CPF Mobile vs YouTrip
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CPF Mobile
Manage your personal CPF information and access services on the go. View your CPF statement, receive alerts, and access account balances. Features a privacy mode for public use and allows transactions via PayNow QR.
- Access CPF statement
- Manage CPF information
- Receive push notifications
- Privacy mode
- PayNow QR transactions
- View account balances
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CPF Mobile provides you with easy access to your personal CPF information on the go and quick access to your CPF statement and services to manage your CPF. You can also receive push notification alerts and updates regarding your personal CPF matters, educational articles, CPF tips and events even when you are on the move. For added privacy when browsing through the app in public spaces, simply turn on privacy mode. In addition, you can transact with us conveniently via your mobile devices to access your CPF account balances and perform selected transactions* using payment modes such as PayNow QR. You can access the following CPF information and services using your Singpass: • Dashboard • Healthcare • Housing • Investment • Transaction History • Services * Retirement Sum Topping-Up Scheme and Voluntary Housing Refund For the full suite of CPF online services, please visit cpf.gov.sg.
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.
- 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
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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. A 2% fee applies thereafter.) 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
Verdict
The clearest difference is monetization model: CPF Mobile at free against YouTrip's free with in-app purchases. YouTrip's advantage is update cadence (every 10 days vs every 2 months) and rating (4.6 vs 4.3). On price, review sentiment, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
YouTrip holds the better App Store score, 4.6 against 4.3. That said, the two scores are not equally well evidenced: YouTrip has 399 ratings behind it against 9, so its average is the more settled of the two. Written reviews split almost evenly too, at 43% and 42% positive.
CPF Mobile ships an update every 2 months, YouTrip every 10 days. The most recent releases landed on September 22, 2026 and September 20, 2026 respectively.
| Parameter | CPF Mobile | YouTrip |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (9 ratings) | 4.6 (399 ratings) — better |
| Positive reviews | 43.1% of reviews — better | 42.1% of reviews |
| Number of ratings | 9 | 399 — better |
| Update frequency | Every 2 months | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.1 | 13.0 — better |
| Further details — not scored | ||
| Size | 65 MB | 242 MB |
| Age rating | 17+ | 4+ |
| Developer | Central Provident Fund Board | You Technologies Group |
Customer experience
CPF Mobile
YouTrip
Bugs and requests
CPF Mobile
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
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- 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
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- 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
CPF Mobile
No in-app purchases
YouTrip
No in-app purchases









