Trust card vs Youtrip card vs WISE card – Which card offers the best exchange rate?
In this blogpost, we took a short day trip to Johor Bahru to check out the exact change rate for these cards.Trust Credit Card Introduction
Trust Bank, Singapore’s first digital bank, is a collaboration between NTUC and Standard Chartered Bank. Designed for seamless integration with the FairPrice Group ecosystem, the Trust Credit Card offers up to 21% savings on purchases within FairPrice Group, including Unity, Cheers, and Kopitiam foodcourt. Users enjoy zero foreign transaction fees, making it an attractive option for overseas spending. The card also features no annual fees, instant cashback and Linkpoints rewards, ensuring that every dollar spent translates into rewards.
YouTrip Introduction
YouTrip is Singapore’s pioneering multi-currency wallet, tailored for travelers and online shoppers. Launched in 2018, it allows users to pay in over 150 currencies with zero FX fees. The card supports real-time currency exchange and enables users to store up to 10 currencies in their wallet.
Wise Card Introduction
Wise, formerly TransferWise, offers a multi-currency debit card that provides mid-market exchange rates with low conversion fees. Users can hold and spend in 40+ currencies across 150+ countries, making it a strong contender for international transactions.
The Wise card features free ATM withdrawals up to S$350 per month and instant digital card access for secure online payments.
SGDMYR Currency Exchange Rate
Before we start, let’s take a look at at the exchange rate of SGDMYR as of 2nd May 2025 around 10.15am.
The exchange rate was 1 SGD: RM3.2943.
Trust / Youtrip / Wise Currency Exchange Results
Youtrip – RM22.90 | SGD $6.95 | 1 SGD: RM3.2949
WISE – RM 22.90 | SGD $6.96 | 1 SGD: RM3.2902
Trust – RM22.90 | SGD $6.99 | 1 SGD: RM3.2761
The absolute difference between the cheapest (YouTrip) and the most expensive (Trust) option is only SGD$0.04 for this small transaction, which is negligible for most users.
Trust card offers additional value through Linkpoints rebates, which can offset the slightly higher exchange rate, especially for frequent FairPrice shoppers or those who value rewards.
These cards generally offer competitive rates and are popular for travel and multi-currency spending. Wise is especially strong for larger international transfers and holding multiple currencies.
For small, everyday purchases, the exchange rate difference is unlikely to have a significant impact.
If you value rewards or rebates, Trust may be preferable.
If you prioritize the absolute lowest up-front cost for each transaction, YouTrip edges out slightly.
In summary, for most users, the choice between YouTrip / Wise / Trust for purchases comes down to personal preference.
Trust Card
Youtrip Card
WISE Card
Trust card Sign up
Sign up for Trust with my referral code.
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Tap on “Get started” immediately after you start the app and key in: QCB5KQ7N
Find out more on Trust Bank SG website. Terms and conditions apply.
Wise Card Sign Up
Unlock a smarter way to manage your money internationally. Sign up for Wise using my link and enjoy a free transfer of up to SGD900!
Experience real exchange rates, low fees, and seamless global spending with your Wise card.
Don’t miss this exclusive offer! Join Wise today and start saving on your next transfer!