YouTrip Reviews and Comparison - Seedly
 
Reviews (225)
4.7
Reviews (225)
4.7
  • 5
    181
  • 4
    28
  • 3
    9
  • 2
    2
  • 1
    5

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exchange rate

youtrip card

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overseas travel

good rate

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highly recommend

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  • So far so good. Would be better if they can link to debit/credit card directly and deduct from there instead of topping up as funds will be stucked in the account.
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  • Even with the recent popups of similar card services, YouTrip has been working hard to ensure the exchange rates are the most competitive! What I love most about it is I never have to worry when I'm overseas, making purchases with the most competitive rates abroad and removing the worry of not changing enough money for the trip. One of the tricks I use is when I need more cash when I'm traveling overseas with a group, I will pay a meal using my YouTrip card and the rest will return me in the currency of the country we are in which saves me the hassle of withdrawing cash overseas! Unfortunately, as the card is not a bank-issued Mastercard, sometimes I do get rejected at online portals for payments.
    0 comments
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  • Great exchange rate without any extra conversion fees. I have used it whenever I went overseas. Also great for payments to online subscription which charges in USD (e.g. NYT) as the conversion rate is good and also in-app notification is sent to me whenever there are such transactions. Some drawbacks / limitations as of 31 Oct 2019: 1. Can't use for Grab, Shopee 2. Can't withdraw the money out
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  • I've used YouTrip at countries like Malaysia and Taiwan so far, with no hiccups at all. The golden test is when going to China. I couldn't successfully make payment with Didi or WeChat Pay or AliPay, but only on one odd occasion that a Didi transaction was successful, didn't manage to repeat that subsequently though! Otherwise, I think for other more typical countries (with the exception of China), this card really helps reduce the hassle of me worrying about going to the money changer at The Arcade, store a wad of cash and trying to spend all of them on trips. The catch is that many banks do not offer credit card points for top ups to YouTrip, with the exception of SC's cashback card.
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  • I've been using the YouTrip card during my recent trip to Japan, and I must say it is extremely convenient for travelers. When I arrived in Japan, I realised that I did not exchange enough local currency for my expenses. YouTrip allowed me to exchange my funds while being on-the-go which was extremely convenient! I would have given them 5-stars. However, there was an issue that cropped up which resulted in me rating them 4-stars instead of the full rating - lengthy duration for transaction reversal. What happened was when I arrived at my hotel on the first day of my trip, I converted my SGD to JPY on the YouTrip app for the payment of my hotel. This amounted to approx. $500 sgd. Unfortunately, the hotel staff charged 600 JPY lesser to my YouTrip card and had to reverse the transaction and re-charge me. Since the reversal was not instantaneous, I decided not to exchange even more SGD as I did not want to have an excess of JPY in my YouTrip account at the end of trip so I had to pay in cash. What disappointed me a little was that the transaction reversal took too long - 8 days to be exact. This meant that my $500 worth of JPY was returned back to my account only after my trip ended when I returned to Singapore. I had to exchange the JPY back to SGD, resulting in me losing some cash, albeit not much. What I hoped was that the transaction reversal could be processed faster so I could have spent the JPY during my trip. While this was an one-off incident that could have been avoided by the hotel staff, I really hoped that the process could have been expedited. Nonetheless, I'm glad I signed up for YouTrip and it has indeed served its purpose and brought great convenience to me throughout my trip.
    3 comments
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    Clifford Yeo
    Clifford Yeo

    3w ago

    Yes, but what if I was overcharged? I would still have to cancel the transaction and the same issue of delayed reversal arises.
    Kelly Trinh
    Kelly Trinh

    3w ago

    Yes the reversal process is very very annoying for customer. Its a bit hard for YT to solve if the merchant isn't cooperative so in cases where it is an under charge then best to workaround
  • Updated on 18 Oct 2019
    APPLICATION: I applied more than one month ago for my trip last week and the app just says "we are processing your request", didn't get the card in time for the trip and no idea how to activate it... [UPDATE] 2 months after I signed up for the Youtrip card, I finally got a text saying that my card will arrive in 7 - 14 days. -.- USAGE: Despite the initial hiccup, I've got to say YouTrip is an absolute solution to all your travel money issues. I love it!! 1. Don't have to worry about not bringing enough money cause you can always top-up on the spot (min $20) When I went JB this weekend I didn't have to change money AT ALL!! 2. There's a auto convert function that still allow you to pay for your items if you forgot to convert your SGD to whatever currency beforehand 3. Exchange rate def far better than banks
    2 comments
    1
    Jeremy
    Jeremy

    04 Oct 2019

    Hi Yixuan, I'm Jeremy from YouTrip and sorry for the long waiting time you had to go through while we processed your application. Thank you for your feedback and we should have done better in managing your expectations. Hope your experience using the product has been great so far otherwise and please feel free to let us know any additional feedback you might have :)
    Huang Yixuan
    Huang Yixuan

    14 Oct 2019

    Well thankfully your product is great, super convenient!!
  • I've been using the YouTrip card for quite some time now to countries such as Indonesia, Malaysia, Japan and Thailand. Pros: Functionality wise, it worked without a hitch. All transactions went through as you would expect so you can just pay in confidence. I love how it works real time too! During one of my recent trips to Japan, my card was rejected due to an insufficient balance. However, I was able to top up my card on the spot within a minute or two and the transaction went through. Definitely pleasing to see how quick I can whip it out. I also love that I can trade my currency at the current rate and keep it in my wallet. If you are planning to go to a country with one of the supported stored currencies, be sure to look out for good rates to change your money while waiting for that holiday to happen! Generally, YouTrip does what it's supposed to do and works pretty well. If you need a basic card to spend overseas or to have the convenience of changing currency on demand, this will get the job done :) Cons: The application is not exactly the most stable. The top up functionality has downtime once in awhile. At fairly frequent instances, I have been logged out of the application and have to log in again with my password / pin code / verification again. This is a small thing but it does get irritating sometimes - especially when you want to do something immediately. Unlike Revolut, you will not be able to transfer money back into your bank account which you topped up into YouTrip. So make sure you only top up what you need! This can be fairly annoying when you have money stuck in your wallet which you do not want to withdraw with a fee.
    0 comments
    1
  • Posted on 16 Oct 2019
    I brought the card to China for a 4-day trip. Unfortunately, as the Youtrip card is not a bank-issued Mastercard, my card was rejected by the merchants in China. Moreover, I had difficulty in withdrawing from the local atms and that got my card locked. As gmail is blocked in China, I was unable to reset my PIN. Fortunately, I had a local friend who helped me to pay for the rest of my trip. Otherwise, I would have stuck in China cashless. Suggestion: do provide a user-friendly guide in terms of how to use the Youtrip card, especially in countries that do not accept your card. Regardless, I would still give it a try for my next trip to USA and Japan. We will see how it goes then. #fingerscrossed
    0 comments
    2
Questions (56)

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Multi Currency Cards

Grab

YouTrip

TransferWise

Revolut

Lifestyle

Derek Koo
Derek Koo
Level 4. Prodigy
Answered 4d ago
Think this has been answered many times. top up grab using uob one or citi rewards or Amex krisflyer, then use grab master card to top up the others.

Multi Currency Cards

YouTrip

Youtrip don't allow to/from other wallets (see below) but otherwise prepaid cards are ok. https://support.you.co/hc/en-us/articles/360021352893-What-are-some-platforms-that-cannot-accept-payments-with-YouTrip-

Investments

Multi Currency Cards

Revolut

YouTrip

Travel Insurance

Junus Eu
Junus Eu
Top Contributor

Top Contributor (Oct)

Level 8. Wizard
Answered 2w ago
Yes, I used Youtrip in Japan and absolutely loved it - no challenges faced. The only thing with Japan is that not all places accept card - for eg. my favourite matcha soft serves were all paid in cash. But for all the mastercard friendly places, Youtrip is awesome! Haven't used Revolut yet, but it would be good to test both out.

YouTrip

Multi Currency Cards

DBS Live Fresh Card

Payments

You mean like the linked Iinstalment Payment Plan below? https://www.dbs.com.sg/personal/cards/card-services/payment-plans YouTrip isn't one of the listed providers, so it would fall under the DIY My Instalment Plan - while they say "no interest" there is an upfront fee which effectively make this a loan. To be fair, DBS is quite transparent with the Effective Interest Rate (EIR), so just look at website to see cost... This doesn't seem like a good idea...

Multi Currency Cards

YouTrip

They just started Thailand as next market they are going live in (latest app update asks you were you are from with choice of SG or TH). For those posted/working there tho, no dice - product is targeted at Thai not expats (need local ID card to register) Also, from Nov 4th - YouTrip have sharpened up their FX offering - previously was using Mastercard rates (with some small but noticable margin embedded) but now using mid-market rates similar to Revolut. Very competitive!

Multi Currency Cards

YouTrip

I'd say unlikely to happen due to the principal-agency problem: the agent (the travellers) don't actually pay the bills, it is the principal (the company) who pays. Companies want to use YT sharp rates but then it is the travellers who are choosing which card to use. Reconciling the difference in incentives is what prevents YT from hitting the business travellers market - if they can work it out then certainly would be very lucrative

YouTrip

Revolut

Multi Currency Cards

Credit Card

If you’re comparing on features, Revolut is better. If you’re comparing just on exchange rates, I would say get both since it’s free, and see which offers the best rates at the point of purchase. Based on my comparisons, Revolut wins YouTrip in USD, HKD, AUD & NZD but loses in JPY. Disclaimer: I only compared these 5 currencies.

Multi Currency Cards

YouTrip

Krista
Krista
Level 5. Genius
Answered 2w ago
I don't think I can answer for profit margins... 😅 But here's how YouTrip makes their money if you're wondering about that: https://support.you.co/hc/en-us/articles/360006203793-How-do-we-make-money- "Whenever you spend with your YouTrip card, we take a small commission of each purchase from the merchant through Mastercard as our revenue." But as a start-up, I'm sure YouTrip is definitely open to building relations with investors who share the same vision. :)

Multi Currency Cards

YouTrip

Krista
Krista
Level 5. Genius
Answered 2w ago
There aren't any penalty charges for negative balance within your YouTrip wallet. There isn't even any minimum amount to maintain in your YouTrip wallet ever since dormancy fee was removed. https://support.you.co/hc/en-us/articles/360000608394-What-is-dormancy-fee- Since YouTrip works like a prepaid debit Mastercard, card usage might be hindered if you have a negative balance. All card functions should operate as per normal after topping up the negative balance :)

YouTrip

Multi Currency Cards

Looks unlikely. A non-top-up credit card would mean unsecured lending. As part of the regulatory framework - MAS has restricted consumer lending and other banking services to existing market participants and not the Payment Services Act that YouTrip operates under. See page 20 of the FAQ released by regulator below. https://www.mas.gov.sg/-/media/MAS/FAQ/Payment-Services-Act-FAQ-4-October-2019.pdf
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About YouTrip
OperationsYouTrip is developed by You Technologies Group Limited. Based in Hong Kong and Singapore. Started in 2016 in with a core focus on travellers.
TypeMobile app with a physical Mastercard (also EZLINK)
Currencies SupportedIt also supports exchange of 10 currencies so you can conveniently lock-down competitive rates before your trip.
FeesFree signup for card 0% Transaction fee 0% Top up fee $5 Dormancy fee (after 12 months of inactivity)

About YouTrip

YouTrip is Singapore’s first multi-currency mobile wallet with a prepaid Mastercard. Specially designed for travellers to pay overseas with no fees in over 150 currencies, YouTrip’s app allows you to exchange and store up to 10 currencies in-app so you can conveniently lock-down competitive rates before your trip.

YouTrip Features

  • Supports currency conversion of over 150 currencies
  • Supports exchange and lock-down of competitive rates for up to 10 in-app currencies
  • Cash withdrawal available overseas with Mastercard, Maestro or Cirrus ATMs outside of Singapore at wholesale exchange rates. A withdrawal fee of SGD5 or foreign currency equivalent will apply.
  • Easy card deactivation through the app if YouTrip Mastercard is misplaced
  • Instant notifications each time a transaction is made

How It Works

  • Top up your YouTrip wallet on your mobile phone with any SGD credit or debit card for up to SGD3,000.
  • Monitor and exchange currencies at your preferred rates at any time. An alternative would be to utilise YouTrip’s SmartExchange technology, which allows automation in the exchange of current rates as you spend overseas.
  • Enjoy no transaction fees when used for cashless payments in-store and online worldwide.

More Info

You can visit YouTrip’s T&Cs here, and support here.

YouTrip Contact Info

  • Email: [email protected]
  • Contact number: +65 6904 9334
  • Address: 80 Robinsons Road, #02-00
  • Singapore 068898