Hi Demi, should highlight to users that the youtrip and etc allow customers to lock in fx rate where trust does not. So if user want lock in favorable fx then youtrip is preferred choice.
Wise charges higher conversion fees than youtrip, the latter being 0. Wise uses spot rate + conversion fee, youtrip gives very close to mid-market rate when buying any of the 10 currencies they support. Can you discuss iChange? It's a new player on the scene and supposedly more competitive than all the options so far
Hi miss. What about GXS? I opened account with them recently and i think they also don't have fx fees. I like that the interest is also higher and easier to attain than trust. Idk but i think Trust also increased the minimum amount need to spend for 5 minimum transactions to gain additional interest.
The biggest issues I have with you trip is customer service. Most of the time, they provide standard copy and paste answers which can be found in either the FAQ or help. Thanks for the analysis. I’ll probably start switching.
Great video and I sign up for Trust cards after watching your video. But I would like to highlight a benefit from YouTrip so that others can be reminded. For 10 currencies, you can purchase when the exchange rate is good and keep in your wallet. This is a great feature when you have plans to travel to that specific country.
This card is good no doubt. However, I had a tough experience with it recently. I was in Antigua and St. Lucia (yes these are off-beat destinations). The card did work there but the app did not work on any wifi connection. It needed a mobile data connection or a Singapore based VPN to access the app. So the only way to reach out to them would be via call (International roaming). I did write to them about this and they acknowledged it. Has anyone faced this with Trust in any other country?
Trust card(debit card) is good in rate but in eastern Europe, I can't use this card to buy metro ticket from machine. I have to use visa/master card. Restaurants and shops are ok.
Insightful video Demi!! I watched till the end but didnt realize... Hahaha. I agree that trust is fuss free however the rates are not the best as when I compared to the other cards. (I made a comparison video trust is ranked in the middle) I have a way of withdrawing money (in malaysia) with better rates than trust however incur a small fee. Even after accounting the fees the rates are still 0.5-1% higher than the trust debit card itself.(Not accounting for cashback as i cant get credit cards 😭)
Hi Demi, when withdrawing local currency from overseas ATM, which option should we choose that's shown on ATM screen-'withdraw with conversion' or 'withdraw without conversion' ?
Do some ATMs overseas have a charge when you use them to withdraw local currency? does that mean it's still cheaper to change money in SG before travelling?
Hi, I have some questions. Do I need to deposit money into the savings account before I can withdraw it overseas or the withdrawal amount will automatically charge to my next credit card bill? And do I need to carry 2 cards around or just trust link card is enough which has cashback and linkpoints altogether?
If u have some money in the "Bank" side of the card - then u can withdraw from overseas ATM from the bank deposit. No transcatn fees (expect the bank transcatn fees if any). Call trust card- they can adv u
Visa exchange rate has been below money changer for months and to manage expectations, the person at the other end of the line on Trust customer services is not that fantastic.
Yes of course. If you don't spend much a month don't do it. You only should take advantage of these rewards if your everyday expenses add up. Always preach this, never match cards to your expense but the other way around.
Hello Demi nice video here. I like to check is it the best choice to also tagged trust credit card to my WeChat pay for oversea payment as I’m heading Shanghai soon
@@DemiZhuang less fee good exchange rate haha.. but alipay and wechat has 3% charges over 200rmb quite sad and most of the time need to use digital payment there
Signed up with your link but where can i find the scratch card? Is it must be total new sign up? I'm holding the trust debit card befofe i sign up for fhe credit card cash back.
Hi, Demi. I just got my You Trip card yesterday and I happened to saw your video when I do research. Should I get a Trust cards if my monthly spending is below $500 , since I’m spending a lot in Malaysia also for the currency exchange?
You can get the cashback credit card just to enjoy the 1.5% / 1% cashback still. just take note you won't enjoy the other bonus cashback % on the chosen category. everything else will earn you that unlimited base 1.5% / 1% cashback
it's a no for me, trust need a secondary measure to do a credit check on people who do not meet the min 60k salary per year for very long time work visa expats in SG, else the little net positive fr using the debit card from trust is not worth it
@@9454tws 😂 I’ve never applied for a credit card or taken out any loans, so I expected my credit score to be fine. I can’t seem to understand why my application was rejected. I’m thinking of waiting a while before applying for the UOB One card instead.
@@hathor2 I'm not a singaporean. I hold an employment pass. I thoroughly checked the terms and conditions and even contacted their call center before applying. Everyone who works in SG can apply as long as fulfill the minimum salary and don't have a negative credit score.
When withdrawing overseas atm with trust link card, does it allow to select from credit card or saving account or its based on the card setting that you set?
Before withdraw, need to make sure to pair with saving account. And after withdraw the local currency cash, you need to make sure to pair with credit card if you want to spend using the the card?
i have a question, regarding the rewards. if we dont meet minimum does that mean we get 0 cashback? or it is pro-rated? is it the same visa signature from Trust Bank?
@DemiZhuang so means we get something back if we don't meet the minimum spending monthly. Unlike uobone if we don't meet the monthly minimum, we don't get anything for the quarter, right?
For ATM withdrawal but I saw someone who said using the trust cashback cc, selecting savings account at the ATM will deduct from the savings acc. Have not tested this out for myself.
it's the same with any other bank, interbank transfer need abt 3 working days to process. shouldn't have waited til last min to pay. this is totally your fault, not the bank's
What if i cant hit monthly $500 spending. Isit still worth to use this card oversea? As compared to other CC? If cant hit $500 per month. Purely just for oversea. Cashback or link card better?
Earn Unlimited 1.5% / 1% Cashback with Trust Cashback Credit Card locally & overseas
🎁 Sign up for Trust Cashback card with code ➡️ 69F3T6UM
🔗 trustbank.sg/cashback-credit-card/
🔗 trustbank.sg/link-credit-card/
Sorry, I don't really understand the advantage of getting both cashbank and link cards you recommended? Can clarify ?
trust bank should sponsor this woman! she is doing good marketing for them!
Started watching your videos this month and I liked your contents, very informative.
Thank you!!
Hi Demi, should highlight to users that the youtrip and etc allow customers to lock in fx rate where trust does not. So if user want lock in favorable fx then youtrip is preferred choice.
Wise would be a better choice than YouTrip to lock in rates in advance.
Wise charges higher conversion fees than youtrip, the latter being 0.
Wise uses spot rate + conversion fee, youtrip gives very close to mid-market rate when buying any of the 10 currencies they support.
Can you discuss iChange? It's a new player on the scene and supposedly more competitive than all the options so far
Awesome update and right spot in content for overseas spend
Signed up with your link .. cheers
Thank youu! You managed to sign up despite the maintenance? :)
@DemiZhuang signup couple of days back .. I'm able to login app as usual now..
👍🏻👍🏻
Hi miss. What about GXS? I opened account with them recently and i think they also don't have fx fees. I like that the interest is also higher and easier to attain than trust. Idk but i think Trust also increased the minimum amount need to spend for 5 minimum transactions to gain additional interest.
Great video to know the most important points about the cards without digging into multiple web pages
Glad it was helpful! :)
Item 1 2 3 5 - Yes!! Item 4. Didnt try it before.
demi is always so wise and real! hope ur back is recovering well!
🙂 thank you for watching and leaving this comment! Recuperating~
The biggest issues I have with you trip is customer service. Most of the time, they provide standard copy and paste answers which can be found in either the FAQ or help. Thanks for the analysis. I’ll probably start switching.
Great video and I sign up for Trust cards after watching your video. But I would like to highlight a benefit from YouTrip so that others can be reminded. For 10 currencies, you can purchase when the exchange rate is good and keep in your wallet. This is a great feature when you have plans to travel to that specific country.
👍🏼
This card is good no doubt. However, I had a tough experience with it recently. I was in Antigua and St. Lucia (yes these are off-beat destinations). The card did work there but the app did not work on any wifi connection. It needed a mobile data connection or a Singapore based VPN to access the app. So the only way to reach out to them would be via call (International roaming). I did write to them about this and they acknowledged it. Has anyone faced this with Trust in any other country?
tx for the info! how about in comparison w Amaze card for overseas use though?
Coming up
Trust card(debit card) is good in rate but in eastern Europe, I can't use this card to buy metro ticket from machine. I have to use visa/master card. Restaurants and shops are ok.
Insightful video Demi!! I watched till the end but didnt realize... Hahaha.
I agree that trust is fuss free however the rates are not the best as when I compared to the other cards. (I made a comparison video trust is ranked in the middle)
I have a way of withdrawing money (in malaysia) with better rates than trust however incur a small fee.
Even after accounting the fees the rates are still 0.5-1% higher than the trust debit card itself.(Not accounting for cashback as i cant get credit cards 😭)
Some people can't sign up for credit card due to monthly cut's.
😅I seee , noted noted . thank you so much Demi 🙏🏼
Hi Demi or any other users. Anyone tried to withdraw from China ATM machine before?
Thanks for the video. Useful
Glad it was helpful!
This Credit card still have a minimum earning requirement b4 approval to be issued this card
Yes.
Why does this video come out 3 days after I received my Youtrip card!!?? 😭😭😭 I have a Trust Bank Link card and I don't know about this!? 😭😭
😭😭😭😭😭
How does it compare to amaze for oversea usage?
Lose out slightly on the rates when compared with amaze wallet! If you link with a credit card, rates on Trust would be better.
@@DemiZhuang thank you!
You are comparing 1 youtrip card against a combination of 2 trust cards. Zzzz
Is it better to use trust card debit card/credit card in China or we chat pay?
link your trust card to wechat and alipay.. that work
I’m heading to Shanghai and I need card to tag to my WeChat pay. I heard the fx fee is quite high
Is buying of groceries under shopping category?
I think it doesn't fall into any of the categories
@DemiZhuang so I can't use it to clock to hit the monthly cap
I dont see the pair card option in my app, i only see option 1 ,3 and 4, the pair option 2 is missing
Do you have the savings account? And which card do u have?
@@DemiZhuang trust visa credit card 4:40, no saving acct
@@jeffer8762 need to have the savings account to pair…
Hihi, demi I have applied and they've approved cashback card in the same day . what time will I receive the physical card today ?
Hi Demi, when withdrawing local currency from overseas ATM, which option should we choose that's shown on ATM screen-'withdraw with conversion' or 'withdraw without conversion' ?
Without conversion!
I can’t find the page to choose the quarterly spend … 😢 and can I change the quarterly spend (from 2K to 1K ) after each quarter? Thank you Demi 🙏🏼
No need to choose! Just spend consistently and thats your tier! Yup after a quarter you can :)
Do some ATMs overseas have a charge when you use them to withdraw local currency? does that mean it's still cheaper to change money in SG before travelling?
anything with minimum monthly spend is a deal breaker.
If the goal is just for the unlimited instant cashback overseas you don’t need to fulfil the min monthly spend
Hi, I have some questions. Do I need to deposit money into the savings account before I can withdraw it overseas or the withdrawal amount will automatically charge to my next credit card bill? And do I need to carry 2 cards around or just trust link card is enough which has cashback and linkpoints altogether?
If u have some money in the "Bank" side of the card - then u can withdraw from overseas ATM from the bank deposit. No transcatn fees (expect the bank transcatn fees if any). Call trust card- they can adv u
Visa exchange rate has been below money changer for months and to manage expectations, the person at the other end of the line on Trust customer services is not that fantastic.
I dun spend much per mth so credit card is no for me. It force u to spend
Yes of course. If you don't spend much a month don't do it. You only should take advantage of these rewards if your everyday expenses add up. Always preach this, never match cards to your expense but the other way around.
Where can I explore the bonus categories for the cashback card? I.e. which type of outlets are represented etc
trustbank.sg/cashback-credit-card/
👍! For trust link card, can pair to any bank savings account?
No. Trust savings account.
@@DemiZhuang thank you
Hello Demi nice video here. I like to check is it the best choice to also tagged trust credit card to my WeChat pay for oversea payment as I’m heading Shanghai soon
What is “best” to you? Haha
@@DemiZhuang less fee good exchange rate haha.. but alipay and wechat has 3% charges over 200rmb quite sad and most of the time need to use digital payment there
Youtrip is gonna go bussssttttt
trustcash back if didn't hit min spend, will still get 1% on any category?
Yes
Signed up with your link but where can i find the scratch card? Is it must be total new sign up?
I'm holding the trust debit card befofe i sign up for fhe credit card cash back.
Tks
Hi, Demi. I just got my You Trip card yesterday and I happened to saw your video when I do research.
Should I get a Trust cards if my monthly spending is below $500 , since I’m spending a lot in Malaysia also for the currency exchange?
You can get the cashback credit card just to enjoy the 1.5% / 1% cashback still. just take note you won't enjoy the other bonus cashback % on the chosen category. everything else will earn you that unlimited base 1.5% / 1% cashback
Understand, thanks for your suggestion . Will go ahead to apply 😊
Is trusts the best credit card in Mkt .?
Ik this may not be a fair comparison but which is better CRMC+AMAZE or Trust Cashback? Referring to foreign spending
If you're collecting miles, then first option, anything above, use Trust. Otherwise, just use Trust for the cashback + better FX rates.
Are Trust Credit Card or CRMC+Amaze better in terms of fx rates?
it's a no for me, trust need a secondary measure to do a credit check on people who do not meet the min 60k salary per year for very long time work visa expats in SG, else the little net positive fr using the debit card from trust is not worth it
They rejected my application twice. My annual income is well over 60k.
@@LalindaDiaswhile they allowed my 18 y/o brother who doesn’t have a full time job to get a card…
@@9454tws 😂 I’ve never applied for a credit card or taken out any loans, so I expected my credit score to be fine. I can’t seem to understand why my application was rejected. I’m thinking of waiting a while before applying for the UOB One card instead.
@@LalindaDias are you a singaporean? it's the only other factor i can immediately think of.
@@hathor2 I'm not a singaporean. I hold an employment pass. I thoroughly checked the terms and conditions and even contacted their call center before applying. Everyone who works in SG can apply as long as fulfill the minimum salary and don't have a negative credit score.
What bank and credit card you recommend for highest interest and cashback?
OCBC 360 - Credit Salary & Save $500
Trust Cashback CC if you spend above $1,000 / $2,000
Or UOB One CC
我也是有用！真的不错！
When withdrawing overseas atm with trust link card, does it allow to select from credit card or saving account or its based on the card setting that you set?
Card setting! You can switch it in app!
Before withdraw, need to make sure to pair with saving account. And after withdraw the local currency cash, you need to make sure to pair with credit card if you want to spend using the the card?
@@Hatred105Yes, that right don't forget to switch back to credit card after withdrawing cash from ATM.
i have a question, regarding the rewards. if we dont meet minimum does that mean we get 0 cashback? or it is pro-rated? is it the same visa signature from Trust Bank?
Only earn the unlimited instant cashback. No the Link Trust Card doesnt give cashback, it gives linkpoints.
@DemiZhuang so means we get something back if we don't meet the minimum spending monthly. Unlike uobone if we don't meet the monthly minimum, we don't get anything for the quarter, right?
@guardian7keys yes. But your preferred category earns 0 if you dont hit the min spend.
Are you able to hedge a FX rate for Trust like YouTrip? Or is the FX rate determined based on time of spend?
Based on time of spend.
youtrip card exchange is much better than trust bank card
actually why both ?
For ATM withdrawal but I saw someone who said using the trust cashback cc, selecting savings account at the ATM will deduct from the savings acc. Have not tested this out for myself.
Can I apply for trust cashback credit card without applying for their savings account?
I think can but paying the CC bill would be a bit of a hassle! Can open the savings acc without maintaining a min sum there.
I don't earn that much to qualify 😢
Is the overseas withdrawal rate same?
When I tested w the Link Card previously, yes.
Exchange rate wise, trust card better than Youtrip?
U trip very slight better. But I like trust more
You can withdraw from ATM - Standard Chartered
Yup
Trust is a joke. Takes few days to clear the card upstanding payment via online transfer. Need to pay late payment.
it's the same with any other bank, interbank transfer need abt 3 working days to process. shouldn't have waited til last min to pay. this is totally your fault, not the bank's
there's nothing safe using credit cards overseas .....
MYR rose so much..
What if i cant hit monthly $500 spending. Isit still worth to use this card oversea? As compared to other CC? If cant hit $500 per month. Purely just for oversea. Cashback or link card better?
I have the same question
Still worth for the 1% /1.5% cashback!
Trust Bank's FX rates sucks
Trust bank suck. Their interest rates are crazy hgh
Lol loan?