9 Best Multi-Currency Cards and Travel Money Apps in Singapore (2026)
Multi-currency cards, accounts and travel money apps in Singapore from MAS-regulated payment institutions and licensed banks. Check current terms first.
- Edited by
- Amir Wahab
- Published
- Reading time
- 7 min read
AI image by LocalRankIf you travel often, shop from overseas websites or get paid in other currencies, a multi-currency card or account can keep foreign balances in one place. This page groups nine options available in Singapore: payment-institution apps first, then accounts offered by full banks. Each entry describes what the provider's own site says about the product and how it is regulated, as the provider states it. We do not publish exchange rates, fees, limits or promotions because they change, and the order is editorial grouping, not a ranking. This is a directory, not financial advice. Read the current terms on the provider's site before opening anything.
1. Wise
Wise is a provider many people consider when they want one account for holding, converting and spending foreign currency. Its Singapore page describes an international account for sending, spending and converting money, with a debit card and local account details for receiving payments in several currencies. The site says the service is run by Wise Asia-Pacific Pte Ltd, which it states is regulated by the Monetary Authority of Singapore as a Major Payment Institution. On safeguarding, Wise states that it holds customer money with established financial institutions; read its own explanation of how that works before relying on it. Sign-up and card ordering happen online or in the app, and the provider publishes its current pricing and supported currencies on its site.
2. YouTrip
YouTrip is a Singapore-built travel wallet that pairs a mobile app with a Mastercard, available as a virtual card and a physical card. Its site describes a multi-currency wallet in which you convert Singapore dollars inside the app and spend abroad or online in the wallet currencies, with Apple Pay and Google Pay support. The card is issued by You Technologies Group (Singapore) Pte Ltd, which the site says is a Principal Member of Mastercard and a major payment institution licensed under the Payment Services Act by the Monetary Authority of Singapore. We found no safeguarding statement on the pages we read, so check its terms and support portal on how balances are held. Currencies, limits and charges can change.
3. amaze by Instarem
Amaze is a card offered through the Instarem app, and Instarem's own page describes it as a multi-currency travel card with two ways to pay. With amaze Link, you connect existing Mastercard credit or debit cards and keep using them; with amaze Wallet, you fund a multi-currency balance and spend from it. The page says you apply through the Instarem app once your account is approved, with a virtual card available before the physical one arrives. Instarem's licence page states that Nium Pte Ltd, whose trading name is Instarem, is regulated by the Monetary Authority of Singapore as a Major Payment Institution. Rewards, supported currencies and conditions change over time, so read the current terms in the app and on its site before applying.
4. DBS My Account
DBS My Account is a Singapore dollar savings account that the bank's own page describes as having a built-in multi-currency travel wallet. According to DBS, the account gives access to Singapore dollars plus a list of foreign currencies, and eligible DBS Visa Debit Cards can be linked so foreign currency purchases are drawn from the matching currency balance. The page says new customers can open the account through the digibank app, and that it comes with a debit card. DBS is a full bank in Singapore, and the Singapore Deposit Insurance Corporation states that all full banks are members of the deposit insurance scheme; the scheme's published scope on foreign currency balances should be checked on the SDIC site. Confirm current terms with DBS.
5. OCBC Global Savings Account
The OCBC Global Savings Account lets customers hold and use several foreign currencies within a single savings account, and the bank's page says an OCBC debit card can be linked to it for spending in those currencies. According to OCBC, each debit card links to only one Global Savings Account, and the account is open to adults, including non-citizens who hold a valid pass. The page says it targets travellers, expatriates and people who keep funds overseas. OCBC is a full bank in Singapore, and the SDIC states that all full banks are deposit insurance scheme members, so check the scheme's published scope for foreign currency balances. The product page itself did not carry a deposit insurance statement, so confirm details with OCBC directly.
6. UOB FX+
UOB FX+ is described by United Overseas Bank as a multi-currency savings account that doubles as a travel wallet, with currencies held, converted and managed in the UOB TMRW app. The bank's page says a UOB FX+ Debit Card can be used for spending from the funded currency wallets, and positions the product for investors managing global portfolios, frequent travellers and people with overseas expenses. It states that applicants must be adults, that Singaporeans and PRs can apply online, and that foreigners apply at a branch. UOB's page also states that Singapore dollar deposits are insured by the Singapore Deposit Insurance Corporation up to the stated limit and that foreign currency deposits are not insured. Check the live page for current conditions.
7. HSBC Everyday Global Account
The HSBC Everyday Global Account is a multi-currency bank account that HSBC's Singapore page says lets you hold several currencies in one place and exchange between them in the HSBC Singapore app. The page also mentions overseas money transfers and debit card benefits, and says new customers apply through the app, using identity and address documents, with MyInfo available to speed things up. HSBC publishes a deposit insurance notice on the page stating that Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation up to the stated limit, and that foreign currency deposits are not insured. HSBC describes the account for personal banking customers who want to manage several currencies; confirm current eligibility and terms with the bank.
8. Standard Chartered Multi-Currency Feature
Standard Chartered Singapore offers a multi-currency feature that sits on top of selected personal accounts rather than being a separate product. Its page lists the Bonus$aver Account and, for Priority Banking clients, the Wealth $aver Account, and describes a multi-currency enabled debit card for spending in the currencies you switch on. The bank positions it for online shoppers, expatriates, investors and overseas students. Its contact page states that Standard Chartered Bank (Singapore) Limited is licensed by the Monetary Authority of Singapore and that customer deposits are protected under the Singapore deposit insurance scheme, though coverage of foreign currency balances should be checked in the bank's own deposit insurance notice. Confirm which accounts qualify and the current terms before applying.
9. Citibank Global Wallet
Citibank Global Wallet is a feature linked to the Citibank Debit Mastercard, and the bank's page describes it as a way to hold and convert several currencies and spend them overseas or online without a foreign currency conversion step on eligible spending. The page also mentions price alerts and future orders for conversions. Citibank positions it for overseas travellers and shoppers, international investors and expatriates or remote workers who are paid abroad. It says existing account holders can enable it in the Citi Mobile app and that new customers can apply. The debit card page carries a deposit insurance statement that Singapore dollar deposits are insured by the Singapore Deposit Insurance Corporation up to the stated limit. Check the live page for eligible account tiers.
How to choose
- Check who regulates the provider and in what capacity. A bank is licensed differently from a payment institution, and the protections differ. Look for the regulatory statement in the provider's footer or legal pages, then confirm it against the MAS Financial Institutions Directory rather than trusting a logo or a claim in an advertisement.
- Ask how your money is protected. Bank deposits may fall under the Singapore Deposit Insurance scheme, but providers state that foreign currency balances are not always covered. Payment-institution wallets work differently and rely on safeguarding arrangements. Read the provider's own protection notice carefully and note exactly what it does and does not cover.
- Compare the way costs are structured, not only the headline claim. Look at how conversion is priced, whether there are monthly, card or withdrawal charges, and what happens when a foreign balance runs out. Pricing pages change, so read the current schedule and fine print on the provider's site before depending on it.
- Match the product to how you actually spend. Some options are wallets you top up and convert in advance, others link to an existing bank card or sit inside a savings account. Think about the currencies you need, whether you want a physical card, and how easily you can get money back out.
- Look at support and exit terms. Find out how to reach customer service if a card is lost or a payment goes wrong, how disputes are handled, and how to close the account and withdraw leftover balances. Read the terms and conditions, because they set the limits on what you can do.
. No changes recorded since.
Founder and Editor
Amir Wahab is the founder and editor of LocalRank, an independent Singapore rankings and local guides publication.
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