facebookYouTrip Card Reviews and Comparison - Seedly

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4.7
540 reviews
claimed

Claimed

This product is managed by YouTrip.

USER RATINGS

Application Process

4.7

User Experience

4.6

Customer Support

4.5

YouTrip

Mastercard

TYPE

Free

CURRENCY EXCHANGE FEES

N/A

MONTHLY FEES

$5/transaction

OVERSEAS ATM WITHDRAWAL FEES

150+

SUPPORTED FIAT CURRENCIES

YouTrip

Mastercard

TYPE

Free

CURRENCY EXCHANGE FEES

N/A

MONTHLY FEES

$5/transaction

OVERSEAS ATM WITHDRAWAL FEES

150+

SUPPORTED FIAT CURRENCIES

Details

Product Page Transparency

  • Claimed in October 2020

YouTrip Review 2021

YouTrip is Singapore's first multi-currency travel wallet with a linked Mastercard. It allows travellers to pay in over 150 currencies worldwide with get this... 0 transaction fees! How sick is that? And you can even store up to 10 currencies in your YouTrip wallet, allowing you to cop the best currency rates anytime before your intended trip!

Features of YouTrip

  • 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 S$5 or foreign currency equivalent will apply.
  • Easy card deactivation through the app if your YouTrip Mastercard is misplaced
  • Instant notifications each time a transaction is made
Read More about YouTrip Card
Reviews (540)

4.7

540 Reviews

  • 5
    422
  • 4
    83
  • 3
    23
  • 2
    4
  • 1
    8

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    Most HelpfulMost RecentLow to HighHigh to Low
      Posted 8d ago

      Purchased

      YouTrip

      its convenient to use and top up through the app however the transaction history takes a while to update in the app. So sometimes you are not sure how much you are left with exactly. Also, maybe its just me. My card is expiring in Feb 2022, on 4 Jan 2022 i received the notif to request for a new card. I did it but after a week plus(?), on 13 jan ive still yet to receive the new card. Texted the customer service twice. First time they said cos on 4 jan they sent out many cards so maybe there was a DELAY. IM LIKE BRUH….. i receive my taobao parcels and other mails JUST FINE. So they told me to wait till 17 jan and if i still didnt receive i can let them know again and they will send me a new one. So ok nvm i waited AND I REALLY STILL DIDNT RECEIVE. Then thats when i texted the customer service again and this time they apologised and said yea they are going to send me a new one and i will receive in 3-5 working days. Sigh… then because of this stupid youtrip, somehow they also suspended my current card????? Like bro??? Youre the one who hasnt sent me the card and you dare to suspend my expiring one? And i ended up having to pay $2 in cash to take a bus. TLDR: more features could be installed in the app - like delivery status of THE NEW CARD. Customer service is good la... trying to resolve issues... but err really got to work on the features of the app.

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      Posted 19d ago

      Purchased

      YouTrip

      Being using for quite long and it’s good. Even though now cannot go overseas but able to use it as ezlink card for daily transportation. Overall good.

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      Posted 30 Nov 2021

      Purchased

      YouTrip

      [Customer Support] I enquired regarding the ability to add another card after my Credit Card expired. I wrote to customer service as it would allow me enter the card details as required, but no button appeared to submit the information entered. The customer service person wrote, "May we advise changing your display size in your mobile settings and trying launching the YouTrip app again as it might be due to the resolution of the screen." When I tried, it was no better. The application does not respect iPhone screen display. However the issues was closed and the problem was not passed onto the development team to fix. I wrote subsequent feedback, which was ignored. They did not check to see if the problem existed but put the onus on the user problem, however it should matter what the screen resolution is of the device, but proper software testing should have detected the issue. Poor customer support as the did not follow up and ignored subsequent feedback. [Features] No ability to update credit card details once entered. No notifications sent to app when the card is used.

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      Posted 26 Nov 2021

      Purchased

      YouTrip

      I have been using it for a long time. good used for travelling oversea used. They even send me a new card before it expired date which i didnt even notice since cant travel out. overall the card is gd.

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      Posted 22 Nov 2021

      Purchased

      YouTrip

      The worst customer support ever. One-sidedly closed my account without my consent and didn't refund my money for over 2 months. Then started charging me for the refund process.

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      Posted 17 Nov 2021

      Purchased

      YouTrip

      I had been using my youtrip card for my recent visit to Austria. The exchange rate I will say it’s better compared to local banks and the card works as a master card and be used anywhere, be it to buy metro tickets as well. All you need is to convert first.

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      Posted 04 Nov 2021

      Purchased

      YouTrip

      [Features] exchange rates are decent. Have used it to make payment in USD for a subscription , save some bucks

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      Posted 27 Oct 2021

      Purchased

      YouTrip

      [Features] Some of the advantages include: 1. The merchant is charged by YouTrip, not you 2. Simple and convenient to use (akin to google pay or grabpay) 3.Favourable exchange rates (better than those money exchange people at Arcade)

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      Posted 26 Oct 2021

      Purchased

      YouTrip

      Youtrip provides a much better exchange rate compared to using credit cards when used to purchase items overseas.

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      Posted 21 Oct 2021

      Purchased

      YouTrip

      Easy to use, will utilise it again when travelling is back to normal. Good fx rates compared to credit cards.

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      How Does YouTrip Work?

      • Top up your YouTrip wallet on your mobile phone with any SGD credit or debit card for up to S$3,000.
      • Monitor and exchange currencies at your preferred rateas 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.

      YouTrip Review 2021: All You Need To Know About the YouTrip Card & its 0% Transaction Fee

      YouTrip Multi Currency Account Wallet Reviews

      The YouTrip card launched in August 2018 by EZ-Link, You Technologies and Mastercard. This supposedly magical card enables users to pay in more than 150 currencies without currency conversion or transaction fees.

      Since I have some travel plans coming up, I decided to give this MCA a shot and applied for it. To my surprise, the card arrived within the same week.

      Set-up was pretty simple:

      1. Sign up online
      2. Card will be delivered to you
      3. Download the app
      4. Register and activate your card
      5. Link bank account to YouTrip account
      6. Top up your card
      7. Use for online/overseas purchases/bus & train fares

      Payments and In-App Exchange

      YouTrip prides themselves as enabling users to

      • make purchases using your YouTrip card in 150 currencies worldwide
      • no fees no markups at highly competitive wholesale exchange rates.

      The card basically replaces your trip to the money changer with the in-app currency exchange for 10 currencies which lets you store and lock down a good rate for currencies SGD, USD, EUR, GBP, JPY, HKD, AUD, NZD, CHF, and SEK.

      For a list of the best money changers (both online and offline), you’re gonna want to read this guide here.

      Apart from USD and AUD, the rates seem to be more favourable via the YouTrip card.

      Is the YouTrip card a credit card?

      No, the YouTrip card works like a prepaid card. This is great as it

      • helps you keep to a travel budget
      • is a safer choice for travel in case of lost or stolen card incidents
      • locks in up to 10 different currencies any time via the YouTrip in-app currency exchange function.

      Benefits of using the YouTrip card:

      • Free sign up, no card fees and no minimum account balance to keep (as at 1 Dec 18)
      • Works like a MasterCard worldwide i.e. make purchases overseas and in SG
      • Spend in overseas local currency from the wallet at no extra cost (similar to UOB/DBS)
      • Spend SGD overseas with 0% transaction fee. This is good because:
        – MasterCard usually charges a 1% fee for Singapore cards
        – Banks usually charge an additional fee on top of this
        – YouTrip claims to use ‘wholesale exchange rate’, but so does every other bank when making foreign purchases
        – MasterCard Cirrus/Maestro rates are usually better than that of Plus! Visa
      • Top up via debit/credit card
      • If there is insufficient local currency in your account, the system will deduct the shortfall from other currencies in your wallet in this order: SGD, USD, EUR, GBP, JPY, HKD, AUD, NZD, CHF, SEK

      For example: If you are travelling to Hong Kong (HKD) for holidays next year and the HKD is now low compared to the Singapore dollar, you can store HKD in the wallet for use later.

      An accompanying app on your phone also lets you monitor exchange rates and transactions on the go.

      This is a cashless alternative to going to the money changer and keeping cash at home.

      Some drawbacks of using YouTrip:

      • ATM withdrawal fee (overseas local currency from any ATM): S$5 (declared upfront)
        – DBS and UOB have regional partners that do not charge a fee
      • The minimum top-up amount is SGD$20 and maximum storage limit is SGD$3,000.
      • Daily spending limit of S$6000
      • Inactivity after 12 months (a reminder is sent at 9 months): $5 fee
      • Even with foreign currencies in account wallet, you may be subject to Dynamic Currency Conversion(DCC) by foreign merchants/retailers
      • One-way wallet. Can only empty it by using it up fully at a merchant.
      • Unable to get money back even with termination of card, so deplete remaining money before terminating
      • To avoid “losing” money, pay for your bus and MRT train rides in Singapore with whatever remaining money in the account
      • No termination fee imposed, but user will not be able to sign up for YouTrip again after termination

      What other options are there in the field of MCAs?

      Multi-currency accounts (MCA): UOB MightyFX, DBS MCA, Revolut
      No txn fee ATM cards: CIMB ATM card, Revolut ATM card (coming soon!)

      Verdict:

      Full disclosure, I feel like I have not yet fully exploited the benefits of the YouTrip, but it does look promising so far. YouTrip’s main page is pretty open and states their terms in black and white, which is important to convince people to park their funds in the wallet.

      This YouTrip card is great for frequent travellers, people who love a life-hacking app, and people who believe in carrying no cash but just a card on the go.

      Despite the inability to withdraw your money from the MCA, I like the idea that you can simply deplete the money in the account by paying for train or bus rides.

      Can't decide between Revolut or Youtrip? Read our comparison here: Youtrip vs Revolut - Multi-Currency Cards Comparison

      About YouTrip

      YouTrip is Singapore’s first multi-currency mobile wallet which comes in the form of 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.

      Contact YouTrip

      • Contact number: +65 6904 9334
      • Address: 80 Robinsons Road, #02-00, Singapore 068898

      Contact us at [email protected] should you require any assistance or spot any inaccuracies.

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