SGD converter and entered-rate worksheet
Reference cross-rates dated 3 September 2026. Enter terms from a separate source to see the arithmetic effect of rate and fees.
Dated reference comparison ready.
Reference conversion = amount × target-rate/source-rate. Entered outcome = (amount − source fee) × entered rate − receiving fee. Full precision is used before display rounding.
This guide does not cover leveraged foreign-exchange trading, rolling-spot forex, contracts for difference, signals or investment products. It does not exchange or transmit money or obtain an executable quote.
A useful way through this page
- Choose the exact currency direction and amount.
- Enter the rate and every fee from the quote in front of you.
- Compare the final amount received, then check timing and cancellation terms.
SGD reference rates on 3 September 2026
The cross-rates below are calculated from the ECB’s euro reference rates for the date shown. They are information-only and are not executable quotes.
| Conversion | Reference amount |
|---|---|
| 1 USD to SGD | S$1.26776 |
| 1 SGD to USD | US$0.78879 |
| 1 SGD to MYR | RM3.18791 |
| 1 SGD to INR | ₹74.53311 |
| 1 SGD to PHP | ₱49.30730 |
| 1 SGD to EUR | €0.67912 |
| 1 SGD to GBP | £0.58441 |
| 1 SGD to AUD | A$1.09657 |
| 1 SGD to JPY | ¥123.06282 |
How to read a currency pair
If SGD/MYR is 3.18791, one Singapore dollar corresponds to 3.18791 Malaysian ringgit at the reference. The inverse MYR/SGD is about 0.31368. Before deciding one quote is better, confirm both providers show the pair in the same direction.
A money changer’s “buy” and “sell” columns are usually from the dealer’s perspective. When you buy ringgit for a trip, the dealer sells MYR. When you hand over ringgit and receive SGD, the dealer buys MYR.
Compare the amount received, not the advertised rate
At the sample inputs, the S$1,000 reference conversion is RM3,187.91. A provider rate of 3.1500 with a S$5 sending fee produces RM3,134.25. The RM53.66 gap is about 1.68% of the reference result. This combines the rate difference and disclosed fee in one comparable number.
The same method works for remittances. Include a sending fee and any known receiving deduction, then compare the amount reaching the recipient. Also check delivery time, cancellation rules and whether a quote is guaranteed or merely indicative.
Cash, card or transfer?
| Method | Check before using it | Common hidden difference |
|---|---|---|
| Cash | Both dealer columns, note condition and final count | Handling and inventory spread |
| Card in local currency | Issuer fee and network processing date | Posted rate can differ from transaction-time screen |
| Dynamic currency conversion | The displayed SGD total versus issuer treatment | Merchant or ATM sets the conversion |
| Transfer | Final “recipient gets”, timing and receiving fees | “Zero fee” can still contain a rate margin |
Neither “pay in SGD” nor “pay in local currency” is automatically cheaper without seeing both complete outcomes.
Why SGD is not managed against USD alone
Singapore’s monetary policy is centred on the Singapore dollar nominal effective exchange rate, or S$NEER. It is a trade-weighted basket, not a peg to one currency. MAS manages it within a policy band; exact currencies, weights and band are not disclosed.
USD/SGD can therefore move even while the broader trade-weighted Singapore dollar remains consistent with the policy stance. A change in one pair may reflect the other currency as much as Singapore.
USD/SGD in historical context
| Period | Average SGD per USD | Basis |
|---|---|---|
| 2021 | 1.3438 | Federal Reserve annual average |
| 2022 | 1.3787 | Annual average |
| 2023 | 1.3428 | Annual average |
| 2024 | 1.3363 | Annual average |
| 2025 | 1.3065 | Annual average |
| 3 Sep 2026 | 1.26776 | Single ECB-derived daily reference |
A lower SGD-per-USD figure means fewer Singapore dollars are required for one US dollar. The daily 2026 snapshot is not directly comparable with a full-year average and predicts nothing.
How this page is maintained
ECB expresses each published currency as units per euro. EUR is set to 1 and a cross-rate is target units divided by source units. The ECB normally determines reference rates around 14:10 CET and publishes them around 16:00 CET on TARGET operating days; it describes them as information-only and discourages transaction use. The source date remains visible on weekends and holidays rather than presenting an old working-day rate as new.
MAS publishes a separate exchange-rate table based on average buying and selling interbank rates quoted around midday in Singapore; it can differ from both ECB and dealer quotes. We link to it without scraping restricted underlying data. This page ranks no provider, takes no paid placement and earns no currency transaction commission.
Primary sources
- ECB — Current euro foreign-exchange reference rates
- ECB — Daily reference-rate XML feed
- ECB — Historical reference-rate XML feed
- ECB — Foreign-exchange reference-rate framework (PDF)
- MAS — Exchange-rate statistics
- MAS — Singapore monetary-policy framework
- Federal Reserve — Annual foreign-exchange rates
- MAS — Financial Institutions Directory
Last fact-checked: 3 September 2026. Rules, fees and official pages can change; check the linked source before acting.