Heading to Canada? Here’s what your Singapore dollar actually buys right now
As of 21 October 2026, 1 SGD buys about 1.1001 CAD, and the Singapore dollar has gained 1.90% against the Canadian dollar over the past year. That’s a modest edge, not a windfall, so the bigger question isn’t when to convert. It’s how to convert without losing 2 to 3% of your trip budget to fees you never see quoted upfront.
⚡️ TL;DR: SGD to CAD at a Glance
| Highlights | Details |
|---|---|
| Current SGD to CAD rate | 1 SGD = 1.1001 CAD |
| 100 SGD to CAD | ~110 CAD |
| YoY trend | SGD up +1.90% against CAD (1Y) |
| Is SGD stronger than CAD? | Yes, by unit: 1 SGD buys more than 1 CAD |
| Best way to spend in Canada | Tap your card at the live rate; top up from an ATM when you land |
📚 Table of Contents
- SGD to CAD Exchange Rate Today
- Is the Singapore Dollar Stronger Than the Canadian Dollar?
- SGD to CAD Rate History and Forecast
- Is It a Good Time to Exchange SGD to CAD?
- How to Exchange SGD to CAD in Singapore
- Best Way to Spend CAD in Canada as a Singapore Traveller
- How Much CAD Cash Should You Bring to Canada?
- FAQ
SGD to CAD Exchange Rate Today
1 SGD converts to 1.1001 CAD as of 21 October 2026, per the mid-market rate. Flip it around and 1 CAD buys about S$0.91. The pair has pulled back slightly from a recent high above 1.12 in early October, but it’s still sitting near the top of its 12-month range.
SGD to CAD conversion table
| SGD | CAD (approx.) |
|---|---|
| S$1 | 1.10 CAD |
| S$100 | 110.01 CAD |
| S$500 | 550.05 CAD |
| S$1,000 | 1,100.10 CAD |
CAD to SGD conversion table
| CAD | SGD (approx.) |
|---|---|
| 100 CAD | ~S$91 |
| 500 CAD | ~S$455 |
| 1,000 CAD | ~S$909 |
SGD equivalents based on ~1.1001 CAD = S$1, as of 21 Oct 2026. ⚠️ Rates move daily, verify the live rate before you convert.
If you’re actually trying to work out what a Canadian salary, invoice, or online purchase is worth in Singapore dollars, not the other way round, the second table above is the one you want.
📖 Related Guide: Wondering what your Singapore dollar is worth elsewhere? Our SGD to USD rate guide covers the pair most online prices get quoted in first.
Is the Singapore Dollar Stronger Than the Canadian Dollar?
Yes, per unit. 1 SGD buys about 1.10 CAD, which means each Singapore dollar is worth more than each Canadian dollar on a straight conversion. That’s not the same as saying the Canadian dollar is “weak”, though. It just means the two currencies trade at different face values, the same way 1 British pound buys more than 1 US dollar without the pound being unusually strong.
Is SGD Weak Right Now?
No. If anything, the opposite is true for this pair. The Singapore dollar has gained +1.90% against the Canadian dollar over the past year alone, and it’s up +20.02% over five years. The Monetary Authority of Singapore manages the SGD against a basket of trading-partner currencies, and the currency has held up well through 2026 against most of them.
📖 Related Guide: Curious how YouTrip actually prices your conversion? Our YouTrip exchange rates explained guide walks through the wholesale rate you get on every transaction.
SGD to CAD Rate History and Forecast
The SGD has strengthened against the CAD over the past 12 months, up +1.90% to today’s 1.1001. Zoom out further, and the trend is even clearer: the SGD has gained +20.02% against the CAD over five years, climbing from around 0.92 CAD back in late 2021 to today’s rate.
| Period | Approx. Rate | Trend |
|---|---|---|
| Late 2021 | ~0.92 CAD | Five years ago, near the low |
| Dec 2025–Mar 2026 | ~1.06–1.07 CAD | 12-month low |
| Jul 2026 | ~1.09–1.11 CAD | Climbing back |
| Sep–Oct 2026 | ~1.11–1.12 CAD | 12-month high |
| 21 Oct 2026 | 1.1001 CAD | Pulled back slightly from the high |
Don’t treat any forecast for this pair as gospel. Both currencies move on their own central bank decisions, commodity prices (CAD leans on oil), and broader US dollar strength, and nobody can call the exact top or bottom. What’s useful is the range. SGD to CAD has traded roughly between 1.06 and 1.12 over the past year, so anything inside that band is a normal rate, not a reason to rush or wait.
📖 Related Guide: Tracking a different pair? Our SGD to EUR rate guide breaks down the same kind of 12-month trend for Europe-bound trips.
Is It a Good Time to Exchange SGD to CAD?
Yes, the rate’s near the top of its 12-month range right now, so this is a reasonable window to convert if your trip is coming up soon.
But don’t agonise over nailing the exact peak. It’s nearly impossible to time. The difference between 1.09 and 1.11 on a typical S$1,000 holiday budget is about 20 CAD (~S$18), which is nothing compared to what a bad conversion method can cost you.
Timing isn’t what matters most here. What matters is avoiding the 2 to 3% that banks, airport counters, and dynamic currency conversion quietly take off the top of every transaction. Get that part right, and the exact day you convert barely matters.
📖 Related Guide: Watching a different pair for a UK trip? Our SGD to GBP rate guide covers the same timing question for the pound.
How to Exchange SGD to CAD in Singapore
Banks
Singapore banks like DBS, OCBC, and UOB will convert SGD to CAD, whether through a multi-currency account, a telegraphic transfer, or a straight credit card charge in CAD. The catch is the rate they quote typically bakes in a spread on top of the mid-market rate, rarely shown as a separate line item.
Checking what DBS, OCBC, or UOB will give you specifically? Compare their quoted rate against the live mid-market rate above before committing.
Singapore Money Changers
Licensed money changers will take your SGD and hand over CAD cash on the spot, and some, like Silver River Money Changer, typically quote rates close to the mid-market level. The trade-off is you’re locking in a rate on a currency you’d only use for the cash portion of your trip.
Most money changers also mark up less-common pairs like CAD more than they do USD or EUR. If a money changer is quoting you a rate noticeably worse than 1.10, that markup is the reason.
Remittance Apps
Apps like Wise, RemitBee, and Panda Remit convert SGD to CAD too, but they’re built for sending money, not spending it. If you’re wiring rent to a landlord in Toronto or paying a Canadian supplier, that’s the right tool. If you’re a traveller who needs cash and card spend on a trip, a remittance app isn’t solving your problem. Skip straight to how you’ll actually pay once you’re there.
📖 Related Guide: Not sure which route actually saves you money? Our guide to exchanging money in Singapore vs overseas breaks down where the real costs hide.
Best Way to Spend CAD in Canada as a Singapore Traveller
Paying by Card in CAD
CAD isn’t one of YouTrip’s 12 lockable wallet currencies (those are SGD, MYR, THB, JPY, NZD, USD, EUR, GBP, AUD, CHF, SEK, and HKD). That’s not a gap worth worrying about.
Tap your YouTrip card anywhere in Canada that accepts Mastercard. Every purchase auto-converts from your SGD balance at the live wholesale rate with 0% FX markup, billed the moment you pay. That beats a regular Singapore credit card, which typically adds a 3.25% foreign transaction fee on top of whatever rate it uses.
Withdrawing CAD at a Canadian ATM
For the cash-only spots, like small cafes, farmers markets, or a tip jar, withdraw CAD from an ATM after you land rather than exchanging before you leave. Your first S$400 in overseas ATM withdrawals each calendar month is free with YouTrip, then a flat 2% applies after that. The allowance resets on the 1st of every month.
Canadian ATMs often add their own on-screen surcharge too, usually a few dollars per withdrawal, so a single larger withdrawal beats several small ones. That combination still comes out well ahead of a money changer, which quietly builds a markup of a few percent into the rate rather than listing a fee you can see.
📖 Related Guide: Planning the cash side of your trip in more detail? Our Canada ATM withdrawal guide covers Big 5 bank fees, surcharges, and which machines to avoid.
How Much CAD Cash Should You Bring to Canada?
Canada is heavily card-friendly, even more so than most of Southeast Asia, so you don’t need to arrive with a thick wad of CAD. A realistic starting point is 100 to 200 CAD (~S$91–S$182) in cash. That covers a cab from the airport, a tip here and there, and the odd small vendor or market stall that’s cash-only.
Top it up from an ATM as you go rather than carrying a large amount from day one. You’ll get the live rate on each withdrawal instead of guessing how much you’ll need two weeks out, and you’re not stuck holding leftover CAD once you’re home.
📖 Related Guide: Heading south of the border too? Our US ATM withdrawal guide covers the same fee traps for a North America trip.
FAQ
As of 21 October 2026, 1 SGD equals 1.1001 CAD. The rate moves daily, so check a live source like Xe or your bank’s app before converting a specific amount.
Yes, by unit value. 1 SGD buys more CAD than 1 CAD buys SGD, currently a ratio of about 1.10 to 0.91. This doesn’t mean the CAD is weak, just that the two currencies have different face values.
100 CAD converts to roughly S$91 at the current mid-market rate. Use the conversion table above for other amounts, and re-check the live rate if you’re converting a larger sum.
A multi-currency card that uses the wholesale rate, like YouTrip, generally beats banks and money changers for both card spend and ATM withdrawals in Canada. Remittance apps like Wise are a better fit if you’re sending money rather than spending it on a trip.
No. CAD isn’t one of YouTrip’s 12 lockable wallet currencies, so there’s no CAD top-up or pre-lock option. Card spending in Canada still converts from your SGD balance automatically at the wholesale rate with 0% FX markup, so there’s nothing to set up in advance.
After you land, generally. Withdrawing CAD from an ATM in Canada with a card like YouTrip gets you the live wholesale rate, with the first S$400 each month free. Pre-exchanging at a Singapore money changer means accepting a built-in markup you can’t see quoted anywhere.
📖 Related Guide: Planning a multi-stop trip? Our SGD to AUD rate guide covers the same questions for an Australia leg.
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 | 🇦🇪 SGD to AED | 🇵🇭 SGD to PHP | 🇮🇳 SGD to INR | 🇱🇰 SGD to LKR | 🇨🇦 SGD to CAD
SGD to CAD: The Bottom Line
At 1.10 CAD to the Singapore dollar, this is a reasonably favourable window for a Canada trip. But the rate on any given day matters far less than how you spend once you’re there. Skip the pre-trip exchange, tap your card at the wholesale rate, and top up cash from an ATM when you actually need it.
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!
