If you're comparing by number of currencies either support, DBS Multi-Currency supports more (12 + SGD vs 10). If you do not have a DBS account, YouTrip will be a more convenient solution since it's an app.
Youtrip has better rates, DBS allows you to withdraw out anytime (by converting to SGD). Youtrip is a one-way wallet. You can only empty it by 1) using it fully at a merchant, 2) keep the account active, upon expiry, but subject to their approval.
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Answered on 23 Sep 2018
Yes you are right, DBS Multiplier is just a DBS MCA with steroid at higher interest rate. I don't see any downside except the min 3k balance or else with admin charges and the higher interest rates (eg.1.85%) comes at the cost that one must do 2 types of transactions with DBS.