Does TransferWise have the same procedure, as compared to YouTrip, when there are insufficient funds?

Yes, they will wipe out that currency first before going to the next currency where you have fund.

I have no idea whats the flow like as I only have 2 different currencies in transferwise.

As what Piyush had shared during the event meetup the other day, yes indeed they have a similar kind of way that they do processing for currencies with not enough value.

Eg You buy something which costs 40 AUD

But in your accounts you only have:

• 20 AUD
• 100 SGD

They will wipe out the AUD first and the balance 20 AUD, they will convert at mid market rate from your SGD.

Pretty much something like this :)