchange rates. Some cards perform better with specific currencies, so if you frequently visit particular regions, choose an option that aligns with your travel patterns.
Currency support is another key factor. If you’re a frequent traveller, ensure the card lets you hold or spend in a wide range of currencies. ATM withdrawal fees also vary significantly across cards, so selecting one with lower fees can help you access cash more affordably when abroad.
Lastly, consider ease of use. The best multi-currency cards come with intuitive mobile apps for managing funds on the go and provide dependable customer support should you encounter any issues during your travels.
The pros and cons of multi-currency cards
After reviewing the top multi-currency cards available in Singapore for 2025, 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.
Among the top picks, the Revolut card offers one of the widest ranges of currencies paired with competitive exchange rates. However, it does impose limitations on free monthly ATM withdrawals, which may affect frequent cash users overseas.
Changi Pay supports fewer currencies than other cards but compensates with strong integration into Changi Airport services and exclusive travel deals—an advantage for travellers who frequent the airport ecosystem.
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 Account 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. Conversely, the DBS Multi-Currency Account Card is highly convenient for existing DBS users thanks to seamless integration with their banking ecosystem, though it may come with higher foreign currency conversion fees.
For users who prioritise perks, the Instarem Amaze Card shines with its ability to link up to five 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.
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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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.