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YouTrip – Spend Smarter overseas

youtrip

Launched on Aug 2018 is this app/card called YouTrip. It is a prepaid multi-currency mobile wallet that does not charge any transaction fees for over 150 countries which means you get a good exchange rate.

There are 2 parts to Youtrip, 1 is the youtrip card which acts like a debit card (It is not a credit card). So you will need to put top up amount first before using it. 2nd is the mobile app where you control the card like topping up, see your transactions, lock the card etc.

It is produced by Ezlink, Mastercard and You Technologies , they called it a smarter and cheaper way to pay overseas. Works anywhere that accepts mastercard which has around a few millions merchants around the world.

Advantages of using Youtrip

Because normal credit/debit card charges the following:

  •  Cross-Border Transaction Fees
  •  Foreign Exchange Fees
  • MasterCard usually charges a 1% fee for Singapore cards
  • Banks usually charge an additional fee on top of this
Youtrip Singapore

See the infographic above as an example, for 500 euros it will cost SG$812 when you use YouTrip instead of SG$843 when you use other credit/debit card.

Supported currencies

There is a total of 150 currencies supported.

  • Singapore Dollar (SGD)
  • United States Dollar (USD)
  • Euro (EUR)
  • Great Britain Pound (GBP)
  • Japanese Yen (JPY)
  • Hong Kong Dollar (HKD)
  • Australian Dollar (AUD)
  • New Zealand Dollar (NZD)
  • Swiss Franc (CHF)
  • Swedish Krona (SEK)
  • Malaysian Ringgit (MYR)
  • Thai Baht (THB)
  • Chinese Yuan (CNY)
  • Indonesian Rupiah (IDR)
  • Indian Rupee (INR)
  • Philippine Peso (PHP)
  • Taiwan Dollar (TWD)
  • Korean Won (KRW)
  • Vietnamese Dong (VND)
  • Canadian Dollar (CAD)
  • United Arab Emirates Dirham (AED)
  • Afghan Afghani (AFN)
  • Albanian Lek (ALL)
  • Algerian Dinar (DZD)
  • Angolan Kwanza (AOA)
  • Argentine Peso (ARS)
  • Armenian Dram (AMD)
  • Aruban Florin (AWG)
  • Azerbaijani Manat (AZN)
  • Bahamian Dollar (BSD)
  • Bahraini Dinar (BHD)
  • Bajan Dollar (BBD)
  • Bangladeshi Taka (BDT)
  • Belarusian Ruble (BYN)
  • Belize Dollar (BZD)
  • Bermudan Dollar (BMD)
  • Bhutanese Ngultrum (BTN)
  • Bolivian Boliviano (BOB)
  • Bosnia-Herzegovina Convertible Mark (BAM)
  • Botswanan Pula (BWP)
  • Brazilian Real (BRL)
  • Brunei Dollar (BND)
  • Bulgarian Lev (BGN)
  • Burundian Franc (BIF)
  • Cambodian Riel (KHR)
  • Cape Verdean Escudo (CVE)
  • Cayman Islands Dollar (KYD)
  • Central African CFA Franc (XAF)
  • CFP Franc (XPF)
  • Chilean Peso (CLP)
  • Colombian Peso (COP)
  • Comorian Franc (KMF)
  • Congolese Franc (CDF)
  • Costa Rican Colón (CRC)
  • Croatian Kuna (HRK)
  • Cuban Peso (CUP)
  • Czech Koruna (CZK)
  • Danish Krone (DKK)
  • Djiboutian Franc (DJF)
  • Dominican Peso (DOP)
  • East Caribbean Dollar (XCD)
  • Egyptian Pound (EGP)
  • Ethiopian Birr (ETB)
  • Falkland Island Pound (FKP)
  • Fijian Dollar (FJD)
  • Gambian Dalasi (GMD)
  • Georgian Lari (GEL)
  • Ghanaian Cedi (GHS)
  • Gibraltar Pound (GIP)
  • Guinean Franc (GNF)
  • Guatemalan Quetzal (GTQ)
  • Guyanese Dollar (GYD)
  • Haitian Gourde (HTG)
  • Honduran Lempiras (HNL)
  • Hungarian Forint (HUF)
  • Icelandic Króna (ISK)
  • Iraqi Dinar (IQD)
  • Israeli New Shekel (ILS)
  • Jamaican Dollar (JMD)
  • Jordanian Dinar (JOD)
  • Kazakhstani Tenge (KZT)
  • Kenyan Shilling (KES)
  • Kuwaiti Dollar (KWD)
  • Kyrgystani Som (KGS)
  • Laotian Kip (LAK)
  • Lebanese Pound (LBP)
  • Lesotho Loti (LSL)
  • Liberian Dollar (LRD)
  • Libyan Dinar (LYD)
  • Macanese Pataca (MOP)
  • Macedonian Denar (MKD)
  • Malagasy Ariary (MGA)
  • Malawian Kwacha (MWK)
  • Maldivian Rufiyaa (MVR)
  • Mauritanian Ouguiya (MRO)
  • Mauritian Rupee (MUR)
  • Mexican Peso (MXN)
  • Moldovan Leu (MDL)
  • Mongolian Tugrik (MNT)
  • Moroccan Dirham (MAD)
  • Mozambican Metical (MZN)
  • Myanmar Kyat (MMK)
  • Namibian Dollar (NAD)
  • Nepalese Rupee (NPR)
  • Netherlands Antillean Guilder (ANG)
  • Nicaraguan Córdoba (NIO)
  • Nigerian Naira (NGN)
  • Norwegian Krone (NOK)
  • Omani Rial (OMR)
  • Pakistani Rupee (PKR)
  • Panamanian Balboa (PAB)
  • Papua New Guinean Kina (PGK)
  • Paraguayan Guarani (PYG)
  • Peruvian Sol (PEN)
  • Poland Złoty (PLN)
  • Qatari Rial (QAR)
  • Romanian Leu (RON)
  • Russian Ruble (RUB)
  • Rwandan Franc (RWF)
  • Saint Helena Pound (SHP)
  • Salvadoran Colón (SVC)
  • Samoan Tala (WST)
  • São Tomé and Príncipe Dobra (STD)
  • Saudi Riyal (SAR)
  • Serbian Dinar (RSD)
  • Seychellois Rupee (SCR)
  • Sierra Leonean Leone (SLL)
  • Solomon Islands Dollar (SBD)
  • Somali Shilling (SOS)
  • South African Rand (ZAR)
  • South Sudanese Pound (SSP)
  • Sri Lankan Rupee (LKR)
  • Surinamese Dollar (SRD)
  • Swazi Lilangeni (SZL)
  • Tajikistani Somoni (TJS)
  • Tanzanian Shilling (TZS)
  • Tongan Pa’Anga (TOP)
  • Trinidad & Tobago Dollar (TTD)
  • Tunisian Dinar (TND)
  • Turkish Lira (TRY)
  • Turkmenistan Manat (TMT)
  • Ukrainian Hryvnia (UAH)
  • Ugandan Shilling (UGX)
  • Uruguayan Peso (UYU)
  • Uzbekistani Som (UZS)
  • Venezuelan Bolivar (VEF)
  • Vanuatu Vatu (VUV)
  • West African CFA franc (XOF)
  • Yemeni Rial (YER)
  • Zambian Kwacha (ZMW)

Online money changer

youtrip currency exchange

Another feature of this app is that it is also an online 24/7 money changer for the following 10 currencies which means you can exchange and keep the money in your app first.

youtrip review

SG Dollars, US Dollars, Euros, British Pounds, Japan Yen, HK Dollars, Aus Dollars, NZ Dollars, Swiss Frank, Swedish Crona.For the rest of the currencies which is not in this 10, example Malaysia. You cannot exchange beforehand but instead it will follow the rate when you purchase something.

To explain it in simpler terms, example you are going to USA and you get to know the current exchange rate is very good, from you app you can straight away exchange your money to US$. So you do not need to rush to the Money changer to change it. You exchange it and keep that money in the app.

youtrip currency exchange
You can see the Exchange rate in the app. So monitor and see if the exchange rate is good, then straight away exchange it

How to apply?

To apply for this card, you can download the app and it will give you the instructions on how to apply for the card. I received it around lesser than 2 weeks

youtrip card
It has finally arrived!
youtrip card
youtrip card
Pull to reveal card, looks good!

Once you have received the Youtrip card, go to the app to activate it. Then top up your youtrip card via a debit/ credit card and start using it!

Using Youtrip card for the first time when i was in JB

youtrip in malaysia
You can track your transaction in the app
youtrip in malaysia
As you can see the rate is better than normal money changer rate. According to google during this day 1MYR = SGD 0.33. This is a very good rate

Youtrip Review

So far my experience with youtrip has been great. For someone who always travel to JB, i top up a certain amount every month to spend in Malaysia.

I have not yet travelled far with youtrip but reading from others experience and from the features of the card, it has been a great experience for a lot of users. So apply for your youtrip card now and experience it for yourself!

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