Comparison

Pay2Home vs YouTrip

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Pay2Home

Send money globally with ease and security. This app allows for fast, convenient transfers with low, flat fees and no hidden charges. Track your transactions, pay bills overseas, and even collect cash at select locations.

Highlights
  • Instant sign-up with Singpass MyInfo
  • Fast and reliable worldwide money transfers
  • Low, flat fees with no hidden charges
  • Overseas bill payments and contributions
  • Real-time transfer status tracking
  • Biometric login for enhanced security
  • Pre-purchase foreign currencies
Features
Read full description

Experience our convenient, fast and secure Mobile app that lets you send money 24/7 with just a few taps on your phone. What’s more, with the Pay2Home Mobile app, you can: • Sign-up instantly and conveniently with Singpass MyInfo • Save time with quick and reliable worldwide money transfers at your fingertips • Experience low, flat fees on your money transfers with no hidden surprises • Set up instant cash collections or bank deposits transfers • Make overseas bill payments or contributions easily • Receive notifications and track the status of your money transfers • Set up a money transfer on the app and pay with cash at any 7-Eleven store in Singapore • Opt in for exclusive, free Priority2Protect personal accident plan for Mobile app users • Enjoy exclusive promotions and discounts • Check live exchange rates 24/7 • Secure your app with biometric login Additional features • Register for a free Pay2Home account with Singpass MyInfo to transact instantly • Send money around the clock to more than 40 countries and territories, including our new destination countries: Japan, Korea and Myanmar • Make payment through electronic payment methods such as Internet Banking, NETSPay and PayNow, Pay2Home wallet account or pay with cash at any 7-Eleven stores islandwide (Singapore only) • Track the status of money transfer, from initiation of money transfer to when your beneficiary is paid • Pre-purchase and store foreign currencies on the Wallet account (Singapore only) • Purchase mobile phones or home electronic products for yourself or your family back home easily with Shop@Pay2Home service. Instalment plans are available too! • Keep track of loyalty stamps and rewards • Top-up StarHub Prepaid SIM card to stay in touch with loved ones Need to transfer? Here’s how it works: 1. Tap on “Send Money” 2. Add or choose a beneficiary 3. Select the destination country 4. Confirm the delivery method – bill payment, government services contributions, bank transfer, overseas cash card deposit, cash collection or door- to-door delivery service 5. Confirm how much you wish to send 6. Choose your payment method" For more information, please visit: https://www.pay2home.com/. The Pay2Home Mobile app is brought to you by Wandr Pte Ltd, licensed by the Monetary Authority of Singapore. P2H (Hong Kong) Pte Limited is a money remittance business licensed by the Customs & Excise Department of Hong Kong. Wandr and P2H (Hong Kong) operate under the Pay2Home brand.

About

YouTrip

A multi-currency mobile wallet and Mastercard that enables seamless spending in over 150 countries. It offers competitive exchange rates and no foreign transaction fees, making it ideal for international travel and online shopping.

Highlights
  • Multi-currency mobile wallet
  • Mastercard for global spending
  • Best exchange rates
  • Zero foreign transaction fees
  • Fee-less ATM withdrawals
  • Instant transaction notifications
  • Card lock and security features
Features
Read full description

Meet YouTrip - your multi-currency mobile wallet and Mastercard for hassle-free spending across 150+ countries. Designed for travellers in Singapore, Thailand and Australia, YouTrip lets you shop anywhere – online or in-store – with the best rates and zero fees. Join millions of users across Asia Pacific who use YouTrip to pay and travel smarter! Whenever, wherever, we got you • Pay with the best rates in 150+ countries • Exchange & hold popular currencies right in the app Goodbye hidden fees • Travel and shop freely with zero FX fees • Withdraw cash fee-less* from overseas ATMs (*Fee-less withdrawal limits per calendar month: S$400 for Singaporeans, THB 50,000 for Thais and AS$1,500 for Australians. Thereafter, a 2% fee applies for Singaporeans, Thais and Australians. It can’t get any safer than this • Lock and secure your card instantly with just one tap • Stay on top of your transactions with instant notifications for every payment • 24/7 monitoring by our dedicated fraud, security, and customer support teams Apply for an account now & get the best rates at your fingertips! About Us: Launched in 2018, YouTrip is a regional financial technology startup with a bold vision to empower everyone with a smarter and most convenient way to pay in foreign currency. As the trailblazers of fintech in Asia Pacific, we are dedicated to being a trusted companion for all travellers and digital-savvy consumers. Powered by Mastercard®, YouTrip is a holder of the Remittance License issued by the Monetary Authority of Singapore. In Thailand, YouTrip is jointly issued and powered by Kasikornbank PCL. In Australia, we hold an Australian Financial Services License (558059) and are regulated by the Australian Securities and Investments Commission (ASIC).

Screenshots

Pay2Home4 screens
YouTrip4 screens

Verdict

The call

The clearest difference is review sentiment: Pay2Home at 100% against YouTrip's 43%. Pay2Home also leads on rating (5.0 vs 4.6) and monetization model (free vs free with in-app purchases). YouTrip's advantage is ratings volume (412 vs 1) and update cadence (every 9 days vs monthly). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Pay2Home holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: YouTrip has 412 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 100% of Pay2Home's written reviews are positive against 43% of YouTrip's.

UpkeepUpdate frequency

Pay2Home ships an update monthly, YouTrip every 9 days. The most recent releases landed on October 7, 2026 and October 29, 2026 respectively.

Scorecard5 real differences · 5 level
Pay2Home versus YouTrip: the parameters behind the verdict, then further details
ParameterPay2HomeYouTrip
PriceFreeFree
Rating5.0 (1 ratings) — better4.6 (412 ratings)
Positive reviews100.0% of reviews — better42.9% of reviews
Number of ratings1412 — better
Update frequencyMonthlyEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size62 MB240 MB
Age rating4+4+
DeveloperPay2HomeYou Technologies Group

Customer experience

Pay2Home

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

YouTrip

All ratings411 ratings
Positive89.8%
Neutral2.9%
Negative7.3%
Written reviews77 reviews
Positive42.9%
Neutral0.0%
Negative57.1%

Bugs and requests

Pay2Home

Not enough reviews yet to summarise bugs or requests.

YouTrip

Reported bugs

21 issues
  • App freezes
  • App is unstable in the UK
  • Cannot load transactions
  • Money transferred is pending for many hours
  • Debit card fails
Show 16 more
  • Card rejected by merchants due to malfunctions
  • App keeps getting stuck on a purple loading screen
  • App keeps lagging when opening
  • Bug in the app, cannot access every 2-3 days
  • App frequently hangs
  • App keeps hanging on opening
  • Unable to retrieve card details after maintenance
  • App is buggy and unable to load after updating to iOS
  • Face ID issue: automatically brings to first user interface after logout
  • App assumes user is not existing after update/re-download
  • Email login service does not function on weekends if logged out
  • App not kept up with iOS 13
  • Application keeps having error when overseas
  • Top ups pending for 8+ hours
  • Missing wallet transactions
  • App refuses to load properly

Requested features

13 requests
  • Support for iPad
  • Option to turn off advert notifications
  • Ability to transfer money between cards (international currency)
  • Price rate notifications
  • Dark mode
Show 8 more
  • More features to make it compelling
  • Call center for instant assistance
  • Web version
  • Option for existing users to log in with password
  • Allow money transfer out of the app
  • Improve Face ID functionality
  • Real-time payment approval notifications
  • Ability to use for AXS payments

In-app purchases

None

Pay2Home

No in-app purchases

None

YouTrip

No in-app purchases

Questions

Is Pay2Home free?
Pay2Home is free to download, with no in-app purchases.
Is YouTrip free?
YouTrip is free to download, with no in-app purchases.
Which has better reviews, Pay2Home or YouTrip?
Pay2Home is rated higher. Pay2Home averages 5.0 out of 5 from 1 ratings, while YouTrip averages 4.6 from 412 ratings.
Do Pay2Home or YouTrip have ads?
Neither Pay2Home nor YouTrip shows ads.
Which is updated more often, Pay2Home or YouTrip?
Pay2Home ships an update monthly, and YouTrip every 9 days. Most recently, Pay2Home was updated on October 7, 2026 and YouTrip on October 29, 2026.

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