6 Best Multi-Currency Cards in Singapore 2025

Whether you are planning your next vacation or just need a convenient way to manage different currencies, these cards, which are available as prepaid, debit and credit cards, can be your ideal travel companion.

Financial preparedness is essential for safe travel, and using multi-currency cards is one way to achieve this. Besides convenience, these cards help avoid the high fees associated with traditional exchange rates. Notably, this is a concern echoed in a recent survey, which revealed that high fees are a major issue when sending money overseas via digital wallets from Singapore.

In addition, it's also crucial to have comprehensive travel insurance to protect yourself against unexpected events such as medical emergencies, trip cancellations, or lost luggage. By comparing and selecting the best travel insurance in Singapore that meets your needs, you can travel with peace of mind, knowing you're covered for any unforeseen circumstances.

Avoid hefty exchange fees and use the best multi-currency cards for payments today. A reliable multi-currency card and robust travel insurance provide a dual layer of financial security and protection, allowing you to focus on enjoying your journey without financial worries.

The Revolut card is one of the top choices for travellers. It offers a comprehensive multi-currency account with access to over 30 currencies and is best known for its user-friendly app and real-time spending analytics. Revolut also provides competitive interbank exchange rates, making it an appealing option for frequent travellers.

• Available Currencies: 30+ currencies

• Exchange Rate: Interbank exchange rate

• ATM Withdrawal Fees: Free up to S$350 per month (standard), S$700 per month (premium) or S$1,050 per month (metal), with a 2% fee or a S$1.49 fee (whichever is greater) thereafter

• Other Fees: No monthly fees, but some services (e.g., express delivery of card) may incur additional costs

• Notable Features: Instant currency exchange, spending analytics, budgeting tools, virtual cards for online shopping

Formerly known as TransferWise, the Wise card is distinguished by its transparent and low-cost currency conversion fees. With access to 40+ currencies at mid-market rates, this card is best suited for travellers needing to manage multiple currencies seamlessly. Wise is also known for its low fees and real-time notifications.

• Available Currencies: 40+ currencies

• Exchange Rate: Mid-market exchange rate

• ATM Withdrawal Fees: Free up to S$350 per month, 1.75% plus S$1.50 fee thereafter

• Other Fees: No monthly fees; small conversion fees when exchanging currencies

• Notable Features: Low conversion fees, direct debits in various currencies, multi-currency accounts, real-time spending notifications

The YouTrip card is tailor-made for travellers seeking a hassle-free and fee-free multi-currency card. The best part is that it supports over 150 currencies and offers interbank exchange rates without additional charges. YouTrip also provides convenient top-up options and travel insurance benefits, making it a convenient choice for international travellers.

• Available Currencies: 150+ currencies

• Exchange Rate: Interbank exchange rate

• ATM Withdrawal Fees: Free for the first S$400 withdrawal, 2% withdrawal fee thereafter

• Other Fees: No annual fees; no hidden charges on transactions

• Notable Features: No currency conversion fees, easy top-ups

Changi Pay, offered by Changi Recommends, seamlessly integrates with Changi Airport services and supports payments for overseas destinations like China and Malaysia. This card supports several major currencies and provides competitive exchange rates, which is particularly beneficial for travellers passing through Changi Airport. It also offers exclusive travel deals and instant currency conversion.

• Available Currencies: Changi Pay can be used in China, Malaysia and any other countries that accept Alipay+

• Exchange Rate: Competitive exchange rates provided by Changi Recommends

• ATM Withdrawal Fees: 2% of the withdrawal amount

• Other Fees: No monthly or annual fees; certain transaction types may incur fees

• Notable Features: Integrated with Changi Airport services

The DBS Multi-Currency Account Debit card allows you to manage 13 major currencies from a single account. With competitive rates provided by DBS, this card makes currency management seamless and offers easy linkage to other DBS services. It is one of the best choices for those seeking to integrate their travel finances with their existing DBS accounts.

• Available Currencies: 13 major currencies

• Exchange Rate: Competitive rates provided by DBS

• ATM Withdrawal Fees: S$7 per cash withdrawal in the equivalent foreign currency

• Notable Features: Seamless currency management with a single account, easy linkage to other DBS services, wide ATM network

The Instarem Amaze card is a great choice for travellers as it provides access to multiple currencies at competitive exchange rates. This debit card allows you to link your existing credit cards to simplify payments in multiple currencies. It's also beneficial for earning rewards and cashback from linked credit cards while offering the convenience of multi-currency transactions.

• Available Currencies: Multiple currencies supported through linked credit cards

• Exchange Rate: Competitive exchange rates provided by Instarem

• ATM Withdrawal Fees: Depends on the linked credit card's terms and conditions

• Other Fees: No additional fees for foreign transactions; fees are based on the linked credit card

• Notable Features: Link credit cards to the Amaze card for multi-currency payments; Earn rewards and cashback from linked credit cards

 

When it comes to travelling, having the best multi-currency card can make all the difference. Not only do they help you spare the hassle of making transactions across multiple currencies but they also enable you to reduce or avoid fees from converting currencies.

To help you compare your options easily, SingSaver has compiled this table to highlight the benefits and limitations of the top multi-currency cards available for travellers in Singapore. You can use it to help you choose the one that best fits your travel and financial needs.

With so many multi-currency cards available in Singapore, how do you know which one is right for your travel needs? A rule of thumb is to rank your priorities and how the cards stack up against them.

When choosing the best multi-currency card, a key factor to consider is your travel or spending habits. Some cards offer better exchange rates for specific currencies, so pick one that aligns with your needs.

Besides this, look out for cards with low or no foreign transaction fees, which helps you avoid unnecessary charges during international transactions.

If you often travel to different regions worldwide, check the available currencies supported by each card to ensure it covers the countries you frequently visit or shop from. The best multi-currency card for travel should offer a wide range of currencies and allow you to load multiple currencies at once, so you don't have to constantly worry about currency conversions. 

Additionally, compare ATM withdrawal fees as they can vary between different debit and credit cards. Finding one with minimal fees ensures that you can access your funds easily and affordably while exploring different countries. It's also essential to review any other associated fees, such as annual maintenance costs or reload fees.

If you often travel to countries where e-wallet adoption is high, the ease of managing your account through mobile apps and online platforms and having reliable customer support will be helpful. 

A user-friendly interface and reliable customer support can make a significant difference in your overall experience. Besides, you’ll also want to ensure that help is readily available in case of any issues or emergencies during your trip.

Reading reviews and seeking recommendations from other users is another good way to get an idea of the card's reliability and customer service quality.

As we have explored the top six multi-currency cards available in Singapore for 2025, it is clear that each card has its own unique features and benefits. Choosing the best multi-currency card for your travel needs will require you to consider various factors such as available currencies, exchange rates, ATM withdrawal fees and other charges.

When we compare the top six cards above, the Revolut card generally offers a wide range of currencies with competitive exchange rates but may have limitations on free monthly withdrawals. In contrast, Changi Pay does not support as many currencies as other cards but provides integration with Changi Airport services and exclusive travel deals.

Meanwhile, the Wise Multi-Currency Account provides cost-effective transfers and transparent pricing structures but lacks physical card options for offline transactions.

As for YouTrip, it stands out for its zero transaction fees and competitive exchange rates, which makes it ideal for frequent travellers. On the other hand, the DBS Multi-Currency Account card offers convenience for existing DBS customers with linked accounts but may have higher foreign currency conversion fees.

For those who value extra perks, the Instarem Amaze card offers convenient multi-currency payments, real-time currency conversion and rewards from linked cards. However, ATM withdrawal and other fees depend on the linked debit or credit card's terms and conditions, and its benefits rely on the underlying cards' rewards and features.

Ultimately, the best multi-currency card will depend on your individual preferences and travel habits. It is advisable to consider these pros and cons carefully to make an informed decision that suits your financial needs or spending habits while travelling abroad.

In summary, a multi-currency card is a payment card that facilitates transactions across multiple currencies and regions. These cards enable users to pre-exchange funds into the required currency or store multiple currencies in one place and switch between them seamlessly, which makes currency conversion and spending while travelling hassle-free.

Multi-currency cards are available as prepaid, credit, debit, or virtual cards, and can be linked to bank accounts for personal or business use. In some cases, you don't need a separate multi-currency prepaid or replacement card, as many standard debit or credit cards now offer multi-currency capabilities, automatically converting currencies at the point of sale.

If you are tired of dealing with multiple currencies when travelling abroad or making online purchases in different countries, a multi-currency account might just be the solution you need to complement your card.

With a multi-currency account, you can manage various currencies all in one place. This means no more hassle of converting currencies every time you make a transaction in a foreign currency.

Having a multi-currency account allows you to save on foreign exchange fees and get better exchange rates compared to traditional banks. It gives you more flexibility and control over your money, especially if you frequently deal with multiple currencies.

Whether you're a frequent traveller or an online shopper who buys from international websites, having a multi-currency account can simplify your financial transactions and help you avoid unnecessary fees.

When it comes to travelling, having the best multi-currency card can make all the difference. With so many options available in Singapore, how do you know which one is right for your travel needs?

The best multi-currency card for travel should offer a wide range of currencies to choose from, low exchange rates, and minimal fees. This ensures that you can access your funds easily and affordably while exploring different countries.

Look for a card that allows you to load multiple currencies at once, so you don't have to constantly worry about currency conversions. Additionally, consider the ATM withdrawal fees and other charges associated with using the card abroad.

Having a reliable customer support system is also crucial when selecting a multi-currency card for travel. You want to ensure that help is readily available in case of any issues or emergencies during your trip.

Ultimately, the best multi-currency card for travel will provide convenience, cost-effectiveness, and peace of mind as you navigate through various destinations around the world.

When travelling, it's important to have a reliable multi-currency card for managing your finances smoothly. Equally important is to ensure protection against unexpected events. 

Pair your multi-currency card with comprehensive travel insurance to cover medical emergencies, trip cancellations and other unforeseen circumstances. By combining the convenience of a multi-currency card with the security of travel insurance, you can enjoy worry-free travel experiences.