Having been in the Philippines close to 2 months, I have utilized many different multi-currency cards. From Revoult, DBS Multi-Currency Card, YouTrip and Trust. Best and behold, of course, I have found my favorite multi-currency card to use overseas.

Indeed, it is Trust Bank.

Trust Bank – A unique partnership by Standard Chartered and FairPrice Group forming one of the digital banks in Singapore.

Hmmm, why is it my favourite card? You may ask….

Below are 5 reasons why I felt it is the best overseas card to use right now!

1. No FX Fees

Yes, you hear it right. No FX fees! Hence, the rates that you get from every overseas spend is really close to google rates~

overseas exchange rate
Source: Trust

2. Easy money Transfers

Unlike YouTrip, you are not able to transfer money out once you transfer it into the e-wallet. How Trust works is essentially like a savings account, you can transfer money, in and out seamlessly. PayNow is applicable for Trust Bank as well!

3. Numberless Card

numberless card for overseas use

With a numberless physical card, you never have to worry about your card details being stolen while travelling.

4. Secure controls for overseas use

Utilizing the Trust App, it is easy to control your Trust card permissions by toggling between enable and disable overseas transactions. You can even lock/unlock your card as and when you want.

5. Easy access to overseas ATMs

With Trust card, you can withdraw at any overseas ATMs that have a Visa logo. No fee from Trust, but there might be a fee from the overseas bank that operates the ATM.


Whenever 2 currencies are shown in the Point-Of-Sale system, always pay in the foreign currency! This is because if we were to pay in our local currency (SGD), there is a 3.5% markup at the Point-Of-Sale!

Sign Up now!

This is the best overseas card in the market right now.

In addition, do check out our other latest articles. If you are keen, check out our articles on other analysis: Trust Bank Referral and Singaporeans visa in the UK.

Free USD18 with just a simple deposit of $1.


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