Welcome, my friend, to another episode about me and my multicurrency cards. Haha! Honestly, I didn’t expect myself to write about the Trust Bank card and YouTrip again since mine is a travel blog and not a finance one. But you see, hubs and I have been using our Trust Bank card and YouTrip for overseas spending and ATM withdrawal, so it has become part of our travel experience. As such, I thought it would be good to share these experiences with you in the hope that you will find them useful for your trip! (ᵔ◡ᵔ) If you have ever felt intimidated by using a foreign ATM, this post is for you! So, grab your cards and get ready for a stress-free adventure! ☆ミ(o*・ω・)ノ

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Our First Overseas Withdrawal with Our Trust Bank card in Thailand

Suppose you are coming over from my post about the best cards to use overseas. Hi again! You should have also seen my video, where I shared our overseas withdrawal using our Trust Bank card at AEON’s ATM in Bangkok, Thailand. If you are new here, fret not, as I am here to share slightly more about our experience in Bangkok.

In case you didn’t know about this, banks in Thailand charge an additional ATM access fee, and there is no running away from this fee, no matter which card you use. So, if you intend to make an overseas cash withdrawal with your multicurrency cards, you must consider this. I recommend withdrawing more cash at once, so you only need to pay the fee once. (´• ω •`)

Why We Chose AEON for our Overseas Cash Withdrawal

AEON is known to have the lowest ATM fee in Thailand, at 150 THB (~5.60 SGD) instead of the usual 220 THB (~8.20 SGD). As you can see, the fee isn’t small. That was why I recommended withdrawing your cash at once, as multiple withdrawals would cause the cost to add up, making it no longer cost-effective.

I received a comment on my YouTube video asking about AEON’s ATM, specifically their locations. You can find out where AEON has its branches and ATMs on its website~! We found out that the Big C Ratchadamri branch was nearest to us. But sadly, the ATM was down. That was how we eventually landed at Centralworld to do our overseas cash withdrawal with our Trust Bank card.

If you intend to find an AEON ATM, remember to refer to the website to check out which branch is the nearest to you! That is no guarantee that it will work, but there is no harm in trying. (ᵔ◡ᵔ) Also, Centralworld has many banks on the same floor as AEON if you prefer other banks. So, you might find what you want there as well.

Cash Withdrawal with our Trust Bank card at AEON ATM

A Fuss-Free (Mostly) Overseas Withdrawal in Taiwan

Finally, after quite some years, we were back in Taiwan! I have missed Taiwan so much. (ノД`) This time, we explored both Taipei and Taichung, with the former being more for my in-laws. So, our overseas ATM withdrawal in Taiwan would be based on our experiences in these two big cities~! (ᵔ◡ᵔ)

Since using our Trust Bank card and YouTrip has become part of our travel experience, hubs and I did our due diligence to learn more about Taiwan’s ATM system. And we realised there were so many conflicting messages out there! Some were saying that ATMs in convenience stores charge an additional fee, and only ATMs in train stations don’t have a fee. And then there were others saying otherwise. It was very confusing. (・・;)ゞ So, hubs and I decided to put our multicurrency cards to the test during our trip, and this is what we found out.

The Best Bank for Overseas Cash Withdrawal in Taiwan

During our trip, we tried to make our overseas cash withdrawals at as many banks’ ATMs as possible and at convenience stores, Taoyuan International Airport, and train stations. And we have concluded that ATMs under Cathay United Bank do not charge an additional ATM access fee, regardless of where we withdraw our cash. We tried it at the convenience stores and train station, and all came with no extra fee.

We, however, met with an issue while making our cash withdrawal at the Cathay United Bank ATM in a convenience store. The ATM informed us that hubs had entered the wrong PIN. But he had been using the same PIN in Taiwan with no issues! ٩(× ×)۶ So, we decided to try with our Trust Bank card for our overseas withdrawal instead. And this time, it worked! So, even though most of our experiences with Cathay United Bank’s ATM were fuss-free, note that there might still be minor issues like what I have shared. Now that you have the failsafe option, it is time to talk about other banks we have tried. ( ´ ω ` )

Our Overseas Cash Withdrawal Experience with Other Taiwan Banks

After we sent my in-laws off at the Taoyuan International Airport, we explored the airport and came by a Mega Bank‘s ATM. Since our mission is to try as many ATMs in Taiwan as possible, we decided to try our luck with this ATM. The process was similar to what we experienced with Cathay United Bank’s ATM and did not come with an additional ATM access fee. So, if you need to withdraw money on arrival in Taiwan, this is one bank you can also consider for overseas cash withdrawal.

If you thought the ATM access fee was just a legend, you are wrong! We found CTBC Bank‘s ATM at a convenience store, which charges an additional 100 TWD for the ATM access fee (~4.20 SGD). We obviously did not continue with the transaction, but we were so happy to finally find one with the extra fee. Haha! So, if you want to withdraw cash from a convenience store, you might not want to avoid CTBC Bank’s ATM. (>ᴗ•)

Finally, we tried an ATM under UB Bank at a metro station in Taichung. We naively thought that all ATMs in train stations would work for us, so we decided to put it to the test. And we were disappointed. Haha! It didn’t work and even displayed an error message that we didn’t understand the meaning of. Oh well, back to finding a Cathay United Bank ATM, then! (´・ᴗ・ ` )

Tourist-Friendly ATMs in Taiwan

We did not try many ATMs in Taiwan, as we kept coming across Cathay United Bank’s ATMs. Based on the ATMs we tried during our trip, we realised that none allowed us to choose our preferred language. But don’t worry, as all of them come with English language in their options and messages. The only time we didn’t have an English message was when UB Bank’s ATM showed us an error message in Chinese. But other than that, I think all the ATMs in Taiwan are pretty tourist-friendly. (´ ω `♡)

Since we did not try all the banks’ ATMs at different spots, e.g., CTBC Bank’s ATM at a train station, your experience might vary. But one thing’s for sure: Go for Cathay United Bank’s ATMs, and you should be good to go for a stress-free cash withdrawal experience.

Cash Withdrawal with our Trust Bank & YouTrip card at Cathay United Bank ATM

An Eventful Overseas Withdrawal with Trust Card in Indonesia

You know how hubs and I are always so diligent to do our homework before travelling? Well, we totally DID NOT do that for our trip to Batam, Indonesia. Haha! It was supposed to be a casual trip for us to rest and relax, so much so that I didn’t even bring my camera! Hehe. So, with how chilled we were, we did not do enough research before making cash withdrawals using our Trust Bank card in Batam. And then we had a problem. Or, more specifically, problems. (´・ᴗ・ ` )

Our First Failed Overseas Withdrawal with Panin Bank

I mean, how hard can overseas ATM withdrawals be? Considering our multiple attempts overseas, we were confident that nothing could go wrong. But you see, that’s being complacent, and being complacent comes with a price. Okay, I made that sound more serious than it should be. Haha! It was more of a failed attempt. (´• ω •`)

We were staying at ARTOTEL Batam, and coincidentally, there is a Panin Bank just opposite the hotel. Hubs and I were like, JACKPOT! An ATM just right across the street, we wouldn’t have to worry about getting cash for our trip~! \(★ω★)/ Uh-huh, no. We were wrong. Haha! The ATM doesn’t come with any English language option. So, without that option, there was no way we could understand what was on the screen. We ended up cancelling the transaction using the cancel key and left the ATM booth feeling disappointed. Boo! (´-ω-`)

Overseas Cash Withdrawal at Grand Batam Mall

According to Google Maps, it showed us that there is an ATM Centre at the mall. So, we decided to head over there to try our luck, hoping and praying they have ATMs with an English language option. When we entered the ATM Centre, we were amazed by the number of ATMs. There were probably about 10 of them in there, each from a different bank, and the ones we tried all had an English language option. So yay, jackpot again! \(^ヮ^)/

And just when we thought all was good, we failed our first few attempts. AHHHHHHH~! ٩(× ×)۶ Not knowing if he entered the correct PIN, hubs decided to reset his PIN from the Trust Bank app. Thankfully, there is such a function on the app that we can make any changes immediately and on the spot. Phew. After changing, we tried again at an OCBC ATM, hoping a familiar bank would work. But it didn’t! (ノД`)

So, hubs did a quick search and realised we should be looking for ATMs that accept Visa since our Trust Bank card is a Visa debit card. This time, we tried the card at the CIMB ATM, and it worked! It also doesn’t have any additional fee, so yay for that as well. (ᵔ◡ᵔ) Anyway, our first attempt was at the BRI ATM, and it almost caused me to have a heart attack! The machine took more than 30s to process before giving us an error. I nearly thought that it was going to gobble up our card. It was such a nerve-wracking moment. That’s for not doing our homework beforehand! (x_x)

Cash Withdrawal with Our Trust Bank card at BRI and CIMB ATMs

Things Worth Mentioning when doing Overseas Withdrawals

Mastercard or Visa Payment Gateway

Depending on your multicurrency card, check that the ATM you use has the payment gateway’s logo before using the machine. We made the mistake of not doing that in Batam and wasted some time there. That said, the BRI ATM has a VISA logo, which didn’t work for us. So I guess it’s all about luck, then. (´-ω-`)

Anyway, note that not all ATMs accept Mastercard and Visa, so it is always a good idea to have two cards, each from a different payment gateway! That is why we always bring our Trust Bank card and YouTrip in case such situations occur. (ᵔ◡ᵔ)

Additional ATM Access Fee

If you still worry about accidentally paying the additional ATM access fee after reading my post, fret not! ATMs will always inform you of any extra fee before processing your transaction. They will also allow you to cancel the transaction if you do not want to continue with the cash withdrawal. So, even though I did not cover all the ATMs in a country, you can be assured that there is no harm in trying your luck at any ATMs you see. The process is pretty transparent, so you have nothing to worry about. (>ᴗ•)

ALWAYS Defer Conversion or Accept without Conversion

Whenever you make an overseas cash withdrawal, you can defer conversion or accept without conversion. This option varies depending on the country and ATM. But always choose to go with deferring or accept without conversion. This option will allow you to use the conversion rate from Mastercard or Visa instead of the local bank’s conversion rate, which is almost always worse. So choose the correct option for better rates!

What to Prepare Before Using Your MultiCurrency Cards for Overseas Withdrawal

The following are just some generic reminders to consider before using your multicurrency cards overseas for cash withdrawal. These reminders are made based on my Trust Bank card and YouTrip, so you might have different things to consider when using your card.

Money in Your Multicurrency Card

Remember to have enough money in your multicurrency card! Whether you are using a credit or debit card, if you want to withdraw cash instead of taking a cash advance, you MUST have money in your card for cash withdrawals to work. Otherwise, an empty card is as good as none. You can’t even use it to pay for stuff overseas, unless you are using a credit card like the one from Trust Bank. So, remember to top-up your card!

Unlock Your Card for Overseas Usage

Make sure to unlock your card for overseas usage! My Trust Bank card and YouTrip can unlock the cards for overseas usage on the apps, so no matter what card you hold, it should also have such an option. You can also do this on the spot before your cash withdrawal since it is just a press of the slider on the app. (ᵔ◡ᵔ)

Remember Your ATM PIN!

Remember what you have set for your ATM PIN! If you can control everything through an app, like what I had for my Trust Bank card and YouTrip, then you could change it on the spot if you don’t remember what PIN you have set. But if you don’t have such a convenience, make sure to remember your PIN! No PIN = no cash!

Homework Before Your Overseas Trip

Doing homework before your trip is always good to find out which foreign ATMs you should use. Don’t be like us, wandering around the area and trying all the ATMs in Batam Grand Mall. Luckily, there were so many ATMs in the mall that I could not imagine travelling a distance to find another ATM that might not work. (´-ω-`)

Put Your Multicurrency Card in Your Travel Wallet!

This one is from my hubs—REMEMBER TO BRING YOUR CARD! Haha! He said he forgot to bring his Trust Bank card during one of our trips, so we went to a money changer instead. I guess I didn’t have my card then; otherwise, I could have withdrawn cash, too. Luckily, we were in a mall, so we could find a money changer easily. Phew!

ALWAYS Have Your Country’s Currency with You

And finally, if you have tried all your cards and none of the foreign ATMs work, your only solution is to find a money changer. So make sure you always have your country’s currency on standby! Also, don’t use all the local currency before looking for an ATM. Ensure you always have enough cash so you don’t have to face unwanted situations, like being unable to find ATMs or money changers. Preparing for contingencies will make sure you have a stress-free travel experience! ⸜(*ˊᗜˋ*)⸝


So there you have it, my friends! I have shared all the tips I have with you. With some preparation, you can now navigate all the foreign ATMs overseas and confidently withdraw your cash! Remember, even after so many attempts, hubs and I still made mistakes (like not doing our homework beforehand!). But if you follow my tips, you can avoid unnecessary stress and focus on exploring those fantastic countries! So go forth and conquer the world, one ATM at a time! Safe travels, and feel free to comment below if you have any questions. P.S. Ending off with a cat photo taken in Taiwan, hope you like it! (´ ε ` )♡

Support Me While Planning Your Next Adventure!

If you are a Singaporean and are interested in applying for a Trust Bank or YouTrip card for overseas ATM withdrawal after reading my post, consider using my affiliate code/link! It will not cost you anything extra, but it will make a difference for me and help support me. So, consider using the code or link if you’re planning your next adventure and want to show some love. Much love to you! ⸜(*ˊᗜˋ*)⸝

How to Sign Up for the Trust Bank card

Steps to signing up for your Trust Bank card

Sign up for the Trust Bank card using my referral code (GDQ5BVNT), and you will be rewarded with a S$10 FairPrice voucher for signing up!

Screenshots taken from the Trust Bank card app showing the FairPrice E-Voucher
Screenshot taken from my Trust Bank app
  1. Simply download the Trust Bank SG app on the App Store or Google Play Store.
  2. Tap on “Get started” immediately after you start the app.
  3. Key in my Trust Bank Referral Code: GDQ5BVNT

While it is not a must to use a referral code to sign up for the Trust Bank card, you will only get the S$10 FairPrice voucher if you use the referral code GDQ5BVNT during the sign-up process.

Did you see the S$25 FairPrice voucher? I applied for the Savings Account and made a minimum S$500 deposit to receive it! If you applied for a credit card, simply make your first card spend to get this S$25 FairPrice voucher. Don’t say I never share the good things with you! (‘ω `♡)

For more information about the Trust Bank card, you can check out its website and Facebook.

How to Sign Up for the YouTrip Card

Steps to signing up for your YouTrip card

Screenshots taken from the YouTrip app showing the referral award
Screenshot taken from my YouTrip app
  1. Clicking on my referral link will let you download the YouTrip app on the App Store or Google Play Store.
  2. Click on “Sign Up for free” immediately after you start the app.
  3. For SingPass users, you can sign up with MyInfo. Alternatively, prepare your NRIC to submit the necessary documents.
  4. After your submission, verification takes 1 – 2 working days. If you are using MyInfo, it should take a few minutes before your account is approved.
  5. After your account approval, it takes about 7 – 12 days for your physical YouTrip card to reach you.

To get the S$5 in your account, you would need to top-up any value into the card. After that is done, you will receive the S$5 in your account! ⸜(*ˊᗜˋ*)⸝

For more information about YouTrip, you can check out its website and Facebook.

Spread the Love!

Loved what you just read? Think your friends or family would enjoy it too? Hit your favourite share button below, and let’s make good vibes travel! Your support is greatly appreciated. Thanks a bunch for being awesome! (´• ω •`) ♡

Useful Travel Resources

Pack your wanderlust, and let’s set sail! I have prepared the following travel resources that you might find helpful to fuel your next adventure. This section will be ever-growing, and if you think there is anything that you want me to add to this list, drop me a message to let me know! ⸜( *ˊᵕˋ* )⸝

BEST Cards to Use for Your Overseas Spending
Want to enjoy seamless spending overseas without the pesky fees? Check out my post on the best cards to bring overseas—the Trust Bank and YouTrip cards!

Transform Your Travel with Lounge Access + Cards I Use to Get Free Visits!
Ready to ditch airport stress? Visit my post to discover the magic of lounge access and my go-to credit cards for complimentary lounge visits!

Tips on Packing for 10 – 20 Degrees Celsius Weather
Winter packing woes got you stressed? My guide will turn your “Gaaaah!” into a smooth vacay in 10 to 20 degrees Celsius weather!


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Alternatively, you can reach out through my contact form or email me! Looking forward to connecting with you lovely people! (´ ε ` )♡

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