ATM Fees in Singapore
Singapore Dollar (SGD) • Updated April 2026
Singapore has universal card acceptance. One of the world's most cashless societies. ATMs widespread. Contactless including NFC mobile payments everywhere. Very easy for cards.
Tips for Singapore
- • Cards accepted literally everywhere
- • Contactless and mobile payments ubiquitous
- • Cash almost never needed
- • DBS, OCBC, UOB have ATMs everywhere
- • Hawker centers often use 'SGQR' codes which are incompatible with most tourist apps. Bring cash for hawkers
Airport tips
- • Changi airport is fully cashless-friendly
- • Cards work everywhere
- • No need for cash
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Singapore, per person.
Backpacker
Hostels, street food, public transport
SGD/day
≈ $55.66-133 USD
Mid-range
Hotels, restaurants, mix of transport
SGD/day
≈ $216-435 USD
Luxury
Premium hotels, fine dining, private transport
SGD/day
≈ $647-1,411 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Singapore.
Credit card acceptance
UniversalOne of the world's most cashless societies. Cards everywhere. Hawker centers often use 'SGQR' codes which are incompatible with most tourist apps. Bring cash for hawkers.
You'll need cash for
- • Hawker centers (SGQR incompatible with tourist apps)
- • Some older stalls
Cards usually accepted
- • Everywhere else
- • Restaurants
- • Taxis
- • MRT
- • All businesses
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| DBS | 0 SGD | 0% | Visa/MC rate | 0 USD | 100 | No fee |
| OCBC | 0 SGD | 0% | Visa/MC rate | 0 USD | 80 | No fee |
| UOB | 0 SGD | 0% | Visa/MC rate | 0 USD | 70 | No fee |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| DBS | 0 SGD | 0% | Visa/MC rate | 0 USD | 100 | Best coverage |
| OCBC | 0 SGD | 0% | Visa/MC rate | 0 USD | 80 | Good network |
| UOB | 0 SGD | 0% | Visa/MC rate | 0 USD | 70 | Available |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Singapore:
View all ATM alliances →