Hmm I'm not sure why YouTrip seems to be so popular when they have issues with top-up (need to wait a few days to process huh?!) and other stuff.
There are several other similar multi-currency wallets available to Singaporeans (use Google can easily find). Personally, I chose
RHB TravelFX as my main consideration is to get a means to obtain cash if I run out of it while overseas. From my research last time, RHB TravelFX is the only one without its own overseas ATM withdrawal fees (there may be a fee imposed by the ATM operator which all foreign cards can't avoid). Most debit cards or other multi-currency wallets will impose $5 fee at least. RHB TravelFX provides free ATM withdrawals for up to 20 times a year, which is more than enough for me since I don't have that many trips.
I've used my RHB card in Europe (many countries) and Japan and it worked perfectly for both ATM withdrawals and retail transactions. The mobile app is also easy to use and didn't give me any bugs, and can log in using biometric, don't need to rekey in login details.
Just posting this so that people know that there are other options out there. YouTrip marketing v good ah like all my friends only know of that and nothing else.