Stop paying exchange fees: How to access your money anywhere for free while travelling

Few things excite Singaporeans more than planning their next big getaway. According to the

Travel Trends 2025 report

by travel search engine Skyscanner, even with rising costs, 53 per cent of Singapore travellers plan to spend more on their holidays in 2025 than in 2024.

Seasoned travellers know all too well that every foreign transaction typically comes with hidden costs – from ATM withdrawal fees to marked-up exchange rates. Yet a great trip does not have to mean accepting these extra charges. With the right tools and practical strategies in hand, you can experience more while spending less.

That is where the

UOB FX+ Debit Card

comes in. With zero foreign currency transaction fees, competitive exchange rates as good as what you see online, cashback on ATM withdrawals and the ability to hold multiple currencies, the card is designed to help you maximise your travel budget. The end result? Greater savings that you can put towards your next adventure.

No stressing over exchange rates and foreign exchange fees

When you arrive at a new destination, the last thing you want is to be hit with inflated exchange rates that could put a damper on your holiday. While the added cost of inflated exchange rates and foreign exchange fees with each individual purchase may not seem like much, these can quickly add up throughout the course of your holiday.

Whether you are paying for hotel stays, booking sightseeing tours, or indulging in local delicacies, the UOB FX+ Debit Card lets you spend worldwide with zero foreign currency transaction fees – so you will not feel the extra pinch. Plus, with the card’s competitive exchange rates, you can shop and dine overseas without unnecessary costs eating into your travel budget.

To make the most out of your spending, the UOB TMRW app lets you lock in your preferred exchange rate ahead of time, receive rate alerts and have your desired amount converted when the rate is met. This way, you can take advantage of favourable rates to maximise your budget, no matter where you are in the world.

Spend across borders with multiple currencies

What if you are travelling across multiple countries, like in Europe? The UOB FX+ Debit Card lets you hold multiple currencies – including the Euro, British Pound and Swiss Franc – in one account, saving you the hassle of currency exchange.

With the card, you can also convert 11 popular currencies at competitive online rates through the UOB TMRW app – and there are no storage limits. You can convert as much as you want and store it for whenever you need it, all while avoiding unexpected fees, making local purchases hassle-free.

And if you are not travelling yet, you can still make the most of your converted currencies by placing them in a fixed deposit to earn interest or using them to invest in foreign-currency denominated unit trusts – giving you more opportunities to grow your funds while you wait for your next getaway.

Access cash anytime, anywhere without extra fees

Whether you are exploring a bustling city or venturing off the beaten path, having easy access to cash is always essential – for street food, shopping at local markets, tipping at restaurants, or covering unexpected expenses.

The UOB FX+ Debit Card grants you the flexibility to make convenient withdrawals around the world, so that you can enjoy every experience fully without having to fuss over keeping sufficient cash on hand. A bonus: You get a $5 cashback on the first four overseas cash withdrawals per calendar year.

With the UOB FX+ Debit Card as your handy travel companion, you can enjoy more travel experiences without overspending. So start planning, and make every journey in 2025 one to remember.

Learn more and sign up at the UOB FX+ Debit Card website

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Important Notice and Disclaimers

The information in this article shall not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment products is qualified in its entirety by the terms and conditions of the investment product and if applicable, the prospectus or constituting document of the investment product. Nothing in this article constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisers about issues discussed this article.

The information in this article, including any data, projections and underlying assumptions, are based on certain assumptions, management forecasts and analysis of known information and reflects prevailing conditions as of the date of this article, all of which are subject to change at any time without notice. Although every reasonable care has been taken to ensure the accuracy and objectivity of the information contained in this article, United Overseas Bank Limited (“UOB”) and its employees make no representation or warranty of any kind, express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. As such, UOB and its employees accept no liability for any error, inaccuracy, omission or any consequence or any loss/damage howsoever suffered by any person, arising from any reliance by any person on the views expressed or information in this article.

SGD deposits are insured up to S$100k by SDIC.

This advertisement has not been reviewed by the Monetary Authority of Singapore.