Wise vs Revolut Singapore 2026: Which Multi-Currency Card Is Best?

Searching for the best multi-currency card in Singapore for travel, online shopping, or sending money overseas?

In 2026, the Wise card and Revolut card are the most popular choices for Singaporeans who want to avoid hidden fees, get the best exchange rates, and manage their money globally. But which one actually gives you more value, lower fees, and a better experience?

In this definitive Wise vs Revolut Singapore 2026 comparison, we break down everything you need to know: real exchange rates, ATM withdrawal limits, all fees, international transfers, and app features.

We also compare both to YouTrip — the top multi-currency travel card for Singaporeans — so you can confidently pick the best card for your needs.

Whether you’re planning a holiday, shopping online, or sending money to family abroad, this guide will help you decide: Wise, Revolut, or YouTrip?

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TL;DR: Wise vs Revolut vs YouTrip (2026)

Feature	YouTrip	Wise	Revolut
Wallet Currencies	12	40	30
Annual Fees	None	None	Standard: Free Premium: S$10.99/month or S$109/year Metal: S$21.99/month or S$219/year
Exchange Rate	Real-time wholesale	Mid-market (small fee)	Interbank (markup outside FX hours)
Foreign Transaction Fees	None	Transaction Fee: None Currency Conversion Fee: From 0.26%	1% on weekends
Exchange Limit & Fair Usage Fee	None	None	Standard Plan  Exchange limit: S$5,000/month Fair usage fee: 1% when exceeded. Premium Plan:  Exchange limit: S$15,000 Fair usage fee: 0.5% when exceeded  Metal Plan:  No exchange limits
Overseas ATM Withdrawals	S$400 free per month *2% fee applies thereafter	Up to S$350/month 2 or less withdrawals: Free 3 or more withdrawals: S$1.50 per withdrawal More than S$350/month 2 or less withdrawals: 1.75% fee 3 or more withdrawals: S$1.50 + 1.75% fee	S$350/5 withdrawals free per month *2% fee applies thereafter
Sending Money Overseas	Variable fee shown in-app	Variable fee from 0.26%	Variable fee shown in-app
Bank Withdrawals	10 free bank withdrawals/month For more than 10 bank withdrawals: Request for a refund (S$10 processing fee)	Same currency transfers: Often free Different currency transfer: Fee varies based on currency	5 free transfers *S$2.99 fee for each transfer thereafter.
Top-Up Fees (SG)	No fees (except Visa credit: 1.5%)	PayNow: No fees  Bank transfer: No fees Debit Card, Apple Pay, Linked bank account (eGIRO): Varies by amount from S$0.20	Mastercard debit card: 0.51% Mastercard credit card: 0.62%  Visa debit card: 0.30% Visa credit card: 1.97% International cards: 2.08% Commercial cards: 1.12% From bank accounts in Singapore: Free
Best For	Travellers, zero fees	Sending money abroad	App features, budgeting

Table of Contents:

1. Wise vs Revolut Exchange Rate (2026 Update)
2. Wise vs Revolut Fees
3. Wise vs Revolut ATM Withdrawal
4. Wise vs Revolut for Travel
5. Wise vs Revolut for International Transfers
6. Pros & Cons
7. FAQs
8. Final Verdict

Wise vs Revolut Exchange Rate (2026 Update)

Let’s talk about the most important thing: exchange rates.

Currency	YouTrip	Wise	Revolut
JPY	1 SGD = 122.38 JPY	1 SGD = 122.05 JPY	1 SGD = 122.35 JPY
MYR	1 SGD = 3.076 MYR	1 SGD = 3.070 MYR	1 SGD = 3.072 MYR
THB	1 SGD = 24.60 THB	1 SGD = 24.45 THB	1 SGD = 24.58 THB
USD	1 SGD = 0.7882 USD	1 SGD = 0.7863 USD	1 SGD = 0.7881 USD
EUR	1 SGD = 0.6706 EUR	1 SGD = 0.6691 EUR	1 SGD = 0.6704 EUR

*Rates taken as of 20 Feb 2026

YouTrip offers real-time wholesale FX rates with no markups, even on weekends. Revolut charges 1% on weekends. Wise charges a conversion fee from 0.26%.

Related guide: Wise Card Singapore Guide (2025): Fees, Limits, Exchange Rates

Wise vs Revolut Fees

Fee Type	Wise	Revolut	YouTrip
Account Opening	Free	Free	Free
Monthly Fee	None	Up to S$21.99	None
Foreign Transaction Fee	From 0.26% (currency conversion fee)	1% on weekends	None
Top-Up Fee	Varies from S$0.20	Up to 2.08%	1.5% fee (Visa credit card only)
International Transfer Fee	Variable fee from 0.26%	Variable fee shown in-app	Low, transparent fees to 40+ countries
ATM Withdrawal Fee	1.75% + S$1.50 after S$350/month	2% after S$350/month	2% after S$400/month

 Quick takeaway:

• Wise — great for sending money abroad with low, transparent remittance fees.
• Revolut — flashy app, but more fees for top-ups and transfers.
• YouTrip — best for both travel and overseas transfers, with no hidden fees, real rates, and smooth money sends to 40+ countries.

Related guide: Revolut Singapore (2025): The Ultimate Guide To The Revolut Card, Account & Fees

Wise vs Revolut ATM Withdrawal

Card	Free Monthly Withdrawal Limit	Post-Limit Fee
Wise	S$350 or 3 withdrawals	1.75% + S$1.50 thereafter
Revolut	S$350 or 5 withdrawals	2% thereafter
YouTrip	S$400	2% thereafter

YouTrip offers the highest free ATM withdrawal limit, which really helps when you’re in need of cash overseas.

Related guide: Instarem Amaze Card Singapore Guide 2025: Fees, Rewards & Is It Worth It?

Wise vs Revolut for Travel

Here’s where things really split:

• Wise: Great for international transfers, but not the cheapest for daily spending due to its conversion fees.
  
• Revolut: Excellent for budget tracking and app features, but its weekend FX markups can eat into your travel budget.
  
• YouTrip: Designed for travel from day one. Enjoy real-time wholesale rates, no weekend charges, and support for 12 wallet currencies — SGD, JPY, USD, EUR, THB, MYR, AUD, HKD, GBP, CHF, SEK, and NZD.

 Pro tip: YouTrip works in 150+ countries, both online and offline. It’s the easiest way for Singaporeans to travel, shop, and withdraw overseas — all without paying unnecessary fees.

Related guide: Best DBS Miles Credit Cards In Singapore (2025 Guide)

Wise vs Revolut for International Transfers

If your goal is sending money overseas, Wise is still the best-known player — it built its name on low-cost international transfers using mid-market rates.

Revolut also supports overseas transfers, but:

• Some instant transfers are charged 1.99%–3%
• Weekend or cross-currency transfers cost more

 YouTrip, however, now gives you secure overseas transfers to 40+ countries — powered by real exchange rates, no hidden fees, and no confusing tiers. It’s the most balanced choice for travellers who spend and send abroad.

Related guide: UOB One Account Singapore Guide (2025): Interest Rates, Fees, Review

Pros & Cons:

Wise

Image Credits: Wise

Pros:

• Mid-market exchange rates, transparent fees
• 40+ currencies supported
• Best for international transfers 

Cons:

• Currency conversion fees from 0.26%
• 2% fee for e-wallet/external funding
• Only S$350/month (2 withdrawals) free at ATMs

Related guide: Best Singapore Credit Card For Overseas Spending (2025)

Revolut

Image Credits: TechCrunch

Pros:

• 30 wallet currencies
• Free and premium plans
• Budgeting, analytics, and crypto trading

Cons:

• 1% weekend FX fee
• Paid plans up to S$21.99/month
• Higher top-up fees for credit/debit cards

YouTrip

Pros:

• Real-time wholesale exchange rates (best rates)
• Zero FX fees, no weekend markups
• S$400/month free ATM withdrawals (highest limit)
• Cashback, YouTrip Perks, in-app travel insurance
• Secure transfers to 40+ countries

Cons:

• Limited to 12 in-app currencies
• No budgeting tools

Related guide: Best Multi-Currency Cards In Singapore (2025): A Full Comparison Guide

FAQs

Q: Is Revolut or Wise better?
Wise is best for sending money abroad. For travel and spending, YouTrip wins with zero-fee rates and no weekend markups.

Q: What are the disadvantages of Revolut?
1% weekend surcharge, paid plans, complex fees, and limited live support for free users.

Q: Is Revolut popular in Singapore?
Yes, especially among younger Singaporeans. But YouTrip remains the top travel card for simplicity and fee-free spending.

Q: Is Wise or Revolut better for international transfers?
Wise still offers lower remittance fees and transparent rates.

Q: Wise vs Revolut exchange rate — which is better?
Wise has slightly better weekday rates, but YouTrip consistently offers stronger real-time rates with no weekend fees.

Q: Wise vs Revolut ATM withdrawal — which is cheaper?
Wise charges 1.75% after S$350/month, Revolut charges 2% after its limit, and YouTrip offers S$400 free, then 2% after.

Final Verdict

At the end of the day:

• Wise — Best for remittance and international transfers.
• Revolut — Best for tech lovers and budgeting tools.
• YouTrip — Best for travellers and saving money overseas.

For zero-stress overseas spending, YouTrip is the clear winner for Singaporeans in 2026 — no hidden fees, no weekend markups, and the best real-time exchange rates.

Join SG Travel+Lifestyle Hacks on Telegram for exclusive travel tips, rate alerts, and giveaways — because smart travellers don’t just trip, they YouTrip.

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