In future come genting only need prepare 2 cards on hand will do. Don't need change riggits at money changer. One card is youtrip for expenses. The other card is trust bank to withdraw cash for casino gaming and maybe tipping. Rates still better for Youtrip, but trust bank have probably the best exchange rate from most money charger in sg.
As long as got visa logo can already. But since I withdraw using the maybank atm, I continue using it. Ya, there will display service fee for conversion as you using their bank, you don't choose that. You choose no conversion. I check Google and then try one. And it's really no conversion fee as trust bank also say don't choose the bank conversions fee for best rate. Their rate is follow by Google rate. Quite good. Example Google rate at 3.15 for riggits, their exchange rate is 3.14+. So is really good.
