Ultimate Guide to Which Multi Currency Card to use for the Best Exchange Rates
ฝัง
- เผยแพร่เมื่อ 9 ก.ค. 2024
- Multi Currency Cards for Travel (ranked to 'best rates')
🌟 REVOLUT ➡️ bit.ly/3UHBgPZ
🌟 WISE ➡️ Fee free transfer / conversion on first S$900 - bit.ly/3T0MAph
🌟 YOUTRIP ➡️ Receive $5 on first top up - bit.ly/3uueoch
🌟 TRUST BANK ➡️ Receive $35 NTUC Voucher - Referral Code: 69F3T6UM
🌟 INSTAREM ➡️ bit.ly/49fngBD
(YouTrip ATM Withdrawal Fee Update from 15 June 2023 - Free for up to SGD$400, above that it'll be 2%. Crazy expensive depending on the amount you're planning to withdraw. So my #1 Choice? TRUST BANK hands down... 🔥)
We are definitely spoilt for choice when it comes to Multi Currency Cards available out there to use when we travel or even when we're in SG for Foreign Currency Expenditures. This video will compare a few scenarios and when to use which Multi Currency Cards to get the best bang for your buck!
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🇰🇷 Related Essentials
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📞 Korea E-SIM - shope.ee/1LE1IbPRGp
✈️ My Choice for Travel Insurance (easy claim process) - tinyurl.com/dzfwdtravelinsurance
🎥 Jeju Airbnb Tour - • 1 month on Jeju Island
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Disclaimer
Hey guys, I just wanted to mention that with all the videos I've posted to-date should not be taken as financial, investment or trading advice. All views expressed in the videos are that of mine. Remember to always do your own research before making any decision. All that I've mentioned in the videos are ways and how it has helped ME in my personal finance journey. I hope you take away snippets of insights and if it can be applied to your financial situation that'll be great. I do not represent and will not be liable in any way for the decisions you make after watching the video. 🫡 Some links above are affiliate link. I earn a little at no cost to you!
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TIMESTAMPS:
00:00 - Introduction
00:31 - Best Exchange Rate
02:56 - ATM Withdrawals
06:02 - Online Spending in FC
07:42 - Changing $ in Advance
09:09 - Conclusion - แนวปฏิบัติและการใช้ชีวิต
very useful summary. on the trust car there's the added benefit of using overseas spend to hit the minimum monthly and quarterly thresholds for turbo-charging linkpoints on fairprice grocery spend.
Very informative, thanks!
Keep up the great work Demi~ you got a new fan!
🥹 happy to have you here!
Has anyone tried to use trust card in Vietnam - HCM? How's the cashless transaction coverage like over there?
Thank you Demi!
A pleasure!! :)
If I want to transfer money from my Canadian bank account to Trust credit card or any kind of these 4, does it take fees?
good video as always, how about daily transport? what card do you recommend Demi? i used to use DBS altitude , but like you mentioned it is not as good.
Standard chartered smart ;)
By the way, when you use your Trust card for shopping in Japan, for example Uniqlo, the POS terminal has 2 options, right?
Which exchanges options should I choose?
Choose the country currency
yayy new video😊
Heheee thank youu
Hi Demi, just wondering if you know which card would be the best for use in UK? Was told that my typical DBS and OCBC Debit card works but there's DCC fee according to your video. I don't own any of the cards your mentioned but would not mind signing up. Thanks in advance!
Get Trust and YouTrip, hold 2 just in case one doesnt work! :)
no revolut?
Hello Demi, can you do an update and your thoughts of Youtrip's new ATM withdrawal fee
Sure!
hmm, so instarem rates are more competitive for online spending in foreign currency, but not for overseas spending itself? is that correct?
Yup, no idea why.
Hi Demi ! Thumbs up really informative video.
i've a question, i'm a malaysian, but i'm just looking to use between the 4 travel cards that you suggested just now.
May i know which you recommend and is it possible to pay for public transport (MRT/Bus instead of using ezlink card) and to pay for food/entertainment in sg ?
trust. but you are still using SGD in the savings account.
Hi Demi, what is your opinion on RHB Multi Currency account in comparison to these?
Dont have that to try but if you do have it, can compare the rates
When you make a savings account with Trust, is there a minimum balance you need to have in that account? You can't have $0?
No min balance
Hi Demi, i have the Trust card but i think its the credit card. Dont think i have the debit card. You mentioned ATM withdrawal overseas. So if i use the trust bank credit card, there will be fee? You mentioned using Debit dont have so which means using trust bank credit card have withdrawal fee then? So its wiser that i change money with money changer before i travel overseas if i have only Trusts credit card?
No right or wrong
@@DemiZhuang haha u didnt answer my question. So if i use trust bank credit card to withdraw, will there be a fee? Because u mentioned debit card withdrawal have no fee
@@jamesmadison3108 yes there will be the interest charge on cash advance.
Why don't you consider opening a savings account with Trust bank? That will unlock the debit function on your card, and there are no fees or charges to open and maintain the savings account. It will provide you an additional safety net when travelling overseas, since you can fall back on withdrawing cash from the local ATMs if you are not keen on bringing too much cash or if you run out of cash.
@@jonnop oh i have a savings account with trust bank along with credit card. so u mean i already have this debit function? ahha... i thought she meant there is a seperate debit card for it?
Hi Demi - have you compared Trust credit card to ICBC Global Mastercard that gives 3% cash rebates for overseas transactions?
Nopee have not done this comparison.
Wonder why Revolut isnt part of this at all. I got really good exchange rates for swipe and atm free for 350$ p month
Compared for korean won recently, rates weren’t good at all. Wise is better than revolut.
Noticed most of the sg TH-camrs do not talk much about Revolut, did notice you mention Revolut is not the top 4 but no reason given. I’m using Revolut, they have competitive rates and more currency can store in wallet. Can I know why Revolut is not recommended? The down side.. is it no sponsor or affiliate link from them? 😅
No eh haha more like its complicated + i remember the rates not being as competitive too. They do have a referral programme that is not bad from what i remember.
Heard about ichange card, what you think About this ichange
Never heard before
The SGD500 credit card limit is a hassle. I keep having to pay into my credit card account as I spend.
Trust?
Yes Trust …. I think it’s bcos I’m a retiree.
Do u use credit or debit card for trust card?
Spending ovs - credit
Withdrawal - debit
@@DemiZhuang so i believe if i only have the trust credit card, i use that for any stores that accept cc payment overseas. But since i dont have their debit, still better for me to change to overseas currency via a money changer in singapore first before i travel yea?
Can a Malaysian sign-up for Trust Bank?
Must be residing in Singapore if you are then yes can. Submit passport.
HOW ABOUT YOUR CARD GET STOLEN..WHAT IS THE MAX AMOUNT YOU WILL RELIABLE FOR