SGD and CNY converter: what you get each way to change

S$1,000.00 in yuan, each way to change, most first
Way	You get	Against mid-market
Mid-market rateThe mid-market rate: MAS’s rate at noon, 13 Nov, with no margin. The yardstick for the rest.	RMB 5,186.72	–
Card with no FX fee, in ChinaYouTrip (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 RMB 5,186.72	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 RMB 5,186.72	No fee, at its own rate
DBS’s CNY rateDBS’s telegraphic transfer rate for selling you onshore yuan (CNY), RMB 5.1354 for S$1, 6:00 pm, 13 Nov. DBS says logging in shows the actual rate for your transaction, and larger amounts may get better rates.	RMB 5,135.37	−RMB 51.35 (−0.99%)
WiseFee S$11.43, at Wise’s rate of RMB 5.1824 for S$1. Worked out from Wise’s own quotes at S$100 to S$5,000.	RMB 5,123.19	−RMB 63.53 (−1.22%)
DBS’s CNH rateDBS’s telegraphic transfer rate for selling you offshore yuan (CNH), RMB 5.1068 for S$1, 6:00 pm, 13 Nov.	RMB 5,106.81	−RMB 79.91 (−1.54%)
Singapore bank card, in ChinaPaying in yuan: 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 RMB 5,023.46	−RMB 163.26 (−3.15%)

Each RMB 0.01 on the rate is RMB 10.00 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