USD to SGD Exchange Rate & Bank Wire Fee Comparison (2026)
Convert US Dollar (USD) to Singapore Dollar (SGD). The live interbank midpoint rate is 1 USD = 1.3210 SGD. Compare hidden currency conversion spreads across major international wire systems.
USD to SGD Real-Time Calculator
USD to SGD Historical Exchange Rates
Official central bank reference rates across 30-day, quarterly, and annual lookbacks.
| Period | Interbank Midpoint | Yield on $1,000 | Trend / Variance |
|---|---|---|---|
| Today (Interbank Midpoint) | 1 USD = 1.3210 SGD | S$1,321.00 | Current Live Rate |
| 30 Days Ago | 1 USD = 1.3157 SGD | S$1,315.72 | +0.4% (Higher) |
| 90 Days Ago (Quarterly) | 1 USD = 1.3369 SGD | S$1,336.85 | -1.2% (Lower) |
| 180 Days Ago (Half-Year) | 1 USD = 1.2933 SGD | S$1,293.26 | +2.1% (Higher) |
| 1 Year Ago (52W Midpoint) | 1 USD = 1.3210 SGD | S$1,321.00 | +0.0% vs Annual Baseline |
USD to SGD Delivery & Settlement Windows
Estimated delivery windows based on standard clearing rails and banking cut-off schedules.
Local Automated Clearing
Transfers settling through local domestic rails (PayNow / FAST / GIRO) typically clear within hours during standard operating windows.
Correspondent Banking
Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.
Cut-off & Holiday Factors
Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.
Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (PayNow / FAST / GIRO). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.
Required Details to Wire USD to SGD
Make sure you have these exact payment credentials before initiating your transfer.
Beneficiary Full Name
Exact match as registered on recipient bank account.
PayNow / FAST / GIRO
IBAN, Account Number, or local domestic routing code.
SWIFT / BIC Code
8 or 11 character identifier of the recipient's bank branch.
Payment Reference
Invoice number or descriptive reference for AML compliance.
USD vs SGD: Central Bank Policy & Inflation Matrix
Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.
US Dollar (USD)
Federal Reserve (Fed)
5.0%
Benchmark rate2.8%
Consumer pricesSingapore Dollar (SGD)
Monetary Authority of Singapore (MAS)
3.5%
Benchmark rate2.7%
Consumer pricesMacroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (Federal Reserve (Fed), Monetary Authority of Singapore (MAS)) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.
52-Week Exchange Rate Position
Compare Wire Transfer Costs: USD to SGD
Estimates based on standard retail bank margins vs direct interbank rail settling.
Direct Midpoint Rail
0.0% Rate Markup (Interbank)
S$1,321.00
Maximum Yield
Commercial Banks
~3.2% Hidden FX Margin
S$872.53
-Lost to Hidden Margin
Global Wallets
3.5% Currency Spread
S$887.41
Closed loop balance
Cash Remittance
Retail Spread + Cash Fee
S$896.12
Physical cash pickup
USD to SGD Fast Conversion Matrix
Direct interbank rate values compared against typical commercial bank payouts.
🇺🇸 USD to 🇸🇬 SGD
1 USD = 1.3210 SGD| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| $1 USD | S$1.32 SGD | S$0.00 | -S$25.62 |
| $5 USD | S$6.60 SGD | S$0.00 | -S$25.79 |
| $10 USD | S$13.21 SGD | S$0.00 | -S$26.00 |
| $25 USD | S$33.02 SGD | S$6.39 | -S$26.63 |
| $50 USD | S$66.05 SGD | S$38.36 | -S$27.69 |
| $100 USD | S$132.10 SGD | S$102.30 | -S$29.80 |
| $250 USD | S$330.25 SGD | S$294.11 | -S$36.14 |
| $500 USD | S$660.50 SGD | S$613.79 | -S$46.71 |
| $1,000 USD | S$1,321.00 SGD | S$1,253.15 | -S$67.85 |
| $5,000 USD | S$6,605.00 SGD | S$6,368.07 | -S$236.93 |
| $10,000 USD | S$13,210.00 SGD | S$12,761.71 | -S$448.29 |
🇸🇬 SGD to 🇺🇸 USD (Reverse)
1 SGD = 0.7570 USD| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| S$1 SGD | $0.76 USD | $0.00 | -$14.68 |
| S$5 SGD | $3.79 USD | $0.00 | -$14.78 |
| S$10 SGD | $7.57 USD | $0.00 | -$14.90 |
| S$25 SGD | $18.93 USD | $3.66 | -$15.26 |
| S$50 SGD | $37.85 USD | $21.98 | -$15.87 |
| S$100 SGD | $75.70 USD | $58.62 | -$17.08 |
| S$250 SGD | $189.25 USD | $168.54 | -$20.71 |
| S$500 SGD | $378.50 USD | $351.73 | -$26.77 |
| S$1,000 SGD | $757.00 USD | $718.12 | -$38.88 |
| S$5,000 SGD | $3,785.01 USD | $3,649.23 | -$135.78 |
| S$10,000 SGD | $7,570.02 USD | $7,313.12 | -$256.90 |
1.3210
1 USD = S$1.3210
0.7570
1 SGD = $0.7570
1.2682 - 1.3738
Annual volatility band
PayNow / FAST / GIRO
Clearing rail for SGD
Frequently Asked Questions (USD to SGD)
Q: What is the current exchange rate for USD to SGD?
As of 2026, the real mid-market interbank rate is 1 USD = 1.321 SGD. This is the true benchmark rate with zero hidden bank markup.
Q: How much does a bank charge to send USD to SGD?
Most traditional high-street banks charge a front-end wire fee of around $25 plus a 2.5% to 4% hidden exchange rate markup. On a $1,000 transfer, you typically lose around S$68.30 compared to specialized neobanks like Wise.
Q: What bank codes are needed to send SGD to Singapore?
To receive SGD in Singapore, the recipient typically needs to provide their PayNow / FAST / GIRO.
Q: How fast does an international transfer take between USD and SGD?
Using modern digital payment networks (like Wise or local fast rails), transfers often arrive within minutes or hours. Traditional SWIFT bank wires take 2 to 4 business days.