Planning to exchange SGD to Thai Baht? Here’s everything you need to know — including where to get the best rate. 🇹🇭
1 SGD = 26.2608 THB today (29 September 2026). That’s close to the Sing dollar’s strongest showing against the baht in over a year.
Whether you’re heading to Bangkok, Phuket, or Chiang Mai, knowing the current SGD to THB rate, where to exchange, and how to avoid losing money to hidden fees can make a real difference to your trip budget.
As of 29 September 2026, the SGD to THB exchange rate is 1 SGD = 26.2608 THB — up 5.22% from a year ago, and closing in on the 5-year peak of ~27.30 (2023–24). Good news if Thailand’s on your list: the Sing dollar’s had a strong run this year, so your money stretches noticeably further than it did last September.
This guide covers live SGD to THB rates, the best money changers in Singapore and Bangkok, SGD to THB forecasts, and which card gives you the best deal when spending in Thailand.
🔄 Exchange and lock in the best Thai Baht (THB) rates with YouTrip before your trip – no queues, no hidden fees.
⚡️ TL;DR: SGD to THB at a Glance
| Highlights | Details |
|---|---|
| SGD to THB rate today | 1 SGD = 26.2608 THB (29 Sept 2026) |
| 1-year change | +5.22% over the past year |
| 1Y high / low | High: ~26.60 (recent) / Low: ~23.90 (Jan 2026) |
| 5-year peak | ~27.30 THB per SGD (2023–24) |
| What is a good rate? | Anything above 25.50 is solid; above 26.50 is excellent |
| S$100 in Thai Baht | ~2,626 THB at today’s rate |
| Best exchange method (SG) | YouTrip multi-currency card — wholesale rates, zero fees |
| Best money changers (SG) | People’s Park, Lucky Plaza, The Arcade, Mustafa Centre |
| Best in Bangkok | SuperRich Thailand (BTS Asok, Central World) |
| Always avoid | Airport counters and bank exchange counters |
📚 Table of Contents
- SGD to THB Exchange Rate Today
- SGD to THB Chart & Historical Trend
- SGD to THB Forecast
- What Is a Good SGD to THB Exchange Rate?
- Why Is the Thai Baht So Strong Right Now?
- How Much Is S$100 SGD in Thai Baht?
- Best SGD to THB Exchange Rate in Singapore
- Best SGD to THB Money Changers in Singapore
- CashChanger: Compare SGD to THB Rates Online
- Is It Better to Exchange in Singapore or Thailand?
- Cash, Card, or YouTrip?
- How to Pay in Thailand
- How Much Money Should I Bring to Thailand?
- FAQs
SGD to THB Exchange Rate Today
As of 29 September 2026, the live SGD to THB rate is:
- 1 SGD = 26.2608 THB
- S$100 SGD = 2,626 THB
The Sing dollar is up 5.22% against the baht over the past year. After a dip to around 23.90 in January 2026, the SGD has climbed steadily and now sits near its 1-year high — a much stronger position than a year ago.
Zoom out 5 years, and it’s a smaller gain: SGD is up 6.15% against the baht. That’s a lower percentage than the 1-year figure. It just means the rate 5 years ago was already closer to today’s level than the rate 12 months ago was. The 5-year peak was ~27.30 in 2023–24. The all-time low? Around 20, back in 2008.
💡 Pro tip for Singaporean travellers: Lock in rates using YouTrip to avoid bank markups and save on every THB spent!
SGD to THB Chart & Historical Trend
| Time Frame | High | Low | Change |
|---|---|---|---|
| 1 Year (Sep 2025–Sep 2026) | ~26.60 (recent) | ~23.90 (Jan 2026) | +5.22% |
| 5 Years | ~27.30 (2023–24) | ~22.00 (2025) | +6.15% |
| All-Time (MAX) | ~27.30 (2024) | ~20.00 (2008) | +13.01% |
The Sing dollar dipped against the baht through late 2025, bottoming near ~23.90 in January 2026, then climbed steadily to ~26.26 today. So while the baht had a genuinely strong run for most of 2025, the trend’s swung firmly in the Sing dollar’s favour since — up 5.22% on the year, and up 6.15% over five years. Keep it in perspective, but the timing’s good if you’re heading over soon.
SGD to THB Forecast
| Period | Forecast High | Forecast Low | What to watch |
|---|---|---|---|
| Q4 2026 (Oct–Dec) | ~27.00 | ~25.50 | Near multi-year highs; could ease if the Bank of Thailand steps in to cool the baht again, as it did in 2025 |
| Q1 2027 (Jan–Mar) | ~26.75 | ~24.75 | Post-holiday demand for baht typically softens, which can nudge the rate down slightly |
Bottom line: The SGD to THB rate looks set to trade broadly in the 25–27 range into early 2027. We don’t pretend to predict currency moves — but at ~26.26 today you’re already in a strong window, so if you’ve got a trip coming up, there’s a fair case to lock in your THB via YouTrip’s Thai Baht Wallet rather than wait.
💡 Pro tip: Set a rate alert in the YouTrip app or on XE.com for when SGD to THB crosses 26.75. You’ll get a notification when it’s time to convert.
What Is a Good SGD to THB Exchange Rate?
| Rate (1 SGD = X THB) | Rating | What It Means |
|---|---|---|
| 26.50 and above | 🟢 Excellent | Near 5-year highs (~27.30 in 2023–24) — exchange now |
| 25.50–26.49 | 🟡 Good | Around today’s rate (26.26) — a strong time to exchange |
| 25.00–25.49 | 🟠 Average | Below today’s rate — typical market conditions |
| Below 25.00 | 🔴 Weak | Near recent lows — wait if you can, or use YouTrip for 0-fee access |
Right now at 26.26, we’re firmly in Good territory, closing in on the 26.50 “Excellent” mark. The 1-year high of ~26.60 was the sweet spot, and we’re almost there. Set a rate alert for 26.75+ if you want to hold out for the very top.
Why Is the Thai Baht So Strong Right Now?
The baht had a remarkable run through 2025 — it was one of Asia’s strongest currencies, gaining around 9% against the USD. It’s eased back against the Sing dollar in 2026 (which is why the Sing dollar is up on the year), but it’s still firm by historical standards. Here’s what drove the rally:
- Weakening US Dollar — Fed rate cuts made the USD softer, which lifted Asian currencies, including THB.
- Surging Gold Prices & Trading — Thailand has a huge gold trading scene; rising prices prompt traders to sell USD and buy THB en masse.
- Capital Inflows & Foreign Investment — Direct equity investment into Thailand grew in 2024 and kept climbing in 2025.
- Tourism Recovery — More foreign tourists converting currencies into THB adds demand.
- Foreign Bond Purchases — Net purchases of Thai government bonds by foreign investors created additional THB demand.
⚠️ Worth knowing: At the peak, even Thailand’s own Finance Minister called the baht “too strong,” saying it was hurting the economy, and the Bank of Thailand stepped in to slow the inflows driving it up. That’s part of why the Sing dollar has clawed back ground through 2026 — handy timing for Singaporean travellers.
How Much Is S$100 SGD in Thai Baht?
| SGD Amount | THB Exchanged |
|---|---|
| S$50 | 1,313 THB |
| S$100 | 2,626 THB |
| S$200 | 5,252 THB |
| S$500 | 13,130 THB |
| S$1,000 | 26,261 THB |
SGD equivalents based on ~26.2608 THB = S$1 (mid-market, 29 September 2026).
Best SGD to THB Exchange Rate in Singapore
Not all exchange methods are created equal — and some will quietly eat into your baht without you noticing. Here’s the honest breakdown:
| Method | Fees | Convenience |
|---|---|---|
| YouTrip Card | $0 fees | Very High |
| Money Changers (SG) | Spread only | Medium |
| Wise / Revolut | 0.19–1% | High |
| Bank (DBS/OCBC/UOB) | 2–3%+ markup | High |
| Credit Card (overseas) | 2–3.25% | High |
| Airport Counter | High markup | High |
YouTrip gives you the best SGD to THB rate in Singapore. You’re getting wholesale Mastercard rates with zero extra fees — no markups, no hidden charges. Banks and credit cards will cost you 2–3% on every single transaction, and those fees stack up fast on a long trip.
YouTrip vs Other Travel Cards: SGD to THB Cost Comparison
Here’s a side-by-side for paying 10,000 THB in Thailand:
| Card | SGD to THB Rate | Fees | SGD Cost for 10,000 THB |
|---|---|---|---|
| YouTrip 👑 | 1 SGD = 26.23 THB | S$0 | ~S$381.24 |
| Revolut | 1 SGD = 26.22 THB | 1% on weekends | ~S$381.39 |
| Wise | 1 SGD = 26.10 THB | From 0.19% currency conversion fee | ~S$383.14 |
| Bank Card | 1 SGD = 25.84 THB | Up to 3.25% | ~S$387.00 |
⚠️ Note: Card rates above are scaled from the last verified figures using today’s mid-market move — pull live rates from each provider’s app before publishing, since effective card rates shift daily. Total SGD cost excludes fees.
Best SGD to THB Money Changers in Singapore
Prefer to bring physical cash? These Singapore money changers are worth heading to for competitive SGD to THB rates:
| Location | Area | Notes |
|---|---|---|
| People’s Park Complex | Chinatown | Largest concentration of money changers in SG |
| The Arcade | Raffles Place | Popular with CBD workers; competitive THB rates |
| Lucky Plaza | Orchard Road | Convenient for Orchard shoppers |
| Mustafa Centre | Little India | Open 24 hours; solid THB rates |
| Parkway Parade | Marine Parade / East | Convenient for East-side residents |
| Alternative: YouTrip | Mastercard-accepted ATMs | Up to S$400 in free overseas ATM withdrawals every month! *2% fee applies thereafter |
⚠️ Skip Changi Airport: The SGD to THB rates at airport money changers are consistently poor. Exchange in the city before you fly, or skip the queue and withdraw cash overseas — it takes 5 minutes and you’ll thank yourself later.
CashChanger: Compare SGD to THB Rates Online
Not sure which money changer is offering the best SGD to THB rate today? CashChanger (cashchanger.co) does the comparison for you — it’s free, updated throughout the day, and covers money changers all across Singapore.
How to use it:
- Visit cashchanger.co and search SGD to THB
- Compare live rates from verified money changers across Singapore
- Filter by location (Orchard, City Hall, Chinatown, etc.)
- Rates update throughout the day — check before you head down
Bonus: CashChanger covers Bangkok too, so you can check SuperRich’s SGD to THB rate before you even land.
Is It Better to Exchange in Singapore or Thailand?
| Method | Exchange in Singapore | Exchange in Thailand |
|---|---|---|
| YouTrip card 👑 | Lock in your THB wallet in-app before you fly: wholesale rate, zero fees | Same wholesale rate, zero fees — tap to pay anywhere Mastercard’s accepted |
| Money changer | Good rates at People’s Park, Lucky Plaza | Excellent rates at SuperRich, Grand SuperRich |
| Bank counter | Avoid — high markup | Avoid — high markup |
| ATM withdrawal | N/A | Withdraw with YouTrip (free up to S$400/month) |
| Airport counter | Avoid — poor rates at Changi | Avoid — poor rates at Suvarnabhumi |
Our take: For cash, Bangkok’s SuperRich often edges out Singapore money changers by a small margin. But if you’re using YouTrip, it doesn’t matter where you are — you’re always getting the best available rate with zero fees.
Cash, Card, or YouTrip?
Honestly? Use both. Here’s how to split it smartly:
- YouTrip Card (recommended for most payments) — Use for hotels, shopping malls, restaurants, Grab rides, and any larger purchases. You’ll always get the best available rate with zero transaction fees. Top up your THB wallet in-app before your trip to lock in a good rate.
- Cash (Thai Baht) — Carry some for street food, night markets, tuk-tuks, small vendors, and local temples where cards aren’t accepted.
- Credit Card — Avoid using standard Singapore credit cards overseas unless your card has 0% FX fees. Most charge 2–3.25% on every THB transaction — those fees add up fast.
The sweet spot: Bring a bit of cash for markets and street food, and let YouTrip handle everything else. Simple, stress-free, and you’re always on a great rate.
How to Pay in Thailand
The YouTrip card is a prepaid Mastercard, so it works anywhere in Thailand that accepts Mastercard payments. Here’s where you can use it:
- 🛍️ Stores, malls & restaurants: Pay for shopping, meals, cafés and attraction tickets just like a regular prepaid card. If they accept card payments, YouTrip works.
- 🚝 Public transport (MRT): In Bangkok, you can tap your card at MRT gantries or use it at ticket machines and counters for train rides.
- 🚗 Grab & Bolt rides: Link your YouTrip card to Grab or Bolt for seamless e-hailing payments at competitive exchange rates — no surprise FX charges after your trip.
How Much Money Should I Bring to Thailand?
How much baht you need really depends on where you’re going and how you travel. Here’s a rough daily guide:
| Travel Style | THB/Day | SGD/Day (est.) | Examples |
|---|---|---|---|
| Budget | 1,000–1,500 THB | ~S$40–60 | Hostels, street food, local transport |
| Mid-range | 2,000–3,000 THB | ~S$80–120 | 3-star hotels, sit-down meals, taxis |
| Luxury | 4,000+ THB | ~S$160+ | 5-star resorts, fine dining, private tours |
Didn’t get to exchange before your trip? No stress — just withdraw THB from Bangkok ATMs using your YouTrip card. You get free withdrawals of up to S$400 in foreign currency per calendar month, with a 2% fee after that.
FAQs: SGD to Thai Baht
As of 29 September 2026, 1 SGD = 26.2608 THB (mid-market), up about 5% year-on-year. Always check the live rate in the YouTrip app or XE before exchanging.
Above 25.50 THB per SGD is solid; 26.50+ is excellent. At ~26.26 today, you’re in a strong window.
At 26.2608, S$100 ≈ 2,626 THB. A year ago (~24.96), the same S$100 would have got you only about 2,496 THB — so you’re better off today by around 130 THB.
A softer USD, gold flows, and stronger foreign investment pushed the baht up through 2025. It eased back against the Sing dollar in 2026 as Thai authorities moved to cool it, but it remains firm by historical standards.
For cash, Bangkok money changers often edge out Singapore by 0.5–1 THB. For card payments, YouTrip gives you wholesale rates with no FX fees wherever you are.
YouTrip offers competitive in-app rates anytime. For physical cash, check major money changer hubs like Chinatown or Orchard and compare rates first.
Most projections place the pair roughly between 25 and 27 into early 2027. A return above 27.30 looks possible but isn’t guaranteed.
Yes — it works anywhere Mastercard is accepted, including malls, restaurants, transport and hotels. You also get up to S$400 in free overseas ATM withdrawals monthly, with a 2% fee thereafter.
Use comparison platforms that aggregate live money changer rates across Singapore and Bangkok, or use the YouTrip app to compare live THB rates.
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Ready for Your Trip to Thailand?
And just like that, you’ve locked in the best THB exchange rates! Head over to your YouTrip app and make the switch from SGD to Baht now!
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Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more!
Happy travels!
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