Looking for the best SGD to NZD exchange rate in Singapore?
Whether you’re heading to New Zealand for a holiday, studying over there, or just tracking the currency, this guide covers everything you need to know about SGD to NZD rates, the 2026 forecast, and the smartest ways to convert your money.
The Singapore dollar has edged up against the Kiwi over the past year, so New Zealand is a touch friendlier on the wallet than it was 12 months ago. The catch: the way you pay still decides how much you actually keep, and that’s where most people quietly lose money without realising.
⚡️ TL;DR: SGD To NZD At A Glance
| Key Information | Details |
|---|---|
| Current SGD to NZD rate | 1 SGD = 1.34 NZD (as of 8 Jun 2026) |
| 100 SGD to NZD | Approximately 134 NZD |
| 1,000 SGD to NZD | Approximately 1,336 NZD (~S$1,000) |
| 1-year change | +3.69% (SGD edged up against the Kiwi dollar) |
| 5-year change | +26.33% (SGD much stronger over the long run) |
| NZD trend | Stabilised in 2026 — RBNZ done cutting, firm dairy prices |
| Best exchange method | Multi-currency cards (YouTrip) at the wholesale rate, 0% markup |
| Cash needed in New Zealand? | Minimal. New Zealand is highly cashless, cards work nearly everywhere |
📚 Table of Contents:
- SGD to NZD Exchange Rate Today
- SGD to NZD Chart & Historical Trends
- SGD to NZD Rate Forecast 2026
- Understanding SGD to NZD Conversion
- Where to Get the Best SGD to NZD Rate
- SGD to NZD Rate Comparison: YouTrip vs Banks vs Cash
- Using YouTrip for SGD to NZD Exchange
- How to Lock In the Best NZD Rates with YouTrip
- Using YouTrip in New Zealand
- Do You Need Cash in New Zealand?
- FAQs
What Is The SGD To NZD Exchange Rate Today?
Image Credits: Google
Current SGD to NZD rate (8 Jun 2026): 1 SGD = 1.34 NZD
Every Singapore Dollar converts to about 1.34 New Zealand Dollars right now. That’s up roughly 3.7% over the past year, so your Sing dollar buys a little more Kiwi than it did 12 months ago, though the move has been gentle rather than dramatic.
Over the past year the rate has mostly traded between about 1.28 and 1.37, so today’s level sits comfortably in the upper half of that band. Zoom out and the picture is firmly in your favour: the SGD is up about 26% against the New Zealand Dollar over five years.
Quick conversions at the current SGD to NZD rate:
- 100 SGD to NZD = 134 NZD (~S$100)
- 500 SGD to NZD = 668 NZD (~S$500)
- 1,000 SGD to NZD = 1,336 NZD (~S$1,000)
- 5,000 SGD to NZD = 6,679 NZD (~S$5,000)
The SGD to NZD rate moves daily on the back of central bank decisions, commodity prices, and market sentiment between Singapore and New Zealand.
Where to check live SGD to NZD rates:
- Google / XE.com: quick reference for the mid-market rate (not the rate you’ll actually get at a counter)
- Bank sites (DBS, OCBC, UOB): official rates with the bank’s markup baked in
- YouTrip app: the live wholesale rate via the Mastercard currency converter, which is the rate you’ll genuinely pay
- Money changer aggregators (CashChanger.co, Get4x): for comparing physical cash rates before you head down
The catch: Google’s rate is reference only. What matters is the net rate after fees.
SGD To NZD Chart & Historical Trends
Knowing where the SGD to NZD rate has been helps you judge whether today’s rate is a good one for travel, study, or sending money over.
Image Credits: Google
5-Year SGD to NZD overview (2021–2026):
| Year | Approx. rate range | Key trend |
|---|---|---|
| 2021 | 1.05–1.10 | SGD building strength vs the Kiwi |
| 2022 | 1.08–1.26 | SGD surged as the NZD slid |
| 2023 | 1.20–1.26 | Held near the highs |
| 2024 | 1.20–1.30 | Consolidated around 1.23–1.28 |
| 2025 | 1.29–1.36 | SGD pushed to fresh highs |
| 2026 (to date) | 1.31–1.37 | Range-bound near 1.33–1.34 |
💡 Over the past five years, the Singapore Dollar is up about 26% against the NZD, and it’s still grinding gently higher in 2026. So New Zealand has become steadily cheaper for Singaporeans over the long run, even if the past year’s move has been modest.
SGD To NZD Rate Forecast 2026: What’s Ahead?
The SGD to NZD rate has crept up from about 1.29 a year ago to 1.34 today, so the Singapore dollar still has the upper hand, just not by much. Here’s what’s pulling each way.
Why the New Zealand dollar has steadied (less SGD upside than before):
- RBNZ is done cutting: The Reserve Bank of New Zealand held its Official Cash Rate at 2.25% on 27 May 2026, its third consecutive hold, and the Committee has signalled it expects to raise the OCR later this year. Steadier yields put a floor under the Kiwi.
- Firm export prices: Dairy and meat prices, New Zealand’s biggest earners, have held up well, supporting the economy and the currency rather than dragging on it.
- Sticky inflation: New Zealand inflation is tracking above 4% in 2026, largely on higher fuel costs, which keeps the RBNZ leaning hawkish rather than dovish.
Why the Singapore dollar is still fundamentally strong:
- MAS policy: The Monetary Authority of Singapore’s measured, stability-focused approach keeps the SGD resilient.
- Economic fundamentals: Steady growth, low risk, and political stability support demand for the SGD.
- Financial hub status: Singapore’s regional role and consistent trade surpluses underpin the currency.
Where the rate may land: Most views see the SGD to NZD rate holding broadly in the 1.30–1.36 band through the rest of 2026, rather than swinging hard either way. That said, currency calls shift with the news, so treat any number as a guide, not a promise ⚠️
💡 Travel tip: If you’ve got New Zealand on the cards, keep half an eye on the SGD to NZD chart and convert on a stronger day. For larger amounts, exchanging in portions helps you average out the ups and downs.
Understanding SGD To NZD Conversion
The simple version: NZD received = SGD × the exchange rate. The real difference comes from the fees and markups layered on top. Take 100 SGD at today’s mid-market rate of 1 SGD = 1.3358 NZD:
- 100 SGD = 133.58 NZD at the wholesale rate
But what you actually pocket depends on how you convert:
| Method | NZD received for 100 SGD |
|---|---|
| YouTrip (0% markup) | ~133.60 NZD |
| Money changer (1–2%) | ~131–132 NZD |
| Bank (3–4%) | ~128–130 NZD |
| Credit card (FX + fees) | ~129 NZD |
Rates taken as of 8 Jun 2026
Small percentages add up fast, especially on a full trip’s worth of spending.
💡 Tip: Use YouTrip’s in-app exchange to convert your SGD to NZD in advance at the wholesale rate, so a wobble in the market doesn’t eat into your holiday budget.
Where To Get The Best SGD To NZD Rate
Getting the best SGD to NZD rate can save you a real chunk of money, whether you’re converting a little or a lot. Here’s how the options stack up.
1. 🏆 Multi-currency travel cards (top choice)
A card like YouTrip gives you:
- The wholesale exchange rate, with no markup added on top
- Zero foreign transaction or conversion fees
- The ability to lock in NZD in advance
- Everything managed in-app, no queuing
For most travellers, this is the cheapest, most convenient way to convert SGD to NZD, and it’s why a multi-currency card wins on rate and fees combined. (Other apps exist, but once you account for weekend surcharges and variable fees, YouTrip’s flat 0% markup is hard to beat.)
2. Licensed money changers
Physical money changers offer competitive cash rates, usually better than banks, with a typical markup of around 0.3–1.5% and no transaction fee. Rates vary a fair bit between shops, so compare on CashChanger.co before you go. The downsides: you’re queuing, carrying cash, and locked into the board rate that day. In a cashless country like New Zealand, you won’t need much physical cash anyway.
3. Banks
Convenient if you already bank there, but banks bake in markups of roughly 1–4% over the mid-market rate, plus the odd service fee. Rarely the best rate going.
4. Credit cards
Standard credit cards hit you with foreign transaction fees of 2–3.5%, plus the risk of Dynamic Currency Conversion (DCC) quietly converting at a worse rate at the till. Fine for emergencies, not for planned spending.
SGD To NZD Rate Comparison: YouTrip vs Banks vs Cash
Here’s what you’ll pay to spend 1,000 NZD (~S$749) in New Zealand across different methods:
| Card | SGD to NZD rate | Fees | SGD charged for 1,000 NZD |
|---|---|---|---|
| YouTrip | 1 SGD = 1.3360 NZD | S$0 | S$748.50 👑 |
| Bank Cards | 1 SGD = 1.3192 NZD | up to 3.5% | S$775.73 |
| Revolut | 1 SGD = 1.3358 NZD | S$0 (1% on weekends) | S$748.62 |
| Wise | 1 SGD = 1.3331 NZD | From 0.2% (fee included in the rate) | S$750.13 |
Rates taken as of 8 Jun 2026.
🔎 On rate and fees combined, YouTrip comes out cheapest, so you hand over less SGD for the same Kiwi dollars. The gap looks small per transaction, but a bank card could cost you around S$27 more on a single 1,000 NZD spend, and that stacks up fast across a whole trip.
Using YouTrip For SGD To NZD Exchange
YouTrip is one of Singapore’s most popular multi-currency cards for converting SGD to NZD at a competitive rate. Here’s why it works:
- Wholesale rates: YouTrip uses the Mastercard wholesale exchange rate with zero markup, so you get close to what you see on Google or XE.com, instead of a bank’s inflated rate.
- Zero hidden fees: No foreign transaction fee, no conversion fee, unlike credit cards that often charge 2–3% per transaction.
- Lock in NZD anytime: NZD is one of YouTrip’s wallet currencies, so you can convert and hold it in-app ahead of your trip, shielding your budget from currency swings.
- Genuinely convenient: Skip the money changer queue. Convert instantly, tap to pay, and withdraw cash at ATMs when you need it.
- MAS licensed and regulated: Fully licensed by the Monetary Authority of Singapore (MAS), with built-in security so you can carry less cash.
How To Lock In The Best NZD Rates With YouTrip
In a nutshell, YouTrip works to “unpinch” your wallet so you’re not bleeding money on exchange margins. Locking in NZD takes about a minute:
Here’s how to exchange SGD to NZD on YouTrip:
- Top up the amount of SGD you want to convert in your YouTrip wallet
- Tap on the Exchange icon and let Smart Exchange™ do the work
- You’ll see the major currencies available for real-time currency exchange and conversion – pick NZD!
- That’s it, your NZD is locked in at the wholesale rate 🎉
Using YouTrip In New Zealand
Your YouTrip prepaid Mastercard works seamlessly across New Zealand:
- Accepted anywhere Mastercard is, which is nearly everywhere
- Contactless tap-and-go is the norm
- Tap on for public transport in Auckland (AT HOP-enabled readers) and most city networks
- Book accommodation, tours, and activities online
- Withdraw cash from ATMs when you need it (though you rarely will)
- No foreign transaction fees on any purchase
Do You Need Cash In New Zealand?
Honestly, not much. New Zealand is one of the most cashless countries going, and cards or contactless are accepted almost everywhere. Still, it’s worth keeping a little cash for:
- Cash-only small businesses, markets, and roadside stalls
- Rural areas, small towns, and the more remote parts of the South Island
- Some i-SITE visitor spots, campsites, and DOC huts
When you do need notes, withdraw them from an ATM in New Zealand with YouTrip rather than changing cash before you fly. Money changers and banks back home build a markup into their cash rate, so you quietly lose a few percent before you’ve spent a cent.
Pulling NZD from an ATM gets you the wholesale rate instead. Your first S$400 of ATM withdrawals each calendar month is free, then 2% after that, and the allowance resets on the 1st. New Zealand’s major-bank ATMs (ANZ, ASB, BNZ, Westpac, Kiwibank) generally don’t add their own fee, though some independent or retail ATMs may charge a small one.
ATM fees are subject to change; verify on screen before withdrawal.
FAQs
As of 8 June 2026, the SGD to NZD exchange rate is approximately 1 SGD = 1.34 NZD. Rates move daily with market conditions.
The rate has crept up from about 1.29 a year ago to 1.34 now, but the move has been gentle. The New Zealand dollar has steadied as the RBNZ finished its cutting cycle (holding the OCR at 2.25%) and firm dairy prices supported the economy.
Most forecasts expect the rate to hold broadly in the 1.30–1.36 range through the rest of 2026, though currency calls shift with global news, so treat any figure as a guide rather than a guarantee.
The Sing dollar buys a little more Kiwi than it did a year ago and far more than five years ago, so New Zealand stays relatively affordable for Singaporeans. Watch the chart and convert on days the SGD looks firmer, and for big amounts, change in portions to average out the swings.
The RBNZ has wrapped up its rate cuts, holding the Official Cash Rate at 2.25% and signalling possible hikes later in 2026, while dairy and meat export prices have held firm. Together, those put a floor under the Kiwi, so it’s no longer sliding the way it was in 2025.
For most travellers, a multi-currency card like YouTrip. It uses the wholesale Mastercard rate with no markup and no fees, which typically beats banks, money changers, and credit cards once you account for what each one quietly adds on.
Very little. New Zealand is highly cashless, so a card covers almost everything. Keep a small amount for markets, rural spots, and remote South Island stops, and withdraw it from a New Zealand ATM with YouTrip rather than changing cash at home, where money changers and banks tack on a markup over the mid-market rate. An ATM withdrawal gives you the wholesale rate instead.
Other Currency Guides
💜 YouTrip Exchange Rates | 🇯🇵 SGD To JPY | 🇲🇾 SGD To MYR | 🇹🇭 SGD to THB | 🇺🇸 SGD to USD | 🇪🇺 SGD to EUR | 🇨🇳 SGD to CNY | 🇰🇷 SGD To KRW | 🇮🇩 SGD to IDR | 🇦🇺 SGD To AUD | 🇻🇳 SGD To VND | 🇳🇿 SGD to NZD | 🇹🇼 SGD To TWD | 🇭🇰 SGD to HKD | 🇬🇧 SGD to GBP | 🇨🇭 SGD to CHF
Ready for Your Kiwi Trip?
The Singapore dollar still has the edge over the Kiwi, but smart spending is what actually keeps it in your pocket. Know today’s rate, keep half an eye on the forecast, and let a fee-free multi-currency card like YouTrip convert your SGD to NZD at the wholesale rate, so more of your money ends up where it belongs: your holiday.
Not a YouTrooper yet? Singapore’s go-to multi-currency wallet helps you save with great FX rates and zero fees. Skip the money changer and get a free YouTrip card + S$5 YouTrip credits with code <YTBLOG5>.
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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*All currency conversion rates are accurate to the nearest 10 cents on 11 Mar 2025. Bank card prices are calculated based on 3.5% foreign currency transaction fee.
