对比一下youtrip和revolut首先申明一下，本帖绝非广告，也不会放任何推荐码。纯属分享一下两个卡的使用心得。 最重要的汇率问题，个人的体验是差异微乎其微 ，两者给的汇率都很靠近中间汇率。从省钱角度来说，几乎没有任何差别。 充值方面，现在还可以用信用卡给Y充值，充值是立刻到账。但是，不论是dbs还是uob的信用卡，都无法给R充值，交易会被拒绝。如果要给R充值，只能用银行帐户。APP上说几乎是立刻到账，但是我在实际使用中发现有些时候确实是实时到账，但是有些时候延迟十多分钟。因为不少人都不会在这种卡上放很多钱，都是要结账了才临时充值，所以这十多分钟的延迟有些时候会让人非常尴尬。从充值这一点来说，Y做的好一些。 feature方面，R做的好一些，可以一个账户分出若干张卡，实体卡，online卡，一次性卡等等。而Y只有一张卡。而且R可以加到Google pay里面，用手机支付。Y暂时还不能加。 对外转账，R可以，Y不能。这可能也是为啥不能用信用卡给R充值的原因。因为充的值可以转出来，这就变相成了免费信用卡体现。银行可不想看到这个。 两者各有优缺点，所以现在我的做法是两个都带上，哪个方便用哪个。该帖荣获当日十大第5，奖励楼主10分以及15华新币，时间：2022-12-01 22:00:1 (more...)

是balance不能超过5k吧，中间可以超啊Your Revolut account (including any amount held in your Vaults) cannot exceed S$5,000 (or foreign currency equivalent) at the end of each day. During the course of the day, however, your balance is allowed to go over S$5,000. The PS Act also impacts how much you can transact annually. You can transact no more than S$30,000 (or its equivalent in foreign currencies) on a 12-month rolling basis. This S$30,000 limit applies to transactions such as card spend, overseas ATM withdrawals, and money transfers. An External Account is your personal SGD deposit account held with a bank in Singapore in your name. If you are likely to transact above S$5,000 during the day, then you will have to set up an External Account. With an External Account you’ll be able to: Top up, transact with or receive more than S$5,000 in your Revolut account throughout the day Allow us to automatically transfer any balance in excess of S$5,000 to your External Account every night between 23:30 and 23:59,

是balance不能超过5k吧，中间可以超啊Your Revolut account (including any amount held in your Vaults) cannot exceed S$5,000 (or foreign currency equivalent) at the end of each day. During the course of the day, however, your balance is allowed to go over S$5,000. The PS Act also impacts how much you can transact annually. You can transact no more than S$30,000 (or its equivalent in foreign currencies) on a 12-month rolling basis. This S$30,000 limit applies to transactions such as card spend, overseas ATM withdrawals, and money transfers. An External Account is your personal SGD deposit account held with a bank in Singapore in your name. If you are likely to transact above S$5,000 during the day, then you will have to set up an External Account. With an External Account you’ll be able to: Top up, transact with or receive more than S$5,000 in your Revolut account throughout the day Allow us to automatically transfer any balance in excess of S$5,000 to your External Account every night between 23:30 and 23:59,

是exchange有限额The only time you will pay more than this is if you exceed the exchange fair usage limit for your plan. If you do, you will be charged an exchange fair usage fee on any exchange above the limit. Our Standard plan allows you to make S$5,000 of exchange per month without an exchange fair usage fee, while Premium gives you a S$15,000 allowance. However, after that, an exchange fair usage fee of 0.5% applies. You can avoid this completely by upgrading to a Metal plan (if you haven’t already), which don’t have any exchange fair usage limits. 我旅游一般不会一个月花掉5k外币 所以还没trigger过这个 可能是怕用来炒汇? MAS规定 annual limit for transactions 是30k 无论哪家都有这个limit 5k/mth岂不是很快就到了

不能用Google pay是Y卡的最大问题不能对外转账，算是有利有弊，因为一旦可以转账了，那信用卡充值这条路很大可能也被堵上。 但是不能加到手机支付里面，而竞争对手都可以，这就有点说不过去了。 再说了，Y卡也是master卡，加到手机支付里面，应该不存在技术方面的问题。