JPY to SGD

Converting Japanese Yen into Singapore Dollar at a glance

The page you are reading tracks the rate for Japanese Yen (JPY) and Singapore Dollar (SGD), together with what real providers charge to convert one into the other. As of October 31, 2026, one JPY is worth 0.00812110 SGD, and a single SGD comes to 123.1360 JPY.

The figure at the top is the mid-market rate. It is the midpoint between what wholesale traders pay for JPY and what they ask for it. Treat it as the cleanest reference you can get: it contains no profit margin and no fees, so few consumer services pass it on unchanged.

The amount that lands in the other account comes down to two things: a markup hidden in the exchange rate and the fee you see on the order screen. In the sections below we explain how those costs work, look at what a conversion costs in practice and share simple habits to keep more of your money when you swap Japanese Yen for Singapore Dollar.

Delivery times and routes for SGD transfers

A traditional bank sends your payment over the SWIFT network. The money can pass through one or more correspondent banks, each of which can deduct a charge. 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 have local accounts on both sides, so your JPY stays in the JPY system and the recipient is paid in SGD from a local account. This usually cuts both time and cost, and the amount that arrives is known in advance.

How fast a transfer really is depends on more than the provider: funding method, verification and holidays in the sending and receiving country. New customers sometimes wait a little longer because the provider has to verify your identity. Upload your documents early when a deadline is involved.

200,000.00 JPY to SGD, step by step

Consider a conversion of 200,000.00 JPY. Using the reference rate of 0.00812110, that sum sets the ceiling for what is possible on the SGD side. In practice nobody hands over that full amount, because margins and fees come off first.

Across the 9 providers in our comparison, Wise came out cheapest for this amount: the recipient gets 1,616.34 SGD in the end. The gap between 1,616.34 SGD and the theoretical maximum shows the true cost, fees and margin combined.

Note that rankings shift with the amount you send. 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 and check whether the order changes.

The countries behind JPY and SGD

Japanese Yen is the legal tender in Japan. Singapore Dollar is the official currency of Singapore. Knowing this helps for anyone who earns in one of these currencies and spends in the other.

There are plenty of everyday reasons to convert JPY to SGD: paying suppliers, supporting relatives, buying property or simply travelling. Not every situation needs the same solution: a one-off large payment benefits most from a sharp rate, whereas regular small amounts are more sensitive to fixed fees.

Payout methods vary from country to country. Account formats differ: IBAN in one place, account and routing numbers in another, and in some places payout to a mobile wallet is the norm. Ask the recipient for the exact details in advance.

Safety checks before you convert JPY to SGD

Only use providers that are regulated. Look for authorisation from the FCA in the UK or the financial regulator in your own country. Regulated firms have to safeguard client funds and that offers protection if the company fails.

Double-check the recipient details before you confirm. Once money has left, getting it back is difficult. Watch out for pressure, urgency or a last-minute change of account details. Call to confirm, using contact details you already had.

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. For big amounts it can pay to ask for a better rate. A rate lock, where offered, removes uncertainty while the money is on its way.

Japanese Yen against Singapore Dollar: the last twelve months

Compared with a year ago, the JPY/SGD rate has changed by -3.82%. In that period the top of the range was 0.00851083 SGD per JPY, and the bottom of the range was 0.00788035. Today’s rate of 0.00812110 is easy to place within that band.

The distance between the high and the low shows how much the rate can move in practice. On a large conversion, the moment of conversion matters in actual money, sometimes more than the choice of provider.

The rate reflects news, economic data and supply and demand on the market. The statistics here are historical, not a forecast. If timing matters to you, use an alert or limit order rather than a hunch.

Why we compare total cost

We start from the live mid-market rate for JPY/SGD. We then apply each provider’s published fees and exchange rate margin, to calculate what actually arrives in SGD. We do this for 9 providers, so you can see the differences at a glance.

Rates are refreshed every 30 minutes, so the page reflects the market of October 31, 2026. The final price is always set by the provider itself, because their rate can move between our updates.

No bank, app or exchange owns GoldexPay. Some links on this page are affiliate links. The order is never affected by them: providers are sorted purely by how much SGD the recipient gets.

Getting the most SGD for your JPY

Look at the final amount, not just the fee. A low headline fee proves nothing if the rate is poor. The number that matters is how much SGD arrives for your JPY, and that already includes both the markup and the fee.

If you pay or withdraw cash in a SGD country, a terminal may offer to charge you in your home currency. That option is known as dynamic currency conversion, or DCC. The rate used is usually poor. Pick the local currency and let your own card provider do the conversion.

Watch the timing as well. At weekends, with the wholesale market shut, some services add an extra buffer to the rate. If you are not in a hurry, a rate alert or limit order lets you convert automatically once JPY/SGD reaches a level you choose. It takes the guesswork out, though the target may never be reached.

Also check how you fund the transfer. Card payments often cost more than a bank transfer, while a regular bank transfer to the provider is usually the cheapest way in. Bundling smaller transfers means fixed charges hit you fewer times.

What banks and apps really charge for JPY to SGD

The majority of services will not give you the mid-market rate as such. They quote a slightly worse rate and keep the difference. That gap is called the spread. If the margin is 2%, then you lose roughly 2 JPY on every 100 JPY, without it ever appearing as a fee.

Next to that markup, most banks ask for a separate fee. That can be a flat charge per payment, a percentage of the amount or a mix of both. On classic bank transfers abroad extra deductions can follow, which shrinks the amount that finally arrives.

Look twice at services that advertise free transfers. In many cases the margin in the rate simply does the work of the fee. What really counts is the final SGD figure for an identical JPY amount, and the comparison table on this page is ranked on exactly that.