Revolut is the fastest way to send money to Malaysia from Singapore right now, with delivery in within minutes. Wise is cheapest overall, paying out 31,644.80 MYR for a S$10,000 transfer.
| 4 of 4 providers Last updated on 10 November 2026 | |||
| Based on 10,000 SGD transfer Best companies for SGD/MYR transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $25.53 1 SGD = 3.1726 MYR 0.00% vs mid-market | Recipient gets RM 31,644.80 Within minutes | |
Ways to receive money in Malaysia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $25.531 SGD = 3.1726 MYR RM 31,644.80You pay$10,000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee $0.00 1 SGD = 3.1641 MYR +0.27% vs mid-market | Recipient gets RM 31,640.84 Minutes - 24 hours | |
Ways to receive money in Malaysia with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 3.1641 MYR RM 31,640.84You pay$10,000.00 | |||
Run a live search Showing top Singapore to Malaysia 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 MYR rates. | |||
Run a live search These companies offer multi-currency accounts for spending MYR. We suggest doing a live search based on how much SGD you're planning to spend in Malaysia. | |||
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. | |||
| Wise Pay via Bank transfer | Fee $25.53 1 SGD = 3.1726 MYR 0.00% vs mid-market | Recipient gets RM 31,644.80 Within minutes | |
Ways to receive money in Malaysia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $25.531 SGD = 3.1726 MYR RM 31,644.80You pay$10,000.00 | |||
| Wise Pay via PayNow | Fee $25.53 1 SGD = 3.1726 MYR 0.00% vs mid-market | Recipient gets RM 31,644.80 Within minutes | |
Ways to receive money in Malaysia with Wise when paying by paynow. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $25.531 SGD = 3.1726 MYR RM 31,644.80You pay$10,000.00 | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee $0.00 1 SGD = 3.1641 MYR +0.27% vs mid-market | Recipient gets RM 31,640.84 Minutes - 24 hours | |
Ways to receive money in Malaysia with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 3.1641 MYR RM 31,640.84You pay$10,000.00 | |||
 OFX Pay via Bank transfer | Fee $0.00 1 SGD = 3.1568 MYR +0.50% vs mid-market | Recipient gets RM 31,567.87 Minutes - 24 hours | |
Ways to receive money in Malaysia with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 3.1568 MYR RM 31,567.87You pay$10,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee $50.60 1 SGD = 3.1684 MYR +0.13% vs mid-market | Recipient gets RM 31,523.70 Within minutes | |
Ways to receive money in Malaysia with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $50.601 SGD = 3.1684 MYR RM 31,523.70You 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. | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee $131.75 1 SGD = 3.1684 MYR +0.13% vs mid-market | Recipient gets RM 31,266.58 Within minutes | |
Ways to receive money in Malaysia with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $131.751 SGD = 3.1684 MYR RM 31,266.58You 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 $482.20 1 SGD = 3.1726 MYR 0.00% vs mid-market | Recipient gets RM 30,195.98 Within minutes | |
Ways to receive money in Malaysia with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $482.201 SGD = 3.1726 MYR RM 30,195.98You pay$10,000.00 | |||
| How Our Results Work Mid-market rate: 1 SGD = 3.1726 MYR Updates every 60 minutes. | |||
Transfer details
I suggest starting with Wise which is the cheapest option for sending S$10,000.
Wise was the cheapest on 23 of the 30 days it quoted S$10,000 transfers to Malaysia.
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.
Before you can send money to Malaysia, you'll need to verify your account using Singpass, or a passport and pass if you're not a resident.
How much SGD you send to Malaysia 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 Wise was the cheapest in 71% of the transfers from S$5,000 it quoted, and in 55% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $1,000 | 0.07% | $0.00 | RM 3,170.30with paynow to bank deposit | +RM 36.85 | |
| $5,000 | 0.13% | $0.60 | RM 15,840.91with bank transfer to bank deposit | +RM 220.83 | |
| $10,000This page | 0.00% | $25.53 | RM 31,644.80with bank transfer to bank deposit | +RM 289.86 |
Mid-market rate: 1 SGD = 3.1726 MYR
The cheapest way to send SGD to MYR 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 Wise), across 30 days of comparisons for 10,000 SGD transfers to Malaysia.
Tue, 10 Nov 2026Mid-market rateRM 31,726.50 Wise RM 31,644.80WiseRM 31,644.80Regency FXRM 31,640.84OFXRM 31,567.87
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1913 | – | RM 31,912.67 | |
| | 3.1913 | $25.53 | RM 31,831.13 | −RM 81.54 |
| | 3.1827 | $0.00 | RM 31,826.51 | −RM 86.16 |
| | 3.1753 | $0.00 | RM 31,753.11 | −RM 159.56 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1911 | – | RM 31,911.26 | |
| | 3.1912 | $25.53 | RM 31,830.73 | −RM 80.53 |
| | 3.1825 | $0.00 | RM 31,825.10 | −RM 86.16 |
| | 3.1752 | $0.00 | RM 31,751.70 | −RM 159.56 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1754 | – | RM 31,753.51 | |
| | 3.1750 | $25.53 | RM 31,668.74 | −RM 84.77 |
| | 3.1668 | $0.00 | RM 31,667.78 | −RM 85.73 |
| | 3.1595 | $0.00 | RM 31,594.74 | −RM 158.77 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1850 | – | RM 31,849.95 | |
| | 3.1764 | $0.00 | RM 31,763.96 | −RM 85.99 |
| | 3.1824 | $25.53 | RM 31,742.45 | −RM 107.50 |
| | 3.1691 | $0.00 | RM 31,690.70 | −RM 159.25 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1887 | – | RM 31,887.07 | |
| | 3.1887 | $25.53 | RM 31,805.39 | −RM 81.68 |
| | 3.1801 | $0.00 | RM 31,800.97 | −RM 86.10 |
| | 3.1728 | $0.00 | RM 31,727.63 | −RM 159.44 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1848 | – | RM 31,847.68 | |
| | 3.1912 | $25.53 | RM 31,830.23 | −RM 17.45 |
| | 3.1762 | $0.00 | RM 31,761.69 | −RM 85.99 |
| | 3.1688 | $0.00 | RM 31,688.44 | −RM 159.24 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1848 | – | RM 31,847.68 | |
| | 3.1912 | $25.53 | RM 31,830.23 | −RM 17.45 |
| | 3.1762 | $0.00 | RM 31,761.69 | −RM 85.99 |
| | 3.1688 | $0.00 | RM 31,688.44 | −RM 159.24 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1902 | – | RM 31,902.11 | |
| | 3.1901 | $25.53 | RM 31,819.16 | −RM 82.95 |
| | 3.1816 | $0.00 | RM 31,815.97 | −RM 86.14 |
| | 3.1743 | $0.00 | RM 31,742.60 | −RM 159.51 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1942 | – | RM 31,942.12 | |
| | 3.1946 | $25.53 | RM 31,864.64 | −RM 77.48 |
| | 3.1856 | $0.00 | RM 31,855.88 | −RM 86.24 |
| | 3.1782 | $0.00 | RM 31,782.41 | −RM 159.71 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1940 | – | RM 31,940.11 | |
| | 3.1938 | $25.53 | RM 31,856.36 | −RM 83.75 |
| | 3.1854 | $0.00 | RM 31,853.87 | −RM 86.24 |
| | 3.1780 | $0.00 | RM 31,780.41 | −RM 159.70 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1973 | – | RM 31,973.26 | |
| | 3.1972 | $25.53 | RM 31,889.98 | −RM 83.28 |
| | 3.1887 | $0.00 | RM 31,886.93 | −RM 86.33 |
| | 3.1813 | $0.00 | RM 31,813.39 | −RM 159.87 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1959 | – | RM 31,959.20 | |
| | 3.1965 | $25.53 | RM 31,883.49 | −RM 75.71 |
| | 3.1873 | $0.00 | RM 31,872.91 | −RM 86.29 |
| | 3.1799 | $0.00 | RM 31,799.40 | −RM 159.80 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1994 | – | RM 31,993.82 | |
| | 3.1907 | $0.00 | RM 31,907.44 | −RM 86.38 |
| | 3.1958 | $25.53 | RM 31,876.81 | −RM 117.01 |
| | 3.1834 | $0.00 | RM 31,833.85 | −RM 159.97 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1994 | – | RM 31,993.82 | |
| | 3.1907 | $0.00 | RM 31,907.44 | −RM 86.38 |
| | 3.1958 | $25.53 | RM 31,876.81 | −RM 117.01 |
| | 3.1834 | $0.00 | RM 31,833.85 | −RM 159.97 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1942 | – | RM 31,942.17 | |
| | 3.1945 | $25.53 | RM 31,863.74 | −RM 78.43 |
| | 3.1856 | $0.00 | RM 31,855.93 | −RM 86.24 |
| | 3.1782 | $0.00 | RM 31,782.46 | −RM 159.71 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1906 | – | RM 31,905.67 | |
| | 3.1906 | $25.53 | RM 31,824.74 | −RM 80.93 |
| | 3.1820 | $0.00 | RM 31,819.52 | −RM 86.15 |
| | 3.1746 | $0.00 | RM 31,746.14 | −RM 159.53 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1812 | – | RM 31,812.32 | |
| | 3.1726 | $0.00 | RM 31,726.43 | −RM 85.89 |
| | 3.1801 | $25.53 | RM 31,719.31 | −RM 93.01 |
| | 3.1653 | $0.00 | RM 31,653.26 | −RM 159.06 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1735 | – | RM 31,734.53 | |
| | 3.1732 | $25.53 | RM 31,651.49 | −RM 83.04 |
| | 3.1649 | $0.00 | RM 31,648.85 | −RM 85.68 |
| | 3.1576 | $0.00 | RM 31,575.86 | −RM 158.67 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1725 | – | RM 31,724.85 | |
| | 3.1729 | $25.53 | RM 31,648.10 | −RM 76.75 |
| | 3.1639 | $0.00 | RM 31,639.19 | −RM 85.66 |
| | 3.1566 | $0.00 | RM 31,566.23 | −RM 158.62 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1734 | – | RM 31,734.37 | |
| | 3.1746 | $25.53 | RM 31,665.25 | −RM 69.12 |
| | 3.1649 | $0.00 | RM 31,648.69 | −RM 85.68 |
| | 3.1576 | $0.00 | RM 31,575.70 | −RM 158.67 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1734 | – | RM 31,734.37 | |
| | 3.1746 | $25.53 | RM 31,665.25 | −RM 69.12 |
| | 3.1649 | $0.00 | RM 31,648.69 | −RM 85.68 |
| | 3.1576 | $0.00 | RM 31,575.70 | −RM 158.67 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1813 | – | RM 31,812.60 | |
| | 3.1815 | $25.53 | RM 31,733.38 | −RM 79.22 |
| | 3.1727 | $0.00 | RM 31,726.71 | −RM 85.89 |
| | 3.1654 | $0.00 | RM 31,653.54 | −RM 159.06 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1833 | – | RM 31,833.37 | |
| | 3.1833 | $25.53 | RM 31,752.03 | −RM 81.34 |
| | 3.1747 | $0.00 | RM 31,747.42 | −RM 85.95 |
| | 3.1674 | $0.00 | RM 31,674.20 | −RM 159.17 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1811 | – | RM 31,811.22 | |
| | 3.1807 | $25.53 | RM 31,725.80 | −RM 85.42 |
| | 3.1725 | $0.00 | RM 31,725.33 | −RM 85.89 |
| | 3.1652 | $0.00 | RM 31,652.16 | −RM 159.06 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1713 | – | RM 31,712.78 | |
| | 3.1722 | $25.53 | RM 31,641.01 | −RM 71.77 |
| | 3.1627 | $0.00 | RM 31,627.16 | −RM 85.62 |
| | 3.1554 | $0.00 | RM 31,554.22 | −RM 158.56 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1706 | – | RM 31,706.42 | |
| | 3.1711 | $25.53 | RM 31,630.34 | −RM 76.08 |
| | 3.1621 | $0.00 | RM 31,620.81 | −RM 85.61 |
| | 3.1548 | $0.00 | RM 31,547.89 | −RM 158.53 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1666 | – | RM 31,666.08 | |
| | 3.1581 | $0.00 | RM 31,580.58 | −RM 85.50 |
| | 3.1648 | $25.53 | RM 31,567.60 | −RM 98.48 |
| | 3.1508 | $0.00 | RM 31,507.75 | −RM 158.33 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1664 | – | RM 31,663.61 | |
| | 3.1578 | $0.00 | RM 31,578.12 | −RM 85.49 |
| | 3.1648 | $25.53 | RM 31,567.60 | −RM 96.01 |
| | 3.1505 | $0.00 | RM 31,505.29 | −RM 158.32 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1714 | – | RM 31,713.89 | |
| | 3.1628 | $0.00 | RM 31,628.26 | −RM 85.63 |
| | 3.1693 | $25.53 | RM 31,611.99 | −RM 101.90 |
| | 3.1555 | $0.00 | RM 31,555.32 | −RM 158.57 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1726 | – | RM 31,726.50 | |
| | 3.1726 | $25.53 | RM 31,644.80 | −RM 81.70 |
| | 3.1641 | $0.00 | RM 31,640.84 | −RM 85.66 |
| | 3.1568 | $0.00 | RM 31,567.87 | −RM 158.63 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 3.1726 | – | RM 31,726.50 | |
|---|---|---|---|---|
| | ||||
| | ||||
| |
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 MYR 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 MYR on every transfer from Singapore.
Right now, Wise pays 31,644.80 MYR on 10,000 SGD, which is 81.70 MYR less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 31,907.44 MYR.
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.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Malaysia.
We've tracked 89 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.
Cheapest in 29% of them
Cheapest in 43% of them
Never the cheapest
Based on 21 comparisons across 3 amounts over the last 7 days.
Cheapest in 55% of them
Cheapest in 23% of them
Never the cheapest
Based on 89 comparisons across 3 amounts over the last 30 days.
Cheapest in 61% of them
Cheapest in 17% of them
Never the cheapest
Based on 166 comparisons across 3 amounts over the last 90 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 Wise is the cheapest and gets you the most MYR, and it was also the cheapest in 55% of the 89 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to Malaysia.
There are 5 ways to send money to Malaysia across 4 money transfer companies.
Cheapest way to send money
Sending MYR 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$25.53 to send S$10,000, delivering 31,644.80 MYR after a 0% 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
Brokers are the best for large SGD transfers to Malaysia.
A currency broker can quote a lower margin on large SGD to MYR transfers and help with the paperwork and the entire process.
For example, Regency FX charges an exchange-rate markup of around 0.27% and no fees.
Our analysis shows Regency FX was the cheapest broker in 100% 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
A multi-currency account like Wise lets you convert SGD to MYR before travelling or paying your own bills overseas.
And you can hold both currencies in one account.
Wise will get you 31,644.80 MYR after fees when converting 10,000 SGD.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending S$10,000 gives your recipient 31,644.80 MYR.
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 Malaysia from Singapore.
Scan the company's PayNow QR code or use its registered identifier.
In Malaysia, they can receive MYR using bank deposit.
You pay S$10,000.00
RM31,645
Cheapest
You pay S$10,000.00
RM31,645
RM0
You pay S$10,000.00
RM31,267
-RM378
Consider these things before sending money from Singapore to Malaysia.
For a S$10,000 transfer to Malaysia, these are the best options to start with:
Cheapest: Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 31,644.80 MYR, which is 0.01% more than the next best option.
Fastest: Revolut, funded through bank transfer with bank deposit for the payout. Your recipient gets 31,523.70 MYR in within minutes.
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.
Every company here holds a MAS licence, which you can check yourself on the MAS register.
We track 4 of them on SGD to Malaysia, 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 89 comparisons across 3 amounts.
This page covers the cheapest and fastest options for SGD/MYR 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.
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