Multi-currency & Travel Cards
Most currenciesWise
Global multi-currency account and debit card with transparent interbank-rate pricing.
By Marcus Tan·Verified
The verdict
Wise suits travellers who want broad currency support and full fee transparency, or who also need international transfers. For pure local-friendly travel spending with the simplest top-up, YouTrip is leaner.
What’s good
- Supports far more currencies than typical Singapore travel wallets.
- Mid-market exchange rate with fully transparent, itemised fees.
- Doubles as a low-cost international transfer account.
Worth noting
- Conversion is not free — a small fee always applies.
- Physical card has a one-time issuance fee.
- More features than a pure travel card needs if you only spend abroad.
The details
- Starting price
- S$0.00
- Pricing model
- free
- Annual fee
- None
- Physical card issuance
- S$8.50, one-time
- FX conversion
- Mid-market rate plus a small transparent fee
- Overseas ATM withdrawal
- Free up to a monthly limit, then a small fee
- Issuer
- Wise (global, licensed in Singapore)
- Supported currencies
- 40+ currencies held in one account
- Card type
- Debit Mastercard
- Extra use
- Also handles international transfers and receiving foreign currency
Pricing notes. No annual fee. A one-time S$8.50 fee applies to order the physical debit card. Currency conversion uses the mid-market rate plus a small, clearly stated fee.
GST. No GST on currency conversion. Purchases are taxed in the country where they are made.
About Wise
Wise is a global multi-currency account that also issues a debit card, and it is licensed to operate in Singapore. It supports more than 40 currencies and always converts at the mid-market rate with a small, clearly itemised fee — no hidden markup. For Singaporean travellers who also send money abroad or receive foreign currency, Wise does double duty as a travel card and a transfer account.
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