SGD to JPY today, and JPY to SGD

Few people get the mid-market rate: most banks, cards, apps and money changers give you a little less yen on each dollar and keep the difference. On S$1,000 changed today the gap runs from about ¥689 with Wise to ¥6,771 with PayPal. Every way, side by side

Your amount, every way to change

Put in how much you are changing, either way. Yen can be typed as 3万, 3man or 30k. At a money changer, add the rate on its board to see what it costs you against the mid-market rate, Wise and DBS.

Change

S$ to ¥ ¥ to S$

Amount

S$

How much you are changing. In yen you can type 3万, 3man, 30k or 1.5 million.

Rate on a money changer’s board (optional)

As the board shows it: yen for S$1 (e.g. 121.80), or S$ for ¥1,000 or ¥100. We read which it is.

Start from an example

A week in JapanS$1,000 to yenA family tripS$3,000 to yenA price tag¥10,000 in S$A 7-day JR Pass¥50,000 in S$Yen savings or pay¥1 million in S$

S$1,000.00 in yen

¥123,442 (12.34万) at the mid-market rate

S$1,000.00 in yen, each way to change, most first

Way	You get	Against mid-market
Mid-market rateThe mid-market rate: MAS’s rate at noon, 2 Nov, with no margin. The yardstick for the rest.	¥123,442	–
Card with no FX fee, in JapanYouTrip (its own mid-market rate) or Trust (Visa’s rate), no fee from either. About this much: we work it out at the mid-market rate.	About ¥123,442	No fee, at its own rate
Revolut (Standard plan), weekdayAt Revolut’s rate, free up to S$5,000 a month, then 1%; 1% more at weekends. About this much: we work it out at the mid-market rate.	About ¥123,442	No fee, at its own rate
WiseFee S$5.15, at Wise’s rate of ¥123.388 for S$1. Worked out from Wise’s own quotes at S$100 to S$5,000.	¥122,753	−¥689 (−0.56%)
DBS’s posted rateDBS’s telegraphic transfer rate for selling you yen, ¥122.06 for S$1, 5:00 pm, 2 Nov. DBS says logging in shows the actual rate for your transaction, and larger amounts may get better rates.	¥122,055	−¥1,386 (−1.12%)
Singapore bank card, in JapanPaying in yen: up to 3.25% on top of Visa’s or Mastercard’s rate (DBS and POSB’s fees). About this much: we work it out at the mid-market rate.	About ¥119,556	−¥3,886 (−3.15%)

Each ¥1 on the rate is ¥1,000 on this amount. At a money changer, type the rate on its board into the box above to see how it compares.

Rates and fees as each provider publishes them; rows marked “about” use the mid-market rate in place of the provider’s own rate, which we don’t read. Not a quote: the provider’s own screen at the time you change is what counts. How we work it out

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S$1,000 in Japanese yen today, each way

Wise’s and DBS’s rates and fees read today; HSBC, Western Union and others as Wise’s public price comparison collected them for sending S$1,000 to a Japanese bank account, at the times shown (a price collected earlier may have changed since; Wise is one of the providers compared). “About” rows apply the published fee to the mid-market rate, because the provider’s own rate isn’t published in a form we read. A money changer sets its own rate: type it into the converter to see where it falls. No one pays us to list any of these, and there are no affiliate links.

Every common amount

S$ to yen at the amounts people take on a trip, each way, worked out the same way as the converter.

Yen you get for each amount

In yen, rounded to the yen. Tap an amount to load it into the converter. Wise’s fee is a fixed part plus a share, so it costs a little more on small amounts; DBS’s posted rate and a bank card’s 3.25% are the same share at every amount.

Japanese prices in S$

What a price tag in Japan costs you in Singapore dollars today, at the mid-market rate and on a Singapore bank card.

At ¥123.44 for S$1 (MAS’s rate at noon, 2 Nov). “On a bank card” adds DBS and POSB’s fee of up to 3.25% to the mid-market rate; Visa’s and Mastercard’s own rates differ a little from it. 万 (man) is ten thousand: a price tag of 1.2万円 is ¥12,000. Tap a price to load it into the converter.

Prices fixed in yen, in S$ today

These are set in yen by the government, JR or the ATM’s owner, so what they cost in S$ moves with the rate.

Prices read from each publisher’s own page on 2 Nov 2026 and re-checked on our update schedule; the S$ column moves with the rate. JR Pass prices bought from an overseas JR-designated agency are higher (¥53,000 for the 7-day Ordinary pass).

Tax-free shopping in Japan: the refund method

Since 1 November 2026, you pay the tax in the shop and get it back after you leave. Japan’s National Tax Agency: “Tax-Free Shopping System will be shifted to the Refund Method (new tax-free shopping system) from November 1, 2026.” Under the new method, “Tax-free shops will sell tax-free goods to foreign tourists, etc. (eligible tax-free goods purchasers) at a price that includes consumption tax (taxation).”

1. In the shop: show your passport and pay the full price, tax included. The least you can buy tax-free: “the minimum purchase amount (JPY 5,000) will be determined without category (based on the price excluding consumption tax).” That is about S$40.51 at today’s rate.
2. At customs when you leave: “Eligible tax-free goods purchasers will need to receive confirmation at customs upon departure that they are carrying tax-free goods out of Japan within 90 days from the date of purchase” (the 90 days run from the day after you buy).
3. The refund: “Business operators managing tax-free shops will refund the amount equivalent to consumption tax to an eligible tax-free goods purchaser after this confirmation.”

Keep every item from one receipt together. “If you were not in possession of any of tax-free goods among the same purchase record information (one sales or receipt units) at the time of customs confirmation, you will not be able to receive confirmation for all tax-free goods included in that purchase record information.”

National Tax Agency, Tax-Free Shopping System will be shifted to the Refund Method (FY2025 Tax Reform), April 2025, read 2 Nov 2026. How each shop pays the refund back (to a card, or another way) and when is set by the shop: ask before you buy. This page doesn’t give tax advice.

Cash and cards in Japan

• Yen from an ATM in Japan. Seven Bank: “At over 28,000 ATMs at 7-Eleven stores all across Japan, you can withdraw Japanese Yen day or night.” “For cards issued overseas, the limit for each withdrawal is 100,000 yen. The limit for magnetic stripe card transactions is 30,000 yen.” “Fees for cards issued overseas vary by the card brand.” (Seven Bank, read 2 Nov 2026.) ¥100,000 is S$810.10 at today’s rate. Your own bank or card adds its overseas withdrawal fee on top; YouTrip’s terms, for one: Free overseas ATM withdrawals up to S$400 a calendar month, then 2% (YouTrip).
• Pay in yen, not S$. A shop, hotel or ATM in Japan may offer to charge your Singapore card in S$. That is Dynamic Currency Conversion: “The exchange rate is set by the merchant or its DCC provider”, in DBS and POSB’s words, and DBS and POSB still add 1% on a credit card and 2.8% on a debit card. Choosing yen leaves the rate to your card (DBS and POSB, read 31 Oct 2026).
• Card or cash. The table at the top shows what S$1,000 comes to each way: a card with no FX fee gets close to the mid-market rate, a Singapore bank card costs up to 3.25% more, and a money changer’s cost is in its board rate. Check a board rate

Is today’s SGD to JPY rate good?

It depends which way you are changing: a rate that is good for a trip to Japan is bad for changing yen into S$. Here is today’s rate against every working day of the past year, five years and ten years.

Changing S$ into yen (a trip to Japan): at ¥123.44 for S$1 (MAS’s rate at noon, 2 Nov), your Singapore dollars buy more yen than on 44% of days in the past year, 89% of days in the past five years and 94% in the past ten.

Changing yen into S$: it runs the other way. Your yen buy fewer S$ today than on 44% of days in the past year and 89% in the past five.

We don’t forecast exchange rates, and no one can say where this one goes next. What the past shows: over the past year S$1 bought between ¥117.29 and ¥126.81, a gap of ¥9,519 on S$1,000. If your trip is months away, changing part now and part later evens out the highs and lows; the rate alert can tell you when S$1 buys the most yen in a year. Yen for S$1 each working day, MAS’s noon rates.

Why the yen moved: Japan’s interventions and the Bank of Japan

Japan has stepped into the market 380 times since 1991. Japan’s Ministry of Finance lists every day it intervened since April 1991. On 42 of them it bought yen to hold the yen up, most recently on 6 May 2026; on the other 338 it sold yen to hold it down, the last time in November 2011.

Days and amounts from Japan’s Ministry of Finance (its CSV, read daily; amounts in yen, which the Ministry gives in units of ¥100 million). Yen for S$1: MAS’s noon rates on the working days around each one; “a week later” is five working days on. Interventions are against the US dollar; the S$ moves with it only in part. Worked out by Numbers.sg.

The Bank of Japan’s interest rate. On 30 October 2026: “The Bank will encourage the uncollateralized overnight call rate to remain at around 1.25 percent.” (Bank of Japan). It started 2026 at 0.75% and raised it twice: 1% on 16 Jun (statement) and 1.25% on 18 Sep (statement). Its next meeting is on 17 and 18 December 2026 (schedule).

JPY to SGD: Japanese yen to Singapore dollars

For yen pay or savings, a refund from Japan, or yen left over from a trip. The converter above works this way too: choose “¥ to S$”.

Sending ¥100,000 from Japan to Singapore

For yen pay, savings or a refund in a Japanese account: what arrives in a Singapore account, by provider. Japanese banks charge a fixed fee in yen, so on small amounts most of the cost is the fee.

From Wise’s public price comparison: Wise’s own quote, and the other providers’ prices as Wise collected them, at the times shown; a price collected earlier may have changed since. Wise is one of the providers compared. Listed by what arrives, most first.

Leftover yen after a trip

• Selling yen back. A money changer or bank buys yen at its own buying rate, which gives you fewer S$ than the mid-market rate. DBS’s posted rate for buying yen today is ¥124.78 for S$1, against ¥123.44 mid-market: ¥10,000 comes to S$80.14 instead of S$81.01. Put a changer’s “we buy” rate into the converter (choose “¥ to S$”) to compare.
• Keeping it for the next trip. Yen kept as notes earns nothing, and its worth in S$ moves with the rate: the chart shows how far that has gone, both ways.

S$ to ¥ and back: quick tables

At the mid-market rate of ¥123.4416 for S$1 (MAS’s rate at noon, 2 Nov). What you get from a bank, card or money changer is a little less: the converter shows how much.

SGD to JPY since 1988

Japanese yen for S$1, every working day since 1999 and each month from 1988. The chart opens on the past year.

MAS, noon, each working day SingStat, monthly average (MAS figures)

1 year5 years10 yearsSince 1988

Tap or hover on the chart to read a value.

116118120122124126128

Jan 2026AprJulOct

Year by year

Japanese yen for S$1: the average, fewest and most for each year (each working day where we have them, SingStat’s monthly averages before). A plus means S$1 bought more yen than the year before: the yen fell against the Singapore dollar.

The other 29 years, back to 1988

Year	Average	Fewest	Most	On the year before
2016	78.64	73.47	85.07	-10.7%
2015	88.06	83.40	92.41	+5.4%
2014	83.51	79.62	91.92	+7.0%
2013	78.01	71.21	82.93	+22.1%
2012	63.90	59.22	70.61	+0.7%
2011	63.45	58.24	67.72	-1.4%
2010	64.37	61.92	69.21	0.0%
2009	64.36	59.12	67.65	-12.2%
2008	73.30	60.72	79.14	-6.2%
2007	78.13	73.38	81.37	+6.7%
2006	73.23	69.58	77.60	+10.7%
2005	66.16	62.46	71.83	+3.4%
2004	63.99	62.22	66.37	-3.8%
2003	66.53	62.06	69.03	-4.9%
2002	69.93	66.80	73.42	+3.1%
2001	67.82	65.62	70.87	+8.4%
2000	62.58	60.43	66.26	-6.6%
1999	67.03	60.84	72.11	-14.0%
1998	77.97	69.04	84.91	-4.5%
1997	81.62	75.64	87.83	+5.8%
1996	77.13	73.58	82.15	+16.2%
1995	66.36	59.40	73.30	-0.8%
1994	66.90	64.31	70.58	-2.6%
1993	68.66	63.35	75.94	-11.6%
1992	77.70	74.96	81.17	-0.2%
1991	77.84	74.89	79.66	-2.6%
1990	79.96	73.10	84.80	+13.0%
1989	70.75	64.95	75.64	+11.1%
1988	63.68	61.79	66.89	–

MAS, Exchange Rates (S$ per 100 Japanese yen, as of noon); SingStat table M700051, Exchange Rates (Average For Period), from MAS’s figures (S$ per 100 yen, which we turn into yen per S$1). Every day: download the CSV.

The yen against the S$ over the years

The yen is within 5% of its weakest against the S$ in our records. S$1 bought the fewest yen, ¥58.24, on 4 October 2011, and the most, ¥126.81, on 27 July 2026. Today it buys ¥123.44: 2.12 times as many as at the low.

What it means for a trip. Ten years ago, on 2 November 2016, S$1 bought ¥74.67. A ¥30,000 hotel night cost S$401.79 then and S$243.03 today, at the mid-market rate and before any change in the hotel’s own price. The other way, yen savings of ¥1 million were worth S$13,393 then and S$8,101 today.

Worked out by Numbers.sg from SingStat’s monthly averages of MAS’s figures (from 1988) and the daily rates above. Past moves don’t say where the rate goes next.

The SGD to JPY rate on any date

For an expense claim, an invoice or a receipt from a trip: the rate for any working day since 1999.

Date

Any day from 8 January 1988. At a weekend or holiday we show the working day before.

Friday 31 October 2025

¥118.50 for S$1

¥1,000 was S$8.44. S$1,000 was ¥118,497; ¥100,000 was S$843.90.

MAS’s rate as of noon for the day. For every day in one file, download the CSV. An expense claim or tax return may ask for a particular rate (a bank’s, or an official one): check which.

What DBS charges to change yen

A bank posts two rates: one for selling you yen and one for buying them back. Both give you less than the mid-market rate. The gap is the bank’s margin.

On S$1,000, DBS’s rate gives ¥122,055, ¥1,386 fewer than at the mid-market rate. Changing S$1,000 into yen and straight back at DBS’s two rates would leave you with S$978.15: the gap between them is what a round trip costs.

From the data behind DBS’s foreign exchange rates page, with DBS’s own time on it (S$ for ¥100, which we turn into yen for S$1). DBS: “Log in now to retrieve actual rates for your transaction. Higher transaction amounts may qualify for even greater discounts.” The mid-market rate and DBS’s are set at different times, so part of the gap can be the market moving in between.

At a money changer

Each money changer sets its own yen rates and changes them through the day, so this page doesn’t list them. What you can do at the counter, at Raffles Place, Mustafa Centre or anywhere else: read the board, put its rate into the converter, and see in yen what it costs against the mid-market rate, Wise and DBS.

• Which number to read. Changing S$ for yen, the changer sells you yen: read its selling rate for JPY. Changing yen back, read its buying rate.
• How it’s written. Boards show yen for S$1 (a number like 121.80), or S$ for ¥1,000 (like 8.21) or for ¥100. The converter takes any of these.
• Compare on the same amount. A rate a little better on paper can come with a minimum amount or apply to large notes only: ask before you change.
• Licensed or not. Money-changers in Singapore are licensed by MAS under the Payment Services Act 2019. Check a changer’s name in MAS’s Financial Institutions Directory.

Why the rate moves

MAS steers the Singapore dollar against a basket of currencies, not against the yen alone. “MAS manages the Singapore dollar against a basket of currencies along a typically appreciating path or crawl within a policy band.” (MAS). In its October 2026 statement, MAS kept the rate of appreciation, width and centre of the S$NEER policy band unchanged (MAS, 14 October 2026).

The yen is set in its own market. Whatever moves the yen against the US dollar and the rest of the world moves SGD to JPY with it, so the rate can move when nothing has changed in Singapore. Two things this page tracks that have moved it: Japan’s own interventions and the Bank of Japan’s rate, both listed above.

Common mistakes

• “The rate on Google is what I’ll get.” A currency converter on a search page shows a market rate, much like the mid-market rate at the top of this page. Banks, apps and money changers don’t give that rate to customers; the table at the top shows what each way gives on S$1,000 today.
• “Pay in S$ to be safe.” When a shop or ATM in Japan offers to charge your card in S$, the rate is set by the shop’s provider, not your bank, and your bank may still charge its fee. Pay in yen.
• “Tax-free means I pay less at the till.” Not since 1 November 2026: you pay the tax in the shop and the shop refunds it after customs confirms you took the goods out of Japan. How it works.
• “SGD to JPY going up is bad.” A higher number means each Singapore dollar buys more yen: good for a trip to Japan, bad for changing yen into S$. Is today’s rate good? shows both.

From the providers’ own pages, the National Tax Agency’s, the Japan Tourism Agency’s and Seven Bank’s own pages and the rates above, linked in each section; the figures are this page’s, worked out from them.

More on this topic

Currency

• SGD to MYR today, and MYR to SGD
• USD to SGD today, and SGD to USD
• SGD to INR today, and INR to SGD
• SGD to CNY today, and CNY to SGD
• SGD to IDR today, and IDR to SGD
• EUR to SGD today, and SGD to EUR

Questions people ask

How we get these rates

• The main rate is MAS’s own figure for S$ per 100 Japanese yen, which MAS gives “as of noon” each working day (MAS, Exchange Rates), turned into yen per S$1. When MAS’s site can’t be read, as during its maintenance, the main rate is the European Central Bank’s: its euro reference rates for the yen and the S$ give yen per S$1 for the same day (ECB, each working day since January 1999). The page says which one it is showing. Both are read every hour from 9:15 am to 6:15 pm; at weekends and on holidays the rate stays at the last working day’s.
• Check: MAS’s and the ECB’s rates for the same day must agree within 1%, or the job flags it for a person to look at.
• Before the daily record: SingStat’s monthly averages of MAS’s figures (table M700051, from January 1988).
• DBS: its posted telegraphic transfer rates for yen, both ways, from the data behind DBS’s foreign exchange rates page, with DBS’s own effective time. DBS: “Log in now to retrieve actual rates for your transaction. Higher transaction amounts may qualify for even greater discounts.”
• Wise: Wise’s public price comparison (wise.com), read every hour from 9:15 am to 6:15 pm, every day, at S$100, 500, 1,000 and 5,000 and, the other way, ¥10,000, ¥50,000, ¥100,000 and ¥500,000. Wise’s fee there is a fixed part plus a share of the amount; we fit both to Wise’s four quotes to work out the fee on any amount. Other providers’ prices are as Wise collected them, with Wise’s times, for S$1,000 and ¥100,000 only.
• Cards: DBS and POSB’s published fees (3.25%, DBS and POSB); YouTrip’s (YouTrip) and Trust’s (Trust) own pages; Revolut Singapore, Personal Fees (Standard), version 0.8.1. Card rows use the mid-market rate in place of Visa’s or Mastercard’s own rate, which we don’t read, so they say “about”.
• Japan’s interventions: Japan’s Ministry of Finance, its CSV of every intervention since April 1991, read once a day.
• Rules and prices quoted (the National Tax Agency on tax-free shopping, the Japan Tourism Agency on the departure tax, JR Pass prices, Seven Bank on its ATMs, the Bank of Japan’s statements) are word for word from each one’s own page or PDF, read 2 Nov 2026, and re-read on our update schedule.
• A new rate is refused if it is outside 40 to 250 yen for S$1, or if the main rate moves more than 6% from our last read within four days; the page then keeps the last good read and says when it was.
• Numbers.sg is not connected to any bank, card, app or money changer named here; no one pays us, and this page has no affiliate links. It is not advice on when or how to change money. The converter runs in your browser; nothing you type is sent anywhere. See our disclaimer, how we get our numbers and corrections.

Changes to this page

1. 2 Nov 2026

   New: SGD to JPY and JPY to SGD. Today’s yen rate; what S$1,000 comes to in yen by card, app, bank or transfer against the mid-market rate; a converter that reads yen typed as 3万, 3man or 30k and a money changer’s board rate however it is written; Japanese prices and the JR Pass in S$; Japan’s new tax-free refund method in the National Tax Agency’s words; whether today’s rate is good against the past year, five and ten years; every day Japan stepped in to hold the yen up and what the rate did next; the rate on any date since 1999; and every month back to 1988. Email alerts when the yen rate moves. See today’s rate