SGD to AUD

Singapore Dollar to Australian Dollar: what you are looking at

This page brings together the exchange rate between Singapore Dollar (SGD) and Australian Dollar (AUD), together with what real providers charge to convert one into the other. At the latest update on October 31, 2026, 1 SGD buys 1.1130 AUD, and 1 AUD equals 0.898494 SGD.

The figure at the top is the mid-market rate, sometimes called the interbank rate. It sits exactly halfway between the price at which large banks buy SGD and the price at which they sell it. It works as a fair reference point: it contains no profit margin and no fees, and that is why you rarely get it as a private customer.

The amount that lands in the other account comes down to two things: a markup hidden in the exchange rate and the visible transfer or service fee. In the sections below we explain how those costs work, put them side by side and give concrete ways to get closer to the mid-market rate when you change SGD into AUD.

How we rank providers for SGD to AUD

Every calculation begins with the mid-market rate of 1.1130. Each provider’s published fee and markup are applied on top, which gives the amount the recipient receives. In total 8 providers are included, so you can see the differences at a glance.

We update the rates every 30 minutes, and the date on the page shows when the data was last updated. Providers confirm their own price at checkout, because their rate can move between our updates, especially when markets are busy.

No bank, app or exchange owns GoldexPay. Some links on this page are affiliate links, which help fund our work. They have no influence on the order: providers are sorted purely by how much AUD the recipient gets.

The SGD/AUD rate over twelve months

Across the last year, the SGD/AUD rate shows a change of -5.28%. During that year the highest level was 1.1886 AUD for one SGD, while the bottom of the range was 1.0842. At 1.1130, the rate today is easy to place within that band.

That range between high and low is a useful reminder of how far the rate can travel. For a bigger amount, the moment you choose can make a noticeable difference to what arrives, sometimes more than the choice of provider.

Exchange rates respond to central bank policy, economic data and shifts in risk appetite. These figures describe the past and say nothing about what comes next. If you are waiting for a particular level, a rate alert is a calmer option than trying to predict the market.

What banks and apps really charge for SGD to AUD

The majority of services do not convert at the rate of 1.1130 itself. They offer a rate that is a little less favourable and earn on the difference. People call this the exchange rate margin. A markup of 2%, for example, means that you lose roughly 2 SGD on every 100 SGD, without it ever appearing as a fee.

Besides the hidden margin, many providers add a visible fee. That can be a flat charge per payment, a share of what you send or both at once. With international bank payments other banks along the route may take their own cut, and those only show up at the end.

Take a close look at services that advertise free transfers. Free usually means the price is built into the exchange rate. The only fair way to compare is how much AUD the recipient ends up with for exactly the same sum, and the comparison table on this page is ranked on exactly that.

SGD and AUD around the world

Singapore Dollar is the money you pay with in Singapore. Australian Dollar is what people pay with in Australia. This matters if you travel, shop online abroad or support someone in another country.

People convert SGD to AUD for many reasons: rent or a mortgage abroad, tuition fees, a salary paid in another currency, savings or a holiday. Each situation asks for something different: a single big transfer calls for the best rate, while frequent smaller payments suffer more from flat charges.

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.

Paying less when you change SGD into AUD

Judge on what arrives, not on what is advertised. A small fee on its own says little if the rate is poor. The fairest figure to compare is the amount received, which combines margin and fee.

If you pay or withdraw cash in a AUD country, you can get a choice between your own currency and the local one. This is called dynamic currency conversion. The rate used is usually poor. Pick the local currency so your bank or card issuer handles the exchange.

Watch the timing as well. Rates quoted on a Saturday or Sunday can include a weekend surcharge. For transfers that can wait, an alert tells you when the rate hits a level you are happy with. It saves you from checking the rate every day, but the target may never be reached.

The payment method matters as well. Paying by credit card can trigger extra charges, and a regular bank transfer to the provider is usually the cheapest way in. Bundling smaller transfers means fixed charges hit you fewer times.

Before you send: security and large amounts

Make sure the provider is licensed. In the UK that means authorisation by the FCA, elsewhere a central bank or financial supervisor. Licensed payment firms must keep customer money separate from their own, which protects you if something goes wrong.

Verify every detail of the recipient. An international payment is hard to reverse once it is sent. 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, for example a contract of sale or an account statement. Some services offer better rates or a personal contact for larger transfers. A rate lock, where offered, removes uncertainty while the money is on its way.

Choosing a route to send AUD

A traditional bank sends your payment over the SWIFT network. Along the way one or more intermediary banks may handle it, each of which can deduct a charge. It typically arrives within a few working days, and the final deduction is often only visible afterwards.

Dedicated providers take another route. They keep money in accounts in both regions, 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 AUD amount fixed upfront.

How fast a transfer really is depends on more than the provider: how you pay, the time of day, cut-off times and bank holidays in both countries. New customers sometimes wait a little longer because the provider has to verify your identity. Upload your documents early if the money has to arrive on a set date.

What 1,000.00 SGD gets you in AUD

Consider a conversion of 1,000.00 SGD. At the mid-market rate of 1.1130, that marks the theoretical maximum of what is possible on the AUD side. No service pays out that exact figure, because margins and fees come off first.

Across the 8 providers in our comparison, Revolut gave the best result and paid out 1,107.41 AUD at the time of our last update. The gap between 1,107.41 AUD and the theoretical maximum is the real price of the transfer.

Note that the cheapest provider for 1,000.00 SGD is not automatically the cheapest for every amount. A flat fee hurts most when the amount is small, while a percentage margin grows along with the amount. Enter your own amount in the converter for a ranking that fits your situation.