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Convert USD to SGD
USD
SGD|Pricing observed Mid-market 1.2668Top-ranked estimateof 9 providers
Remitly
Rate 1.2611 · Fee $4.50
You send
$1,000
Estimated receipt
S$1,255
S$130 more than the lowest estimate · 0.45% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: For 1,000 USD to SGD, Remitly ranks first among 9 provider estimates, with an estimated payout of 1,255.43 SGD. The first-ranked estimate pays 128.87 SGD more than the lowest estimate in this comparison.
Latest pricing observation: . Payouts are estimated from collected fees and markups with a mid-market reference. Collection schedules vary by source. Quotes are collected by currency pair, so we cannot confirm that every provider serves the US specifically — check availability, funding method and delivery method with the provider before you commit. How we collect and rank quotes.
What is the cheapest way to send USD to SGD?
Sending $1,000 from USD to SGD. Ranked by estimated payout, with customer ratings used for closely matched results.
Source: SendMoneyCompare · Estimated payouts from collected pricing and mid-market rates
#ProviderRateFeeRecipient getsSend
Rate 1.2611·Fee $4.50·0.45% markup
Rate 1.2579·Fee $7.00·0.70% markup
Rate 1.2303·Fee $28.80·2.88% markup
Rate 1.2593·Fee $90.54·0.59% markup
Rate 1.2587·Fee $100.00·0.64% markup
Rate 1.2517·Fee $100.00·1.19% markup
Rate 1.2567·Fee Free·0.80% markup
Estimated payout difference: The first-ranked provider pays more than the lowest estimate by S$128.87 on a $1,000 transfer.
Some links on this page are affiliate links — we may earn a commission at no extra cost to you. Rankings come from live transfer data and are ordered by what your recipient receives. Whether a provider pays us plays no part in that order. Where payouts land within 0.1% of each other — less than rates typically move between our updates — the higher-rated provider is listed first. Editorial policy
Looking for the best USD to SGD exchange rate? Compare real-time rates, fees, and delivery times from 15+ money transfer providers to find the cheapest way to convert US Dollar to Singapore Dollar.
The USD/SGD exchange rate fluctuates throughout the day. Specialist money transfer providers typically offer rates 1–4% better than banks, which can mean significant savings on every transfer. Our comparison shows you the exact SGD amount you'll receive from each provider after all fees and exchange rate markups.
Which provider offers the best USD to SGD rate?
Remitly
4.6Exchange rate
1.2611
Fee
$4.50
Recipient gets
S$1,255.43
Speed
Minutes to 3-5 days
Also available · Digital-asset rails
Crypto & stablecoin routes for USD → SGD
For a tech-comfortable sender, stablecoin rails can beat every bank and app. These aren't one-tap services — each is a fiat on-ramp → blockchain → local cash-out. Here's the all-in cost and how each works.
OKXBeats mid-market
Coinbase → Stellar (USDC) → OKX (SGD) · ~5 seconds
1,269 SGD
0.16% rebate all-in
+
OKXBeats mid-market
Coinbase → Stellar (USDC) → OKX (SGD) · ~5 seconds
1,269 SGD
0.16% rebate all-in
- 1Coinbase USD→USDC: FREE
- 2Stellar network: 0.000001 USDC
- 3OKX (SGD): 0.02% spread
- 40 SGD withdrawal fee
Also routable via Stellar (USDC), Solana (USDC), Polygon (USDC), Avalanche (USDC).
Source: CCXT (okx)
Crypto rails involve exchange accounts, wallets, and price/liquidity risk. Costs are estimates from live exchange and network data, refreshed every 6 hours. Not financial advice.
Guides, fees & how it works
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the USD to SGD route.
Cheapest transfer
Remitly
Delivers the most SGD for your money
Fastest transfer
Remitly
Delivers in Minutes to 3-5 days
Cash pickup
Remitly
Widest cash pickup network
Bank transfer
Remitly
Best rate for bank deposit to SGD
Transfer examples: USD to SGD
See how much your recipient would get for common transfer amounts.
Send $500
ProviderFeeReceives
Remitly
1.26 · Minutes to 3-5 days
InstaReM
1.26 · 1-3 business days
Wise
1.25 · ~2 business days
Western Union
1.23 · 1 business day
OFX
1.23 · 1-3 business days
PayPal
1.21 · Instant to 3 days
ProviderFeeRateReceivesSpeed
Remitly$2.251.26S$628Minutes to 3-5 days
InstaReM$3.501.26S$6251-3 business days
Wise$5.261.25S$620~2 business days
Western Union$14.401.23S$5971 business day
OFX$15.441.23S$5951-3 business days
PayPal$23.101.21S$576Instant to 3 days
Send $1,000
ProviderFeeReceives
Remitly
1.26 · Minutes to 3-5 days
InstaReM
1.26 · 1-3 business days
Wise
1.25 · ~2 business days
Western Union
1.23 · 1 business day
OFX
1.23 · 1-3 business days
PayPal
1.21 · Instant to 3 days
ProviderFeeRateReceivesSpeed
Remitly$4.501.26S$1,255Minutes to 3-5 days
InstaReM$7.001.26S$1,2491-3 business days
Wise$10.501.25S$1,240~2 business days
Western Union$28.801.23S$1,1951 business day
OFX$30.901.23S$1,1901-3 business days
PayPal$46.201.21S$1,152Instant to 3 days
Send $5,000
ProviderFeeReceives
Remitly
1.26 · Minutes to 3-5 days
InstaReM
1.26 · 1-3 business days
Wise
1.25 · ~2 business days
XE Money Transfer
1.26 · 1-4 business days
CurrencyFair
1.26 · 1-2 business days
Currencies Direct
1.25 · 1-2 business days
ProviderFeeRateReceivesSpeed
Remitly$22.501.26S$6,277Minutes to 3-5 days
InstaReM$35.001.26S$6,2461-3 business days
Wise$52.501.25S$6,202~2 business days
XE Money Transfer$90.541.26S$6,1831-4 business days
CurrencyFair$102.291.26S$6,1651-2 business days
Currencies Direct$182.191.25S$6,0311-2 business days
How much does it cost to convert USD to SGD?
Fees for USD to SGD transfers vary by provider — from free to $5–10 with specialist services. Banks typically charge $25–50 per wire plus a 2–5% exchange rate markup. The bigger cost factor is usually the exchange rate markup, not the fee. Always compare the total SGD received.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically $0–$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (1.2668).
How long does a USD to SGD transfer take?
Delivery times for USD to SGD transfers range from minutes (with express options) to 3–5 business days for standard bank wires. Most specialist providers deliver within 1–2 business days.
Delivery times shown here are published by the providers and payment schemes. We do not measure when transfers actually arrive, so treat them as estimates and confirm the time with your provider before you send.
FastExpress delivery
- RemitlyMinutes to 3-5 days
- PayPalInstant to 3 days
Standard delivery
- InstaReM1-3 business days
- Wise~2 business days
- Western Union1 business day
- OFX1-3 business days
- XE Money Transfer1-4 business days
Frequently asked questions
Common questions about sending money from USD to SGD
What is the best USD to SGD exchange rate today?
Exchange rates change constantly. Use our comparison table above to see real-time USD to SGD rates from every provider. The mid-market rate is shown for reference — look for providers offering rates closest to it.
What is the cheapest way to convert USD to SGD?
Specialist transfer providers like Wise, Remitly, and OFX typically offer the best total value. Compare the total SGD received (after fees and rate markup) rather than just the fee or rate alone.
How long does a USD to SGD transfer take?
Transfer speeds vary by provider: some deliver within minutes, while standard bank wires take 2–5 business days. Express options are available from most specialist providers for a small additional fee.
Is it cheaper to use a bank or a specialist provider for USD to SGD?
Specialist providers are almost always cheaper. Banks typically charge $25–50 per transfer plus a 2–5% exchange rate markup. Specialist providers like Wise, Revolut, and Remitly charge $0–10 with markups under 1%, saving you significantly on every transfer.
More for this corridor
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How does your bank compare?
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