USD to SGD today, and SGD to USD

Few people change at the mid-market rate: most banks, cards, apps and money changers give you a little less and keep the difference. On S$1,000 today the gap runs from about US$2 with Interactive Brokers to US$25 with a Singapore bank card. Every way, side by side

S$1,000 in US dollars today, each way

Each provider’s published rate or fee, read today; “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.

Your amount, every way to change

Put in how much you are changing, either way. At a money changer, add the rate on its board to see what it costs you against MAS’s rate, Wise, Interactive Brokers and the banks.

Change

S$ to US$ US$ to S$

Amount

S$

How much you are changing.

Rate on a money changer’s board (optional)

As the board shows it: S$ for US$1 (e.g. 1.29), US$ for S$1, or S$ for US$100. We read which it is.

Start from an example

A trip to the USS$2,000 to US$Buying US sharesS$10,000 to US$US$ pay or incomeUS$5,000 to S$A US$ priceUS$100 in S$A big transferS$50,000 to US$

S$1,000.00 in US dollars

US$782.53 at the mid-market rate

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

Way	You get	Against mid-market
Mid-market rateMAS’s rate, noon, 30 Oct, with no margin: the yardstick for the rest.	US$782.53	–
Card with no FX feeYouTrip (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 US$782.53	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 US$782.53	No fee, at its own rate
Interactive Brokers (IBKR)Converting inside an Interactive Brokers account: IBKR says it passes through the prices it receives, and charges 0.2 basis points, at least US$2.00 (US$2.00 here). About this much: we work it out at the mid-market rate.	About US$780.53	−US$2.00 (−0.26%)
Wise transferFee S$3.77, at Wise’s rate of US$0.7824 for S$1. Worked out from Wise’s own quotes at S$100 to S$5,000.	US$779.46	−US$3.07 (−0.39%)
DBS transferDBS’s posted rate for selling US$ by transfer, S$1.2909 for US$1, 6:00 am, 31 Oct; DBS says logging in shows the actual rate for your transaction, and larger amounts may get better rates.	US$774.65	−US$7.88 (−1.01%)
Singapore bank cardPaying in US$: 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 US$757.90	−US$24.63 (−3.15%)

Each 0.01 on the rate is US$6.08 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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Every common amount

S$ to US dollars at the amounts people change most, each way, worked out the same way as the converter.

US$ you get for each amount

Tap an amount to load it into the converter. IBKR’s commission is a minimum of US$2.00, so it costs most on small amounts; Wise’s fee is a fixed part plus a share; a bank card’s 3.25% is the same share at every amount.

Is today’s USD to SGD rate good?

It depends which way you are changing: a rate that is good for buying US dollars is bad for selling them. Here is today’s rate against every working day of the past year, five years and ten years.

Changing S$ into US$: at S$1.2779 for US$1 (MAS, 30 Oct), US dollars cost less today than on 64% of days in the past year, 92% of days in the past five years and 96% in the past ten.

Changing US$ into S$: it runs the other way. Your US dollars buy more S$ today than on 35% of days in the past year and 8% 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 US$1 cost between S$1.2611 and S$1.3077, a gap of US$283 on S$10,000. If you need US dollars by a date, changing some now and the rest later spreads the risk either way. MAS’s noon rates, every working day; MAS publishes them daily from 2003.

US dollars for US shares

To buy US shares from Singapore you usually change S$ into US$ first, through your broker or before the money reaches it. The broker’s commission on the shares is separate; this is the cost of the currency.

S$10,000 into US dollars for US shares, today

Against MAS’s rate of S$1.2779 for US$1 (noon, 30 Oct): US$7,825.34 at the mid-market rate. To check an app broker, put the rate it shows into the converter’s board box: the converter tells you what it costs against the mid-market rate. Brokerage commissions on the shares themselves are separate. No broker pays us, and there are no affiliate links.

Sending money to the US

What arrives in a US dollar account when you send S$1,000, from Wise’s comparison of banks and transfer services. For any other amount, use the converter: the Wise and DBS rows are transfers.

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. DBS’s own transfer rate is in the table at the top.

USD to SGD: changing US dollars into Singapore dollars

For anyone paid in US dollars, holding them, or bringing them home: what they are worth in S$, and what arrives in Singapore. The converter above works this way too: choose “US$ to S$”.

Sending US$1,000 to Singapore

From Wise’s public price comparison, as above: Wise’s own quote and the others as Wise collected them, most arriving first. A US bank may charge its own fee to send a wire; these are the providers’ prices only.

US$ to S$ and back: quick tables

At the mid-market rate of S$1.2779 for US$1 (MAS, noon, 30 Oct). What you get from a bank, card or money changer is a little less: the converter shows how much.

USD to SGD since 1981

Singapore dollars for US$1, every working day since 2003, every week from 1988, and every day from 1981 to 1987. The chart opens on the past year.

MAS, noon (daily from 2003, weekly before) Federal Reserve H.10 (1981 to 1987)

1 year5 yearsSince 1981

Tap or hover on the chart to read a value.

1.261.281.301.32

Jan 2026AprJulOct

Year by year

Singapore dollars for US$1: the average, lowest and highest of the rates we hold for each year (MAS from 1988, H.10 before). A minus means US$1 cost fewer S$: the Singapore dollar gained.

The other 36 years, back to 1981

Year	Average	Lowest	Highest	On the year before
2016	1.3811	1.3375	1.4499	+0.5%
2015	1.3749	1.3204	1.4356	+8.5%
2014	1.2671	1.2377	1.3253	+1.3%
2013	1.2513	1.2208	1.2846	+0.1%
2012	1.2496	1.2183	1.2994	-0.6%
2011	1.2577	1.2009	1.3166	-7.7%
2010	1.3630	1.2847	1.4217	-6.3%
2009	1.4541	1.3796	1.5537	+2.8%
2008	1.4142	1.3478	1.5327	-6.2%
2007	1.5070	1.4404	1.5473	-5.1%
2006	1.5884	1.5336	1.6574	-4.6%
2005	1.6649	1.6177	1.7046	-1.5%
2004	1.6902	1.6324	1.7291	-3.0%
2003	1.7422	1.7008	1.7835	-2.7%
2002	1.7900	1.7335	1.8467	-0.1%
2001	1.7918	1.7342	1.8500	+4.0%
2000	1.7236	1.6635	1.7579	+1.7%
1999	1.6950	1.6660	1.7375	+1.3%
1998	1.6731	1.5847	1.7715	+12.7%
1997	1.4851	1.3998	1.6750	+5.3%
1996	1.4101	1.3993	1.4264	-0.5%
1995	1.4171	1.3899	1.4635	-7.2%
1994	1.5264	1.4607	1.6066	-5.5%
1993	1.6156	1.5662	1.6625	-0.9%
1992	1.6301	1.5916	1.6804	-5.6%
1991	1.7276	1.6283	1.7931	-4.8%
1990	1.8142	1.7058	1.8983	-6.9%
1989	1.9497	1.8944	1.9804	-3.1%
1988	2.0125	1.9402	2.0503	-4.4%
1987	2.1059	1.9961	2.1740	-3.3%
1986	2.1783	2.1140	2.2700	-1.0%
1985	2.2009	2.0850	2.3085	+3.2%
1984	2.1327	2.0565	2.1810	+0.9%
1983	2.1137	2.0610	2.1560	-1.3%
1982	2.1406	2.0440	2.2210	+1.3%
1981	2.1138	2.0430	2.1880	–

MAS, Exchange Rates (S$ per unit of US dollar, “values as of noon”); the Federal Reserve’s H.10 release for 1981 to 1987. SingStat’s monthly averages (table M700051, from MAS) agree with MAS’s daily figures. Every day: download the CSV.

Email me when the US dollar rate moves

One email when US$1 costs the most or the fewest S$ in a 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. Or set your own rate below and get one email when it gets there.

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The highest and lowest USD to SGD rate

The Singapore dollar at its strongest: US$1 cost the fewest S$ on 27 July 2011, S$1.2009. Today’s S$1.2779 is 6.4% above that.

At its weakest: US$1 cost S$2.3085 on 12 September 1985, the most in the records we hold, which go back to January 1981.

Since 2001: on 5 January 2001, US$1 cost S$1.7355, so S$10,000 bought US$5,762. Those US dollars, changed back at today’s rate, come to S$7,363: S$2,637 less, from the exchange rate alone, before any interest or returns on them. The other way, US$10,000 brought home in 2001 would have been S$17,355; today it is S$12,779.

From MAS’s rates (weekly to 2002, daily from 2003) and the Federal Reserve’s H.10 for 1981 to 1987. The two currencies were exchanged before 1981, but these series don’t go further back.

The USD to SGD rate on any date

For an expense claim, an invoice, a receipt or a tax return: MAS’s rate for any day since 1988.

Date

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

Thursday 30 October 2025

S$1.2966 for US$1

S$1 was US$0.7712. US$100 was S$129.66; S$100 was US$77.12.

MAS’s rate for the day as of noon (weekly before 2003: the nearest week before). For every day in one file, download the CSV.

For a US tax return: the IRS yearly average

A US tax return is in US dollars, so income or costs in S$ have to be turned into US$. The IRS: “In general, use the exchange rate prevailing (i.e., the spot rate) when you receive, pay or accrue the item.” and “The Internal Revenue Service has no official exchange rate. Generally, it accepts any posted exchange rate that is used consistently.” It also publishes a yearly average rate for each currency, below; the box above gives the rate on a day.

IRS, Yearly average currency exchange rates, S$ per US$1, read 31 Oct 2026. The IRS’s figure and the average of MAS’s noon rates are worked out differently, so they can differ a little. This isn’t tax advice.

Dates that can move the rate

• January 2027 MAS’s next monetary policy statement. MAS: “Statements are released in January, April, July and October.” (MAS). Its last, on 14 October 2026, kept the rate of appreciation, width and centre of the S$NEER policy band unchanged (MAS).
• 9 Dec 2026 The US Federal Reserve’s rate decision, at the end of its 8–9 December meeting (Washington time).
• 27 Jan 2027 The US Federal Reserve’s rate decision, at the end of its 26–27 January meeting (Washington time).
• 17 Mar 2027 The US Federal Reserve’s rate decision, at the end of its 16–17 March meeting (Washington time).

Fed dates from the Federal Reserve’s meeting calendar: “Each meeting date is tentative until confirmed at the meeting immediately preceding it.” MAS gives the month but not the day in advance. A decision on either side can move the rate, or not; we don’t forecast which.

What banks charge to change

Every bank quotes two rates: one for selling you US dollars and one for buying them from you. The gap between them is the bank’s margin.

Buying US$1,000 from DBS and selling it straight back at its posted rates would cost S$25.01, the gap between its two rates. That gap is the bank’s margin; MAS’s rate sits between the two.

DBS’s rates from the data behind DBS’s foreign exchange rates page, with DBS’s own time on them. DBS: “Log in now to retrieve actual rates for your transaction. Higher transaction amounts may qualify for even greater discounts.” MAS’s rate is set at noon and DBS’s at its own time, so part of the gap can be the market moving in between.

At a money changer

Each money changer sets its own rates, and we haven’t found one that publishes them on its own website, so this page can’t list them. Wherever you change, at Raffles Place, in Chinatown or anywhere else: read the board, put its rate into the converter, and see in dollars what it costs against the mid-market rate, Wise and the banks.

• Which number to read. Changing S$ for US dollars, the changer sells you US$: read its selling rate for USD. Changing US$ back, read its buying rate.
• How it’s written. A board may show S$ for US$1, US$ for S$1, or S$ for US$100. The converter takes any of the three.
• 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.

Paying by card in the US: in US$ or S$?

A shop, website or ATM in the US may offer to charge your Singapore card in S$ instead of US dollars. That is Dynamic Currency Conversion: “The exchange rate is set by the merchant or its DCC provider”, in DBS and POSB’s words, not by Visa, Mastercard or your bank, and DBS and POSB still add 1% on a credit card and 2.8% on a debit card. Choosing US$ means the card’s own rate plus your bank’s fee (3.25% at DBS and POSB), which you can check against the mid-market rate here.

DBS and POSB: card charges and overseas transaction fees, read 31 Oct 2026.

Why the rate moves

MAS steers the Singapore dollar, not interest rates. “MAS manages the Singapore dollar against a basket of currencies along a typically appreciating path or crawl within a policy band.” (MAS). The US dollar is one currency in that basket, so USD to SGD can move a lot even while the Singapore dollar stays inside MAS’s band. 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 US dollar moves against every currency. Whatever moves the US dollar worldwide, such as a change in US interest rates, can move USD to SGD with it. That is why the Fed’s dates are in the list above next to MAS’s.

So the rate can move when nothing has changed in Singapore. The chart shows how far it has moved in a year, and since 1981.

Common mistakes

• “The rate on Google is what I’ll get.” A currency converter on a search page shows a market rate, much like MAS’s rate at the top of this page. Banks and money changers don’t give that rate to customers; the table at the top shows what each way gives on S$1,000 today.
• “No fee means no cost.” Most of the cost of changing money is in the rate, not the fee. A broker or app with no conversion fee can still give you less than one with a fee: compare what you get, not the fee.
• “Paying in S$ abroad avoids the card fee.” It swaps your bank’s fee for the shop’s own rate, and a Singapore bank still charges a fee on it. See paying by card.
• “USD to SGD going up is good.” Only if you are changing US dollars into S$. If you are buying US dollars, a higher number means each one costs you more. Is today’s rate good? shows both.

From the providers’ own pages and MAS’s rates, linked in each section; the figures are this page’s, worked out from them.

Questions people ask

How we get these rates

• The main rate is MAS’s own figure for S$ per US dollar, which MAS gives “as of noon” each working day (MAS, Exchange Rates, read every hour from 9:15 am to 6:15 pm). At weekends and on holidays it stays at the last working day’s rate. MAS’s record is daily from 2003 and weekly from 1988.
• Checks: the ECB’s euro reference rates for the US and Singapore dollars give a cross for the same day (ECB), and the Federal Reserve’s H.10 noon buying rates in New York (Federal Reserve) another; each must agree with MAS within 1%, or the job flags it. H.10 also gives 1981 to 1987, before MAS’s record.
• DBS: its posted transfer rates for US dollars, 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$ and US$ 100, 500, 1,000 and 5,000. Wise’s fee there is a fixed part plus a share of the amount; we fit both to Wise’s four quotes (within a cent or so) to work out the fee on any amount. Other providers’ prices are as Wise collected them, with Wise’s times.
• Interactive Brokers: its published commission on currency conversion, 0.2 basis points with a US$2.00 minimum (IBKR), read 31 Oct 2026. IBKR says it passes through the prices it receives, so we apply its commission to the mid-market rate and say “about”.
• Cards: DBS and POSB’s published fees (3.25%: 1% from the card association and 2.25% from the bank, DBS and POSB); YouTrip’s (YouTrip) and Trust’s (Trust) own pages; Revolut Singapore, Personal Fees (Standard), version 0.8.1. Read 31 Oct 2026 and re-read on our update schedule. 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”.
• A new rate is refused if it is outside S$1.00 to S$2.40 for US$1, if a bank’s buying rate is above its selling rate, or if MAS’s rate moves more than 4% 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, broker, 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. 31 Oct 2026

   New: USD to SGD and SGD to USD. Today’s rate from MAS; what your amount comes to by card, app, broker, transfer or money changer against the mid-market rate; whether today’s rate is good against the past year, five and ten years; the cost of changing S$ into US$ for US shares; Wise’s comparison of what arrives each way; the rate on any date since 1988, with the IRS yearly averages; and every working day since 2003, back to 1981. Email alerts when the rate moves, or when it reaches a rate you choose. See today’s rate