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.

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.

Revolut Card

• Exchange rate: Interbank exchange rate

• ATM withdrawal fees: Free up to S$350 per month (standard), S$700 per month (premium) or S$1,050 per month (metal), with a 2% fee or a S$1.49 fee (whichever is greater) thereafter

• Other fees: No monthly fees, but some services (e.g., express delivery of card) may incur additional costs

• Notable features: Instant currency exchange, spending analytics, budgeting tools, virtual cards for online shopping

SingSaver’s take

The Revolut card is one of the top choices for travellers. It offers a comprehensive multi-currency account with access to over 30 currencies and is best known for its user-friendly app and real-time spending analytics. Revolut also provides competitive interbank exchange rates, making it an appealing option for frequent travellers.

Wise Card

• Exchange rate: Mid-market exchange rate

• ATM withdrawal fees: Free up to S$350 per month (standard), 1.75% plus S$1.50 fee thereafter

• Other fees: No monthly fees; small conversion fees when exchanging currencies

• Notable features: Low conversion fees, direct debits in various currencies, multi-currency accounts, real-time spending notifications

SingSaver’s take

The Wise card is distinguished by its transparent and low-cost currency conversion fees. With access to 40+ currencies at mid-market rates, this card is best suited for travellers needing to manage multiple currencies seamlessly. Wise is also known for its low fees and real-time notifications.

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YouTrip Card

• Exchange rate: Interbank exchange rate

• ATM withdrawal fees: Free up to S$400 per month, 2% fee thereafter

• Other fees: No annual fees, no hidden charges on transactions

• Notable features: No currency conversion fees, easy top-ups

SingSaver’s take

The YouTrip card is tailor-made for travellers seeking a hassle-free and fee-free multi-currency card. The best part is that it supports over 150 currencies and offers interbank exchange rates without additional charges. YouTrip also provides convenient top-up options and travel insurance benefits, making it a convenient choice for international travellers.

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UOB FX+

• 0% FX fees on all worldwide spends 

• Exchange rate: No mark-ups, on par with interbank exchange rates/mid-market rates

• ATM withdrawal fees:

  • UOB ATMs: Free withdrawals worldwide. 

  • Non-UOB ATMs: S$5 per withdrawal overseas (Get 4 free ATM withdrawals in a calendar year)

• Other fees: Debit card fee – S$18.34 annually (waived for first 3 years)

• Notable features: Set rate alerts or auto-convert currencies to never miss out on your preferred rates, no limit on the amount of foreign currencies you can convert and hold

SingSaver’s take

UOB FX+ offers a slew of features catered to travel and online shopping, packed into one handy debit card. More than just a travel wallet, the UOB FX+ Debit Card lets you spend seamlessly worldwide – just tap-and-go, no top-ups needed. But its most attractive feature lies in how you can lock in today’s rates for tomorrow’s spending – convert and hold currencies in advance at close-to-online rates with no mark-ups via the UOB TMRW app. This travel debit card also comes with free travel insurance with up to US$100,000 in benefits.

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DBS Multi-Currency Card

• 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.

Instarem Amaze Card

• Exchange rate: Competitive exchange rates provided by Instarem

• ATM withdrawal fees: Depends on the linked credit card's terms and conditions

• Other fees: No additional fees for foreign transactions; fees are based on the linked credit card

• Notable features: Link credit cards to the Amaze card for multi-currency payments; earn rewards and cashback from linked credit cards

SingSaver’s take

The Instarem Amaze card is a great choice for travellers as it provides access to multiple currencies at competitive exchange rates. This debit card allows you to link your existing credit cards to simplify payments in multiple currencies. It's also beneficial for earning rewards and cashback from linked credit cards while offering the convenience of multi-currency transactions.

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Trust Cashback Credit Card

• Exchange rate: Close to Visa’s wholesale rates with no markups

• ATM withdrawal fees: None by Trust (fees may be levied by overseas ATMs)

• Notable features: Numberless physical card; functions as both a debit and credit card; no annual fees or foreign transaction fees

SingSaver’s take

The Trust Card, offered by Singapore's first digital bank, Trust Bank, combines the functionalities of a debit and credit card in a single, user-friendly package. It stands out for its fee-free transactions, including no foreign transaction fees, which is a significant draw for overseas spending and online purchases in foreign currencies. 

With competitive exchange rates provided directly by Visa and passed on without markups, it's an excellent option for those seeking transparent and favourable currency conversions. Its strong rewards programme, especially for FairPrice Group purchases and exclusive partner deals, makes it a compelling choice for everyday use and travel.

Besides multi-currency cards, travel insurance is essential for a worry-free trip. It covers medical emergencies, trip cancellations, lost or delayed luggage, travel delays and personal liability, providing financial protection and peace of mind.

With these coverage, you can travel confidently, knowing you’re prepared for unexpected events. Invest in comprehensive travel insurance to ensure a safe and enjoyable journey.

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 you're picking a card, always look closely at the exchange rates and fees. You'll 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're a globetrotter, make sure the card covers a wide array of currencies. And don’t 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.

After exploring the top seven multi-currency cards available in Singapore for 2025, it is clear that each card has its own unique features and benefits. Choosing the best multi-currency card for your travel needs will require you to consider various factors such as available currencies, exchange rates, ATM withdrawal fees and other charges.

When we compare the top seven cards above, the Revolut card generally offers a wide range of currencies with competitive exchange rates but may have limitations on free monthly withdrawals. In contrast, Changi Pay does not support as many currencies as other cards but provides integration with Changi Airport services and exclusive travel deals.

The UOB FX+ Debit Card stands out for its well-rounded benefits, pairing savings via 0% FX fees with extra perks such as free travel insurance and GrabTransport discounts for neighboring countries. The drawback is the S$5 withdrawal fee at non-UOB ATMs worldwide, but this is somewhat offset by the S$5 cashback you get for up to 4 ATM withdrawals per year. 

Meanwhile, the Wise Multi-Currency Account provides cost-effective transfers and transparent pricing structures but lacks physical card options for offline transactions.

As for YouTrip, it stands out for its zero transaction fees and competitive exchange rates, which makes it ideal for frequent travellers. On the other hand, the DBS Multi-Currency Account card offers convenience for existing DBS customers with linked accounts but may have higher foreign currency conversion fees.

For those who value extra perks, the Instarem Amaze card offers convenient multi-currency payments, real-time currency conversion and rewards from linked cards. However, ATM withdrawal and other fees depend on the linked debit or credit card's terms and conditions, and its benefits rely on the underlying cards' rewards and features.

Ultimately, the best multi-currency card will depend on your individual preferences and travel habits. It is advisable to consider these pros and cons carefully to make an informed decision that suits your financial needs or spending habits while travelling abroad.