Best companies for SGD/INR transfers
7 of 7 providers Last updated on 10 November 2026
Based on 10,000 SGD transfer Best companies for SGD/INR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee $33.62 1 SGD = 73.2334 INR -0.13% vs mid-market	Recipient gets ₹729,871.89 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in India with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $33.621 SGD = 73.2334 INR ₹729,871.89You pay$10,000.00
Promoted TorFx Pay via Bank transfer	Fee $0.00 1 SGD = 72.9185 INR +0.30% vs mid-market	Recipient gets ₹729,184.68 Minutes - 24 hours
2 reviews Personal account managerReceive to bank accountIdeal for buying property abroad
Ways to receive money in India with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 72.9185 INR ₹729,184.68You pay$10,000.00
Run a live search Showing top Singapore to India deals for 10,000 SGD. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live SGD to INR rates.
Run a live search These companies offer multi-currency accounts for spending INR. We suggest doing a live search based on how much SGD you're planning to spend in India.
Run a live search These are managed services with real human support for large SGD transfers. Click the link and update the transfer amount to get the best deal.
Currencies Direct Pay via Bank transfer	Fee $0.00 1 SGD = 73.1138 INR +0.03% vs mid-market	Recipient gets ₹731,138.00 Minutes - 24 hours
3 reviews Cheapest Personal account managerMulti-currency cardReceive to bank account
Ways to receive money in India with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 73.1138 INR ₹731,138.00You pay$10,000.00
Wise Pay via Bank transfer	Fee $33.62 1 SGD = 73.2334 INR -0.13% vs mid-market	Recipient gets ₹729,871.89 Within minutes
25 reviews Our top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in India with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $33.621 SGD = 73.2334 INR ₹729,871.89You pay$10,000.00

Wise Pay via PayNow	Fee $33.62 1 SGD = 73.2334 INR -0.13% vs mid-market	Recipient gets ₹729,871.89 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in India with Wise when paying by paynow. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $33.621 SGD = 73.2334 INR ₹729,871.89You pay$10,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 SGD = 72.9404 INR +0.27% vs mid-market	Recipient gets ₹729,404.10 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in India with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 72.9404 INR ₹729,404.10You pay$10,000.00
TorFx Pay via Bank transfer	Fee $0.00 1 SGD = 72.9185 INR +0.30% vs mid-market	Recipient gets ₹729,184.68 Minutes - 24 hours
2 reviews Personal account managerReceive to bank accountIdeal for buying property abroad
Ways to receive money in India with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 72.9185 INR ₹729,184.68You pay$10,000.00
OFX Pay via Bank transfer	Fee $0.00 1 SGD = 72.7722 INR +0.50% vs mid-market	Recipient gets ₹727,721.93 Minutes - 24 hours
7 reviews Personal account managerReceive to bank account
Ways to receive money in India with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 72.7722 INR ₹727,721.93You pay$10,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee $50.55 1 SGD = 73.1247 INR +0.02% vs mid-market	Recipient gets ₹727,550.72 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in India with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $50.551 SGD = 73.1247 INR ₹727,550.72You pay$10,000.00
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
CurrencyFair Pay via Bank transfer	Fee $1.64 1 SGD = 72.5970 INR +0.74% vs mid-market	Recipient gets ₹725,850.00 Minutes - 24 hours
3 reviews Receive to bank account
Ways to receive money in India with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $1.641 SGD = 72.5970 INR ₹725,850.00You pay$10,000.00
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fee $131.75 1 SGD = 73.1247 INR +0.02% vs mid-market	Recipient gets ₹721,612.99 Within minutes
10 reviews Multi-currency cardReceive to bank account
Ways to receive money in India with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $131.751 SGD = 73.1247 INR ₹721,612.99You pay$10,000.00
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
Wise Pay via Debit card	Fee $489.56 1 SGD = 73.2334 INR -0.13% vs mid-market	Recipient gets ₹696,481.86 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in India with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $489.561 SGD = 73.2334 INR ₹696,481.86You pay$10,000.00
How Our Results Work Mid-market rate: 1 SGD = 73.1379 INR Updates every 60 minutes.

Why compare

SGD/INR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Singapore to India

Pick a company

I suggest starting with Currencies Direct which is the cheapest option for sending S$10,000.

Currencies Direct was the cheapest on 1 of the 29 days it quoted S$10,000 transfers to India.

Fund your transfer

There are 3 methods to fund the transfer from Singapore, including bank transfer, debit card, and PayNow.

Where possible, use PayNow to fund your account, it is usually free and takes seconds.

Verify and send

Before you can send money to India, you'll need to verify your account using Singpass, or a passport and pass if you're not a resident.

Compare amounts

How much SGD are you sending to India?

How much SGD you send to India heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Currencies Direct was the cheapest in 2% of the transfers from S$5,000 it quoted, and in 1% of all the transfers it quoted.


$700	-1.46%	$5.00	₹51,562.05with cash deposit to bank deposit	+₹705.25
$1,000	-1.46%	$5.00	₹73,819.05with cash deposit to bank deposit	+₹1,122.27
$5,000	0.01%	$0.55	₹366,012.11with bank transfer to bank deposit	+₹3,602.75
$10,000This page	0.03%	$0.00	₹731,138.00with bank transfer to bank deposit	+₹6,269.19

Mid-market rate: 1 SGD = 73.1379 INR

SGD/INR Exchange Rate History

Is today a good time to send money from Singapore to India?

The cheapest way to send SGD to INR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Currencies Direct), across 30 days of comparisons for 10,000 SGD transfers to India.

Each line shows what the recipient gets when you send $10,000, after fees, as quoted by each company. The mid-market line shows what $10,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more INR per SGD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of INR on every transfer from Singapore.

Right now, Currencies Direct pays 731,138 INR on 10,000 SGD, which is 240.82 INR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 745,865.66 INR.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to India.

We've tracked 118 comparisons to check how often today's top companies were the cheapest across 4 amounts over the past month.

Currencies DirectAppeared in 110 comparisons
Cheapest in 1% of them
WiseAppeared in 118 comparisons
Cheapest in 15% of them
Regency FXAppeared in 30 comparisons
Cheapest in 77% of them

Based on 118 comparisons across 4 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Currencies Direct is the cheapest and gets you the most INR, but it was the cheapest in only 1% of the 110 comparisons it appeared in over the past month.

Wise (today's second cheapest) was the cheapest in only 15% of its comparisons, so it's rarely the cheapest option for transfers to India.

If it's a one-off transfer, go with Currencies Direct, since it's the cheapest right now.

Ways to send money from Singapore to India

There are 5 ways to send money to India across 7 money transfer companies.

Cheapest way to send money

Online transfers

Sending INR from Singapore with a specialist like Wise is quick, easy, and cheap.

You sign up online or through the app, verify account details, enter the amount, fund your transfer, and click send.

Wise charges S$33.62 to send S$10,000, delivering 729,871.89 INR after a -0.13% markup.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Large transfers from Singapore

Currency brokers

Brokers are the best for large SGD transfers to India.

A currency broker can quote a lower margin on large SGD to INR transfers and help with the paperwork and the entire process.

For example, Currencies Direct charges an exchange-rate markup of around 0.03% and no fees.

Our analysis shows Currencies Direct was the cheapest broker in 40% of the transfers from S$5,000 it quoted.

Large transfers may be held briefly for Singapore’s anti-scam checks, so if your transfer is time sensitive, start the process a bit earlier.

Regular spending abroad

Multi-currency accounts

A multi-currency account like Currencies Direct lets you convert SGD to INR before travelling or paying your own bills overseas.

And you can hold both currencies in one account.

Currencies Direct will get you 731,138 INR after fees when converting 10,000 SGD.

Over the past month, it came out cheapest among multi-currency accounts on 3% of days.

Ways to fund SGD and receive INR in India

With Currencies Direct, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending S$10,000 gives your recipient 731,138 INR.

Pay in SGD through bank transfer, debit card, and PayNow.

Funding the transfer with PayNow

This is the quickest and simplest way to pay for your transfer to India from Singapore.

Scan the company's PayNow QR code or use its registered identifier.

In India, they can receive INR using bank deposit.

1

Bank transfer Bank deposit

You pay S$10,000.00

₹731,138

Cheapest
2

PayNow Bank deposit

You pay S$10,000.00

₹729,872

-₹1,266
3

Debit card Bank deposit

You pay S$10,000.00

₹721,613

-₹9,525

Things to know before sending SGD to India

Consider these things before sending money from Singapore to India.

Compare SGD/INR transfers

For a S$10,000 transfer to India, these are the best options to start with:

Cheapest: Currencies Direct, funded by bank transfer with bank deposit for the payout. Your recipient gets 731,138 INR, which is 0.17% more than the next best option.
Fastest: Revolut, funded through bank transfer with bank deposit for the payout. Your recipient gets 727,550.72 INR in within minutes.

SDIC protection

Eligible SGD deposits at participating banks are insured by SDIC up to S$100,000 per depositor and bank.

A balance with a non-bank transfer company is not a bank deposit and does not receive the same cover, even when the company is MAS-licensed.

When unsure, check the legal company in the MAS Financial Institutions Directory before paying.

How we analyse the market

Every company here holds a MAS licence, which you can check yourself on the MAS register.

We track 7 of them on SGD to India, refreshed in real time on live searches, and compare on the amount that arrives rather than the headline fee.

In the past 30 days alone, we analysed 118 comparisons across 4 amounts.

This page covers the cheapest and fastest options for SGD/INR transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Each goes through our review. More on who we are, why you can trust us and how to get started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from Singapore

Send money to India

Send money from United States to India Send money from Saudi Arabia to India Send money from United Kingdom to India Send money from Philippines to India Send money from United Arab Emirates to India Send money from Nigeria to India Send money from Germany to India Send money from Canada to India Send money from France to India Send money from Australia to India Send money from Spain to India Send money from South Africa to India Send money from Mexico to India Send money from Qatar to India

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.7885	–	₹747,884.95
Regency FX Cheapest	74.5866	$0.00	₹745,865.66	−₹2,019.29
Wise	74.7989	$33.61	₹745,475.01	−₹2,409.94
Currencies Direct	74.4021	$0.00	₹744,021.00	−₹3,863.95

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.3385	–	₹743,385.47
Wise Cheapest	74.4152	$33.61	₹741,650.91	−₹1,734.56
Regency FX	74.1378	$0.00	₹741,378.33	−₹2,007.14
Currencies Direct	74.0141	$0.00	₹740,141.00	−₹3,244.47

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	73.9558	–	₹739,558.48
Regency FX Cheapest	73.7562	$0.00	₹737,561.67	−₹1,996.81
Wise	73.9645	$33.62	₹737,158.31	−₹2,400.17
Currencies Direct	73.5704	$0.00	₹735,704.00	−₹3,854.48

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	73.9520	–	₹739,519.89
Regency FX Cheapest	73.7523	$0.00	₹737,523.19	−₹1,996.70
Wise	73.9964	$33.62	₹737,476.24	−₹2,043.65
Currencies Direct No quote collected this day	–	–	–	–

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.0818	–	₹740,817.63
Regency FX Cheapest	73.8817	$0.00	₹738,817.42	−₹2,000.21
Wise	74.1025	$33.62	₹738,533.67	−₹2,283.96
Currencies Direct	73.6848	$0.00	₹736,848.00	−₹3,969.63

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.0701	–	₹740,700.54
Wise Cheapest	74.2498	$33.62	₹740,001.72	−₹698.82
Regency FX	73.8701	$0.00	₹738,700.65	−₹1,999.89
Currencies Direct	73.8191	$0.00	₹738,191.00	−₹2,509.54

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.1108	–	₹741,107.81
Regency FX Cheapest	73.9107	$0.00	₹739,106.82	−₹2,000.99
Wise	74.1011	$33.62	₹738,519.72	−₹2,588.09
Currencies Direct	73.7177	$0.00	₹737,177.00	−₹3,930.81

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.2264	–	₹742,263.84
Wise Cheapest	74.3138	$33.62	₹740,639.57	−₹1,624.27
Regency FX	74.0260	$0.00	₹740,259.73	−₹2,004.11
Currencies Direct	73.8321	$0.00	₹738,321.00	−₹3,942.84

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.1152	–	₹741,152.03
Regency FX Cheapest	73.9151	$0.00	₹739,150.92	−₹2,001.11
Wise	74.1197	$33.62	₹738,705.10	−₹2,446.93
Currencies Direct	73.7206	$0.00	₹737,206.00	−₹3,946.03

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.1194	–	₹741,194.00
Regency FX Cheapest	73.9193	$0.00	₹739,192.78	−₹2,001.22
Wise	74.1405	$33.62	₹738,912.40	−₹2,281.60
Currencies Direct	73.7585	$0.00	₹737,585.00	−₹3,609.00

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.2934	–	₹742,934.11
Regency FX Cheapest	74.0928	$0.00	₹740,928.19	−₹2,005.92
Wise	74.2938	$33.62	₹740,440.24	−₹2,493.87
Currencies Direct	73.8937	$0.00	₹738,937.00	−₹3,997.11

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.3560	–	₹743,560.30
Regency FX Cheapest	74.1553	$0.00	₹741,552.69	−₹2,007.61
Wise	74.3134	$33.62	₹740,635.58	−₹2,924.72
Currencies Direct	73.8609	$0.00	₹738,609.00	−₹4,951.30

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.3838	–	₹743,837.79
Regency FX Cheapest	74.1829	$0.00	₹741,829.43	−₹2,008.36
Wise	74.4106	$33.61	₹741,605.06	−₹2,232.73
Currencies Direct	74.0091	$0.00	₹740,091.00	−₹3,746.79

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.2597	–	₹742,597.10
Regency FX Cheapest	74.0592	$0.00	₹740,592.09	−₹2,005.01
Wise	74.2945	$33.62	₹740,447.22	−₹2,149.88
Currencies Direct	73.8977	$0.00	₹738,977.00	−₹3,620.10

Wed, 28 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.2763	–	₹742,763.27
Regency FX Cheapest	74.0758	$0.00	₹740,757.81	−₹2,005.46
Wise	74.2815	$33.62	₹740,317.66	−₹2,445.61
Currencies Direct	73.8937	$0.00	₹738,937.00	−₹3,826.27

Thu, 29 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.4384	–	₹744,384.07
Regency FX Cheapest	74.2374	$0.00	₹742,374.23	−₹2,009.84
Wise	74.4545	$33.61	₹742,042.58	−₹2,341.49
Currencies Direct	74.0410	$0.00	₹740,410.00	−₹3,974.07

Fri, 30 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.5537	–	₹745,536.99
Regency FX Cheapest	74.3524	$0.00	₹743,524.04	−₹2,012.95
Wise	74.5549	$33.61	₹743,043.21	−₹2,493.78
Currencies Direct	74.1524	$0.00	₹741,524.00	−₹4,012.99

Sat, 31 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.2197	–	₹742,197.49
Wise Cheapest	74.2831	$33.62	₹740,333.60	−₹1,863.89
Regency FX	74.0194	$0.00	₹740,193.56	−₹2,003.93
Currencies Direct	73.8012	$0.00	₹738,012.00	−₹4,185.49

Mon, 2 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.1665	–	₹741,664.89
Regency FX Cheapest	73.9662	$0.00	₹739,662.39	−₹2,002.50
Wise	74.2003	$33.62	₹739,508.39	−₹2,156.50
Currencies Direct	73.8082	$0.00	₹738,082.00	−₹3,582.89

Tue, 3 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.0682	–	₹740,681.75
Regency FX Cheapest	73.8682	$0.00	₹738,681.91	−₹1,999.84
Wise	74.1007	$33.62	₹738,515.73	−₹2,166.02
Currencies Direct	73.7127	$0.00	₹737,127.00	−₹3,554.75

Wed, 4 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.1003	–	₹741,003.18
Regency FX Cheapest	73.9002	$0.00	₹739,002.47	−₹2,000.71
Wise	74.1052	$33.62	₹738,560.58	−₹2,442.60
Currencies Direct	73.7137	$0.00	₹737,137.00	−₹3,866.18

Thu, 5 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	74.0462	–	₹740,461.60
Regency FX Cheapest	73.8462	$0.00	₹738,462.35	−₹1,999.25
Wise	74.0590	$33.62	₹738,100.14	−₹2,361.46
Currencies Direct	73.6749	$0.00	₹736,749.00	−₹3,712.60

Fri, 6 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	73.5159	–	₹735,159.25
Regency FX Cheapest	73.3174	$0.00	₹733,174.32	−₹1,984.93
Wise	73.5347	$33.62	₹732,874.76	−₹2,284.49
Currencies Direct	73.1337	$0.00	₹731,337.00	−₹3,822.25

Sat, 7 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	73.3252	–	₹733,252.50
Regency FX Cheapest	73.1273	$0.00	₹731,272.72	−₹1,979.78
Wise	73.2607	$33.62	₹730,143.98	−₹3,108.52
Currencies Direct	72.7905	$0.00	₹727,905.00	−₹5,347.50

Sun, 8 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	73.2129	–	₹732,129.25
Regency FX Cheapest	73.0153	$0.00	₹730,152.50	−₹1,976.75
Wise	73.2607	$33.62	₹730,143.98	−₹1,985.27
Currencies Direct	72.7905	$0.00	₹727,905.00	−₹4,224.25

How to send money to India from Singapore with the best SGD-INR rate

Best companies for SGD/INR transfers