Send Money from Singapore to Nepal

There is no single cheapest provider on this corridor — it depends on how much you send and how your recipient is paid. Compare the total amount received in Nepalese rupees rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Most transfers on this corridor arrive within one to three business days. Paying by debit card is generally faster than a bank transfer, and transfers initiated outside banking hours may not begin processing until the next working day.

Across the providers we compare, the available payout methods are bank deposit, cash pickup and card payout. The most widely used options in Nepal are eSewa, Khalti and IME Pay wallets, bank deposit and cash pickup. Remittances are a major part of Nepal's economy, and payout coverage reaches well beyond Kathmandu. Not every provider supports every method, so check the table above before you commit.

No. Remitly and Western Union offer cash pickup in Nepal, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, eSewa, Khalti and IME Pay wallets, bank deposit and cash pickup generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For SGD to NPR, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Singapore under the Monetary Authority of Singapore, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly S$10,000, a specialist foreign-exchange broker will often beat an app on rate.

This is the most expensive corridor Wise prices out of Singapore, and it will not tell you on what. Its cheapest funding route here is quoted at roughly ten times the same provider's Indian figure, with no send amount attached to either end of that comparison. That is the reason no Wise figure is published on this page. Wise states no send amount on this corridor. Its table reads "Sending SGD" where the same hub's Indian, Thai and Pakistani pages read "Sending 1,000 SGD", and the four corridors missing the amount are the four whose currencies Wise flags as less widely used and dynamically charged. The service is available and the rate is real; only the cost is unverifiable from the page, so no Wise figure appears in the table above. The Nepalese rupee is pegged to the Indian rupee, so a Singapore dollar to Nepalese rupee rate moves largely with the Indian rate rather than independently. A stable-looking rate here is inheriting its stability from somewhere else, and it does not make the corridor cheap — the cost is in the fee, not the spread. Remittances are a very large share of Nepal's economy and payout coverage reaches well beyond the capital, so cash pickup is a real option rather than a fallback for this destination.