Singapore Dollar to Thai Baht (SGD/THB) — Live Rate & Calculator
Searching sg dollar to thai baht usually means you’re doing one of three things: planning a Thailand trip from Singapore, pricing an online purchase in THB, or sanity-checking what an ATM/card transaction should cost. The calculator above gives you a live SGD→THB rate and the conversion instantly. The guide below is about the part that changes your real outcome: spreads, fees, and the “pay in SGD vs THB” trap.
Live exchange rate: SGD → THB today
Exchange rates are quoted in two common ways:
- THB per 1 SGD (most useful for travel math)
THB = SGD × (THB per SGD) - SGD per 1 THB (sometimes shown in finance apps)
THB = SGD ÷ (SGD per THB)
Benchmark vs executable rate: Many public “reference” rates are based on interbank pricing snapshots and may differ from what a bank, card issuer, or money changer actually gives you. MAS explicitly notes its published rates are interbank averages around midday and can differ from dealer quotes, and MAS disclaims warranties around accuracy/currentness.
What “THB” means (and how Thailand prices its currency)
Thailand’s currency is the Thai baht, ISO code THB (symbol ฿), issued by the Bank of Thailand. For official Thailand-side reference points, the Bank of Thailand publishes daily foreign exchange rate information.
How to convert SGD to THB in practice
Step 1 — Decide which rate you actually need
- Budgeting / estimating: a live converter or reference rate is fine.
- Right before spending or transferring: check your actual provider (bank app, card issuer, ATM network, or the specific money changer you’ll use).
Step 2 — Use the correct formula
If you see THB per 1 SGD: THB = SGD × (THB per SGD)
If you see SGD per 1 THB: THB = SGD ÷ (SGD per THB)
Sanity check: when converting SGD → THB, your THB number should usually be much larger (tens of baht per 1 SGD). If it’s tiny, you likely inverted the quote.
Fees & spreads: why your “real” THB can be lower than expected
1) Spread (the invisible markup)
Many services advertise “no commission” but bake their profit into a slightly worse rate. That difference is the spread.
2) ATM fees + card issuer fees
Two common costs stack:
- ATM fee (often fixed per withdrawal)
- FX/foreign transaction fees (percentage, depending on your card/bank)
This is why repeated small ATM withdrawals can be surprisingly expensive.
3) Weekend/off-hours pricing
Some providers widen spreads when markets are thinner or when they switch to more conservative pricing.
The big trap: “Pay in SGD or THB?” (Dynamic Currency Conversion)
If an ATM or terminal offers to charge you in SGD while you’re in Thailand, that’s often Dynamic Currency Conversion (DCC). Visa explains that paying in your home currency via DCC can include the exchange rate and additional fees.
A practical rule: if you want to avoid an extra markup, choose to be charged in the local currency (THB) unless you’ve compared the final amount and it’s genuinely better.
Common conversions (SGD → THB)
Example math only (not a live rate). Use the calculator above for today’s numbers.
Assume an example rate: 1 SGD = 26.0 THB (example only).
| SGD | Example rate (THB per SGD) | Approx. THB |
|---|---|---|
| 1 | 26.0 | 26 |
| 10 | 26.0 | 260 |
| 50 | 26.0 | 1,300 |
| 100 | 26.0 | 2,600 |
| 200 | 26.0 | 5,200 |
| 500 | 26.0 | 13,000 |
Mental shortcut: if SGD→THB is in the mid-20s, then S$100 is roughly a few thousand baht, before spreads/fees.
FAQ — SGD to Thai baht
1) Why is the SGD→THB rate different on different platforms?
Because you’re seeing different combinations of: reference data timing, provider spreads, explicit fees, and update cadence. MAS also states publicly available reference rates may differ from dealer quotes and are not warranted for accuracy/currentness.
2) Is it better to exchange cash or pay by card in Thailand?
For many travelers: card payments can be efficient (good network pricing), while cash is still useful for small merchants and tips. The best choice depends on your issuer’s FX fee and whether you avoid DCC.
3) How often does the “live rate” update?
FX moves continuously, but providers refresh at different intervals. Official/statistical pages can be snapshots (for example, MAS rates are based on interbank quotes around midday).
4) What is THB exactly?
THB is the ISO currency code for the Thai baht (฿), issued by the Bank of Thailand.
5) Why do ATMs sometimes offer to charge me in SGD?
That’s typically DCC — a convenience feature that can include extra costs. Visa notes DCC may include additional fees and an exchange rate set at the point of sale/ATM.
Data sources & trust
For reference exchange-rate context and disclaimers: MAS exchange-rate statistics (interbank averages; may differ from dealer quotes; no warranty). For Thailand-side reference pages: Bank of Thailand exchange-rate publications. For DCC: Visa’s consumer explainer.
- MAS eServices — Exchange rates
- Bank of Thailand — Exchange rate statistics
- Visa — Dynamic Currency Conversion (DCC)
Last updated: January 21, 2026
If you want the bigger context on how SGD behaves (policy framework, practical exchange tips, and why rates differ by provider), see the Singapore dollar currency guide.