Singapore is a city-state that combines urban excitement with natural beauty, thanks to its modern skyline, multicultural heritage, and verdant landscapes. Singapore is a cultural gumbo, with landmarks like Gardens by the Bay and Marina Bay Sands as well as historic districts like Little India and Chinatown. A familiarity with the local cash, cash and ATMs in Singapore, and payment methods is essential for navigating this ever-changing metropolis. Discover the captivating culture and breathtaking landscapes of Singapore with this comprehensive guide. The unforgettable moments and delicious Singaporean cuisine await you.
You may also enjoy reading Ultimate guide on how to save money for travelling in 2025.
Where can I find ATMs in Singapore?
Singapore is home to more than 3,000 ATMs. The top 8 commercial and specialised banks including a few from other countries, run these.
You can find ATMs at:
- Every one of Singapore Airport’s terminals,
- Main tourist streets of every area,
- Shopping centres,
- Food lanes,
- Bank branches,
- A few office buildings.
It will be difficult to find ATMs in:
- Residential neighbourhoods,
- Bus stops serving various regions,
- Outside of main thoroughfares in smaller towns,
- Places of worship,
- Remote resorts and retreats.
Best ATMs to use in Singapore for foreigners
The best ATMs for foreigners to use in Singapore are those owned by popular banks such as:
UOB,
Maybank,
Citibank,
DBS, and
POSB.
Don’t accept conversion at ATMs and withdraw only in local currency
In Singapore, some ATMs may ask – Accept OR Decline Conversion (also known as With or Without Conversion, or Charge in SGD).
- If you ‘Accept’ – ATM converts your money at ATM’s set exchange rate and you pay an extra % fee to the ATM for currency conversion also.
- If you ‘Decline’ – ATM will convert at exchange rate of the bank/card logo (Visa, Master, etc.).
So, to avoid extra fees while withdrawing cash in Singapore, select ‘Decline/Without’ Conversion or ‘Charge in SGD’.
If you’d like to understand more, read ATM fees abroad: Charges to use cards at foreign ATMs explained.
Can I use a foreign debit or credit card at an ATM in Singapore?
Yes, many types of foreign cards are easily accepted at ATMs in Singapore.
For a detailed guide, read Money and Currency in Singapore.
What are the ATM opening hours?
ATMs – In most cases, yes, they are open around the clock, every day of the year 24×7. You should have no trouble getting to any of them at any hour of the day or night because many of them are self-contained ATMs. Depending on the location, some bank branches may only be open from 9 am to 3 pm.
What do they call ATMs in Singapore?
ATMs display the word “ATM” or even just the name of the bank.
PIN type
While 4-digit PINs are also accepted, 6-digit PINs are more commonly used at Singaporean ATMs.
In addition, many stores still use antiquated technology that can’t process modern chip-and-pin cards without also reading the magnetic stripe.
Languages at ATMs in Singapore
English, Mandarin, Malay, and Tamil are the four default language options on most ATMs in Singapore.
If you don’t know these languages, translate the ATM screen in real time with Google Translate’s camera feature. Warning: These translations aren’t always right, so please be patient and don’t rush.
Do ATMs in Singapore work similarly as other countries?
ATMs in Singapore are state-of-the-art and functionally similar to their counterparts in the United States, the United Kingdom, EU, Australia, and India. After using these ATMs to withdraw cash, be sure to take your card with you because some of them fully insert it during the transaction.
Join the discussion, read and share cash related travel experiences on ATM Fee Saver’s Community Travel Forum at Money & Travel in South East Asia.
What currencies can I withdraw from ATMs in Singapore?
ATMs in Singapore dispense only the official currency Singapore Dollar (SGD). A handful of banks at some of their ATMs allow withdrawing USD and few other currencies, however, this is not very common.
ATM withdrawal limits in Singapore?
ATMs in Singapore have a maximum withdrawal limit per transaction of SGD 300 to SGD 2,000 per transaction, with the most common being SGD 1,000 or SGD 1,500.
ATM Fees in Singapore?
There are some fee-free ATMs in Singapore. Majority of the bank ATMs charge between SGD 3 to SGD 8 per transaction as ATM Fees to foreign cardholders (Singapore Dollars). Two bank ATMs do not charge fees to foreign cards.S o, there are limited fee-free options in Singapore for a foreign cardholder.
Apart from ATM Access Fees, there can be other potential charges to withdraw cash in Singapore – something every traveller handling cash in Singapore should be aware of. These are:
- Currency Conversion Fees (Accept or Decline Conversion)
- Your Bank’s currency conversion fee – Some banks charge the card holder a fee to use the card abroad. Cross check with your bank on what the charges are.
How to avoid high fees when withdrawing cash in Singapore?
- Use the fee-free or lower fee ATMs in the country.
- Use the ATM Fee Saver app to find fee-free or low-fee ATMs.
- Opt for “Decline Conversion” or “Without Conversion” during ATM transactions.
- Consider getting a fee-free travel card from your home country.
- Get one Visa and one Mastercard fee-free cards as some ATMs abroad accept only Visa and some only Mastercard.
- Avoid using ATMs at the airports, sometimes they have higher fees.
For a detailed guide, read Withdrawing cash abroad? 9 best ways to save foreign ATM fees.
Ways to find fee-free ATMs in Singapore?
Discover fee-free and low-fee ATMs on the ATM Fee Saver mobile app for iOS and Android. This app provides ATM PINs and details of leading bank ATMs such as ATM fees and withdrawal limits for foreign cardholders at ATMs in Singapore. Moreover, its simple fee calculator helps you determine exact withdrawal charges. You can also find cash tips and tricks on the app for 160+ countries including Singapore.
Download now from the App Store or Play Store.
Download ATM Fee Saver now.
Is it safe to use Singapore ATMs?
Typically, yes. A lot of ATMs have camera. Near ATMs, the crime rate is minimal.
To be safe, use precautions such as:
- Use the ATMs located inside bank branches instead of standalone ones.
- Avoid using ATMs on empty streets or late at night.
- Keep your card visible at all times.
- Cover the PIN pad with the palm of your hand to avoid revealing your PIN to hidden cameras.
- If you find any suspicious devices attached around the keypad area of the ATM, do not use the ATM.
- Be aware of your surroundings, if you see suspicious people, move away.
- Keep two or more cards as backup.
- If also using your mobile phone for the transaction, avoid using public Wi-Fi. Use VPN for extra protection.
FAQs
What to do if an ATM takes your card?
If an ATM in Singapore takes your card, contact the bank (if you used an ATM inside a bank branch), they may retreive your card if you have proof of identity. You can also contact the bank’s helpline but they usually retreive and resend new cards only for their own customers. If so, you’ll need to contact your own bank and ask them to deliver a new card at home or abroad.
Fee-free ATMs and possible to withdraw cash free of cost at ATMs here?
Yes, it is possible. There are some fee-free ATMs in Singapore. Majority of the bank ATMs charge between SGD 3 to SGD 8 per transaction as ATM Fees to foreign cardholders (Singapore Dollars). Two bank ATMs do not charge fees to foreign cards.S o, there are limited fee-free options in Singapore for a foreign cardholder.
Foreign cards from US, UK, India, China, Europe, Australia accepted at ATMs in Singapore?
Yes. Most ATMs in Singapore accept cards issued by the United States, the United Kingdom, Europe, and Australia.
Bitcoin ATMs?
Yes, Singapore does have around eight Bitcoin ATMs.
Foreign bank ATMs’ in Singapore
Bank of America: Sorry, but no, Bank of America ATMs are not available in Singapore.
Citibank: Indeed, Singapore is home to a plethora of Citibank ATMs.
Barclays: Sorry, but no, Barclays Bank ATMs are not available in Singapore.
HSBC: Indeed, Singapore is home to a plethora of HSBC ATMs.
Standard Chartered: Indeed, Singapore is home to a plethora of Standard Chartered ATMs.
