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YouTrip review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

YouTrip suits people who spend and get paid in several currencies and want no running charge. The prepaid Mastercard account holds 12 currencies, runs a monthly fee of SGD 0 and gives a free ATM allowance of SGD 400 for trips where cash is still needed.

Key facts

Best for
Multi-currency spending abroad without a monthly fee or conversion charge
Monthly fee
SGD 0↗
Currency conversion fee
0%↗
Free ATM withdrawals
SGD 400↗
Card type
Prepaid↗
Top-up fee
Free↗
Card network
Mastercard↗
Currencies
12↗
Legal entity
You Technologies Group (Singapore) Pte Ltd↗
Headquarters
Singapore↗
Founded
2018↗
Support channels
Email, Chat, Phone, Help-centre↗
Features
Multi-currency, Virtual card, Travel
Audience
Business, Kids
Official website
you.co

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInitunes.apple.comfacebook.com

Pros and cons

Pros

  • Monthly fee of SGD 0 and top-up fee of free
  • Currency conversion fee of 0%
  • A free ATM allowance of SGD 400
  • One account holding 12 currencies

Cons

  • The card is prepaid, so you spend only what you have loaded
  • The free ATM allowance sits at 11 of 124 on this measure
  • Currency holdings stop at 12 currencies
YouTrip

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • People who travel and want several currencies in one place
  • Business customers paying suppliers in other currencies
  • Parents setting up a card for kids

Who should look elsewhere

  • Wise, if you need a longer currency list than 12
  • Varo Believe Secured Credit Card, if you want to borrow and repay rather than spend loaded funds
  • bunq, if you want an everyday bank balance instead of travel money

The company behind it

YouTrip runs as You Technologies Group (Singapore) Pte Ltd, a SG company founded in 2018. It is licensed by the Monetary Authority of Singapore as a major payment institution under the Payment Services Act. Support runs through email, chat and phone, so you can reach the team by phone, chat, email or the help centre.

How YouTrip compares

Where YouTrip is available

Available
Australia, Malaysia, Singapore, Thailand
Licence in Singapore
Monetary Authority of Singapore (major payment institution licensed under the Payment Services Act), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is there a monthly fee to hold a YouTrip account?+

The monthly fee is SGD 0, and top-up fees are free, so adding money to the account adds nothing to the running cost. That makes the annual cost of keeping the account open easy to plan around.

What does it cost to spend in another currency?+

The currency conversion fee is 0%. Because the account holds 12 currencies, you can also switch into a currency you already hold and pay straight from that balance, which avoids paying the conversion charge on every payment.

Can I take out cash without paying a fee?+

The free ATM allowance is SGD 400. Across prepaid cards on the site the median is €0, so treat the cash machine as something to use sparingly while abroad.

Is YouTrip a credit card?+

No. The card is prepaid and runs on mastercard, so it spends only the balance you have loaded. Nothing accrues on what you spend, and there is no balance to repay at the end of the month.

Who regulates YouTrip?+

YouTrip is licensed by the Monetary Authority of Singapore as a major payment institution under the Payment Services Act. The operating company is You Technologies Group (Singapore) Pte Ltd, based in Singapore, and the licence covers the payment services it offers.

What kind of account is this card designed for?+

It is built for business and kids customers as well as everyday travel use, and the feature set covers multi currency, virtual card and travel. The card is prepaid on the mastercard network, and the free ATM allowance is SGD 400.

How do I reach YouTrip if something goes wrong?+

Support runs through email, chat and phone, covering chat, phone, email and a help centre. You can call, start a chat, send an email or browse the help centre, so a blocked payment needs no branch visit and leaves you a written answer to keep.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

YouTrip

YouTrip

Multi-currency spending abroad without a monthly fee or conversion charge

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