{"id":1327,"date":"2025-10-23T11:14:13","date_gmt":"2025-10-23T03:14:13","guid":{"rendered":"https:\/\/www.you.co\/en-SG\/?p=1327"},"modified":"2026-04-28T15:37:53","modified_gmt":"2026-04-28T07:37:53","slug":"exchange-money-in-singapore-or-overseas","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/exchange-money-in-singapore-or-overseas\/","title":{"rendered":"Should You Exchange Money in Singapore or Overseas? (Here\u2019s What\u2019s Cheaper)"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Should you exchange money in Singapore or overseas? Both offer different exchange rates \u2014 but which gives you the&nbsp;<strong>best deal<\/strong>?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Before every trip, there\u2019s that same question:<em> &#8220;Where\u2019s the best place to exchange money in Singapore?\u201d<\/em> and&nbsp;<em>\u201cShould I change now or wait till I\u2019m overseas?\u201d<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You\u2019re not alone \u2014 most Singaporean travellers split their cash: half exchanged locally, the other half overseas. But between hidden fees, exchange rate markups, and long queues at money changers, is there a smarter way?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s break it down.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u26a1\ufe0f <strong>TL;DR: Where to Get the Best Exchange Rates in Singapore<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ud83c\udfe6 Best cash exchange spot:<\/strong>&nbsp;The Arcade @ Raffles Place \u2014 still the go-to for physical money changers.<br><\/li>\n\n\n\n<li><strong>\ud83d\udc9c Best overall way to exchange money:<\/strong>&nbsp;<strong>YouTrip<\/strong>&nbsp;\u2014 wholesale rates, zero FX fees, and no hidden markups.<br><\/li>\n\n\n\n<li><strong>\ud83d\udcc8 Best exchange rate in Singapore:<\/strong>&nbsp;<strong>YouTrip consistently beats traditional money changers<\/strong>&nbsp;with real-time app rates.<br><\/li>\n\n\n\n<li><strong>\ud83d\udccd Where to exchange money in Singapore:<\/strong>&nbsp;The Arcade, Mustafa Centre, and People\u2019s Park Complex are solid options \u2014 but digital cards like YouTrip now give far better value and convenience.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\ud83d\udcac&nbsp;<strong>Pro tip:<\/strong>&nbsp;The \u201cGoogle exchange rate\u201d you see (interbank rate) is the real deal \u2014 physical changers add a profit margin, while YouTrip gets you much closer to that mid-market rate.<\/p>\n<\/blockquote>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcda <strong>Table of Contents: <\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#should-you-exchange-money-in-singapore-or-overseas\"><strong>Should You Exchange Money in Singapore or Overseas?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#why-money-changer-rates-never-match-google\"><strong>Why Money Changer Rates Never Match Google<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#best-place-to-exchange-money-in-singapore-2025\"><strong>Best Place to Exchange Money in Singapore (2025)<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#a-modern-solution--youtrip\"><strong>A Modern Solution \u2014 YouTrip<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#change-money-anytime-anywhere\"><strong>Change Money Anytime, Anywhere<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#youtrip-vs-money-changer--real-rate-comparison\"><strong>YouTrip vs Money Changer \u2014 Real Rate Comparison<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#final-verdict-where-to-exchange-money-in-singapore\"><strong>Final Verdict: Where to Exchange Money in Singapore<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#faq-best-way-to-exchange-money-in-singapore\"><strong>FAQ<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"should-you-exchange-money-in-singapore-or-overseas\"><strong>Should You Exchange Money in Singapore or Overseas?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s be real \u2014 there\u2019s no&nbsp;<em>perfect<\/em>&nbsp;place to exchange money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Money changers in Singapore and overseas both add markups to cover costs, so you\u2019ll never get the&nbsp;<strong>interbank rate<\/strong>&nbsp;you see online. That\u2019s why most travellers just change part of their cash before leaving, and the rest once they\u2019re there.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, this split approach means double the hassle \u2014 hunting for money changers, carrying large sums, and hoping the rates don\u2019t crash overnight.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-money-changer-rates-never-match-google\"><strong>Why Money Changer Rates Never Match Google<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"900\" height=\"506\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2018\/12\/Google-rates.jpg\" alt=\"Should I Exchange Money in Singapore or Overseas?\" class=\"wp-image-1331\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2018\/12\/Google-rates.jpg 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2018\/12\/Google-rates-300x169.jpg 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2018\/12\/Google-rates-768x432.jpg 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Ever noticed that the rates on Google or XE.com always look better? That\u2019s because those are&nbsp;<strong>interbank rates<\/strong>&nbsp;\u2014 the raw rates banks use when trading currency among themselves.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Money changers (in Singapore or overseas) add a&nbsp;<strong>margin<\/strong>&nbsp;to cover rent, staffing, and profit. That\u2019s why even the best places like&nbsp;<strong>The Arcade @ Raffles Place<\/strong>&nbsp;can\u2019t quite match what you see online.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"best-place-to-exchange-money-in-singapore-2025\"><b><br><strong>Best Place to Exchange Money in Singapore (2025)<\/strong><\/b><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">If you still prefer physical cash, here are the usual top picks for&nbsp;<strong>the best place to exchange money in Singapore<\/strong>:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Location<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Best For<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>What to Know<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">\ud83c\udfe6&nbsp;<strong>The Arcade @ Raffles Place<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Best overall rates<\/td><td class=\"has-text-align-left\" data-align=\"left\">Singapore\u2019s OG money changer hub<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\ud83d\udecd\ufe0f&nbsp;<strong>Mustafa Centre (Little India)<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">24\/7 availability<\/td><td class=\"has-text-align-left\" data-align=\"left\">Great for late-night exchanges<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\ud83c\udfee&nbsp;<strong>People\u2019s Park Complex (Chinatown)<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Asian currencies<\/td><td class=\"has-text-align-left\" data-align=\"left\">Competitive CNY, THB, MYR rates<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\ud83c\udf06&nbsp;<strong>Lucky Plaza (Orchard)<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Tourist-friendly<\/td><td class=\"has-text-align-left\" data-align=\"left\">Convenient but slightly higher markups<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\u2708\ufe0f&nbsp;<strong>Changi Airport<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Last-minute changes<\/td><td class=\"has-text-align-left\" data-align=\"left\">Easiest, but lowest rates<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Still, whether you go to The Arcade or the airport,&nbsp;<strong>you\u2019ll always lose a small cut<\/strong>&nbsp;\u2014 plus, there\u2019s the risk of counterfeit notes or short-change overseas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So\u2026 what\u2019s the smarter alternative?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Check out our updated guide on the <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/best-place-to-exchange-money-in-singapore\/\">best money changers in Singapore<\/a><\/strong><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"a-modern-solution--youtrip\"><b><strong>A Modern Solution: YouTrip<\/strong><\/b><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/using-youtrip-in-korea-1.png\" alt=\"YouTrip card\" class=\"wp-image-76560\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/using-youtrip-in-korea-1.png 1080w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/using-youtrip-in-korea-1-300x300.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/using-youtrip-in-korea-1-1024x1024.png 1024w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/using-youtrip-in-korea-1-150x150.png 150w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/using-youtrip-in-korea-1-768x768.png 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Meet&nbsp;<strong><a href=\"https:\/\/apps.apple.com\/sg\/app\/youtrip\/id1228562274?mt=8\">YouTrip<\/a><\/strong>, the smarter, safer way to exchange and spend globally. Instead of paying money changer markups, YouTrip gives you&nbsp;<strong><a href=\"https:\/\/www.you.co\/sg\/blog\/what-are-wholesale-exchange-rates-how-to-use\/\" data-type=\"post\" data-id=\"1746\">wholesale exchange rates<\/a><\/strong>&nbsp;\u2014 the same ones used by banks \u2014 with&nbsp;<strong>zero FX fees<\/strong> and <strong>no hidden markups<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Just top up SGD into your wallet, and YouTrip automatically converts at the best available rate via <a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-exchange-rates\/\" data-type=\"post\" data-id=\"75556\">SmartExchange\u2122<\/a> whenever you spend abroad. No cash, no markup, no stress.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"change-money-anytime-anywhere\"><b><strong>Change Money Wherever, Whenever<\/strong><\/b><\/h2>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/sgd-to-chf-rate-singapore-2.png\" alt=\"YouTrip app\" class=\"wp-image-74685\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/sgd-to-chf-rate-singapore-2.png 1080w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/sgd-to-chf-rate-singapore-2-300x300.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/sgd-to-chf-rate-singapore-2-1024x1024.png 1024w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/sgd-to-chf-rate-singapore-2-150x150.png 150w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/sgd-to-chf-rate-singapore-2-768x768.png 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Love monitoring rates and exchanging when the price is right? YouTrip\u2019s got you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With the in-app&nbsp;<strong>Exchange<\/strong>&nbsp;feature, you can convert and&nbsp;<strong><a href=\"https:\/\/support.you.co\/hc\/en-us\/articles\/900000378763-Which-currencies-are-supported\">lock in 12 currencies<\/a><\/strong>&nbsp;in real time at the&nbsp;<strong>best available rates<\/strong>.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/sgd-to-chf-rate-singapore-3-1024x1024.png\" alt=\"YouTrip supported currencies\" class=\"wp-image-74686\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/sgd-to-chf-rate-singapore-3-1024x1024.png 1024w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/sgd-to-chf-rate-singapore-3-300x300.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/sgd-to-chf-rate-singapore-3-150x150.png 150w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/sgd-to-chf-rate-singapore-3-768x768.png 768w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/sgd-to-chf-rate-singapore-3.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The 12 major currencies available for conversion on YouTrip are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Singapore Dollar (SGD)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.you.co\/sg\/blog\/1-sgd-to-usd\/\">US Dollar (USD)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.you.co\/sg\/blog\/best-sgd-to-eur-rate\/\" data-type=\"post\" data-id=\"72841\">Euro (EUR)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.you.co\/sg\/blog\/best-sgd-to-gbp-rate\/\">British Pound (GBP)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.you.co\/sg\/blog\/from-sgd-to-yen\/\">Japanese Yen (JPY)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.you.co\/sg\/blog\/best-sgd-to-hkd-rate\/\" data-type=\"post\" data-id=\"71740\">Hong Kong Dollar (HKD)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.you.co\/sg\/blog\/from-sgd-to-aud\/\">Australian Dollar (AUD)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.you.co\/sg\/blog\/from-sgd-to-nzd\/\">New Zealand Dollar (NZD)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.you.co\/sg\/blog\/best-sgd-to-chf-rate\/\" data-type=\"post\" data-id=\"74045\">Swiss Franc (CHF)<\/a><\/li>\n\n\n\n<li>Swedish Krona (SEK)&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.you.co\/sg\/blog\/from-sgd-to-myr\/\">Malaysia Ringgit (MYR)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.you.co\/sg\/blog\/best-sgd-to-thb-rate\/\">Thai Baht (THB)<\/a><\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">All conversions use wholesale rates \u2014 and you won\u2019t pay a single fee. When the rates look good, just slide to exchange and lock it in instantly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No queues, no markups, no stress \u2014 and definitely no cash-counting at dodgy counters abroad. \ud83d\udcb5<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>try it for yourself!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"youtrip-vs-money-changer--real-rate-comparison\"><strong>Comparing Rates: YouTrip vs Money Changer<\/strong><\/h2>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Wondering how YouTrip&#8217;s exchange rates compare to the rates at money changers in Singapore? Here&#8217;s a quick comparison of our rates vs two popular money changers in Singapore: <\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Currency<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>YouTrip<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Money Changer A (Raffles Place)<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Money Changer B (Orchard Rd)<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">MYR \ud83c\uddf2\ud83c\uddfe<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>1 SGD = 3.307 MYR \ud83d\udc51<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 3.29 MYR<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 3.28 MYR<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">USD \ud83c\uddfa\ud83c\uddf8<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>1 SGD = 0.768 USD \ud83d\udc51<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 0.76 USD<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 0.750 USD<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">JPY \ud83c\uddef\ud83c\uddf5<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>1 SGD = 112.9 JPY \ud83d\udc51<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 112.2 JPY<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 112.1 JPY<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">THB \ud83c\uddf9\ud83c\udded<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>1 SGD = 25.54 THB \ud83d\udc51<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 25.45 THB<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 25.1 THB<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">GBP \ud83c\uddec\ud83c\udde7<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>1 SGD = 0.577 GBP \ud83d\udc51<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 0.562 GBP<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 0.571 GBP<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 YouTrip consistently offers&nbsp;<strong>better exchange rates<\/strong>&nbsp;than traditional money changers \u2014 and those few cents add up fast when you\u2019re exchanging larger amounts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus, it\u2019s just easier to pay by card now. And if you ever need cash, your&nbsp;<strong><a href=\"https:\/\/support.you.co\/hc\/en-us\/sections\/360000729414-ATM-Withdrawals\">YouTrip card works at ATMs worldwide<\/a><\/strong>&nbsp;for instant withdrawals.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>get the best rates with YouTrip here \ud83d\udc40<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"-final-verdict-where-to-exchange-money-in-singapore\"><strong>Lock In The Best Rates All Day With YouTrip! <\/strong><\/h2>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/photo-card-edit-3-1024x683.jpg\" alt=\"YouTrip\" class=\"wp-image-74693\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/photo-card-edit-3-1024x683.jpg 1024w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/photo-card-edit-3-300x200.jpg 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/photo-card-edit-3-768x513.jpg 768w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/photo-card-edit-3-1536x1025.jpg 1536w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/05\/photo-card-edit-3-2048x1367.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">So, should you exchange money in Singapore or overseas? Neither \u2014 just&nbsp;<strong>use YouTrip<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sign up for free, keep an eye on real-time rates in-app, and lock in your currencies whenever you like.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">New here? Sign up today with&nbsp;<strong>&lt;YTBLOG5&gt;<\/strong>&nbsp;and get&nbsp;<strong>FREE S$5<\/strong>&nbsp;in your account! Then, head over to our<a href=\"https:\/\/www.you.co\/sg\/youtrip-perks\/\">&nbsp;<strong>YouTrip Perks<\/strong><\/a>&nbsp;page for exclusive offers and promotions \u2014 we promise you won\u2019t regret it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Stay safe and happy travels!<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>sign up now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\"><strong>FAQs: Exchanging Money in Singapore vs Overseas<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q1. Should I exchange money in Singapore or overseas?<\/strong><br>You\u2019ll usually get similar rates in both Singapore and overseas, since money changers everywhere add a small profit margin. However, using a&nbsp;<strong>YouTrip card<\/strong>&nbsp;gives you&nbsp;<strong>better exchange rates than either<\/strong>, thanks to&nbsp;<strong>wholesale rates and zero hidden markups<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q2. Where can I get the best exchange rate in Singapore?<\/strong><br>The best cash rates are often at&nbsp;<strong>The Arcade @ Raffles Place<\/strong>,&nbsp;<strong>Mustafa Centre<\/strong>, or&nbsp;<strong>People\u2019s Park Complex<\/strong>. But for the&nbsp;<strong>best overall exchange rate<\/strong>,&nbsp;<strong>YouTrip consistently beats money changers<\/strong>&nbsp;with real-time app rates and no transaction fees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q3. Why is the Google exchange rate better than money changers?<\/strong><br>The rates shown on Google are&nbsp;<strong>interbank or mid-market rates<\/strong>&nbsp;\u2014 the true market rate. Money changers add a&nbsp;<span style=\"margin: 0px;padding: 0px\"><strong>markup&nbsp;<\/strong>to<\/span> earn a profit. YouTrip lets you exchange currencies closer to those&nbsp;<strong>Google-listed rates<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q4. Can I still withdraw cash overseas with YouTrip?<\/strong><br>Yes! You can&nbsp;<strong>withdraw cash from ATMs worldwide<\/strong>&nbsp;using your YouTrip card. You\u2019ll still enjoy&nbsp;<strong>wholesale exchange rates<\/strong>, though some ATMs may charge a&nbsp;<strong>local withdrawal fee<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q5. What\u2019s the easiest way to monitor exchange rates before travelling?<\/strong><br>Use the&nbsp;<strong>YouTrip app<\/strong>&nbsp;\u2014 it has a built-in money changer where you can&nbsp;<strong>track, exchange, and lock in rates <\/strong><span style=\"margin: 0px;padding: 0px\"><strong>instantly&nbsp;<\/strong>across<\/span> 12 major currencies.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Related Articles:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.you.co\/sg\/blog\/best-singapore-credit-card\/\">Best Singapore Credit Card: Miles, Cashback &amp; Travel Compared<\/a><\/strong><br><a href=\"https:\/\/www.you.co\/sg\/blog\/cashchanger-co-vs-youtrip\/\"><strong>CashChanger.co Vs YouTrip: Where To Get The Best Exchange Rate In Singapore?<\/strong><\/a><br><strong><a href=\"https:\/\/www.you.co\/sg\/blog\/ichange-vs-youtrip-comparison\/\">iChange Vs YouTrip Comparison<\/a><\/strong><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.you.co\/sg\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"160\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png\" alt=\"\" class=\"wp-image-59000\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-300x66.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-600x132.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"90\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-14.png\" alt=\"\" class=\"wp-image-44698\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-14.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-14-300x37.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-14-600x74.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Where can I get the best exchange rates?<\/p>\n","protected":false},"author":8,"featured_media":74694,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[621],"tags":[40046,40049],"class_list":["post-1327","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-foreign-exchange","tag-exchange-money","tag-exchange-money-in-singapore"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/1327","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=1327"}],"version-history":[{"count":1,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/1327\/revisions"}],"predecessor-version":[{"id":86301,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/1327\/revisions\/86301"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/74694"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=1327"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=1327"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=1327"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}