Exchange rates

SGD to JPY

1 SGD = 123.53 JPY

Convert SGD and JPY

1,000.00 SGD =

123,529 JPY

1 SGD = 123.53 JPY

ECB reference rate of 2026-10-16

This is the mid-market rate. Banks and card networks add their own markup on top.

The current rate sits at the 40th percentile of the last 90 days.

2025-10-202026-10-16
52-week high
126.90
2026-07-24
52-week low
116.46
2025-10-20
30-day change
+0.16%
1-year change
-

Sending 1,000 SGD: what each method costs

The mid-market rate is the honest one. Everything below is what you actually get after fees and exchange-rate markup.

  • USDT on-chain

    Recipient gets
    123,166.16 JPY
    Lost vs mid-market
    −362.85
    Total cost
    0.29%

  • Wise

    Recipient gets
    122,706.39 JPY
    Lost vs mid-market
    −822.61
    Total cost
    0.67%

  • PayPal

    Recipient gets
    117,426.67 JPY
    Lost vs mid-market
    −6,102.33
    Total cost
    4.94%

  • Bank wire (SWIFT)

    Recipient gets
    116,106.42 JPY
    Lost vs mid-market
    −7,422.59
    Total cost
    6.01%

Fees surveyed on 2026-07-27

Try your own amount

Cheapest here: USDT via WorkTGT. The recipient gets 123,221 JPY.

  • USDT via WorkTGTCheapest

    Recipient gets
    123,221 JPY
    Fees
    1.00 SGD
    Lost vs mid-market
    −308 JPY
    Total cost
    0.25%

  • Wise

    Recipient gets
    122,706 JPY
    Fees
    6.66 SGD
    Lost vs mid-market
    −823 JPY
    Total cost
    0.67%

  • PayPal

    Recipient gets
    117,427 JPY
    Fees
    20.00 SGD
    Lost vs mid-market
    −6,102 JPY
    Total cost
    4.94%

  • Bank wire (SWIFT)

    Recipient gets
    116,106 JPY
    Fees
    35.99 SGD
    Lost vs mid-market
    −7,423 JPY
    Total cost
    6.01%

How these numbers are worked out

  • Every method assumes you spend exactly the amount above, with fees taken out of it, and is measured against the mid-market rate.
  • Bank wire: 25 EUR in sending and intermediary fees, plus a 2.5% markup on the exchange rate.
  • Wise: 1.5 EUR plus 0.45% of the amount, converted at the mid-market rate.
  • PayPal: 2% of the amount, plus a 3% markup on the exchange rate.
  • USDT via WorkTGT: 0.1% of the payout (min 0.5, max 5 USDT), network gas included. USDT is counted at 1 USD, plus a 0.15% spread when the recipient converts USDT to local currency.

Provider fees surveyed on 2026-07-27. They vary by country, bank and amount, so check with your provider before a large transfer. Exchange rate: ECB reference rate of 2026-10-16.

Choosing the wrong route costs you 7,060 JPY on this transfer.

WorkTGT settles team payouts in USDT through a Safe multisig. Every payment is approved internally first, signed by your own wallets, and provable on-chain. We never hold your funds. Using it is free; each executed payout costs 0.1% (min 0.5, max 5 USDT), network gas included.

Run team payouts with approvals

FAQ

What is the SGD to JPY exchange rate today?

This page shows the European Central Bank reference rate for SGD/JPY, updated every publication day. It is the mid-market rate: the midpoint between buy and sell, before any provider's markup.

What is the cheapest way to send money abroad?

It depends on the amount. Fixed fees dominate small transfers while exchange-rate markup dominates large ones. A 2.5% bank markup on a large payment costs far more than any flat fee. The table on this page computes both for the amount you are sending.

Where do these rates come from?

Rates come from the European Central Bank's daily reference rates, with the Russian rouble sourced from the Central Bank of Russia because the ECB stopped publishing it in 2022.