{"id":89906,"date":"2026-06-29T16:23:29","date_gmt":"2026-06-29T08:23:29","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=89906"},"modified":"2026-06-29T16:32:11","modified_gmt":"2026-06-29T08:32:11","slug":"sgd-to-php","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/sgd-to-php\/","title":{"rendered":"SGD to PHP: Singapore Dollar to Philippine Peso Rate & Best Way to Exchange (2026)"},"content":{"rendered":"\n

Here’s what your SGD is worth in pesos right now, and how to make them go further \ud83c\uddf5\ud83c\udded<\/strong><\/h2>\n\n\n\n
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Whether you’re heading to Manila, Cebu, Boracay or Palawan or sending money home, knowing the live SGD to PHP rate<\/strong>, where to change it, and how to dodge hidden fees can make a real difference to your budget.<\/p>\n\n\n\n

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As of 29 June 2026<\/strong>, the SGD to PHP exchange rate is 1 SGD = 47.2967 PHP<\/strong>, up 6.71%<\/strong> over the past year and near its strongest level in years. Good news if the Philippines is on your list: the peso has been on the back foot, so your SGD stretches further today than it did this time last year.<\/p>\n\n\n\n

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This guide covers live SGD to PHP rates<\/strong>, what counts as a good rate, where to change money in Singapore and the Philippines, and which payment method gives you the best deal when you’re actually spending pesos.<\/p>\n\n\n\n

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\ud83d\udd04 Skip the money-changer queue and spend pesos at the wholesale rate<\/strong> with YouTrip. No hidden fees, no markup.<\/p>\n<\/blockquote>\n\n\n\n

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\u26a1\ufe0f TL;DR: SGD to PHP at a Glance<\/strong><\/strong><\/h2>\n\n\n\n
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Highlights<\/strong><\/strong><\/th>Details<\/strong><\/strong><\/th><\/tr><\/thead>
SGD to PHP rate today<\/strong><\/td>1 SGD = 47.2967 PHP (29 June 2026)<\/td><\/tr>
1-year change<\/strong><\/td>+6.71% over the past year<\/td><\/tr>
5-year change<\/strong><\/td>+10.51% over five years<\/td><\/tr>
What is a good rate?<\/strong><\/td>Anything above 47.00 is strong; above 47.50 is great<\/td><\/tr>
S$100 in pesos<\/strong><\/td>~4,730 PHP at today’s rate<\/td><\/tr>
Best way to spend pesos<\/strong><\/td>YouTrip card \u2014 wholesale rate, zero FX fees<\/td><\/tr>
Best money changers (SG)<\/strong><\/td>People’s Park, Mustafa Centre, Lucky Plaza<\/td><\/tr>
Best in the Philippines<\/strong><\/td>Licensed changers in Manila\/Cebu malls \u2014 not the airport<\/td><\/tr>
Always avoid<\/strong><\/td>Airport counters (Changi and NAIA) and bank exchange counters<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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\ud83d\udcda Table of Contents<\/strong><\/strong><\/h2>\n\n\n\n
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  1. SGD to PHP Exchange Rate Today<\/strong><\/a><\/li>\n\n\n\n
  2. SGD to PHP Quick Conversion Table<\/strong><\/a><\/li>\n\n\n\n
  3. SGD to PHP Chart & Historical Trend<\/strong><\/a><\/li>\n\n\n\n
  4. What Is a Good SGD to PHP Exchange Rate?<\/strong><\/a><\/li>\n\n\n\n
  5. Why Is the Singapore Dollar So Strong Against the Peso?<\/strong><\/a><\/li>\n\n\n\n
  6. Where to Change SGD to PHP in Singapore<\/strong><\/a><\/li>\n\n\n\n
  7. Is It Better to Change Money in Singapore or the Philippines?<\/strong><\/a><\/li>\n\n\n\n
  8. The Best Way to Spend Pesos: Cash, Card, or YouTrip?<\/strong><\/a><\/li>\n\n\n\n
  9. Sending Money Home to the Philippines<\/strong><\/a><\/li>\n\n\n\n
  10. How Much Money Should I Bring to the Philippines?<\/strong><\/a><\/li>\n\n\n\n
  11. FAQs<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n
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    SGD to PHP Exchange Rate Today<\/strong><\/strong><\/h2>\n\n\n\n
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    \"Google<\/figure>\n\n\n\n

    Image Credits: Google Finance<\/em><\/p>\n\n\n\n

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    As of 29 June 2026, the live SGD to PHP rate is:<\/strong><\/p>\n\n\n\n

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    • 1 SGD = 47.2967 PHP<\/strong><\/li>\n\n\n\n
    • S$100 = 4,730 PHP<\/strong><\/li>\n<\/ul>\n\n\n\n
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      The SGD is up 6.71%<\/strong> against the peso over the past year. A year ago, you’d get around 44.32 pesos per dollar; today it’s above 47, and the rate has been climbing steadily through 2026.<\/p>\n\n\n\n

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      After a brief flash dip to around 40.50 in the middle of last year, the SGD has pushed up to near its 1-year high of ~48. Good timing if you’ve got a Philippines trip coming up.<\/p>\n\n\n\n

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      \ud83d\udca1 Pro tip for Singaporean travellers:<\/strong> Use YouTrip<\/strong> to spend pesos at the wholesale rate and skip the bank markup on every transaction.<\/em><\/p>\n<\/blockquote>\n\n\n\n

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      SGD to PHP Quick Conversion Table<\/strong><\/strong><\/h2>\n\n\n\n
      <\/div>\n\n\n\n

      Here’s what your Singapore dollars are worth in pesos at today’s rate, handy whether you’re budgeting a trip or sending money home.<\/p>\n\n\n\n

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      SGD Amount<\/strong><\/strong><\/th>PHP<\/strong><\/strong><\/th><\/tr><\/thead>
      S$1<\/td>47 PHP<\/td><\/tr>
      S$10<\/td>473 PHP<\/td><\/tr>
      S$50<\/td>2,365 PHP<\/td><\/tr>
      S$100<\/strong><\/td>4,730 PHP<\/strong><\/td><\/tr>
      S$500<\/td>23,648 PHP<\/td><\/tr>
      S$1,000<\/td>47,297 PHP<\/td><\/tr>
      S$2,000<\/td>94,593 PHP<\/td><\/tr>
      S$3,000<\/td>141,890 PHP<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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      PHP amounts based on ~47.30 PHP = S$1 (mid-market, 29 June 2026). <\/em><\/p>\n\n\n\n

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      Going the other way? If you’ve got pesos to change back, here’s what they’re worth in SGD<\/p>\n\n\n\n

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      PHP Amount<\/strong><\/strong><\/th>SGD<\/strong><\/strong><\/th><\/tr><\/thead>
      1,000 PHP<\/td>~S$21<\/td><\/tr>
      5,000 PHP<\/td>~S$106<\/td><\/tr>
      10,000 PHP<\/td>~S$211<\/td><\/tr>
      50,000 PHP<\/td>~S$1,057<\/td><\/tr>
      100,000 PHP<\/td>~S$2,114<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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      SGD amounts based on ~47.30 PHP = S$1 (mid-market, 29 June 2026).<\/em><\/p>\n\n\n\n

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      SGD to PHP Chart & Historical Trend<\/strong><\/strong><\/h2>\n\n\n\n
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      \"Google<\/figure>\n\n\n\n
      \"Google<\/figure>\n<\/figure>\n\n\n\n

      Image Credits: Google Finance<\/em><\/p>\n\n\n\n

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      Time Frame<\/strong><\/strong><\/th>High<\/strong><\/strong><\/th>Low<\/strong><\/strong><\/th>Change<\/strong><\/strong><\/th><\/tr><\/thead>
      1 Year (Jun 2025\u2013Jun 2026)<\/strong><\/td>~48 (May 2026)<\/td>~44 (Jul 2025)<\/td>+6.71%<\/td><\/tr>
      5 Years<\/strong><\/td>~48 (May 2026)<\/td>~40.50 (mid-2025)<\/td>+10.51%<\/td><\/tr>
      All-Time (MAX)<\/strong><\/td>~48 (May 2026)<\/td>~40.50 (mid-2025)<\/td>+10.51%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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      The trend has run firmly in the Singapore dollar’s favour. The SGD spent years trading in the low-to-mid 40s against the peso, then broke higher through late 2025 and into 2026, peaking near 48 in May before settling around 47.30. So while there’s no perfect rate, today’s level sits close to the strongest the pair has seen \u2014 a friendly backdrop for anyone heading over or remitting pesos home.<\/p>\n\n\n\n

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      What Is a Good SGD to PHP Exchange Rate?<\/strong><\/strong><\/h2>\n\n\n\n
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      Rate (1 SGD = X PHP)<\/strong><\/strong><\/th>Rating<\/strong><\/strong><\/th>What It Means<\/strong><\/strong><\/th><\/tr><\/thead>
      47.50 and above<\/td>\ud83d\udfe2 Excellent<\/td>Near recent highs \u2014 change now<\/td><\/tr>
      47.00\u201347.49<\/td>\ud83d\udfe1 Good<\/td>Around today’s rate (~47.30) \u2014 a strong time to change<\/td><\/tr>
      45.00\u201346.99<\/td>\ud83d\udfe0 Average<\/td>Below today’s rate \u2014 typical market conditions<\/td><\/tr>
      Below 45.00<\/td>\ud83d\udd34 Weak<\/td>Near recent lows \u2014 wait if you can, or use YouTrip for fee-free access<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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      Right now at ~47.30, we’re firmly in Good<\/strong> territory, and not far off the 47.50 “Excellent” mark. The thing to remember is that the headline rate you see on Google is the mid-market rate \u2014 the one banks and changers use between themselves. What you’re actually offered will be a little lower, so use the mid-market number as your benchmark and judge any quote against it.<\/p>\n\n\n\n

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      Why Is the Singapore Dollar So Strong Against the Peso?<\/strong><\/strong><\/h2>\n\n\n\n
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      \"A<\/figure>\n\n\n\n
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      It’s less that the Sing dollar has surged and more that the peso has been under steady pressure. A few things have driven the gap:<\/p>\n\n\n\n

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      1. A wide trade deficit.<\/strong> The Philippines imports far more than it exports, which means constant demand for foreign currency and steady downward pressure on the peso.<\/p>\n\n\n\n

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        2. Lower interest rates at home.<\/strong> As Bangko Sentral ng Pilipinas (BSP) has eased rates to support growth, the peso has become less attractive to hold versus higher-yielding currencies.<\/p>\n\n\n\n

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          3. A firm Singapore dollar.<\/strong> The Monetary Authority of Singapore (MAS) manages the SGD against a basket of currencies and leans towards a gradually appreciating bias, which keeps it sturdy against most of the region.<\/p>\n\n\n\n

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            4. Periodic US dollar strength.<\/strong> When the greenback firms up, emerging-market currencies like the peso tend to soften, while the SGD holds up far better.<\/p>\n\n\n\n

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              \u26a0\ufe0f Worth knowing:<\/strong> The peso is heavily supported by remittances from overseas Filipino workers, which cushions it but doesn’t reverse the longer-term slide against stronger currencies like the SGD. For Singaporean travellers, that’s been a quietly good thing \u2014 your money goes further than it did a couple of years ago.<\/p>\n\n\n\n

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              Where to Change SGD to PHP in Singapore<\/strong><\/strong><\/h2>\n\n\n\n
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              \"A<\/figure>\n\n\n\n
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              Prefer to carry some physical pesos? These Singapore money changers are worth heading to for competitive SGD to PHP rates:<\/p>\n\n\n\n

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              Location<\/strong><\/strong><\/th>Area<\/strong><\/strong><\/th>Notes<\/strong><\/strong><\/th><\/tr><\/thead>
              People’s Park Complex<\/td>Chinatown<\/td>One of the largest money-changer clusters in SG; competitive rates<\/td><\/tr>
              Mustafa Centre<\/td>Little India<\/td>Open 24 hours; solid rates on most currencies<\/td><\/tr>
              Lucky Plaza<\/td>Orchard Road<\/td>Long-time hub for the Filipino community; easy to compare PHP rates<\/td><\/tr>
              The Arcade<\/td>Raffles Place<\/td>Popular with CBD workers<\/td><\/tr>
              Parkway Parade<\/td>Marine Parade \/ East<\/td>Convenient for East-side residents<\/td><\/tr>
              Alternative: YouTrip<\/strong><\/td>Mastercard ATMs in PH<\/td>Up to S$400 in free overseas ATM withdrawals every month! *2% fee applies thereafter<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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              \ud83d\udca1 A note on pesos:<\/strong> Smaller money changers don’t always stock large amounts of PHP, so it’s worth calling ahead or checking a comparison site before you head down. Lucky Plaza, given its long-standing Filipino community, is usually a reliable bet.<\/p>\n<\/blockquote>\n\n\n\n

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              \u26a0\ufe0f Skip Changi Airport:<\/strong> Airport money changers consistently offer the poorest rates. Change in the city before you fly, or skip cash altogether and withdraw pesos from an ATM when you land.<\/p>\n<\/blockquote>\n\n\n\n

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              Is It Better to Change Money in Singapore or the Philippines?<\/strong><\/strong><\/h2>\n\n\n\n
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              Method<\/strong><\/strong><\/th>Change in Singapore<\/strong><\/strong><\/th>Change in the Philippines<\/strong><\/strong><\/th><\/tr><\/thead>
              YouTrip card \ud83d\udc51<\/strong><\/td>Spend directly in PHP at the wholesale rate, zero FX fees \u2014 tap anywhere Mastercard’s accepted<\/td>Same wholesale rate, zero fees; withdraw pesos from ATMs as you go<\/td><\/tr>
              Money changer<\/td>Good rates at People’s Park, Lucky Plaza<\/td>Good rates at licensed changers in Manila\/Cebu malls<\/td><\/tr>
              Bank counter<\/td>Avoid \u2014 high markup<\/td>Avoid \u2014 high markup<\/td><\/tr>
              ATM withdrawal<\/td>N\/A<\/td>Withdraw with YouTrip (free up to S$400\/month)<\/td><\/tr>
              Airport counter<\/td>Avoid \u2014 poor rates at Changi<\/td>Avoid \u2014 poor rates at NAIA<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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              Our take:<\/strong> For cash, you’ll often get a slightly better peso rate at licensed money changers in Manila or Cebu malls than at the airport or a bank, but the margins are thin and carrying a lot of cash isn’t ideal. If you’re using YouTrip, it doesn’t really matter where you are: you spend in pesos at the wholesale rate with no FX fees, and withdraw cash from an ATM when you need it.<\/p>\n\n\n\n

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              The Best Way to Spend Pesos: Cash, Card, or YouTrip?<\/strong><\/strong><\/h2>\n\n\n\n
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              \"Bronze<\/figure>\n\n\n\n
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              Honestly? A mix. Here’s how to split it smartly:<\/p>\n\n\n\n

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