Living Abroad

SingX Singapore: Your full guide

Aman Saxena

11.05.26 (last updated)

Read time 4 minutes

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SingX is a money transfer service designed for sending money from Singapore to other countries. It supports transfers to over 180 countries worldwide. SingX keeps fees low and uses the live mid-market exchange rate, making it an attractive option.¹

💵 But if you are looking for a more global account with 59+ currency options including the Chinese Yuan, join the 6 million customers using Wise²

Table of contents
How to open an account? Charges and fees Transfer limit How much time does it take? A cheap, fast and transparent alternative

If you are a resident of Singapore, you can sign up for SingX to send money to 180 different countries. As always, however, there is a registration process and fees involved when using SingX. Here is a guide on how it works.

How to open a SingX account?

For Singapore residents, opening an account is free, and the entire process is 100% online. To get started, head to the SingX website and click “Sign Up.³”

Registration only takes a few minutes, and you can choose from three methods:

MyInfo (Singpass login): The fastest option, where your details are automatically filled in
Selfie-based registration: Upload your ID (front and back) and take a live selfie
Mobile bill verification: Upload your ID along with a recent postpaid mobile bill (issued within the last 3 months)

In most cases, you’ll need a valid photo ID, such as your NRIC, Employment Pass, Work Pass, or Dependant Pass.

Once your documents have been verified, you’ll receive a confirmation email. From there, you’re all set to start enjoying a cheaper, faster, and more convenient way to transfer money across borders.

SingX charges and fees

SingX has a simple fee that is based on the live mid-market exchange rate when you are sending money. The mid-market exchange rate is the rate that banks use themselves when transferring funds. It is also the one you see on Google and Reuters. SingX gives you the mid-market exchange rate and then puts a charge between .25-1% of that as a fee on your transaction. More popular transfer routes are on the lower side of the fee scale, while those that are less often used are closer to a 1% fee.³

SingX transfer limit

SingX lets you transfer up to S$ 1,000,000, but the exact limit depends on the destination country, the payment type (local bank transfer or SWIFT), and the currency being sent⁴.

Each country has its own specific sending limits—for example, individual transfers to Thailand, Malaysia, the US, and the UK all differ based on their respective regulations and supported transfer rails. If you’re planning to send a large amount, make sure your transaction falls within the applicable country limit and transfer method requirements.

You can view the full and most up-to-date limits here.

How much time does it take to send money with SingX?

The time it takes to send money with SingX depends on several factors, including the destination country, chosen payment method (e.g. bank transfer, wallet, or SWIFT), the type of payment (C2C or B2B), transfer limits, and the recipient details provided. These factors can all affect processing and delivery speed.

SingX operates in real time, 7 days a week, 365 days a year, across 180+ countries. In most cases, transfers are processed quickly once all required details are provided correctly. However, exact delivery times will vary depending on the route and payment method selected⁵.

How can I check the status of money transfer with SingX?

You can check the status of your money transfer on the SingX dashboard once you are registered and have logged in¹.

SingX customer support in case transactions are stuck

There is a chance that a transaction doesn’t go through or is taking longer than expected. In that case, you can reach out to SingX directly by email or phone.

You can email Singx at help@singx.co with your transaction information. You can also reach the customer service hotline between 9 am-6 pm Monday through Friday at +65 3158 4669. Another option is also to contact customer service through the “Live Chat” feature or leave an offline message³.

💵 Want to send money to more than 59 countries globally? Wise is on average 12 times cheaper than banks in Singapore.

The true cost of international transfers with SingX

SingX tries to make it simple for customers by making their fees clear and upfront, and transparent with the mid-market exchange rate. Unlike other providers that hike up their exchange rate to take a cut of every transaction, companies like Sing X and Wise only use the mid-market exchange rate. The fee that you will be paying comes in the form of a transaction fee as a percentage of the mid-market rate.

In many cases, SingX may come out as a preferable partner with its low fees for the transfer routes they have. But if you want a more global transfer partner that is easy to use on the go and doesn’t require in person verification, check out Wise.

Wise brings the same transparency on fees and the exchange rate but with more global reach and an easy to sign up process.

A cheap, fast and transparent alternative: Wise

Signing up for Wise is free and easy. You won't have to go to any branch office and can do it completely online. And once you sign up, you get access to the award winning Wise app. The app will let you transfer, convert and spend on the go no matter where you are. Wise also has over 230,000 excellent reviews on Trustpilot⁷.

So if you want more global coverage, including to China, Africa and South America, Wise can be the best option for you. With cheap transfer fees and the clearest exchange rate, Wise uses smart technology to make spending easy around the world. Get a real money transfer partner that is as global as you, sign up for Wise today.

Sources used for this article:

Source updated: April 30, 2026

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.