1. Payment Declined by Your Bank
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Insufficient Funds:
Ensure you have sufficient funds in your bank account to cover the top up amount. -
Expiration of Linkage:
If the linkage has expired, try unlinking and then relinking your bank account. -
Exceeded Limits:
Check if you have exceeded the daily regulatory limit of SGD 5,000 or your personal payment limit, whichever is lower. -
Other Declined Reasons:
Contact your bank, inform them about the payment attempt with YouTrip, and confirm that they recognise us as a trusted recipient. This should help resolve issues with future attempts.
2. Payment Declined by Our System
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Exceeded Annual Transaction Limit:
If you have exceeded the annual transaction limit of SGD 100,000.00 (or equivalent in other currencies) -
Exceeded Wallet Limit:
If you have reached the wallet limit of SGD 20,000.00 (or equivalent in other currencies)
Why is there a limit?
As regulated by the Monetary Authority of Singapore (MAS), the maximum limit your YouTrip wallet can hold at any point in time is SGD 20,000.00 – regardless of the currencies, this value is held in.
YouTrip is a Major Payment Institution regulated by the MAS. Thus, there’s a limit to how much you can hold, withdraw, and spend with local e-wallets. The annual spending limit is consistent across all e-wallets like YouTrip, GrabPay, and others in Singapore.
How long does it take for a top up to be processed?
Typically, top-ups are processed immediately. However, in some cases, there may be a delay in our system, and your transaction may be held in a "Pending" state, which should be completed within a few hours.
Why is my top up still reflected as "Pending" or not showing in the app?
You can refer to this FAQ to find out more on "Pending" top ups.