SGD to CHF

Converting Singapore Dollar into Swiss Franc: what you are looking at

This page follows the exchange rate between Singapore Dollar (SGD) and Swiss Franc (CHF), together with the prices that banks, money apps and exchanges actually ask. At the latest update on October 30, 2026, 1 SGD equals 0.644251 CHF, and 1 CHF comes to 1.5522 SGD.

The rate shown above is the mid-market rate, sometimes called the interbank rate. It is calculated as the middle of the price at which large banks buy SGD and the price at which they sell it. Treat it as a fair reference point: no fee or margin is built in, so consumers almost never receive it in full.

What ends up on the CHF side depends on two separate costs: 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, show how they add up on a real amount and give concrete ways to keep more of your money when converting SGD to CHF.

Mid-market rate versus the rate you get

The majority of services will not give you the mid-market rate as such. Instead they shift the rate in their own favour and keep the difference. People call this the markup. With a 2% markup, for instance, for every 100 SGD you convert, about 2 SGD worth disappears before the money arrives.

Next to that markup, a lot of services charge an explicit fee. This is usually a fixed amount per transfer, a percentage of the amount or both at once. For transfers sent through the banking network the receiving or intermediary bank sometimes deducts a charge too, and those only show up at the end.

Be wary of offers that say "no fees" or "0% commission". The cost often sits in the rate instead. The only fair way to compare is the total amount that arrives in CHF for an identical SGD amount, and that is the figure our table ranks on.

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. Regulation includes rules on keeping your money apart from the company’s own.

Double-check the recipient details before you confirm. Once money has left, getting it back is difficult. Unexpected changes to payment details are a classic warning sign. Verify through a channel you trust.

Larger transfers often come with additional questions. Providers may ask for proof of where the money comes from, like a statement or a sales contract. Some providers lower their margin on request for larger customers. A rate lock, where offered, removes uncertainty while the money is on its way.

SGD and CHF around the world

Singapore Dollar is the currency of Singapore. Swiss Franc is what people pay with in Switzerland, Liechtenstein. That is useful to know for anyone who earns in one of these currencies and spends in the other.

The reasons for changing SGD into CHF vary: rent or a mortgage abroad, tuition fees, a salary paid in another currency, savings or a holiday. Not every situation needs the same solution: a single big transfer calls for the best rate, whereas regular small amounts suffer more from flat charges.

The way money is paid out also differs per country. Account formats differ: IBAN in one place, account and routing numbers in another and in certain countries cash pickup or mobile money is common. Have the recipient’s full details ready before you begin.

Paying less when you change SGD into CHF

Judge on what arrives, not on what is advertised. A provider with a low fee can still be expensive if the rate is poor. The fairest figure to compare is how much CHF arrives for your SGD, and that already includes both margin and fee.

If you pay or withdraw cash in a CHF country, you can get a choice between your own currency and the local one. That option is known as dynamic currency conversion, or DCC. It tends to be among the most expensive ways to convert. Choose the local currency and the conversion follows your card’s own terms.

Watch the timing as well. Rates quoted on a Saturday or Sunday can include a weekend surcharge. When there is no deadline, an alert tells you when the rate hits a level you are happy with. It takes the guesswork out, but there is no guarantee the rate will get there.

The payment method matters as well. A credit card may be treated as a cash advance by your card issuer, and a plain bank transfer is normally the low-cost option. Combining several small payments into one larger transfer reduces what you pay in flat fees.

Sample calculation for 1,000.00 SGD

Consider a transfer of 1,000.00 SGD. Using the reference rate of 0.644251, that marks the theoretical maximum of what the recipient could get. In practice nobody hands over that full amount, because margins and fees come off first.

Across the 8 providers in our comparison, Revolut came out cheapest for this amount and paid out 641.03 CHF at the time of our last update. The gap between 641.03 CHF and the theoretical maximum shows the true cost, fees and margin combined.

Keep in mind that rankings shift with the amount you send. A flat fee hurts most when the amount is small, whereas a percentage margin grows along with the amount. Try your actual amount in the calculator above and check whether the order changes.

Delivery times and routes for CHF transfers

A traditional bank sends your payment via the SWIFT system. Along the way one or more intermediary banks may handle it, each of which can deduct a charge. Expect anything from one to a few working days, and the exact cost is not always clear in advance.

Dedicated providers take another route. They hold balances in both currencies, which means your payment and the payout both happen domestically. That is often faster and cheaper, with the final CHF 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.

How GoldexPay compares SGD to CHF providers

Every calculation begins with the mid-market rate of 0.644251. We then apply each provider’s published fees and exchange rate margin, and work out how much CHF the recipient would end up with. The comparison covers 8 providers, placed side by side.

Rates are refreshed every 30 minutes, with October 30, 2026 as the reference date. Always check the final quote in the provider’s app or website, 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. The order is never affected by them: the only ranking criterion is the amount received.

Recent movement in the SGD/CHF rate

Over the past twelve months, the SGD/CHF rate moved by +4.46%. In that period the rate peaked at 0.653573 CHF for one SGD, while the low point came in at 0.605944. Today’s rate of 0.644251 sits somewhere inside that range.

The distance between the high and the low is a useful reminder of how far the rate can travel. For a bigger amount, timing has a visible effect on the outcome, even when the fee stays the same.

The rate reflects interest rate decisions, inflation figures, trade flows and general market sentiment. These figures describe the past and say nothing about what comes next. If you are waiting for a particular level, it is more practical to set an alert than to guess.