YouTrip vs Revolut vs Wise in Singapore 2026 — which to sign up for? (+ referral links for all three)

Planning a trip and not sure which multi-currency card to get? I've used all three. Here's my honest take, plus working referral links with bonuses:

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My take:

For pure travel spending in Asia and Europe, YouTrip is my primary card. 0% FX with no subscription drama, and the in-app exchange lets me lock in SGD→EUR or SGD→JPY when rates look good.

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I keep Wise as a backup for large transfers home when I'm working overseas.

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Referral links (all working as of August 2026):

✅ YouTrip: https://youtrip.onelink.me/3xWB/yl8lcxlf→ Get S$5 on first top-up | Full details: https://dlcuration.com/youtrip-referral-code.html

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(Note: YouTrip doesn't use a referral code — the link does the tracking)

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Extra YouTrip bonus:

DLCuration is running a draw for people who sign up via their link — monthly S$5 and annual S$50 in vouchers. Email [email protected] after your first top-up to enter. Full T&Cs at https://dlcuration.com/youtrip-referral-code.html

Happy to answer questions about any of the three cards 🙂