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Been using YouTrip for overseas trips for a while now and honestly it's hard to beat for multi-currency spending.
The rates are based on the real mid-market rate (no markup), and it works across 150+ currencies. Whether you're exchanging before the trip or just tapping to pay abroad, it's pretty seamless.
No referral code for YouTrip Personal — just a direct sign-up link through my guide:
Sign up here: https://thekopinotes.com/youtrip-referral-code/
If you're comparing travel cards or looking for other SG finance referral codes (Syfe, Endowus, GXS Bank, TribeCar and more), I keep them all updated here:
https://thekopinotes.com/links/
Happy to share my experience if you're deciding between YouTrip and other options!
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