I still prefer Youtrip, for the rates and also the range of currencies they cover. For example, I was just in Laos and while the local money changer did not accept SGD, Youtrip actually supports Laotian kip. I also used Youtrip on my Japan trip, and found rates to be comparable to what I could get from the Raffles Place money changers. This would probably apply even for shopping in foreign currencies. Another big plus - when I was out of JPY for a transaction, it converted my SGD to JPY. Which also means, no small change that I need to change back to SGD when I get back! For me, that's a nice plus since I typically don't like to change it back to local currency. I don't mind using it as a one-way wallet, because I use Youtrip as an EZ-Link card as well for my local commute!