How I Decide which Multi Currency Card to use Overseas
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- Опубліковано 7 лют 2025
- Travel Multi Currency Cards | ranked to my preference
🌟 REVOLUT ➡️ bit.ly/3UHBgPZ
🌟 WISE ➡️ Fee free transfer / conversion on first S$850 - 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
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Decided to document this as I often get asked how do I decide which multi currency card to use overseas. and yes, I've used Instarem paired with citi rewards, shared some numbers, the opportunity cost etc and other cards like YouTrip, Revolut, Wise, and Trust Bank. Hope this helps! If you enjoyed this video, give it a like, it'll really help with supporting this channel! Constructive feedback is always welcomed!! 🙂
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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. 🫡
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Assuming a 2.5% cash back (a rather conservative % for conversion with 4mpd), on a $900 purchase = approx $22.50 cash back which is already more than $20 savings vs Revolut
Hi, I have been watching your videos for help. I thought to share my experience with GXS. I used it during my recent trip to Thailand. As promised, I got close to google fx rates. On top of that I got cash back for overseas spend.
I linked the card to bolt and used it for all my transport needs while there. Few restaurants mentioned and charged 3% bank fee for cards which is applicable for all cards.
I thought I’d share my experience for users who may consider GXS. Please note, GXS does not offer cash withdrawals from ATM (local and overseas)
Hi Demi, Trust card exchange rate is not as gd as Revolut or Wise but the linkpoints (use to offset purchase in Fairprice) they give more that make up for it. For all transactions including overseas purchases linkpoints is awarded.
Nice to see you doing well in Korea! Much wishes from a fellow SGrian
Hello Demi, revolut card for the FOC personal standard plan, is there supported currencies like u mention for Korean if I would like to lock in the rates and keep in the app first? As I saw that only Business paid account is able to store currencies.
Hi Demi, which part of Korea were you at? Looks nice and quaint
Like your new style of the video! :D
I'm a little bit confused about how to use HSBC's everyday global account to set up Giro to pay off other bank credit card bills for example Citi bank credit card?
will be covering this in a video soon! stay tuned!
Is the rate difference between Revolut and Youtrip very large?
Hi do I need a physical revolut card in Korea? I heard some places in Korea do not accept paywave.
Yes
How about ichange.. the rate not bad..
still has quite a bit of glitch on it and i was already overseas by the time it was out, didn't manage to compare it this time round.
Hi Demi, your video is useful thanks alot ! :) Also i am heading to Seoul in November which is in next 2 month time and i still have a few questions to ask you if you don't mind helping me to answer. My question will be mostly on Youtrip card as i am still unsure on how to use it there
Hello, just top up SGD and spend.
Hi Demi
Can I use my Trust debit card to pay for my mrt fare.
I just used it to top up my mrt card, it was rejected.
Thanks
It should work!
Would you use the wide platform to gain interest rate? :) they have a new function where the money in wise can be stored to earn interest
hmm i wouldnt try to leave extra money in there ahaha
wow you know korean :O Btw, in the last part of your video you mentioned that you paid off your bills using only DBS credit card, is there benefits using DBS to pay off the bills, other than the HSBC 1% Cashback?
Nope thats all
💘 Happy Valentine's Day!!! 💌💝🌹🌹🌹🌹🌹🌹🌹🌹🌹🌹🌹🌹
Sorry Demi how would you suggest a person spend or change their money in korea? Using revolut? Cash? Or say other credit card assuming a miles chaser please? Thank you.
Hello! Miles chaser - Citi Rewards with Instarem Amaze at places that accepts card payments, most places do! Revolut to exchange korean won and withdraw there subjected to a free withdrawal limit of 350 if i dont rmb wrongly. Or just change cash in singapore a little for the markets that you’ll visit and those small stalls that sells the fish carp bread etc etc
@@DemiZhuang thank you. I was still considering using revolut all the way but seems like it is quite impossible.
Hi Demi, how did you learn Korean? I’m currently learning but it’s hard.
I took classes for 6 months then gradually just watched and practice.
Maybe you can share about how you learn Korean in a future vlog. Really enjoy your vlog and newsletter. :)
Hi,🎉welcome home😅😊
thank you!