SGD to USD — Currency Converter & Exchange Rate Guide 2026

Planning a trip to the United States, sending money overseas, or managing international business payments from Singapore? The SGD to USD exchange rate is one of the most searched currency pairs in Southeast Asia, and getting the best rate can save you hundreds - or even thousands - of dollars.

SGD to USD Converter - Quick Reference Table

Whether you need to convert Singapore dollars to dollars for travel, remittances, or business, having a quick reference makes the math easy. The table below uses the live mid-market rate as of February 20, 2026.

The formula is straightforward: SGD amount . 0.7812 = USD amount. For a reverse conversion (USD to SGD), multiply by 1.2802 instead.

Keep in mind that the rate you receive at a bank, airport kiosk, or money transfer service will typically include a markup of 1-3% over the mid-market rate shown above. Online platforms like Wise and OFX generally offer rates closer to the interbank rate.

Singapore Dollar to USD Rate Today - What Drives the Exchange Rate?

The singapore dollar to usd rate today is shaped by a unique set of factors that make the SGD one of Asia's most stable currencies. Unlike most central banks that manage interest rates, Singapore's Monetary Authority of Singapore (MAS) uses the exchange rate itself as its primary monetary policy tool.

MAS manages the Singapore dollar nominal effective exchange rate (S$NEER) within an undisclosed policy band. In its January 2026 policy statement, MAS maintained the prevailing rate of appreciation of the S$NEER band, signaling confidence in Singapore's economic resilience and a commitment to keeping inflation in check.

Here are the key factors that move the SGD/USD rate:

Interest rate differentials between the US Federal Reserve and Singapore's domestic SORA (Singapore Overnight Rate Average) play a critical role. When US rates are higher, capital flows toward USD-denominated assets, putting pressure on the SGD. As of early 2026, the 3-month compounded SORA has declined to around 1.4%, while the Fed funds rate remains elevated near 4.25-4.50%.

Trade balance and economic performance also matter. Singapore's economy expanded by 1.9% quarter-on-quarter in Q4 2025, supported by robust manufacturing and services tied to the global AI capex boom. Strong economic data generally supports a stronger SGD.

Global risk sentiment impacts the pair significantly. The SGD often benefits from safe-haven flows into Singapore due to the country's AAA credit rating, substantial foreign reserves, and predictable governance - making it a magnet for capital during uncertain times.

1 SGD to USD - Historical Performance & Context

Understanding how much is 1 Singapore dollar in historical context helps you decide whether now is a good time to convert. The SGD has been on a notable strengthening trend against the US dollar over the past year.

The data tells a clear story: the SGD has been gaining ground. According to exchange rate history from exchange-rates.org, the Singapore dollar appreciated over 6% against the greenback in 2025 alone. In early 2026, the trend has continued, with the USD/SGD pair touching 1.27 - the lowest level (strongest SGD) since October 2014.

For travelers and remitters converting SGD to USD right now, this means you're getting more US dollars per Singapore dollar than at almost any point in the last decade. However, sgd to usd history shows that exchange rates are cyclical, so locking in a good rate when available is generally wise.

SGD to USD Exchange Rate 2026 - Outlook & Forecast

What can you expect from the singapore currency rate 2026 and beyond? Several major banks and analysts have weighed in on the sgd to usd exchange rate 2026 outlook.

DBS Bank - one of Singapore's largest financial institutions - projects USD/SGD to trade in a 1.25-1.30 range over January-September 2026, which translates to approximately 1 SGD = $0.769 - $0.800 USD. This suggests limited downside for the SGD.

MUFG Research notes that the S$NEER's position near the top of its policy band implies modest room for further SGD strength should the USD weaken further. They see the SGD as underpinned by Singapore's resilient macro backdrop.

XS.com describes the outlook as a "sideways-to-mild-SGD-strengthening bias" for 2026, with USD/SGD gradually softening toward 1.27 by mid-2027 if both central banks maintain balanced policies.

How to Convert Singapore Dollar to Dollar - Best Methods

Ready to convert singapore dollar to dollar? Here are the most common methods, ranked by value for money.

SGD/USD Live Rate - Where to Check

For the most accurate sgd usd live rate, use these reliable sources:

The St. Louis Federal Reserve (FRED) publishes official daily SGD-to-USD rates sourced from the Board of Governors of the Federal Reserve System. As of February 6, 2026, FRED recorded 1 USD = 1.2713 SGD.

For real-time market data, Investing.com provides live charts, historical data, and technical analysis tools. Their data shows the SGD/USD pair's 52-week range spans from 0.7361 to 0.7947.

Financial professionals typically reference Bloomberg or Reuters terminal data, but free alternatives like exchangerates.org.uk provide near-real-time rates for everyday users.

Understanding the Singapore Dollar - Key Facts

The Singapore dollar (code: SGD, symbol: S$) is the official currency of the Republic of Singapore, issued by the Monetary Authority of Singapore. Here's what makes it unique in the global currency landscape.

Singapore stands out among global economies because MAS doesn't use interest rates as its primary policy instrument. Instead, it manages the singapore dollar exchange rate through the S$NEER (Singapore Dollar Nominal Effective Exchange Rate) policy band. This means MAS actively controls how the SGD moves against a basket of currencies from Singapore's major trading partners.

This unique framework helps explain why the SGD tends to be more stable than many other Asian currencies. Singapore's AAA sovereign credit rating (one of only a handful of countries worldwide) and massive foreign exchange reserves further reinforce confidence in the currency.

For investors interested in understanding how digital currencies interact with traditional forex markets, exploring the relationship between stablecoins and fiat currencies like SGD and USD can provide additional perspective. Stablecoins like USDT effectively act as on-chain representations of the US dollar, creating new rails for cross-border value transfer.

The SGD is also interchangeable with the Brunei dollar at par under a long-standing currency interchangeability agreement, though this has little impact on the SGD/USD pair specifically.

Frequently Asked Questions

How much is 1 Singapore dollar in USD right now?

As of February 2026, 1 SGD equals approximately $0.781 USD. This rate fluctuates throughout the trading day based on forex market activity. For the most current rate, check live data providers like Yahoo Finance or Wise.

Is the SGD getting stronger or weaker against the USD?

The SGD has been strengthening against the USD. It gained over 6% in 2025 and continues to appreciate in 2026, reaching levels not seen since late 2014. This trend is supported by MAS monetary policy and Singapore's resilient economy.

What is the best way to convert SGD to USD?

Online transfer services like Wise and OFX generally offer the best rates, with spreads of 0.3-0.7% above the interbank rate. For cash, licensed money changers in Singapore's Raffles Place Arcade offer competitive rates. Banks are convenient but typically charge higher spreads of 1-3%.

Why does MAS use exchange rate policy instead of interest rates?

Singapore is a small, open economy heavily reliant on international trade. Managing the exchange rate rather than interest rates is more effective at controlling imported inflation - which makes up a large portion of Singapore's price pressures given the country imports most of its goods.

Will the SGD continue to strengthen against the USD in 2026?

Most analysts forecast a range of USD/SGD 1.25-1.30 for 2026, implying the SGD could remain strong or appreciate slightly further. However, risks include escalating global trade tensions, a "higher for longer" US interest rate environment, or a slowdown in China's economy.

How does the SGD to USD rate affect crypto trading in Singapore?

Currency fluctuations impact the effective cost of buying cryptocurrency and receiving returns. A stronger SGD means Singapore-based traders pay less in local currency terms for USD-denominated assets like Bitcoin. Understanding DeFi protocols and staking rewards also requires awareness of exchange rate movements when calculating real returns in SGD.

Where can I find the SGD to USD exchange rate history?

Historical data is available from the Federal Reserve Economic Data (FRED) database, Investing.com, exchange-rates.org, and the MAS website. These sources provide daily, monthly, and yearly data going back decades.

Conclusion - Making the Most of Your SGD to USD Conversion

The SGD to USD exchange rate in 2026 is at historically favorable levels for Singapore dollar holders. With 1 SGD buying approximately $0.781 USD - the strongest in over a decade - this is a window of opportunity for travelers, remitters, and businesses making USD payments.

To get the most from your conversion, compare rates across multiple providers, use online platforms for the best spreads, and avoid airport kiosks where markups eat into your money. For ongoing transfers, setting rate alerts through services like Xe or Wise can help you lock in favorable rates automatically.

Whether you're a tourist budgeting for a US trip, an expat sending money home, or a business managing cross-border payments, staying informed about the singapore dollar exchange rate gives you a real financial edge.