Send Money from Australia to Singapore
Compare AUD → SGD exchange rates from top providers
AI Quick Verdict
As of April 16, 2026, the cheapest way to send money from Australia to Singapore is via Wise, costing $4.60 in fees with an exchange rate of 1 AUD = 0.91 SGD. Sending $1,000 delivers SGD 905.02 to your recipient in ~1 hour.
Compare AUD → SGD Rates
Best rate — they receive (SGD)
SGD 905.02
via Wise
Sending AUD 1,000 to Singapore
Updated Apr 16, 06:00 AM
| Provider | Exchange Rate | Fee | Speed | You Send | They Receive | |
|---|---|---|---|---|---|---|
WiseBest rate | 1 AUD = 0.91 SGD | $4.60 | ~1 hour | AUD 1,000 | SGD 905.02 | Send → |
RevolutRunner-up | 1 AUD = 0.91 SGD | $5.00 | ~1 day | AUD 1,000 | SGD 901.94 | Send → |
Remitly | 1 AUD = 0.90 SGD | $15.00 | ~3 hours | AUD 1,000 | SGD 882.13 | Send → |
WorldRemit | 1 AUD = 0.89 SGD | $13.99 | ~6 hours | AUD 1,000 | SGD 878.55 | Send → |
* Rates are indicative. Final rate confirmed at provider's checkout. RateCurb may earn a commission if you click and sign up.
vs Traditional Banks
You save up to $75
on a AUD 1,000 transfer
Wise
BEST RATEBank of America
+5% markup + $35 wire fee
Wells Fargo
+4.5% markup + $25 wire fee
Sending AUD to SGD doesn't require expensive bank transfers. Digital providers like Wise and Remitly save 3–8% by offering real mid-market rates and transparent fees. Whether you're relocating, supporting family, or moving savings, this guide shows you exactly how to send money quickly and cheaply.
Our verdict: Use Wise or Remitly for exchange rates 3–8% better than banks, send via PayNow for instant delivery, and set rate alerts to maximize your AUD strength before transferring.
Send Money from Australia to Singapore: A Complete Step-by-Step Guide
Sending money from Australia to Singapore is one of the most common international transfer routes, whether you're relocating, supporting family, paying invoices, or moving savings. The AUD-to-SGD corridor moves roughly A$2–4 billion annually, with individual senders typically transferring anywhere from A$500 to A$50,000+ per transaction. Understanding your options will save you 3–8% compared to traditional banks and ensure your money arrives safely and quickly.
Understand Hidden Fees Before You Send
Banks don't just charge a flat fee—they also profit from exchange rate markups. When you send AUD$1,000, a typical bank applies a markup of 2–4% on top of the real mid-market rate. This means you're paying A$20–40 extra without realizing it. You must distinguish between two types of costs: the outgoing fee charged by your Australian bank (usually A$15–35) and the exchange rate markup they apply to convert your AUD to SGD.
Digital money transfer providers like Wise, Remitly, Revolut, and WorldRemit consistently beat banks by 3–8% on exchange rates because they use the real mid-market rate with minimal markups (typically 0.5–1%). For a A$5,000 transfer, choosing a digital provider over a bank could save you A$150–400. Before committing, always ask your bank for the exact exchange rate and fees in writing, then compare it to at least two digital providers.
Choose Between Instant and Economy Transfers
Transfer speed depends on your urgency and budget. Economy transfers take 2–4 business days and cost nothing extra; use these when you're not in a hurry. Instant transfers (1–2 hours) cost A$5–15 extra through digital providers but are worth it when you're paying a time-sensitive invoice or need funds immediately. Standard bank transfers usually take 3–5 business days with no speed option.
Set Up Your Transfer in Five Steps
- Choose your provider. Open an account with Wise, Remitly, or WorldRemit (fastest setup—5 minutes online) or use your existing bank app.
- Enter the recipient's details. You'll need the Singapore bank account number and branch code, or (faster still) direct delivery to a PayNow-linked account. Singapore's PayNow system enables real-time bank transfers using just a mobile number or NRIC/FIN, and most digital providers now offer this option, allowing funds to arrive instantly even outside normal banking hours.
- Confirm the exchange rate and fees. Lock in the rate immediately if it looks good—rates move daily and can shift by 0.5–1.5% in hours.
- Send the money. Use a debit card or bank transfer to fund your transfer. Debit card payments often process instantly.
- Track arrival. You'll receive tracking updates via email or app. Singapore banks typically credit funds within 2 hours of receiving the payment.
Know Your Local Options and Regulations
Standard banking regulations apply when sending money from Australia to Singapore. Your Australian bank must verify your identity and screen the transaction against sanctions lists—this is normal and adds a day or two to first-time transfers. The Singapore-side regulations are equally straightforward and transparent. Most digital providers will deliver directly to the two largest receiving banks in Singapore, DBS Bank and OCBC Bank, as well as smaller banks like UOB and Maybank. Delivery to PayNow-linked accounts at any of these banks is fastest and cheapest.
Three Pro Tips to Save More Money
- Send when AUD is strong. Set rate alerts on Wise or XE.com to notify you when AUD/SGD hits a favorable level (typically above 0.94). Waiting 1–2 weeks for a 1% rate improvement saves more than any fee optimization.
- Batch smaller transfers. Sending A$1,000 ten times costs ten times in fees. Save up and send A$10,000 once instead—you'll pay flat fees only once and get the same exchange rate.
- Avoid airport money changers. Airport and shopping mall changers in Singapore charge 4–6% markups. If the recipient urgently needs SGD cash, use a digital provider to send to their bank account instead.
With the right provider and timing, you'll move money from Australia to Singapore safely, transparently, and at the best possible rate.
Frequently Asked Questions
What is the best AUD to SGD exchange rate?
The mid-market rate (real interbank rate) is the best available—currently around 0.93–0.95 SGD per AUD. Digital providers offer rates within 0.5–1% of this, while banks typically add 2–4% markup. Lock in rates when AUD strengthens above 0.94 for maximum value.
How long does it take to send money from Australia to Singapore?
Economy transfers via digital providers take 2–4 business days, while instant transfers arrive in 1–2 hours for a small fee. PayNow-linked accounts receive funds even faster, often within minutes. Bank transfers typically take 3–5 business days.
What are the fees for sending money from Australia to Singapore?
Digital providers charge A$0–10 per transfer plus a small markup on exchange rates (0.5–1%). Banks charge A$15–35 plus a 2–4% exchange rate markup, making them 3–8% more expensive overall. Always compare providers before sending large amounts.
Is it safe to use online money transfer services?
Yes—established providers like Wise, Remitly, and WorldRemit are fully licensed and regulated in Australia and Singapore with fraud protection and encryption. They're safer than carrying cash or using informal money changers, and all comply with Australian banking regulations.
How to send money from Australia to Singapore
- 1Choose your provider — Compare rates above and pick the one with the best AUD to SGD rate.
- 2Create a free account — Most providers take under 5 minutes to verify your identity.
- 3Enter your recipient's details— You'll need their bank account number and routing information.
- 4Pay and track — Fund your transfer and track it in real time.