XRP to SGD

The XRP/SGD exchange rate: what you are looking at

This page tracks the rate for XRP (XRP) and Singapore Dollar (SGD) and sets it next to the cost of an actual conversion at a range of providers. As of October 31, 2026, one XRP is worth 1.5977 SGD, and one SGD is worth 0.625914 XRP.

The figure at the top is the interbank mid rate. It sits exactly halfway between the buying and selling prices on the wholesale market. Treat it as a fair reference point: nobody earns anything on it directly, which is exactly why you rarely get it as a private customer.

What ends up on the SGD side comes down to two separate costs: the margin a provider adds to that rate and any fixed or percentage 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 swap XRP for Singapore Dollar.

About this comparison

We start from the live mid-market rate for XRP/SGD. We then apply each provider’s published fees and exchange rate margin, which gives the amount the recipient receives. In total 1 providers are included, ranked from most to least received.

Rates are refreshed every 30 minutes, and the date on the page shows when the data was last updated. Always check the final quote in the provider’s app or website, since markets keep moving.

GoldexPay is independent. We may earn a commission through some links. The order is never affected by them: the only ranking criterion is the amount received.

Practical ways to save on XRP/SGD

Compare the total cost, not the fee alone. A low headline fee proves nothing because the margin can make up the difference. The number that matters is the SGD amount after every cost, and that already includes both margin and fee.

When you pay by card abroad, you can get a choice between your own currency and the local one. This is called dynamic currency conversion. It tends to be among the most expensive ways to convert. Always opt to pay in the local currency and let your own card provider do the conversion.

Watch the timing as well. Some providers widen their margin at weekends, when currency markets are closed. If you are not in a hurry, an alert tells you when the rate hits a level you are happy with. It saves you from checking the rate every day, though the target may never be reached.

Also check how you fund the transfer. A credit card may be treated as a cash advance by your card issuer, while funding by bank transfer tends to keep costs down. Bundling smaller transfers reduces what you pay in flat fees.

Sample calculation for 1,000.00 XRP

Let’s use an amount of 1,000.00 XRP. At the mid-market rate of 1.5977, that marks the theoretical maximum of what any provider could deliver in SGD. No service pays out that exact figure, since the margin and fees are taken out along the way.

Looking at all 1 providers we track, Revolut gave the best result: the recipient gets 1,573.86 SGD at the time of our last update. The difference between that figure and the mid-market amount is what the conversion actually cost you.

Bear 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. Run your own figure through the converter for a ranking that fits your situation.

Recent movement in the XRP/SGD rate

Compared with a year ago, the XRP/SGD rate shows a change of -49.68%. In that period the highest level was 3.2944 SGD per XRP, and the lowest was 1.2680. At 1.5977, the rate today can be measured against those two levels.

The spread between the year’s extremes puts the movement into real terms. When you convert a substantial sum, timing has a visible effect on the outcome, even when the fee stays the same.

Rates are pushed around by news, economic data and supply and demand on the market. We show the figures as they are and do not make predictions. If you want to act on a certain rate, use an alert or limit order rather than a hunch.

Exchange rate markup and fees on XRP/SGD

The majority of services stay away from the rate of 1.5977 itself. Instead they offer a rate that is a little less favourable and pocket the gap. People call this the exchange rate margin. If the margin is 2%, then you lose roughly 2 XRP on every 100 XRP, without it ever appearing as a fee.

On top of the margin, many providers ask for a separate fee. It may be a fixed amount per transfer, a percentage of the amount or both at once. On classic bank transfers abroad the receiving or intermediary bank sometimes deducts a charge too, which shrinks the amount that finally arrives.

Take a close look at anything sold as commission-free. In many cases the margin in the rate simply does the work of the fee. The only fair way to compare is how much SGD the recipient ends up with for exactly the same sum, and the comparison table on this page is ranked on exactly that.

Converting XRP to SGD as a crypto pair

Crypto prices differ from platform to platform. On an exchange with an order book, you pay the difference between bid and ask, plus a trading fee. Easy buy buttons in apps usually quote a single price with the margin already included.

Withdrawing crypto from a platform, you pay a network or withdrawal fee. It is unrelated to how much you move, so it weighs more on small transactions. Always check which network a platform uses: a mismatch can mean the funds never arrive.

Crypto prices can move sharply within minutes. A displayed price may be fixed only for a few seconds, and on large orders the execution price can slip. The rate on this page is a reference point, not a guaranteed price.

Think about custody as well. On a platform, someone else manages the private keys, while self-custody means you alone can access, or lose, the funds. Look for registration with a financial supervisor before you deposit.

Staying safe with bigger XRP to SGD transfers

Make sure the provider is licensed. A regulated provider is registered with a supervisor such as the FCA or your national central bank. Regulated firms have to safeguard client funds.

Verify every detail of the recipient. 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.

Larger transfers often come with additional questions. You may need to show proof of the source of funds, for example a contract of sale or an account statement. For big amounts it can pay to ask for a better rate. Ask whether you can fix the rate in advance.