Trust Card Vs YouTrip: Which Is The Better Card For Overseas Spending? (2026)
When comparing cards for overseas spending, Trust Bank and YouTrip stand out in Singapore. Here’s a deep dive so you can spend smarter overseas 
With travel back in full swing, Singaporeans are once again looking for the best way to save on overseas spending. Whether you’re booking flights, shopping in Tokyo, or dining in Bangkok, the right travel card can help you avoid hidden fees and enjoy better exchange rates.
Two popular choices on the market right now? The Trust card by Trust Bank and NTUC, and YouTrip.
The Trust card is known for its everyday cashback rewards and integration with FairPrice. YouTrip, on the other hand, has built its reputation as a traveller’s wallet – offering 0% FX fees, real-time exchange rates, and multi-currency convenience.
In this article, we’ll compare the Trust card vs YouTrip across key areas like exchange rates, overseas fees, rewards, and features – helping you pick the right travel companion for your next adventure.
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TL;DR – Quick Takeaways
- YouTrip offers 0% FX fees, wholesale exchange rates in 150+ countries, and lets you lock in 12 currencies in-app. Ideal for travellers who want transparency, convenience, and no surprise charges.
- Trust card provides 0% FX fees using Visa’s wholesale exchange rate, cashback perks, and a dual debit/credit feature. Great for everyday convenience – but lacks rate-locking and requires managing SGD-only balance, which might cost more as exchange rates fluctuate.
Bottom line: If you frequently travel and value control over exchange rates with no FX markups, YouTrip might be more suited to your needs.
Table of Contents:
- YouTrip vs Trust Card Comparison (2026)
- What is YouTrip?
- How to use YouTrip overseas?
- What is the Trust card?
- How to use the Trust Card overseas?
- Exchange Rate Comparison
- Fees and Charges Comparison
- Verdict: Which Travel Card Should You Choose?
- FAQs
YouTrip vs Trust Card Comparison (2026)
Here’s a comparison between two popular options in Singapore when it comes to overseas spending — YouTrip and Trust Bank:
| Feature | YouTrip | Trust Card |
|---|---|---|
| Card Type | Pre-paid Mastercard, multi–currency e-wallet | Dual Visa credit & debit functionality |
| Eligilibty |  At least 15 years old & above Has a valid Singaporean NRIC or FIN / Foreigners with a valid SingPass account No income requirement | Trust Debit Card: At least 16 years old & above Singaporean citizen / PR / Foreigner with a valid work pass Trust Credit Card: 21-55 years old (Min. annual income): Singaporean citizens/PR: S$30,000 Foreigner with a valid work pass: S$60,000 Above 55 years old (Min. annual income): Singaporean citizen/PR: S$15,000 Foreigner with a valid work pass: S$60,000 |
| Annual Fee | None | None |
| FX Fees | Zero FX fees across 150+ countries | Zero FX fees anywhere Visa is accepted |
| Currencies available for holding & exchange | 12 wallet currencies  SGD, MYR, JPY, THB, USD, EUR, AUD, NZD, GBP, HKD, CHF, SEK |  Not supported |
| Exchange Rates | Real-time wholesale exchange rates | Visa rates |
| FX Markup Protection | Blocks Dynamic Currency Conversion (DCC) | DCC may apply if merchant converts to SGD |
| ATM Withdrawals Overseas | Free S$400 ATM withdrawals per month *2% fee applies thereafter | None |
| Cashback/Rewards | Partner cashback via YouTrip Perks, HLAS travel insurance cashback | Partner cashback with NTUC, FairPrice & more |
| Able to send money overseas? | Remittance to 40+ countries | Not available |
Related Guide: Best Multi-Currency Cards In Singapore: A Full Comparison Guide
What is YouTrip?
YouTrip is a multi-currency e-wallet and prepaid Mastercard designed for travellers. It supports spending in over 150 countries with 0% foreign transaction fees and allows users to lock in competitive rates across 12 currencies.
YouTrip is especially useful if you want to lock in favourable exchange rates before your trip, spend without worrying about DCC, or withdraw money overseas without hefty fees.
How to use YouTrip overseas?
- Top up your YouTrip wallet in SGD using PayNow, a linked bank account, or credit/debit card.
- Lock in foreign exchange rates in the app before your trip for 12 popular currencies
- Use the YouTrip Mastercard overseas for shopping, dining, and transport — it’ll automatically deduct from the right currency wallet or auto-convert SGD at wholesale rates.
- Withdraw cash overseas (free up to S$400/month*).
- Avoid DCC by always choosing to pay in the local currency.
Related Guide: YouTrip Exchange Rates: Everything You Need to Know
What is the Trust card?
Image Credits: Trust Bank
The Trust card is a dual-function debit/credit card issued by Trust Bank, a digital bank backed by Standard Chartered and FairPrice Group. It offers cashback on NTUC purchases and supports credit usage with interest, making it a convenient option for everyday local spending.
However, it doesn’t support holding foreign currencies or remittances. Overseas spending is billed in SGD using Visa exchange rates and may be subject to DCC.
How to use the Trust Card overseas?
- Enable Overseas Usage in the Trust app before your trip.
- Use it like any Visa card — pay in the local currency
- Ensure your account has sufficient funds (for debit) or available credit (for credit use).
- Make sure your card is enabled for both physical and contactless use
Related Guide: Trust Bank Singapore Guide: Credit Card & Cashback Card Review
Exchange Rate Comparison
Trust card uses Visa’s rates with no added markup, which is competitive – but you can’t lock rates, and DCC may apply depending on the merchant.
YouTrip uses Mastercard’s wholesale exchange rate and lets you lock in rates in advance, offering more control and potentially more savings when budgeting for a trip.
Here’s a look at how much you’d get charged when exchanging S$1 in different currencies:
| Currency | YouTrip | Trust Card |
|---|---|---|
| MYR | 1 SGD = 3.086 MYR | 1 SGD = 3.082 MYR |
| JPY | 1 SGD = 122.99 JPY | 1 SGD = 122.12 JPY |
| THB | 1 SGD = 24.90 THB | 1 SGD = 24.65 THB |
| USD | 1 SGD = 0.7875 USD | 1 SGD = 0.7842 USD |
| EUR | 1 SGD = 0.6660 EUR | 1 SGD = 0.6644 EUR |
*Rates taken as of 4 Feb 2026 at the time of writing
YouTrip consistently offers better rates than Trust and lets you lock in rates in advance.
Related Guide: YouTrip vs Wise: Which Multi-Currency Card Is Best for Singaporean Travellers?
Fees and Charges Comparison
| Fee Type | YouTrip | Trust Card |
|---|---|---|
| Card Issue Fee | None | None |
| Annual Fees | None | None |
| Interest Charges | None | 27.9% p.a. (credit card function) |
| Late Payment Fee | None | S$100 |
| Overseas ATM Withdrawals | Free S$400/month *2% fee imposed thereafter | None |
| FX Rates | Mastercard wholesale rates | Visa exchange rates |
| Transfer Fees | Variable fee shown in-app | Not available |
Related Guide: Money Changer Near Me: 14 Best Money Changers In Singapore
Verdict: Which Travel Card Should You Choose?
Each card brings value in different ways:
- Trust is a strong choice for everyday local spending, NTUC benefits, and cashback perks.
- YouTrip is tailored for travellers who want to avoid fees, exchange currencies in advance, and control their spending abroad.
For overseas use, YouTrip has the edge. With no FX fees, wholesale exchange rates, and built-in protection from DCC, it’s ideal for anyone looking to spend smarter when travelling.
That said, many savvy users carry both: a credit card like Trust for local rewards and emergencies, and a multi-currency card like YouTrip for travel – giving you flexibility and maximum savings.
Tip: Always check the latest fees and rates on the official websites before applying.
Related Guide: Revolut vs YouTrip Singapore: Which Multi-Currency Card Saves You More?
FAQs: YouTrip vs Trust Card
Q: Is YouTrip better than Trust card?
For overseas spending, yes. YouTrip offers 0% FX fees, wholesale exchange rates, and the ability to lock in rates for 12 currencies. The Trust card is better for local spending, especially NTUC/FairPrice cashback.
Q: Can I lock exchange rates with Trust?
No. Trust converts at the point of transaction. Only YouTrip allows rate locking (12 currencies).
Q: Can I use Trust card overseas?
Yes, anywhere Visa is accepted (overseas usage must be enabled in-app). Trust uses Visa’s exchange rate and does not support rate lock, so rates may fluctuate, and DCC may apply.
Q: What are the minimum age requirements to apply for YouTrip and Trust?
- YouTrip: 15+, no income requirement
- Trust debit: 16+
- Trust credit: 21–55 with income requirement
Q: Does YouTrip or Trust have any annual fees?
None for both cards.
Ready to Try YouTrip?
Find a card that suits your needs best — whether you’re looking for the best rates in town or one with zero fees.
Not a YouTrooper yet? Singapore’s go-to multi-currency wallet helps you save with great FX rates and zero fees. Skip the money changer and get a free YouTrip card + S$5 YouTrip credits with code <YTBLOG5>.
Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more!
Happy travels!
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The post Trust Card Vs YouTrip: Which Is The Better Card For Overseas Spending? (2026) appeared first on YouTrip Singapore.
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