What YouTrip does

YouTrip, operated by You Technologies Group (Singapore) Pte Ltd, is a Singapore-headquartered multi-currency fintech platform that combines a consumer travel wallet (YouTrip), a B2B corporate card and spend management platform (YouBiz), and a parental-controlled youth card (YouTrip Family). The core technology stack is a multi-currency e-wallet that integrates the Mastercard payment network and sources real-time wholesale interbank exchange rates with no markup, supporting in-app exchange across 12 wallet currencies and card acceptance in 150+ countries. The platform is licensed as a Major Payment Institution under Singapore's Payment Services Act and issued by a Mastercard Principal Member, with customer funds safeguarded in segregated accounts at DBS, Standard Chartered, OCBC, and Deutsche Bank.

The revenue model is freemium and transaction-fee driven: the consumer and youth products are free at the entry tier, with revenue generated primarily through the FX spread on currency conversion, ATM withdrawal fees above a S$400 monthly threshold, card replacement fees, and merchant interchange that subsidizes YouBiz's unlimited 1% cashback. Go-to-market is hybrid: a self-serve mobile-app-driven product-led growth motion for consumers (augmented by the YouTrip Creators Program and YouTrip Perks affiliate partnerships with Trip.com, Klook, Agoda, Expedia, Lazada, Shopee, and others), and a sales-assisted motion for YouBiz SMEs with Xero accounting integration as a wedge.

The company serves three primary customer segments: frequent travelers and digital nomads using the consumer wallet, Southeast Asian SMEs and startups using YouBiz (8,000+ finance teams disclosed), and parents with traveling children aged 7-18 using YouTrip Family. Geographic presence spans Singapore, Thailand, and Australia (launched December 2025), with explicit plans to enter Hong Kong, Japan, and New Zealand. The company is private, has raised over US$60 million in disclosed funding including a US$30 million Series A in November 2021 and a 2023 round led by Lightspeed Venture Partners, and has signaled a possible IPO ahead of its Australia expansion.

Name

YouTrip

Legal name

You Technologies Group (Singapore) Pte Ltd

Website

https://you.co

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

YouTrip is a Singapore-licensed multi-currency fintech operating a consumer travel wallet (YouTrip), a B2B corporate card platform (YouBiz), and a parental-controlled youth card (YouTrip Family), serving frequent travelers, SMEs, and families across Asia Pacific with zero FX fees and wholesale exchange rates.

Ownership category

akta.pro rank

Product category

Multi-Currency Digital Payments

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

International / Multi-Currency Wallets (FSAMAEAL)

akta.pro secondary industries

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Travel Money Cards & Multi-Currency Prepaid (FSAMANAI), Youth / Family Wallets & Allowance Payments (FSAMAEAK)

Keywords

• Multi-currency wallet
• Cross-border payments
• Travel fintech
• Foreign exchange services
• Corporate spend management

Headquarters

HQ city

Sheung Wan

HQ country

Hong Kong SAR China

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Consumer Multi-Currency Services: YouTrip earns revenue through the spread between wholesale exchange rates offered and rates passed to customers, plus fees on ATM withdrawals beyond free threshold. The core FX and card transaction services are free to users, funded by currency exchange margins.
2. YouBiz Corporate Card & Business Account: Business account with $0/month base fee. Revenue from overseas transfer fees (transparent, low), ATM withdrawal fees, and cashback rewards funded through merchant interchange fees. 1% unlimited cashback is subsidized by merchant fees.
3. Xero Integration Revenue Share: YouBiz promotes Xero subscription with 90% discount for 6 months. While primarily a customer acquisition tool, this partnership may include referral arrangements.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels8 records

Core offering

YouTrip is a multi-currency mobile wallet paired with a Mastercard debit card that lets users exchange, hold, and spend across 12 currencies at real-time wholesale exchange rates with zero FX fees, accepted in 150+ countries. Through its YouBiz sub-brand it provides SMEs and high-growth companies with multi-currency business accounts, corporate cards with unlimited 1% cashback, batch overseas transfers, approval workflows, and native Xero integration, and through YouTrip Family it offers a parental-controlled travel card for children aged 7-18. Revenue is generated from the spread on currency exchange, merchant interchange fees funding cashback, and fees on ATM withdrawals above a free monthly threshold.

Product overview

YouTrip operates a multi-product fintech platform centered on multi-currency payments and travel finance. The core consumer product is YouTrip, a multi-currency e-wallet and Mastercard debit card offering zero FX fees and wholesale exchange rates in 150+ countries. YouBiz is the B2B counterpart — a multi-currency corporate card and spend management platform with unlimited 1% cashback, real 0% FX fees, and Xero integration. YouTrip Family extends the offering to children aged 7–18 as a parental-controlled debit card with the same FX rates. Supporting features include overseas transfers (40+ countries via DuitNow, GCash, UPI), YouTrip eSIM (data in 140+ countries), and YouTrip Split (expense splitting in beta). A loyalty program called YouTrip Perks delivers cashback at travel and lifestyle brands. Together, these products cover personal travelers, families, and businesses across Southeast Asia and Australia.

Differentiator

Problem solved

Functional benefit

Brands

• YouBiz: All-in-one business account and corporate card with multi-currency support, unlimited 1% cashback, and real 0% FX fees for SMEs and growing companies.
• YouTrip Family

Products and services

• YouTrip Multi-currency travel e-wallet and Mastercard debit card that lets consumers exchange, hold, and spend in 12 currencies at wholesale exchange rates with zero FX fees, accepted in 150+ countries. Supports Apple Pay and Google Pay, in-app currency exchange, free ATM withdrawals up to S$400/month, one-click card lock, 24/7 fraud monitoring, and instant push payment alerts.
• YouBiz Multi-currency business account and corporate card for SMEs and high-growth companies. Offers 9-currency accounts with local receiving details, unlimited 1% cashback with no caps, real 0% FX fees on foreign currency payments, batch overseas transfers up to 1,000 payments in 20 currencies, two-layer approval workflows, team roles and spend controls, and native Xero integration with daily auto-sync. Priced at S$0/month.
• YouTrip Family Parental-controlled multi-currency travel wallet and debit card linked to a parent's YouTrip account for children aged 7-18. Features zero FX fees and wholesale exchange rates in 150+ countries, parental spending limits, real-time transaction monitoring, instant card lock/unlock, low balance alerts, and one free physical card per child, with management for up to 10 children per parent.
• YouTrip Transfer (Overseas Transfers) Cross-border remittance service that lets users send money from their YouTrip wallet to 40+ countries at best exchange rates with transparent low fees. Supports instant transfers to Malaysia via DuitNow, Philippines via GCash, and India via UPI, with same-day settlement available on popular currencies. Funded from PayNow or linked bank accounts and regulated by the Monetary Authority of Singapore.

Quantifiable outcome

• Save up to 6x compared to traditional solutions on remittance fees (YouBiz)
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature7 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• MastercardcoreStrategic or Co-development Partner · 1 January 2018YouTrip is issued as a Principal Member of Mastercard. All cards carry the Mastercard logo and are accepted at over 150 countries worldwide. This partnership enables the core card issuance and payment processing infrastructure for both consumer and business products.
• XerocoreTechnology or IntegrationYouBiz integrates directly with Xero accounting software for automatic transaction syncing, expense categorization, and receipt attachments. YouBiz users receive 90% off Xero for 6 months as a promotional benefit. Integration supports daily automatic sync and manual override.
• DBS Bank, Standard Chartered Bank, Oversea-Chinese Banking Corporation, Deutsche BankcoreOthersCustomer funds are held in dedicated segregated accounts with these safeguarding institutions as required by Singapore's Payment Services Act. Funds are protected separately from company assets and held on trust for customers.
• CarousellminorGTM or Marketing PartnerCarousell partnered with YouBiz as a perks partner. Johnny Lim, Regional Head of Sales and Business Director: 'We are thrilled to partner with YouBiz as a perks partner, combining our reach and YouBiz's expertise in financial solutions, to help small local businesses find success in today's fast-paced business landscape.'
• DuitNow, GCash, UPIcoreTechnology or IntegrationYouTrip Transfer integrates with DuitNow (Malaysia), GCash (Philippines), and UPI (India) for instant international transfers. These payment rails enable same-day or instant cross-border transfers to these markets.
• TruTripminorGTM or Marketing PartnerTruTrip offers 3 months free subscription on TruTrip standard subscription plan for YouBiz users as part of the YouBiz Perks program.
• NotionminorGTM or Marketing PartnerNotion offers 6 months free Notion Business with Notion AI included for YouBiz users as part of the YouBiz Perks program.
• Trip.com, Klook, Agoda, Expedia, Lazada, ShopeeminorGTM or Marketing PartnerYouTrip Perks provides cashback offers and discounts with major travel and e-commerce platforms including Trip.com (up to 12% cashback), Klook (up to 15% cashback), Agoda (up to 10% off), Expedia (up to 15% cashback), Lazada (up to 10% cashback), and Shopee (up to 10% cashback).
• Monetary Authority of Singapore (MAS)coreOthersYouTrip is licensed as a Major Payment Institution under the Payment Services Act 2019 by MAS. This regulatory status enables the company to legally offer account issuance, domestic money transfer, cross-border money transfer, and e-money issuance services.

Scale indicators8 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Airwallex: Airwallex is a direct competitor offering multi-currency business accounts, corporate cards, and cross-border payments for SMEs across Asia-Pacific. YouBiz competes head-to-head with Airwallex in the Southeast Asian SME segment with very similar product positioning.
• Wise: Wise (formerly TransferWise) is a direct peer in multi-currency wallets and cross-border money transfers, offering consumer and business accounts with mid-market FX rates. Both target travelers and SMEs seeking low-cost international payments.
• Revolut: Revolut is a direct competitor in multi-currency digital wallets with debit cards offering interbank FX rates and global spending. Both serve frequent travelers and digital nomads with similar zero-foreign-transaction-fee positioning.
• Aspire: Aspire is a Southeast Asian fintech offering multi-currency business accounts and corporate cards for SMEs — competing directly with YouBiz in the regional SME cross-border payments space.
• Wirex: Wirex offers multi-currency debit cards with mid-market FX rates and global spending capability, competing directly with YouTrip in the consumer travel wallet category.
• TransferGo: TransferGo is a direct peer in cross-border money transfers to emerging markets, comparable to YouTrip Transfer's remittance offerings into the Philippines, Malaysia, and India via DuitNow, GCash, and UPI.
• Bunq: Bunq is a European neobank offering multi-currency accounts with travel-focused debit cards. While geographically distinct, it competes on the same multi-currency wallet + travel card value proposition that defines YouTrip.

Regional players

• Niyo: Niyo offers multi-currency travel cards primarily in the Indian market with zero-FX-fee positioning comparable to YouTrip. Both target frequent international travelers but Niyo is geographically focused on India.

Broad incumbents

• StashAway: StashAway is a Singapore-headquartered fintech offering digital wealth management. While not a direct competitor on payments, it is a fellow Singapore fintech brand competing for the same digitally-native consumer base.
• Grab Financial: Grab Financial is Southeast Asia's super-app fintech offering, including payments, lending, and financial services. As a broad incumbent with deep Southeast Asian distribution, it competes for the same consumer wallet share that YouTrip targets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/YouTripSG
• Instagraminstagram.com/YouTripSG
• TikToktiktok.com/@youtripsg
• Xx.com/youtripsg
• LinkedInlinkedin.com/company/youtrip

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 records

Funding overview

Funding rounds3 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about YouTrip