Send Money from the USA to Singapore

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 Singapore dollars rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Western Union can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are bank deposit and cash pickup. The most widely used options in Singapore are bank deposit, plus limited cash pickup. PayNow is a domestic rail and cannot be reached from an international remittance app, so inbound transfers land in a bank account and settle locally from there. Not every provider supports every method, so check the table above before you commit.

No. Western Union and Ria Money Transfer offer cash pickup in Singapore, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit, plus limited 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 USD to SGD, 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 the USA under FinCEN and state money-transmitter licences, 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 $10,000, a specialist foreign-exchange broker will often beat an app on rate.

PayNow, Singapore's instant payment system, is a domestic rail and is not reachable from international remittance apps. Transfers land in a Singapore bank account and settle locally from there. Singapore is a high-income destination, so this corridor is dominated by expatriates, students and business payments rather than family support. A 1% US federal excise tax applies to remittance transfers funded with cash, a money order or a cashier's check, effective January 2026. Transfers funded from a bank account, debit card or credit card are not subject to it — so how you pay can change the total cost.