Referral Codes · Payments
YouTrip referral link for Singapore
What YouTrip’s S$5 can and can’t do, why invite links run out, and every fee YouTrip lists, put to work on your own trip.
YouTrip referral link, from YouTrip’s Singapore terms and app, read 11 Nov 2026
A YouTrip referral link gets you S$5 in your YouTrip balance once you sign up through it, activate the account and make a first top-up of any amount. The member whose link it is gets S$5 too.
You can spend the S$5 anywhere the card works, but YouTrip won’t pay it out: its terms leave referral credit out of refunds, and only money you put in by PayNow or eGIRO can be sent back to a bank.
We earn from this. The link is from our editor’s own YouTrip account, which gets S$5 when you top up, and a one-off S$50 once 10 friends have. Your S$5 is the same whichever member’s link you use.
The S$5 is for spending, not withdrawing
YouTrip’s referral terms ask three things of a new user: you’ve never had a YouTrip account, you sign up through a member’s link, and you activate the account and top it up with any amount. Then S$5 is “automatically credited” to your balance, and the same to the member who sent the link.
What the terms don’t put on the invite screen is how that S$5 behaves afterwards. YouTrip only sends a balance back to a bank account if the money came in by PayNow or eGIRO. If you close the account, the refund is what’s left after a S$10 fee and after taking off “promotional credits (e.g. any referral bonus)”. So the S$5 pays for coffee in Tokyo or a taxi in Bangkok, and that is all it does. Top up S$10, spend nothing and close the account, and nothing comes back: the balance has to be more than the S$10 fee and the S$5 credit put together before YouTrip refunds anything.
From YouTrip’s referral programme terms, which run from 30 March 2021, and its General Terms, both read 11 Nov 2026.
Why our link has a date on it
A YouTrip invite link doesn’t last. The app’s invite screen says “valid for 60 days”. The referral terms set a different clock, 90 days from when the member gets the link, and YouTrip’s own blog post about referrals gives both figures. We go by the app, so the box at the top shows the date our link stops working and the button comes down after it. The terms make signing up within the link’s window a condition of the S$5, so with a link from a post or a friend, check that it opens a sign-up page before you go through the steps.
Every fee YouTrip lists
YouTrip’s General Terms carry the whole price list. Most of it is free. The charges are for cash past a monthly allowance, a replacement card, and taking your money out when you leave.
| For | YouTrip charges |
|---|---|
| Paying in a foreign currency | Free |
| Exchanging between currencies in the app | Free |
| Card, sign-up and annual fee | Free |
| Topping up | Free |
| Cash from ATMs abroad | Free for the first S$400 a calendar month, then 2% of the amount |
| Replacing a card, with delivery | S$10 |
| Closing the account and taking the money out | S$10 |
| Sending money overseas | Shown in the app before you confirm |
None of those fees touches the rate itself. YouTrip says it converts at mid-market rates, and our pages for the yen, baht, won, euro and ringgit show the market rate through the day, so you can set the app’s figure beside one before you exchange.
The ATM allowance resets each calendar month, so S$400 on 31 March and S$400 on 1 April are both free. The bank that owns the ATM can still add its own charge, which YouTrip says it isn’t responsible for. The terms also bar using YouTrip mainly to earn points on the card you top up with, and YouTrip can reverse transactions it decides were for that.
Limits, and how money gets left behind
An account can hold up to S$20,000 at a time and take in S$100,000 of top-ups every 365 days, counted from your first top-up. Nothing in it earns interest.
The rule to know is the one for when your card expires. The money left on the account can no longer be used, and you have 30 days from the expiry date to ask for a refund. Miss that and YouTrip treats the balance as abandoned. Ask in time and it pays within 60 days of receiving your form, after the S$10 fee. Then you have 50 days to collect it before it’s treated as abandoned again.
Is money in YouTrip protected?
YouTrip is run by You Technologies Group (Singapore) Pte Ltd, which holds a major payment institution licence from MAS under the Payment Services Act. Its terms say customer money is held on trust in segregated accounts at DBS, Standard Chartered, UOB and Deutsche Bank’s Singapore branch, apart from its own money, and that customers can claim from those accounts if it becomes insolvent. Some foreign currencies held in the app are protected by a guarantee from those banks instead. This is safeguarding, the same arrangement as other payment apps. It is not deposit insurance, which in Singapore covers deposits at banks and finance companies in the scheme, such as an account at Trust Bank.
Questions
Is there a YouTrip referral code to type in?
Not that YouTrip describes. Its referral terms and the app’s invite screen speak only of a personal link, and YouTrip’s blog post on referrals says to sign up by opening the link and carrying on in the same browser window. So open the link on the phone you’ll install YouTrip on, rather than searching for the app separately.
I had a YouTrip account years ago. Can I still get the S$5?
No. The terms say the new user must not be an existing user or have signed up before, and members can only refer people who have never had an account.
Does the card have to arrive first?
The app’s invite screen asks only for sign-up and a first top-up. The terms add that the account has to be activated, and YouTrip’s 2021 blog post on referrals described activating with the 10-digit number on the card. The terms also say a card goes only to a Singapore home address, not a PO box.
What is the S$50 on the invite screen?
A one-off bonus for the member who sends the links, paid once ten of their friends have signed up and topped up. It isn’t yours as the new user.
Can I use YouTrip for my business?
Not this account. The terms limit it to personal use and point businesses to YouBiz, which is a separate account.
Can I top up with a credit card?
The terms list cards among the ways to pay for automatic top-ups and charge nothing to top up. They also forbid using YouTrip mainly to collect rewards on your own cards, so a credit card top-up done for its points is the kind YouTrip can reverse.
Changes to this page
No corrections yet. The first one will be listed here, with the date and what changed.
New: YouTrip referral link for Singapore. The S$5 each side gets once a new user tops up, why that credit can be spent but never withdrawn, why invite links run out after 60 days, every fee in YouTrip’s terms, the card-expiry refund deadline, and a box that sets a trip’s fees beside Revolut’s free plan and a bank card. See the page
How we know this
We read YouTrip’s General Terms for Singapore, its referral programme terms and its blog post on referrals on 11 Nov 2026. The invite screen and the link come from our editor’s own YouTrip app on 10 Nov 2026. The bank card figure in the box is the one our currency pages use, and Revolut’s come from its Singapore fee pages, read on 11 Nov 2026. Our link hasn’t brought in a sign-up yet, so how fast the S$5 arrives is YouTrip’s word, not something we’ve watched happen. The box compares published fees. Whether YouTrip suits your trip depends on things it can’t see, like the rate on the day.