Change

How much you are changing.

As the board shows it: ringgit for S$1 (e.g. 3.13), S$ for RM1, or S$ for RM100. We read which it is.

Start from an example

S$1,000.00 in ringgit

RM3,174.90 at the mid-market rate

S$1,000.00 in ringgit, each way to change, most first
WayYou getAgainst mid-market
Mid-market rateThe rate between banks in Kuala Lumpur, 5 pm, 13 Nov (Bank Negara Malaysia), with no margin: the yardstick for the rest.RM3,174.90–
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 RM3,174.90No 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 RM3,174.90No fee, at its own rate
Wise transferFee S$3.08, at Wise’s rate of 3.1751. Worked out from Wise’s own quotes at S$100 to S$5,000.RM3,165.35−RM9.55 (−0.30%)
S$ cash at a Malaysian bankThe best counter rate of selected Malaysian banks for buying your S$, 11:30 am, 13 Nov (Bank Negara Malaysia).RM3,148.40−RM26.50 (−0.83%)
DBS transferDBS’s posted transfer rate for ringgit, 6:00 pm, 13 Nov; DBS says logging in shows the actual rate for your transaction, and larger amounts may get better rates.RM3,140.37−RM34.53 (−1.09%)
Singapore bank cardUp 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 RM3,074.96−RM99.94 (−3.15%)

Each 0.01 on the rate is RM10.00 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 card’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

Data: Bank Negara Malaysia; European Central Bank; SingStat; DBS; Wise, checked 13 Nov 2026. Full table and method on Numbers.sg