Food, transport, shopping, pasalubong 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 ₱5,000 a day: ₱35,000

S$706.58 at the mid-market rate

What the trip’s pesos cost 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$706.58–
All on a card with no FX feeYouTrip or Trust, paying in pesos. About this much.About S$706.58No fee, at its own rate
Cash from a Philippine ATM, 2 withdrawalsA no-FX-fee card, plus ₱250 a time in bank fees (₱500 in all). About this much.About S$716.67+S$10.09
All on a Singapore bank cardUp to 3.25% on top. About this much.About S$729.54+S$22.96

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

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Data: Monetary Authority of Singapore; European Central Bank; DBS; Wise; Remitly, checked 13 Nov 2026. Full table and method on Numbers.sg