Comparison

YouTrip vs moolahPAY

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

Head to head
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).

About

moolahPAY

This payment super app allows users to exchange currencies, send money internationally at competitive rates, and make local payments. It offers rewards for transactions and secure top-up options.

Highlights
  • International money remittance
  • Multi-currency exchange
  • Local PayNow payments
  • Cashless QR code payments
  • Transaction rewards (mCoins)
  • Secure e-wallet top-ups
Features
Read full description

We've Re-branded to moolahPAY! • After 2.5 years of winning the hearts of Singapore consumers, we've decided to name your beloved payment app to "moolahPAY". Read more about our name change here: https://www.moolahgo.com/moolahgo-rebrands-its-popular-consumer-e-wallet-app-to-moolahpay/ Latest Promotion • All New to moolahPAY users will get a Special Privilege of much higher exchange rates and fee waiver for your 1st cross-border transfer transaction! moolahPAY e-Wallet • moolahPAY is a Singapore payment super app that gives you access to extremely attractive currency exchange rates, remit money to over 20 countries at good rates, purchase your multi-currencies for travel or investment needs, make PayNow SGQR payments and many more. • Best thing is, 1st Timer Users get to enjoy special privileges such as Fees Waiver and Exchange Rates even higher than market rate! What can you do with moolahPAY? Top-up • Conveniently top up your eWallet securely via multiple methods including international Credit/Debit cards, PayNow, QR-code scanning and Bank transfer • Top up for immediate use or auto-debited for future payments Send Money (Cross-border Remittances) • Send money at highly competitive exchange rates, seamlessly and on real-time • Send from Singapore to over 20+ countries • SG's 1st e-Wallet capable of sending money to Indonesia wallets at just 50 Cents per transaction Exchange Currencies • Exchange your currencies at the same competitive rates in your multi-currency eWallet Pay Now (Peer-to-Peer Payments) • Send money locally in SG to your friends free of charge • Pay your friends using Singapore's PayNow network • Handy and more rewarding alternative to your bank app Buy Now (Cashless Payments) • Pay for your purchases without using cash • Scan SGQR PayNow QR Codes Earn Rewards • Get rewarded for your transactions (including top-ups!) • Accumulate our reward points named mCoins® when you transact • Redeem for vouchers at popular retailers About Moolahgo We are an ambitious and rapidly growing digital multi-currency payments Fintech with the mission to challenge the status quo and make financial services fair and accessible to everyone (businesses and individuals). Why Moolahgo? • Licensed and regulated by The Monetary Authority of Singapore as a Major Payments Institution (License No.: PS20200262) • Your money is strictly separated from our own funds so they are secure • Well capitalized - multi-million dollars in paid-up capital. Plus, security deposit held with MAS • Secure – PCI DSS security standards for cards processing, Biometric sign-in, PIN enforcement before wallet deduction Ready to gain control of your finances and get rewarded for it? Download moolahPAY now, sign up for your free account, and start saving with us! --------- Send from: Singapore (SGD) To: Australia (AUD), Bangladesh (BDT), Canada (CAD), China (CNY, CNH), Europe (EUR), Great Britain (GBP), Hong Kong (HKD), Indonesia (IDR), India (INR), Japan (JPY), Kenya (KES), Malaysia (MYR), Nepal (NPR), New Zealand (NZD), Philippines (PHP), South Korea (KRW), Sri Lanka (LKR), Switzerland (CHF), Taiwan (TWD), Thailand (THB), United States (USD), Vietnam (VND), and more... --------- Term of use at https://www.moolahgo.com/index.php/view/tos Privacy policy at https://www.moolahgo.com/index.php/view/privacy Find out more about us at https://www.moolahgo.com/ Follow us on LinkedIn (https://sg.linkedin.com/company/moolahgo), Facebook (https://www.facebook.com/MoolahGoFintech/), and Instagram (https://www.instagram.com/moolahgo/)

Screenshots

YouTrip4 screens
moolahPAY4 screens

Verdict

The call

The clearest difference is review sentiment: moolahPAY at 100% against YouTrip's 42%. moolahPAY also leads on monetization model (ad-supported vs free with in-app purchases). YouTrip's advantage is rating (4.6 vs 4.0) and ratings volume (409 vs 1). 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

YouTrip holds the better App Store score, 4.6 against 4.0. That said, the two scores are not equally well evidenced: YouTrip has 409 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 42% of YouTrip's written reviews are positive against 100% of moolahPAY's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

YouTrip ships an update every 9 days, moolahPAY every 5 weeks. The most recent releases landed on October 15, 2026 and October 5, 2026 respectively.

Scorecard6 real differences · 4 level
YouTrip versus moolahPAY: the parameters behind the verdict, then further details
ParameterYouTripmoolahPAY
PriceFreeFree
Rating4.6 (409 ratings) — better4.0 (1 ratings)
Positive reviews42.1% of reviews100.0% of reviews — better
Number of ratings409 — better1
Update frequencyEvery 9 days — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesAd-supported — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.6
Further details — not scored
Size240 MB114 MB
Age rating4+4+
DeveloperYou Technologies GroupMoolahGo Pte Ltd

Customer experience

YouTrip

All ratings409 ratings
Positive89.7%
Neutral2.9%
Negative7.3%
Written reviews76 reviews
Positive42.1%
Neutral0.0%
Negative57.9%

moolahPAY

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews6 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and 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

moolahPAY

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

YouTrip

No in-app purchases

None

moolahPAY

No in-app purchases

Questions

Is YouTrip free?
YouTrip is free to download, with no in-app purchases.
Is moolahPAY free?
moolahPAY is free to download, with no in-app purchases.
Which has better reviews, YouTrip or moolahPAY?
YouTrip is rated higher. YouTrip averages 4.6 out of 5 from 409 ratings, while moolahPAY averages 4.0 from 1 ratings.
Do YouTrip or moolahPAY have ads?
Neither YouTrip nor moolahPAY shows ads.
Which is updated more often, YouTrip or moolahPAY?
YouTrip ships an update every 9 days, and moolahPAY every 5 weeks. Most recently, YouTrip was updated on October 15, 2026 and moolahPAY on October 5, 2026.

Other comparisons