Me Time!

[MMM]

MyPillow\" post_id=\"2126643\" time=\"1704780223\" user_id=\"70594:

Estee, the sunday means the country we are in at the point or refer to Sg Sunday?
I din take note, had been using revoult in italy last month
Thanks

Revolut charges admin fee for usage on weekends. While we were in Europe in November, we bought swiss franc and Euro on our revolut and youtrip card to sort of hedge our currency exposure. Back then there was a cap of S$5K per card but they recently lifted the limit on youtrip. For those paid using local currency (euro/ sfr) in our wallet, there is no fee for weekends. Nowadays, our preference is to buy local currency in the card prior to the trip unfortunately there are some currencies that cannot be bought (eg. ringgit or taiwan dollar) Personally prefer this mode vs changing cash though i think some cash is still required just in case.

My dd just returned from 5 months exchange in Spain and she leveraged her youtrip and revolut for her expenses.

[Estéema]

MyPillow\" post_id=\"2126643\" time=\"1704780223\" user_id=\"70594:

Estee, the sunday means the country we are in at the point or refer to Sg Sunday?
I din take note, had been using revoult in italy last month
Thanks

At the point of card usage but not sure if they Syn SG timezone or overseas. On Sundays they don’t hv a working exch rate & hence charge you for admin handling charges & a higher rate.

To avoid my forgetfulness, I dump using the Revolut card when overseas. I just want less complications & enjoy my time rather than worry at back of my mind.

YouTrip has been our go-to card for a long time. They don’t charge handling fees & rates are usually good almost any overseas location we go to. I’ve found TRUST card as ano alternative, tho i didn’t use during our Europe trip. The best & comforting thing is we can do immediate transfers fr our bank acct into YouTrip card to pay any big ticket item w/o depositing too much into the card. After pymt, we log/lock out the YouTrip card. This way we don’t worry abt it being cloned, misused for double deduction or further deduction.

DS uses TRUST debit card for cash back benefit.

[starlight1968sg]

Estéema\" post_id=\"2126634\" time=\"1704776850\" user_id=\"66413:

The kids either hv YouTrip or TRUST Cards. TRUST card offers some cash back.

Personally, I’ve dumped my Revolut card last year coz it’s not competitive when use overseas in a Sunday. Apparently, they don’t hv live exch rates on Sunday, so they charge a higher rate. We decided not to be caught in a situation when we travel & forget it’s a Sunday & pay for food or shopping. Parts of Europe can get very expensive & not worth if rates Jack up our spending.

We hv YouTrip and TRUST cards. I like the latter and use it for MRT/bus.

The former has some limitations as it has only 8 foreign currencies.

I dont hv Revolut card.

[starlight1968sg]

slmkhoo\" post_id=\"2126619\" time=\"1704771028\" user_id=\"28674:

No minimum spend or annual fee. Can't remember if there was a minimum balance for the bank account, but I think there's no requirement if it's a child's account.

You should definitely start a monthly allowance system for your daughters. They will not be able to learn budgeting if they don't practise. If you pay their allowance into their bank accounts, you can set an automatic transfer from your bank account to theirs, so you won't need to remember each month.

MKS
I agreed with slmkhoo.
You can start with your girls when they are in Sec 1 by giving a weekly allowance. If they finish all $$ on Mon, then starve for the rest of the week :evil:
This is the best time for them to learn about budgeting etc.

[starlight1968sg]

MMM\" post_id=\"2126653\" time=\"1704784119\" user_id=\"1366:

Revolut charges admin fee for usage on weekends. While we were in Europe in November, we bought swiss franc and Euro on our revolut and youtrip card to sort of hedge our currency exposure. Back then there was a cap of S$5K per card but they recently lifted the limit on youtrip. For those paid using local currency (euro/ sfr) in our wallet, there is no fee for weekends. Nowadays, our preference is to buy local currency in the card prior to the trip unfortunately there are some currencies that cannot be bought (eg. ringgit or taiwan dollar) Personally prefer this mode vs changing cash though i think some cash is still required just in case.

My dd just returned from 5 months exchange in Spain and she leveraged her youtrip and revolut for her expenses.

Wah, got admin fee for usage on weekends ??? Then this is not user friendly to me.

[ChiefKiasu]

Note that if you use Trust card, you need to be FULLY employed. My sister's card got cancelled unceremoniously just a year after her retirement. So sad hor, NTUC think that retired people got no money to spend

[starlight1968sg]

ChiefKiasu\" post_id=\"2126669\" time=\"1704792311\" user_id=\"3:

Note that if you use Trust card, you need to be FULLY employed. My sister's card got cancelled unceremoniously just a year after her retirement. So sad hor, NTUC think that retired people got no money to spend

Oh, this is something which surprised me.
So i must continue to be fully employed to use Trust Card. There is simply no trust at all that I can pay my bills punctually :oops:

[starlight1968sg]

Anybody use ezlink card ot NETS FlashPay Card?

Some changes coming up from 1 Jun 2024 :
https://www.lta.gov.sg/content/ltagov/en/newsroom/2024/1/news-releases/ez-link_adult_cardholders_and_nets_flashpay_cardholders_to_transit_to_simplygo.html

[MrsKiasu]

starlight1968sg\" post_id=\"2126673\" time=\"1704792901\" user_id=\"14025:

Anybody use ezlink card ot NETS FlashPay Card?
Some changes coming up from 1 Jun 2024 :
https://www.lta.gov.sg/content/ltagov/en/newsroom/2024/1/news-releases/ez-link_adult_cardholders_and_nets_flashpay_cardholders_to_transit_to_simplygo.html

I took mrt last week and flash an expired card. Went to change and was told only SimplyGo now. Still top up using ezlink app..will receive notification on fare but cannot see the card bal when tapping in and out.

[sharonkhoo]

ChiefKiasu\" post_id=\"2126669\" time=\"1704792311\" user_id=\"3:

Note that if you use Trust card, you need to be FULLY employed. My sister's card got cancelled unceremoniously just a year after her retirement. So sad hor, NTUC think that retired people got no money to spend

What does FULLY employed mean? And how Trust Bank know that your sister was retired? I declare myself as self-employed, and no-one asks me how many hours a week I work. I never declare myself as \"retired\" though.

Just found this on the Trust Bank FAQ:
I'm a retiree, can I still apply for Trust credit card?

Yes, you may qualify for a credit card with a S$500 credit limit (subject to meeting other standard bank requirements), if you meet the below criteria:[list]