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Currency · MAS, SuperRich and the Fed

SGD to THB today, and THB to SGD

What S$1 buys in Thai baht, what your amount comes to by card, app, ATM or money changer, Singapore or Bangkok, Thailand’s rules for visitors, and every day since 1981.

S$1 in Thai baht

฿26.34

S$100
฿2,634
S$1,000
฿26,337

The mid-market rate: MAS’s rate at noon, 3 Nov. From MAS’s own exchange rate figures.

Your amount, every way to change

฿1,000 in Singapore dollars

S$37.97

฿100
S$3.80
฿10,000
S$379.69

The same rate the other way: ฿1 is S$0.0380. A Singapore money changer’s board writes it per ฿100: 3.7969.

Baht to S$

Against the past 10 years

91% of days, fewer baht

S$1 bought fewer baht than today on 91% of working days in the past ten years, and on 97% in the past year: a strong S$ by the past ten years, strong for this year too. Past year: ฿24.17 (26 Dec 2025) to ฿26.45 (2 Nov 2026).

Is today’s rate good?

Few people get the mid-market rate: most banks, cards, apps and money changers give you a little less baht on each dollar, or fewer dollars for your baht, and keep the difference. On S$1,000 changed today the gap runs from about ฿87 with SuperRich Bangkok (S$ notes) to ฿1,305 with PayPal. Every way, side by side · Change here or in Bangkok?

Your amount, every way to change

Put in how much you are changing, either way. Baht can be typed as Thai price tags show them, like 1,500.- or ฿1.5k. At a money changer, add the rate on its board to see what it costs you against the mid-market rate, Wise and SuperRich in Bangkok.

Change

How much you are changing. In baht you can type a price as Thai shops write it, like 1,500.- or ฿1.5k.

As the board shows it: S$ for ฿100 (Singapore boards, e.g. 3.83), or baht for S$1 (Bangkok boards, e.g. 26.10). We read which it is.

Start from an example

S$1,500.00 in baht

฿39,506 at the mid-market rate

S$1,500.00 in baht, each way to change, most first
WayYou getAgainst mid-market
Mid-market rateThe mid-market rate: MAS’s rate at noon, 3 Nov, with no margin. The yardstick for the rest.฿39,506–
Card with no FX fee, in ThailandYouTrip (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 ฿39,506No fee, at its own rate
Revolut (Standard plan), weekdayAt Revolut’s rate, free up to S$5,000 a month, then 1%; 1% more at weekends. About this much: we work it out at the mid-market rate.About ฿39,506No fee, at its own rate
SuperRich Bangkok (S$ notes)S$100 and S$50 notes, at ฿26.25 for S$1, read 11:20 am, 4 Nov. Smaller notes get less.฿39,375−฿131 (−0.33%)
WiseFee S$9.79, at Wise’s rate of ฿26.35 for S$1. Worked out from Wise’s own quotes at S$100 to S$5,000.฿39,269−฿237 (−0.60%)
Thai ATM, card with no FX feeOne withdrawal, less the Thai bank’s fee of ฿250 (the ATM shows its own fee before you confirm; each further withdrawal costs it again). About this much: we work it out at the mid-market rate.About ฿39,256−฿250 (−0.63%)
DBS, bank transferDBS’s posted rate for selling baht, ฿25.94 for S$1, 11:15 am, 4 Nov. DBS may charge a transfer fee on top.฿38,906−฿600 (−1.52%)
Singapore bank card, in ThailandPaying in baht: 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 ฿38,262−฿1,244 (−3.15%)

Each ฿0.10 on the rate is ฿150 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 Thai baht today, each way

What S$1,000 comes to in baht, each way to change or spend it, most first
WayYou getLess than mid-marketHow
Mid-market rateNobody: the yardstick฿26,337–Not a price you can get
Card with no FX fee, in ThailandPaying by card in ThailandAbout ฿26,337No fee, at its own rateCard or app; YouTrip needs a top-up first
Revolut (Standard plan), weekdayPaying by card, or an exchange in the appAbout ฿26,337No fee, at its own rateApp; the limit is per calendar month
SuperRich Bangkok (S$ notes)S$ notes changed for baht in Bangkok฿26,250฿87Cash, at the counter
WiseBaht sent to an account in Thailand, or held in Wise฿26,159฿178An app
InstaremSent to an account in Thailand฿26,130฿207Fee S$8.20, as Wise collected it at 10:44 am, 4 Nov
Thai ATM, card with no FX feeBaht from a Thai ATMAbout ฿26,087฿250A no-FX-fee card; the Thai bank’s fee is per withdrawal
DBS, bank transferBaht sent from a DBS account฿25,938฿399Bank transfer; any DBS fee is extra
Western UnionSent to an account in Thailand฿25,807฿530Fee S$3.00, as Wise collected it at 11:14 am, 4 Nov
Singapore bank card, in ThailandPaying by card in ThailandAbout ฿25,508฿829Any Singapore Visa or Mastercard
HSBC SingaporeSent to an account in Thailand฿25,482฿855Fee S$25.00, as Wise collected it at 9:24 am, 3 Nov
OFXSent to an account in Thailand฿25,427฿910Fee S$15.00, as Wise collected it at 10:40 am, 4 Nov
PayPalSent to an account in Thailand฿25,032฿1,305Fee S$6.38, as Wise collected it at 10:40 am, 4 Nov

Wise’s rate and fee, DBS’s posted rate and SuperRich Thailand’s note rates read today; the other providers as Wise’s public price comparison collected them for sending S$1,000 to an account in Thailand, 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. Rates read today can come out a little above the mid-market rate, which is MAS’s rate at noon, 3 Nov, when the baht has moved since. A Singapore 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.

Change in Singapore or in Bangkok?

The question behind most baht searches. What a Bangkok money changer pays for your Singapore dollars today, note by note, what a Thai ATM costs, and when each way wins.

Bring big notes. SuperRich Thailand, a Bangkok money changer Singaporeans know by name, pays more for S$100 and S$50 notes than for small ones. Today it pays ฿26.25 for S$1 in S$100 notes and ฿26.05 in S$2 notes: ฿200 less on S$1,000.

SuperRich Thailand’s rates for Singapore dollar notes, by note size, today
NotesSuperRich pays, for S$1S$1,000 in these notesAgainst mid-market
S$100 and S$50฿26.25฿26,250−฿87 (−0.33%)
S$20 to S$5฿26.15฿26,150−฿187 (−0.71%)
S$2฿26.05฿26,050−฿287 (−1.09%)

SuperRich Thailand’s buying rates for S$ notes at its head office, Ratchadamri, Bangkok, as its own site posts them, read 11:20 am, 4 Nov. Its other branches and other Bangkok changers set their own. Its rate for S$1,000 notes is left out: it sits far above the mid-market rate and we don’t know why. Against the mid-market rate of ฿26.34 (MAS’s rate at noon, 3 Nov).

Thai ATMs: the fee is per withdrawal

Thai banks charge a flat fee on each withdrawal with a foreign card, shown on the ATM screen before you confirm. It is set by each bank and changes; type the fee the screen shows. A ฿250 fee is S$9.49 at today’s rate, whatever you take out, so it costs least on a big withdrawal. With a card that charges no foreign exchange fee, that fee is most of what an ATM costs you.

A ฿250 Thai ATM fee as a share of each withdrawal
WithdrawalFee as a shareWithdrawal in S$
฿2,00012.5%S$75.94
฿5,0005.0%S$189.85
฿10,0002.5%S$379.69
฿20,0001.3%S$759.38

At an example fee of ฿250. Your own card may add its fee on top; the trip card lets you change both. When the ATM offers to charge you in S$, say no: see paying in baht.

So: change here, there, or not at all?

  • Cash for the first day is cheapest from a Singapore money changer that quotes close to the mid-market rate, or as S$100 notes changed at a Bangkok changer. Type a Singapore board’s rate into the converter to see its gap in baht.
  • Airport booths in Thailand are Thai banks’ counters: we can’t read their rates automatically, so check the board against the mid-market rate above before you change much.
  • Day to day, a card with no foreign exchange fee, paying in baht, costs about the mid-market rate. A Singapore bank card adds up to 3.25%.
  • More cash later: one big ATM withdrawal, not many small ones, or another round of S$ notes at a changer.

Your trip in S$: cash, card or ATM

How many days, and roughly what you will spend a day in baht. The card shows what that costs in Singapore dollars each way to pay, cheapest first. Change the ATM fee and the number of withdrawals under “ATM fee and withdrawals”.

Food, transport, shopping and the rest, for everyone you are paying for.

Start from an example
ATM fee and withdrawals

The ATM shows its fee before you confirm.

7 days at ฿4,000 a day: ฿28,000

S$1,063.13 at the mid-market rate

What the trip’s baht costs in S$, each way to pay, cheapest first
Way to payCosts youMore than mid-market
At the mid-market rateThe yardstick: nobody gets quite this.S$1,063.13–
All on a card with no FX feeYouTrip or Trust, paying in baht. About this much.About S$1,063.13No fee, at its own rate
Cash: S$100 notes at SuperRichAt ฿26.25 for S$1, read 11:20 am, 4 Nov.S$1,066.67+S$3.54
Cash from a Thai ATM, 2 withdrawalsA no-FX-fee card, plus ฿250 a time in Thai bank fees (฿500 in all). About this much.About S$1,082.12+S$18.99
All on a Singapore bank cardUp to 3.25% on top. About this much.About S$1,097.68+S$34.55

Your own spending a day: the examples are only starting points. Most trips mix these: cash for the first day and small shops, a card for the rest. Flights and hotels paid before you go aren’t in it.

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Going to Thailand: TDAC, visa, cash and VAT refunds

  • The arrival card (TDAC) first. Thailand’s Immigration Bureau: “All passengers must complete the Thailand Digital Arrival Card.” and “Foreigners are required to submit their arrival card information 3 days in advance of their arrival date in Thailand.” Fill it in only on the official site, tdac.immigration.go.th, which says it charges no fee. Other sites that charge for it are not the government’s.
  • 30 days without a visa, down from 60. From 15 September 2026, Singapore passports get visa exemption for tourism “with a permitted stay of up to 30 days”, in the words of the Tourism Authority of Thailand (TAT News). “The related Ministry of Interior announcements were published in the Royal Gazette on 31 August 2026.” If you are going for longer, or not as a tourist, check with the Royal Thai Embassy in Singapore before you go.
  • Pay in baht, not S$. A shop, hotel or ATM may offer to charge your Singapore card in S$. 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 (DBS and POSB).
  • Carrying cash. The Royal Thai Embassy in Singapore: “Any person who brings or takes an aggregate amount of foreign currency exceeding USD20,000 or its equivalent out of or into Thailand shall declare such amount of foreign currency to a Customs Officer.” And: “For Thai currency (Baht), any person can bring total amount not exceed THB500,000 to any Thailand’s bounded countries and not exceed THB50,000 to any destination countries.” (Royal Thai Embassy). ฿50,000 is about S$1,898. Some Thai sources give a lower figure, US$15,000, for foreign currency: if you carry that much or more, declaring it costs nothing. Leaving Singapore: “If you move physical currency and bearer negotiable instruments (or CBNI) exceeding SGD 20,000 (the prescribed amount) or its equivalent in a foreign currency into or out of Singapore, you are required to make a Cash Movement Report.” (Singapore Police Force).
  • VAT refund when you leave. Thailand’s VAT is 7%. Its Revenue Department says goods “must be purchased from each supplier at the amount of at least 2,000 baht per day.” and “VAT refund only applies to goods taken out of Thailand with the traveller within 60 days from the date of purchase.” (Revenue Department). ฿2,000 is about S$75.94 today. Ask the shop for the refund form (P.P.10) when you pay.
  • The ฿300 entry fee isn’t in force. Thailand’s government has proposed one for visitors several times; as of 4 Nov 2026 it has no start date, and no one collects it. A site that asks you to pay it now is not the government’s.

Each quoted word for word from the page linked, read 4 Nov 2026, and re-checked on our update schedule. This page doesn’t give visa, customs or tax advice.

Sending money to Thailand: PayNow to PromptPay

PayNow to PromptPay links Singapore’s and Thailand’s instant payment systems. The Bank of Thailand and MAS, at its launch on 29 April 2021: you can send “up to S$1,000 or THB25,000 daily”, “using just a mobile number” (BOT and MAS). DBS: “Instant transfers at S$0 fees via DBS digibank mobile app.” with “a minimum transaction amount of SGD10” (DBS). Banks taking part in Singapore: DBS and POSB, OCBC and UOB. In Thailand: Bangkok Bank, Krungsri (Bank of Ayudhya), Kasikornbank, Krung Thai Bank and Siam Commercial Bank.

  • The rate is your bank’s. A transfer with no fee still has a rate: your bank app shows the baht that will arrive before you confirm. Compare it with S$1,000 at the mid-market rate, ฿26,337.
  • More than S$1,000 a day: Wise sends S$1,000 as ฿26,159 today, after its fee, to a Thai bank account; there is no S$1,000 cap.
  • A DBS bank transfer at DBS’s posted rate gives ฿25,938 for S$1,000 before any fee.
  • The recipient needs a mobile number registered with PromptPay; a wrong number sends the money to someone else, so check the name your app shows.

Quoted from the pages linked, read 4 Nov 2026. The daily limit may differ by bank; your bank app shows its own.

Is today’s SGD to THB rate good?

It depends which way you are changing: a rate that is good for a trip to Thailand is bad for changing baht into S$. Here is today’s rate against every working day of the past year, five years, ten years and since 1981.

Changing S$ into baht (a trip to Thailand, or money sent there): at ฿26.34 for S$1 (MAS’s rate at noon, 3 Nov), your Singapore dollars buy more baht than on 97% of days in the past year, 82% of days in the past five years and 91% in the past ten.

Changing baht into S$: it runs the other way. Your baht buy more S$ today than on 3% of days in the past year and 18% in the past five.

Today’s rate, baht for S$1, against the past year, five years, ten years and the whole daily record
OverAverageFewestMostDays S$1 bought fewer
The past year25.3724.1726 Dec 202526.452 Nov 202697%
The past 5 years25.6523.8921 Feb 202227.3025 Apr 202482%
The past 10 years24.6121.959 Oct 201927.3025 Apr 202491%
Since 198120.539.426 Jul 198131.3629 Jan 199897%

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 ฿24.17 and ฿26.45, a gap of ฿2,282 on S$1,000. Changing part now and part later evens out the highs and lows; the rate alert can tell you when S$1 buys the most baht in a year. Baht for S$1 each working day, MAS’s noon rates (the Fed’s, crossed, before 2003).

Email me when the baht rate moves

One email when S$1 buys more baht than on any day in the past year, or when the rate has moved 1% or more since our last email, at most once a week, with what S$1,000 gets each way. Nothing in between.

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THB to SGD: Thai baht to Singapore dollars

For baht left over from a trip, money from family in Thailand, or a price you want in S$. The converter above works this way too: choose “฿ to S$”.

  • Selling baht back in Singapore. A money changer buys baht at its own buying rate, which gives you fewer S$ than the mid-market rate. Put its “we buy” rate into the converter (choose “฿ to S$”) to see what it costs you. At the mid-market rate, ฿5,000 is S$189.85.
  • Or before you fly home. SuperRich in Bangkok sells S$100 notes at ฿26.40 for S$1 today, so ฿5,000 buys S$189.39.
  • Baht paid into a DBS account converts at DBS’s buying rate, ฿26.76 for S$1: ฿5,000 comes to S$186.82.
  • Keeping it for the next trip. Baht kept as notes earn nothing, and their worth in S$ moves with the rate: the chart shows how far that has gone. Coins are hard to sell anywhere: spend them before you leave.
  • Wise doesn’t offer baht to S$, so it isn’t in this direction’s list.

Thai prices in S$

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

Thai prices in Singapore dollars, from ฿20 to ฿100,000
Price in bahtS$ at mid-marketOn a bank card (about)
S$0.76S$0.78
S$1.90S$1.96
S$3.80S$3.92
S$7.59S$7.84
S$18.98S$19.60
S$37.97S$39.20
S$75.94S$78.41
S$189.85S$196.01
S$379.69S$392.03
S$1,898.45S$1,960.15
S$3,796.90S$3,920.30

At ฿26.34 for S$1 (MAS’s rate at noon, 3 Nov). “On a bank card” adds DBS and POSB’s fee of up to 3.25% to the mid-market rate. Tap a price to load it into the converter. Thai price tags often end in “.-”, as in 1,500.-: that is ฿1,500.

Thailand’s set amounts, in S$ today

These are set in baht, so what they come to in S$ moves with the rate.

Amounts set in baht, in Singapore dollars today
WhatSet atS$ today
Smallest VAT refund shopping, per shop per dayRevenue Department฿2,000S$75.94
PayNow to PromptPay, most a dayOr S$1,000. BOT and MAS฿25,000S$949.23
Baht you can take out of Thailand฿500,000 to a neighbouring country. Royal Thai Embassy฿50,000S$1,898
Proposed entry fee (not in force)No start date set฿300S$11.39

Each from the page linked, read 4 Nov 2026 and re-checked on our update schedule. In S$ at the mid-market rate.

Every common amount

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

Baht you get for each amount

S$ to Thai baht for common amounts, each way to change, in baht
S$Mid-marketWiseSuperRich, S$100sBank card (about)
1,3171,2501,3131,275
2,6342,5612,6252,551
5,2675,1825,2505,102
13,16913,04813,12512,754
26,33726,15926,25025,508
52,67552,37852,50051,017
131,686131,038131,250127,541
263,373262,138262,500255,083

In baht. 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; a bank card’s 3.25% and SuperRich’s rate are the same share at every amount.

S$ to baht and back: quick tables

Singapore dollars to Thai baht
S$Baht
S$1฿26.34
S$5฿131.69
S$10฿263
S$20฿527
S$50฿1,317
S$100฿2,634
S$200฿5,267
S$500฿13,169
S$1,000฿26,337
S$2,000฿52,675
S$5,000฿131,686
S$10,000฿263,373
S$100,000฿2,633,728
Thai baht to Singapore dollars
BahtS$
฿1S$0.0380
฿10S$0.3797
฿20S$0.7594
฿50S$1.8985
฿100S$3.80
฿500S$18.98
฿1,000S$37.97
฿2,000S$75.94
฿5,000S$189.85
฿10,000S$379.69
฿50,000S$1,898.45
฿100,000S$3,796.90
฿1,000,000S$37,969.00

At the mid-market rate of ฿26.34 for S$1 (MAS’s rate at noon, 3 Nov). What you get from a bank, card or money changer is a little less: the converter shows how much.

SGD to THB since 1981

Thai baht for S$1, every working day since January 1981. The chart opens on the past year; “Since 1981” shows the baht’s float in 1997.

MAS, noon, each working day US Federal Reserve (H.10), crossed (before 2003)

Tap or hover on the chart to read a value.

2424.52525.52626.5
Jan 2026AprJulOct
Thai baht for S$1. MAS, noon, each working day since January 2003; before that, the US Federal Reserve’s noon rates for the baht and the S$ against the US$, crossed, from January 1981. A higher line means each Singapore dollar buys more baht. The jump in 1997 is the baht’s float.
Download CSV
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Year by year

Thai baht for S$1: the average, fewest and most for each year, from every working day. A plus means S$1 bought more baht than the year before.

YearAverageFewestMostOn the year before
2026 (so far)25.5124.2026.45+1.4%
202525.1624.1725.81-4.7%
202426.4025.0127.30+1.8%
202325.9224.8327.14+1.9%
202225.4323.8926.92+6.8%
202123.8222.4824.96+5.0%
202022.6922.1723.17-0.3%
201922.7621.9523.73-5.0%
201823.9623.5324.52-2.5%
201724.5724.1125.02-3.8%
The other 36 years, back to 1981
YearAverageFewestMostOn the year before
201625.5624.7726.32+2.6%
201524.9123.5625.70-2.8%
201425.6424.8626.18+4.4%
201324.5623.1425.96-1.3%
201224.8824.1925.36+2.6%
201124.2523.3525.06+4.2%
201023.2622.8223.81-1.5%
200923.6123.0824.080.0%
200823.6022.5524.85+2.9%
200722.9321.9123.61-3.9%
200623.8722.7924.70-1.4%
200524.2023.3425.14+1.6%
200423.8322.8124.780.0%
200323.8322.6824.78-0.8%
200224.0323.2524.96-3.3%
200124.8423.8525.72+6.6%
200023.3021.9825.26+4.2%
199922.3621.4424.26-9.3%
199824.6621.6831.36+18.7%
199720.7816.6928.18+15.5%
199617.9917.6618.41+2.3%
199517.5917.1517.89+6.7%
199416.4815.8517.36+5.1%
199315.6815.3816.20+0.5%
199215.6015.2815.84+5.7%
199114.7514.2915.43+4.3%
199014.1413.4714.76+7.3%
198913.1812.9713.58+4.9%
198812.5712.3812.99+2.8%
198712.2312.0012.63+1.2%
198612.0811.7012.61-2.3%
198512.3611.5412.76+11.8%
198411.0610.5912.56+1.6%
198310.8810.6611.16+1.2%
198210.7610.3611.28+4.2%
198110.339.4211.28–

MAS, Exchange Rates (S$ per 100 Thai baht, as of noon), from 2 January 2003; before that, the US Federal Reserve’s H.10 noon rates for the baht and the S$ against the US$ (baht per S$1 = baht per US$ ÷ S$ per US$), from 2 January 1981. Every day: download the CSV.

The baht against the S$ over the years

Since 2 January 1981, S$1 bought the fewest baht, ฿9.42, on 6 July 1981, and the most, ฿31.36, on 29 January 1998. Today it buys ฿26.34.

1997: the baht floats

On 2 July 1997 Thailand stopped holding the baht steady against a basket of currencies, mostly the US dollar, and let the market set it. In our record: on 1 July 1997 S$1 bought ฿17.16; on 2 July 1997, ฿21.10, 23% more in one day. By 29 January 1998 it bought ฿31.36, 83% more than before the float. A ฿1,000 hotel night cost S$58.27 the day before the float, and S$31.89 at the low point for the baht. The crisis that followed spread across Asia, and the S$ fell against the US$ too, so the baht’s fall against the US$ was steeper still.

What it means in dollars. Ten years ago, on 3 November 2016, S$1 bought ฿25.24. A ฿1,000 hotel night cost S$39.61 then and S$37.97 today, at the mid-market rate and before any change in the hotel’s own price. The other way, ฿100,000 in savings was worth S$3,961 then and S$3,797 today.

Worked out by Numbers.sg from the daily rates above (MAS’s from 2003; before that, the US Federal Reserve’s noon rates for each currency against the US$, crossed, which can differ a little from MAS’s noon rate on the same day). Past moves don’t say where the rate goes next.

The SGD to THB rate on any date

For an expense claim, an invoice or a receipt from a trip: the rate for any working day since January 1981.

Any day from 2 January 1981. At a weekend or holiday we show the working day before.

Monday 3 November 2025

฿24.89 for S$1

฿1,000 was S$40.17. S$1,000 was ฿24,892; ฿10,000 was S$401.74.

MAS’s rate as of noon (the US Federal Reserve’s, crossed, before January 2003) 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.

DBS’s baht rates

DBS posts telegraphic transfer rates for the baht both ways. 11:15 am, 4 Nov: it sells baht at ฿25.94 for S$1 (1.52% under the mid-market rate of ฿26.34), so S$1,000 sent from DBS comes to ฿25,938 before any fee. It buys baht at ฿26.76 for S$1, so ฿10,000 paid into DBS comes to S$373.64.

From the data behind DBS’s foreign exchange rates page, with DBS’s own time on it. DBS: “Log in now to retrieve actual rates for your transaction. Higher transaction amounts may qualify for even greater discounts.”

At a money changer

Each money changer in Singapore sets its own baht rates and changes them through the day, so this page doesn’t list them. What you can do at the counter: read the board, put its rate into the converter, and see what it costs against the mid-market rate, Wise and SuperRich in Bangkok.

  • Which number to read. Changing S$ for baht, the changer sells you baht: read its selling rate for THB. Changing baht back, read its buying rate.
  • How it’s written. Singapore boards usually show S$ for ฿100 (a number like 3.83). Bangkok boards show baht for S$1 (like 26.10), with a column for each note size. The converter takes either.
  • 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 baht 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 baht has its own central bank. The Bank of Thailand sets Thailand’s policy rate and can step into the market for the baht. Whatever moves the baht against the US dollar and the rest of the world, from tourism to exports, moves SGD to THB with it, so the rate can move when nothing has changed in Singapore. The Bank of Thailand’s decisions are on its website.

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$1,000 today.
  • “Any S$ notes will do in Bangkok.” Bangkok changers pay less for small notes. SuperRich’s rates by note size show the gap today.
  • “I need to pay someone to file my TDAC.” The arrival card is filed on Thailand’s own site, which says it charges no fee. Its words.
  • “Singaporeans get 60 days visa-free.” Not since 15 September 2026: the visa exemption for tourism is now up to 30 days. The Tourism Authority of Thailand’s words.
  • “Pay in S$ to be safe.” When a shop, hotel or ATM in Thailand offers to charge your card in S$, the rate is set by the shop’s provider, not your bank, and your bank may still charge its fee. Pay in baht.
  • “SGD to THB going up is bad.” A higher number means each Singapore dollar buys more baht: good for a trip to Thailand, bad for changing baht into S$. Is today’s rate good? shows both.

From the providers’ own pages, the Tourism Authority of Thailand, Thailand’s Immigration Bureau, the Royal Thai Embassy in Singapore, the Revenue Department, the Bank of Thailand and MAS, linked in each section; the figures are this page’s, worked out from them.

More on this topic

Currency

Questions people ask

What is SGD to THB today?

S$1 = ฿26.34, and ฿1,000 = S$37.97, at the mid-market rate (MAS’s rate at noon, 3 Nov). S$100 is ฿2,634; ฿100 is S$3.80. A bank, app or money changer gives a little less: on S$1,000 the gap today runs from about ฿87 with SuperRich Bangkok (S$ notes) to ฿1,305 with PayPal.

How much is S$1 in Thai baht?

S$1 is ฿26.34 at the mid-market rate (MAS’s rate at noon, 3 Nov), so S$100 is ฿2,634. Every way for S$100

How much is S$100 in baht?

S$100 is ฿2,634 at the mid-market rate (MAS’s rate at noon, 3 Nov). Through Wise today you would get ฿2,561. Every way for this amount

How much is S$1,000 in baht?

S$1,000 is ฿26,337 at the mid-market rate (MAS’s rate at noon, 3 Nov). Through Wise today you would get ฿26,159. Every way for this amount

How much is 1,000 baht in Singapore dollars?

฿1,000 is S$37.97 at the mid-market rate (MAS’s rate at noon, 3 Nov). At SuperRich in Bangkok, S$37.88. Every way for this amount

How much is 100 baht in Singapore dollars?

฿100 is S$3.80 at the mid-market rate (MAS’s rate at noon, 3 Nov). At SuperRich in Bangkok, S$3.79. Every way for this amount

How much is 500 baht in Singapore dollars?

฿500 is S$18.98 at the mid-market rate (MAS’s rate at noon, 3 Nov). At SuperRich in Bangkok, S$18.94. Every way for this amount

Is it better to change money in Singapore or in Thailand?

It depends on the changer and the notes. Bangkok changers often pay close to the mid-market rate for S$100 and S$50 notes and less for small ones; a Singapore changer’s rate varies by shop. Change in Singapore or in Bangkok? shows SuperRich’s rates today, and the converter takes any Singapore board’s rate.

What is the SuperRich SGD rate today?

SuperRich Thailand’s head-office rates for S$ notes, by note size, read every hour, are in change in Singapore or in Bangkok?

Do I need to fill in the TDAC before going to Thailand?

Yes. Thailand’s Immigration Bureau says all passengers must complete the Thailand Digital Arrival Card, and foreigners must submit it 3 days before they arrive, on its own site, which says it charges no fee. Its words and the link.

How long can Singaporeans stay in Thailand without a visa?

Up to 30 days for tourism, from 15 September 2026; it was 60 before. The Tourism Authority of Thailand’s words. For longer stays or other purposes, check with the Royal Thai Embassy in Singapore.

How much cash can I bring into Thailand?

The Royal Thai Embassy in Singapore says foreign currency over US$20,000 or its equivalent must be declared to Thai customs, and limits baht taken out to ฿50,000 (฿500,000 to a neighbouring country). Its words.

Can I use PayNow to send money to Thailand?

Yes, to a mobile number registered with PromptPay, up to S$1,000 or ฿25,000 a day, from DBS and POSB, OCBC or UOB. The details.

What is a good SGD to THB rate?

For changing S$ into baht, more baht for each S$1 is better; for changing baht into S$, fewer. Today’s ฿26.34 beats 97% of working days in the past year and 91% in the past ten years for changing S$ into baht. Over the past year the range was ฿24.17 to ฿26.45, an average of ฿25.37. Is today’s rate good?

What is the highest SGD to THB rate in history?

Since January 1981, when our daily record starts, S$1 bought the most baht, ฿31.36, on 29 January 1998, and the fewest, ฿9.42, on 6 July 1981. The baht over the years

Will the baht go up or down against the S$?

We don’t forecast exchange rates. What this page shows is where today’s rate sits against the past year, five and ten years (is today’s rate good?) and how far it has moved before (since 1981). If your trip is months away, the rate alert emails you when S$1 buys the most baht in a year.

What is DBS’s baht exchange rate?

DBS’s posted rates, 11:15 am, 4 Nov: it sells baht at ฿25.94 for S$1 and buys them at ฿26.76. What that means on your amount

Does the rate change at weekends?

MAS and the ECB publish their rates on working days only, so the main rate here stays at the last working day’s until the next. Providers set their own weekend rates: Revolut, for one, charges 1% more on exchanges at the weekend on its Standard plan, and money changers set their own rates every day.

How we get these rates

  • The main rate is MAS’s own figure for S$ per 100 Thai baht, which MAS gives “as of noon” each working day (MAS, Exchange Rates), turned into baht per S$1. When MAS’s site can’t be read, as during its maintenance, the main rate is the European Central Bank’s: its euro reference rates for the baht and the S$ give baht per S$1 for the same day (ECB). The page says which one it is showing. Both are read every hour from 9:15 am to 6:15 pm; at weekends and on holidays the rate stays at the last working day’s.
  • Before 2003: MAS’s daily baht series (and SingStat’s monthly one) start in January 2003. The days from 2 January 1981 are the US Federal Reserve’s H.10 noon rates in New York for the baht and the S$, each against the US$, crossed (FRED); labelled as such in the chart and the CSV. At the seam they differ from MAS’s by about half a per cent, because they are taken at a different time of day. On 3 days the Fed’s figure is more than 4% off the days either side and reverses the next day (on 17 Jul 1985, 22 Jul 1987 and 17 Jun 1997): they are left out as likely errors.
  • Check: MAS’s and the ECB’s rates for the same day must agree within 1%, or the job flags it for a person to look at.
  • SuperRich Thailand: its buying and selling rates for S$ notes, by note size, as its own site posts them for its head office (superrichthailand.com), read every hour with the rest and kept day by day. Its rate for S$1,000 notes is read but not shown. Other branches and changers set their own rates.
  • DBS: its posted telegraphic transfer rates for the baht, both ways, with DBS’s own time; left out once they are four days old.
  • Wise: Wise’s public price comparison (wise.com), read every hour, at S$100, 500, 1,000 and 5,000. Wise’s fee 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, for S$1,000 only. Wise offers no baht to S$.
  • Cards and ATMs: 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”. The Thai ATM fee is an example (฿250) that you can change: Thai banks set their own and show it on screen.
  • Rules quoted (the Tourism Authority of Thailand on the visa exemption; Thailand’s Immigration Bureau on the TDAC; the Royal Thai Embassy in Singapore on cash; the Revenue Department on VAT refunds; the Bank of Thailand, MAS and DBS on PayNow to PromptPay; the Singapore Police Force on cash) are word for word from each one’s own page, read 4 Nov 2026, and re-read on our update schedule.
  • A new rate is refused if it is outside ฿7 to ฿45 for S$1, or if the main rate moves more than 5% 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 and the trip card run in your browser; nothing you type is sent anywhere. See our disclaimer, how we get our numbers and corrections.

Changes to this page

  1. New: SGD to THB and THB to SGD. Today’s baht rate, both ways; what your amount comes to by card, app, Thai ATM, bank transfer or money changer against the mid-market rate; a converter that reads Thai price tags (1,500.- or ฿1.5k) and a money changer’s board rate either way round; what SuperRich in Bangkok pays for S$ notes by note size, read every hour; a trip card for your days and spending in S$, cheapest way first; Thailand’s rules for visitors (the arrival card, the 30-day visa exemption, cash and VAT refunds) in their own words; PayNow to PromptPay; whether today’s rate is good against the past year, five and ten years; DBS’s rates both ways; and every working day since January 1981, with the baht’s 1997 float, a rate-on-a-date lookup and a CSV. See today’s rate