AUD to SGD

AUD to SGD: rate, costs and context

This page brings together the price relationship between Australian Dollar (AUD) and Singapore Dollar (SGD) and compares it with what real providers charge to convert one into the other. At the latest update on October 31, 2026, 1 AUD buys 0.898494 SGD, while a single SGD is worth 1.1130 AUD.

The figure at the top is the mid-market rate, sometimes called the interbank rate. It is the midpoint between the buying and selling prices on the wholesale market. Treat it as a neutral benchmark: no fee or margin is built in, so consumers almost never receive it in full.

What ends up on the SGD side depends on two things: the margin a provider adds to that rate and the fee you see on the order screen. In the sections below we show how those costs are built up, show how they add up on a real amount and share simple habits to get closer to the mid-market rate when converting AUD to SGD.

Larger transfers: what to check first

Make sure the provider is licensed. Look for authorisation from the FCA in the UK or the financial regulator in your own country. Regulated firms have to safeguard client funds, which protects you if something goes wrong.

Double-check the recipient details before you confirm. Mistakes are rarely fixed quickly with transfers abroad. Unexpected changes to payment details are a classic warning sign: confirm by phone using a number you already know.

For large amounts, expect extra checks. You may need to show proof of the source of funds, such as a payslip, sale agreement or bank statement. Some providers lower their margin on request for larger customers. Ask whether you can fix the rate in advance.

Exchange rate markup and fees on AUD/SGD

Nearly every bank and app stay away from the mid-market rate as such. Instead they offer a rate that is a little less favourable and earn on the difference. That gap is called the spread. A markup of 2%, for example, means that about 2 out of every 100 AUD never reach the recipient.

Besides the hidden margin, many providers add a visible fee. That can be a fixed amount per transfer, a share of what you send or both at once. With international bank payments extra deductions can follow, which shrinks the amount that finally arrives.

Be wary of services that advertise free transfers. In many cases the margin in the rate simply does the work of the fee. The reliable test is how much SGD the recipient ends up with for an identical AUD amount, which is how the table above is sorted.

One year of AUD to SGD

Compared with a year ago, the exchange rate has changed by +5.57%. Within those twelve months the rate peaked at 0.922311 SGD for one AUD, while the lowest was 0.841308. At 0.898494, the rate today can be measured against those two levels.

The distance between the high and the low shows how much the rate can move in practice. On a large conversion, timing has a visible effect on the outcome, occasionally more than the difference between providers.

The rate reflects news, economic data and supply and demand on the market. These figures describe the past and say nothing about what comes next. If timing matters to you, it is more practical to set an alert than to guess.

How to get a better AUD to SGD rate

Compare the total cost, not the fee alone. A provider with a low fee can still be expensive if the rate is poor. The number that matters is the SGD amount after every cost, which combines margin and fee.

When you pay by card abroad, a terminal may offer to charge you in your home currency. This is called dynamic currency conversion. The rate used is usually poor. Always opt to pay in the local currency so your bank or card issuer handles the exchange.

Timing plays a role too. Some providers widen their margin at weekends, when currency markets are closed. For transfers that can wait, a rate alert or limit order lets you convert automatically once AUD/SGD reaches a level you choose. It takes the guesswork out, but there is no guarantee the rate will get there.

Finally, look at how you pay. Card payments often cost more than a bank transfer, while a plain bank transfer is normally the low-cost option. Bundling smaller transfers means fixed charges hit you fewer times.

Where Australian Dollar and Singapore Dollar are used

Australian Dollar is used in Australia. Singapore Dollar is used in Singapore. This matters when you plan a trip, pay an invoice or send money to family.

People convert AUD to SGD for many reasons: moving abroad, studying, doing business or sending a gift. Not every situation needs the same solution: a single big transfer benefits most from a sharp rate, while regular small amounts suffer more from flat charges.

The way money is paid out also differs per country. Depending on the country, you need an IBAN, a local account number or a mobile wallet and in certain countries payout to a mobile wallet is the norm. Ask the recipient for the exact details in advance.

SWIFT versus local payout for AUD to SGD

A traditional bank sends your payment through SWIFT. The money can pass through one or more correspondent banks, and each can take a fee. Expect anything from one to a few working days, and the final deduction is often only visible afterwards.

Many money transfer apps use a different model. They hold balances in both currencies, so no money physically crosses the border: you pay in locally and the recipient is paid out locally. This usually cuts both time and cost, with the final SGD amount fixed upfront.

Delivery time depends on several factors: how you pay, the time of day, cut-off times and bank holidays in both countries. A first transfer can take longer as the provider completes its checks. Upload your documents early if the money has to arrive on a set date.

What 1,000.00 AUD gets you in SGD

Consider a conversion of 1,000.00 AUD. At the mid-market rate of 0.898494, that marks the theoretical maximum of what is possible on the SGD side. In practice nobody hands over that full amount, since the margin and fees are taken out along the way.

Looking at all 8 providers we track, Revolut gave the best result, with 894.00 SGD after all costs. The gap between 894.00 SGD and the theoretical maximum is the real price of the transfer.

Bear in mind that the cheapest provider for 1,000.00 AUD is not automatically the cheapest for every amount. A flat fee hurts most when the amount is small, while the margin in the rate becomes the bigger cost on larger transfers. Run your own figure through the converter for a ranking that fits your situation.

How we rank providers for AUD to SGD

Every calculation begins with the mid-market rate of 0.898494. Each provider’s published fee and markup are applied on top, which gives the amount the recipient receives. The comparison covers 8 providers, placed side by side.

Rates are refreshed every 30 minutes, so the page reflects the market of October 31, 2026. Always check the final quote in the provider’s app or website, since markets keep moving, especially when markets are busy.

We are not owned by any provider. Some links on this page are affiliate links, which help pay for the site. The order is never affected by them: the provider that delivers the most SGD comes first, whether or not we have a link to it.