Wechat wallet

yhw22 · Saturday at 6:34 PM

vuzuuu said:
I have done 3 overseas transfers from sg Maribank to Wechat wallet, the highest rate is 5.23 follow by 5.20. And I also tried one transfer from POSB saving account to Wechat wallet which only gave 5.19. Topping up the wechat wallet will give me ease of mind for my coming trip to Hubei next week. Besides, linking my Maribank and Youtrip card to Wechat and Alipay and I also found out OCBC app allows me to scan the China QR code for any transaction. If you have an OCBC saving account and OCBC app, just scan the China QR code for any purchases, it's kinda backup when both wechat and alipay are not working.

But most feedback that OCBC QR code scan, the rate is very low. So not worth it, but it can be a backup when really no other source of method.

yhw22 · Saturday at 6:37 PM

Oldliao said:
Thanks for sharing. The Maribank forex you share above, how do they compare with Youtrip or Trust?

Once we load up wechat wallet, is there a way to toggle between using the wallet (for eg, for purchases above RMB 200) and using wechat pay linked to my Youtrip for smaller purchases?

using wechat wallet $$, don't think there's any fee for above RMB200.

sbl2560 · Saturday at 6:50 PM

yhw22 said:
using wechat wallet $$, don't think there's any fee for above RMB200.

Not at all

froztheart · Saturday at 7:45 PM

vuzuuu said:
I have done 3 overseas transfers from sg Maribank to Wechat wallet, the highest rate is 5.23 follow by 5.20. And I also tried one transfer from POSB saving account to Wechat wallet which only gave 5.19. Topping up the wechat wallet will give me ease of mind for my coming trip to Hubei next week. Besides, linking my Maribank and Youtrip card to Wechat and Alipay and I also found out OCBC app allows me to scan the China QR code for any transaction. If you have an OCBC saving account and OCBC app, just scan the China QR code for any purchases, it's kinda backup when both wechat and alipay are not working.

Yes, we have quite a number of options for payments in China now, apart from relying on WC/AP previously!
Forex ranking personally will be:
1. Mari/Trust
2. YT
3. DBS & OCBC (Worst rates)

froztheart · Saturday at 7:46 PM

Oldliao said:
Thanks for sharing. The Maribank forex you share above, how do they compare with Youtrip or Trust?

Once we load up wechat wallet, is there a way to toggle between using the wallet (for eg, for purchases above RMB 200) and using wechat pay linked to my Youtrip for smaller purchases?

Yes, when scanning there's payment option selection available. Your wallet or cards.

vuzuuu · Saturday at 8:14 PM

Oldliao said:
Thanks for sharing. The Maribank forex you share above, how do they compare with Youtrip or Trust?

Once we load up wechat wallet, is there a way to toggle between using the wallet (for eg, for purchases above RMB 200) and using wechat pay linked to my Youtrip for smaller purchases?

If there’s sufficient amount in your wechat wallet , they will deduct straight from the wallet.
I have no idea how to toggle between the wallet and credit card which we linked to wechat.
I don’t have Trust. I made 2 transfers from MariBank and Youtrip to WeChat on the same day. So, Maribank offered better exchange rate.

vuzuuu · Saturday at 8:16 PM

froztheart said:
Yes, we have quite a number of options for payments in China now, apart from relying on WC/AP previously!
Forex ranking personally will be:
1. Mari/Trust
2. YT
3. DBS & OCBC (Worst rates)

I will just keep OCBC as a backup. I can top up the WeChat wallet when I’m in China next week using MariBank app.

Oldliao · Saturday at 8:59 PM

vuzuuu said:
If there’s sufficient amount in your wechat wallet , they will deduct straight from the wallet.
I have no idea how to toggle between the wallet and credit card which we linked to wechat.
I don’t have Trust. I made 2 transfers from MariBank and Youtrip to WeChat on the same day. So, Maribank offered better exchange rate.

Youtrip can’t transfer to wallet right?

Oldliao · Saturday at 9:02 PM

froztheart said:
Yes, when scanning there's payment option selection available. Your wallet or cards.

Really? Didn’t seem to notice. Usually, scan, enter PIN, then done. And when they scan you, also very fast. Not sure at which point there’s an option to choose wallet or not.

vuzuuu · Saturday at 9:07 PM

yhw22 said:
using wechat wallet $$, don't think there's any fee for above RMB200.

Glad to hear that there’s no service charge for above 200rmb purchases if using WeChat wallet. Thanks.

vuzuuu · Saturday at 9:09 PM

Oldliao said:
Youtrip can’t transfer to wallet right?

Youtrip can’t make the transfer to WeChat wallet.
Only MariBank, OCBC and POSB/DBS.

froztheart · Saturday at 10:53 PM

Oldliao said:
Really? Didn’t seem to notice. Usually, scan, enter PIN, then done. And when they scan you, also very fast. Not sure at which point there’s an option to choose wallet or not.

Its a tiny options when keying PIN stage, so yes, can easily be overlooked.

froztheart · Saturday at 10:54 PM

vuzuuu said:
I will just keep OCBC as a backup. I can top up the WeChat wallet when I’m in China next week using MariBank app.

Yup, traditional banks as backup. I will still use WC/AP primarily paired with trust/YT, and Maribank with wallet too.

froztheart · Saturday at 10:55 PM

Oldliao said:
Youtrip can’t transfer to wallet right?

Yup, not available. Currently only banks possible due to regulations, all these 3rd party travel payment services don't clear China's payment regulations.

vuzuuu · 2026-10-25T06:46:45+0800

froztheart said:
Yup, not available. Currently only banks possible due to regulations, all these 3rd party travel payment services don't clear China's payment regulations.

On the Youtrip app, overseas transfer for China shows coming soon.

s7460597 · 2026-10-25T09:40:32+0800

Couldn't transfer from Mari credit card. Able to transfer to WeChat wallet from savings but fx has 0.46% difference.

froztheart · 2026-10-25T14:29:31+0800

vuzuuu said:
On the Youtrip app, overseas transfer for China shows coming soon.

Yes, its been for a while IIRC. Also, which from the recent increase in options, there seems to be actions to open up and provide more options than the traditional banks.
Good developments!

froztheart · 2026-10-25T14:29:56+0800

s7460597 said:
Couldn't transfer from Mari credit card. Able to transfer to WeChat wallet from savings but fx has 0.46% difference.

I believe still better than DBS/OCBC anyday.

sbl2560 · 2026-10-25T14:53:27+0800

vuzuuu said:
On the Youtrip app, overseas transfer for China shows coming soon.

Youtrip is slow. To capture market share, need to innovate. Maribank is the best at this moment, for transfer to AP / WP.

s7460597 · 2026-10-25T15:25:36+0800

Mari bank transfer to Alipay is to China id holder accounts only and the fx is better than to WeChat. Can't fathom why.

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