Hi! How do you use youtrip in Msia? Is it on the spot top up $ (via paynow ok?) into youtrip, then tap the physical card paywave ? How do you know the exchange rate though? Thanks!

You can top up with PayNow or credit card on the spot. I feel that topping up with credit card is simplest. Use it like debit card, it deducts your purchases instantly. You can check the equivalent SGD amt of MYR using the app.

You can top up youtrip using paynow anytime. Then in Msia and overseas just use as a debit card. The deduction will appear almpst immediately in your youtrip app and you can see the exchange rate from there. The exchange rate follow very closely to the mastercard bank rate, so u can download currency converter app to check the exchange rate.