All You Need to Know about Using YouTrip Overseas (YouTrip vs Trust Bank)

All You Need to Know about Using YouTrip Overseas (YouTrip vs Trust Bank) | New ATM Withdrawal Guide

Рет қаралды 21,844

9 ай бұрын

Multi Currency Cards for Travel (ranked to 'best rates')
🌟 REVOLUT ➡️bit.ly/3UHBgPZ
🌟 WISE ➡️ Fee free transfer / conversion on first S$900 - tinyurl.com/demiwise
🌟 YOUTRIP ➡️ Receive $5 on first top up - tinyurl.com/dzyoutrip01
🌟 TRUST BANK ➡️ Receive $35 NTUC Voucher - Referral Code: 69F3T6UM
🌟 INSTAREM ➡️ tinyurl.com/demiinstarem - Referral code: KplHNh
Is YouTrip still better than other multi currency cards like Trust Bank, Wise and Instarem? With the new Apple Pay feature and new ATM Withdrawal updates, here's all you need to know about using YouTrip overseas and also an important tip in this video!
If you enjoyed this video, give it a like, it'll really help with supporting this channel! Constructive feedback is always welcome!! 🙂
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📚 The Pathless Path - amzn.to/3vxYqOu
📚 The Psychology of Money - amzn.to/3vB4g1p
📚 Die with Zero - amzn.to/3ShqkHb
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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
Some links above are affiliate link. I earn a little at no cost to you!
Hey guys, I just wanted to mention that with all the videos I've posted to-date it 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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#youtrip #demizhuang #travelcard

Пікірлер: 83

@DemiZhuang 9 ай бұрын

Multi Currency Cards for Travel (ranked to my preference) 🌟 YOUTRIP ➡ Receive $5 on first top up - tinyurl.com/dzyoutrip 🌟 WISE ➡ Fee free transfer / conversion on first S$900 - tinyurl.com/demiwise 🌟 Trust Bank ➡ Receive $35 NTUC Voucher - Referral Code: 69F3T6UM 🌟 INSTAREM ➡ tinyurl.com/demiinstarem - Referral code: KplHNh

@NicholasYg 9 ай бұрын

I'll be using YouTrip for my first Japan trip as well. The currency rate for Yen is very near all-time high over the last decade, very good for foreigners to visit Japan in the near future.

@chriiisnnn 2 ай бұрын

Great Video! Very well planned and all details are nicely explained. loved the ATM withdrawal clip to show us what to look out for! thank you for your great video!

@vinayvipul 3 ай бұрын

HI Demi, Nice video. While not fully relevant to the topic of your video, which is utilizing a card for overseas travel, it's also important to let your followers know when comparing Trust and YouTrip is that, for the period that you're not travelling, any money sitting idle in the Trust Bank account earns interest while any unused funds in the YouTrip wallet doesn't earn any interest.

@clkbrian 8 ай бұрын

Have a wonderful trip to Japan! Let us know if Japan's ATM has any service charges for WIse and YouTrip cards!

@Jam-zy3ko 3 ай бұрын

Hi Demi! Thanks so much for this very helpful walk through. Hope to confirm -- if I use YouTrip for tap to pay, 0 fees also right and no limit? It will automatically convert my SGD to KRW and no additional charges? Given that the FREE cash withdrawal is up to SGD 400 only, planning to use tap to pay of YouTrip when in Korea too for back-up. Thanks so much!

@ymca225 3 ай бұрын

I was in Korea recently and all the Global ATMs I used from different banks all charge an access fee, where do you find those that don't charge the fee?

@SamuelInexperience 7 күн бұрын

Now I have the Youtrip apps and the card will arrive within 5 to 7 days, if I want to go Europe like amsterdam, Paris and France, how much to top up?

@knockitdown20 9 ай бұрын

Thanks for the update video! May I ask a kinda silly question - if my trust card is a debit card only and I didn't apply for the trust credit card, can I still use it in Taiwan to withdraw TWD from the local ATM? and also use the debit card as a paywave payment just like a credit card paywave as long as my trust bank account has SGD?

@DemiZhuang 9 ай бұрын

Yes! Thats right

@ridgesbs6282 4 ай бұрын

@@DemiZhuangif I have both Trust credit card and saving account with enough balance, Is there any difference if I withdraw money from two accounts separately? Thanks

@ytngng 5 ай бұрын

Hihi, I have watched a few videos from your channel and applied for trust bank debit card for my TW trip last year. Really thankful for all the video guides. Just wondering if both youtrip and trust bank cards work the same in China? and do you have any guides on the trust/youtrip card usage in China? Can we put trust/youtrip cards into Alipay/Wechat for the payment?

@DemiZhuang 5 ай бұрын

I have not been to china so i’m not sure.

@weishenliu2826 4 ай бұрын

Thanks a lot for the step by step walkthrough on the withdrawal of foreign currencies at foreign bank using youtrip card. How about Japan?

@DemiZhuang 4 ай бұрын

same thing.

@Jam-zy3ko 3 ай бұрын

Oh sorry one more - do you recommend I convert SGD to KRW via YouTrip before flying to Korea? Or better if i just ensure my YouTrip account has enough SGD then just let YouTrip auto-convert my SGD to KRW when I arrive in Korea?

@DemiZhuang 3 ай бұрын

Youtrip doesnt allow to change in advance for korean won

@weeteck223 9 ай бұрын

HIII DEMIII

@DemiZhuang 9 ай бұрын

👋🏼👋🏼

@mdwan7250 Ай бұрын

How do ypu add korean currency?

@emmanong2790 9 ай бұрын

How to add on Canada Currency in the YOUTRIP? Any demonstration ?

@DemiZhuang 9 ай бұрын

Hi, CAD not a supported currency on YouTrip, so just top up SGD and spend. It is supported as a wallet on Wise and Revolut! Did a recent review on Wise for the rates here - kzfaq.info/get/bejne/esCTdamLzsvSm4k.htmlsi=3Y-dQ8hREqbdAuWH I've been comparing Revolut recently will be posting a video on it soon but thus far the rates are better than wise for KRW and JPY. You can try compare for CAD! Just take note, for revolut, don't exchange on the weekends because there's a 1% fee!

@bruceloveapple 7 ай бұрын

Is the withdrawal process the same for revolut? and which bank do you use

@DemiZhuang 7 ай бұрын

Same! Nonghyup

@cwxbp 5 ай бұрын

Heya demi! I will be going to japan soon and i will be bringing my youtrip card. I have a qn! For example i used up all my yen on my youtrip card and i still have 200sgd in my card and i want to withdraw cash from the ATM machine. Do i need to exchange my sgd to yen on the app first to withdraw the cash or is it possible for the atm to convert the sgd in the card to yen automatically? And are the rates btr on app or the ATM?

@DemiZhuang 5 ай бұрын

i think they can do it automatically! the rates will still be on the app not the atm, it'll be at that current point of time the exchange rates on youtrip.

@cwxbp 5 ай бұрын

@@DemiZhuang oo I see thank you!! :)

@clymcel 9 ай бұрын

Hi Demi! Have you topped up the YouTrip wallet using Mastercard while overseas? Do we only need data, or is ability to receive sms required (for 2FA purpose, if any)?

@DemiZhuang 9 ай бұрын

You need data to load the app

@wooriefamily 5 ай бұрын

Would be great if there is English subtitles made by the video uploader.

@mdwan7250 Ай бұрын

So i intend to go korean i dun need to do any conversion? It will be auto conversion by itself?

@DemiZhuang Ай бұрын

yes

@phillaurenz4309 3 ай бұрын

Can i ask if i can use youtrip to buy overseas online shopping? For example if i wanna buy something online in malaysia

@DemiZhuang 3 ай бұрын

yes

@TB-zt6hs 3 күн бұрын

If I use this card in Japan and I have both SGd and YEN in my account. Will the credit card machine auto deduct my Yen and not SGD?

@DemiZhuang 3 күн бұрын

Yes yen first

@jecksonng 9 ай бұрын

Now 109.5 for j

@paulinepeng5484 26 күн бұрын

Can i check whether japan railway or train can we use youtrip to tap?

@DemiZhuang 21 күн бұрын

hmm I've never tried. I used youtrip to topup the suica card on apple pay.

@Vv-im1ul 8 ай бұрын

Hi Demi, is the physical card linked to the virtual card (topping up the virtual card also tops up the physical card)? I’ve noticed that they have different card numbers and have to be added separately to Apple Pay. If they are linked, is there a need to use the physical card when I’m overseas?

@DemiZhuang 8 ай бұрын

It’s all just 1 balance despite the “different” cards

@muhdsaufi6144 Ай бұрын

Is there a difference in the fx fees for Trust debit/credit card?

@DemiZhuang Ай бұрын

Not to my understanding!

@tyl5566 24 күн бұрын

Youtrip can hatch currency at the best rate before the trip Payment with Trust is only at that day rate you can't change in advence is that right?

@DemiZhuang 22 күн бұрын

Yes

@tyl5566 22 күн бұрын

@@DemiZhuang thank you :)

@bbb3rry 2 ай бұрын

How about dbs multi currency card

@Lt.Skullz 9 ай бұрын

Have you use trust credit card overseas?

@DemiZhuang 9 ай бұрын

Yes it’s in that table in the video.

@Nanoxenium 9 ай бұрын

What are your thoughts on Revolut though

@DemiZhuang 9 ай бұрын

😵‍💫 do you use them personally? are the rates better in your opinion?

@Mew77778 9 ай бұрын

@@DemiZhuang i use them because can store and exchange korean won in advance and can also withdraw the excess back to the bank unlike youtrip.

@DemiZhuang 9 ай бұрын

Wise also can, rates are good there. Have a video coming up on Wise.

@Nanoxenium 9 ай бұрын

@DemiZhuang I only use Revolut so I'm not sure 😅

@Mew77778 9 ай бұрын

looking forward to the next video. Currently hesitating because i heard need to pay 9 dollars for the card

@amisesang5 9 ай бұрын

I am using Youtrip card for Japan , Korea , Thailand and Vietnam . Even oversea purchase USD I convert to local currency and purchased . I like topping up hassle bcoz it’s extra security and awareness of txn. I have nightmare with Trust bank even local usage they incur random interest charge even after fully paid and customer service cmi 🤨🧐

@DemiZhuang 9 ай бұрын

:/ I''ve had a different experience with their CS though, it was fine for me. But Yes!! extra security if you think of it that way :)

@knockitdown20 9 ай бұрын

What about using trust debit card overseas instead of trust credit card? Would debit card have less chance of incurring these random interest rate charges? Also less risk in case of stolen card (you may not realise soon enough to turn off the credit card function on the app in time before the thief spends the card)

@DemiZhuang 9 ай бұрын

Same… no fees.

@engminglee6856 9 ай бұрын

Can u elaborate more on how u incurred those interest charges using Trust? By right, there should not be any fees according to Trust

@amisesang5 9 ай бұрын

@@engminglee6856 there was cc payment made on early Aug at hospital using Trust card . Statement came out on Aug which I paid fully on late Aug before due date . However strangely Trust charge 'Purchase interest charged' on 13 Sep again after full payment made back on Aug. So I report to In app CS . Normally In app then they give me generic answer (due to non full payment or date is due . we cannot share my screenshot evidence in-app live chat ) So I call instead and ask them for check in system then CS explain their interest calculation cumulative daily so even after payment made before due date , interest still calculated from date I charged card to date I paid . It still does not make sense to me because that's why we use CC from any other bank and even Trust card I cannot find reasons 1. why other txn like fair price doesn't incur charge from day I use to day I paid 2. why there is interest on Sep for month of aug backdated calculation . It's WIP case not yet resolved for me 😅 my instinct told me it could be one off system glitch for my case but things can be improved “in app chat” and customer service training