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🇸🇬 SGD / 🇨🇦 CAD ✓ Official Mid-Market Rate (0% Markup) Independent Analysis

SGD to CAD Exchange Rate & Bank Wire Fee Comparison (2026)

Convert Singapore Dollar (SGD) to Canadian Dollar (CAD). The live interbank midpoint rate is 1 SGD = 1.0484 CAD. Compare hidden currency conversion spreads across major international wire systems.

Live Converter

SGD to CAD Real-Time Calculator

Sourced via Central Bank Interbank Feeds
Quick amounts
S$
→
C$
1,048.45
Official benchmark rate (0% markup applied)
Rate Alert Monitor

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Historical Benchmarks

SGD to CAD Historical Exchange Rates

Official central bank reference rates across 30-day, quarterly, and annual lookbacks.

Official Reference Feeds
Period Interbank Midpoint Yield on S$1,000 Trend / Variance
Today (Interbank Midpoint) 1 SGD = 1.0484 CAD C$1,048.45 Current Live Rate
30 Days Ago 1 SGD = 1.0443 CAD C$1,044.25 +0.4% (Higher)
90 Days Ago (Quarterly) 1 SGD = 1.0610 CAD C$1,061.03 -1.2% (Lower)
180 Days Ago (Half-Year) 1 SGD = 1.0264 CAD C$1,026.43 +2.1% (Higher)
1 Year Ago (52W Midpoint) 1 SGD = 1.0484 CAD C$1,048.45 +0.0% vs Annual Baseline
Settlement Timeline

SGD to CAD Delivery & Settlement Windows

Estimated delivery windows based on standard clearing rails and banking cut-off schedules.

Target System: Interac / EFT (Transit & Institution Number)
Direct Domestic Rail 0 - 2 Hours

Local Automated Clearing

Transfers settling through local domestic rails (Interac / EFT (Transit & Institution Number)) typically clear within hours during standard operating windows.

Weekend Processing: Active on 24/7 Rails
Retail SWIFT Wire 1 - 3 Business Days

Correspondent Banking

Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.

Standard Cut-off: 15:00 Local Bank Time
Banking Calendar Standard Schedule

Cut-off & Holiday Factors

Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.

Holiday Settlement: Next Business Day
⚠️

Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (Interac / EFT (Transit & Institution Number)). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.

Institutional Market Windows

Global FX Market Trading Sessions & Real-Time Liquidity Clock

Live status of the four major international interbank wholesale currency dealing desks (UTC standard).

00:00:00 UTC
🇦🇺 Sydney Session
CLOSED
Wholesale Hours: 21:00 - 06:00 UTC
Pacific Clearing Window
🇯🇵 Tokyo Session
CLOSED
Wholesale Hours: 00:00 - 09:00 UTC
Asian Core Hub (21% Vol)
🇬🇧 London Session
CLOSED
Wholesale Hours: 08:00 - 17:00 UTC
European Core Hub (38% Vol)
🇺🇸 New York Session
CLOSED
Wholesale Hours: 13:00 - 22:00 UTC
Americas Core Hub (19% Vol)
🧭 Current Market Liquidity Status: Calculating...
Optimal execution: During London & NY overlap (13:00 - 17:00 UTC)

ℹ️ Market Operational Notice: Institutional trading sessions reflect international wholesale dealing hours. Retail bank wire transfers execute according to the sending and receiving commercial banks local business day cut-off calendars. For educational and liquidity timing analysis only.

Transfer Preparation

Required Details to Wire SGD to CAD

Make sure you have these exact payment credentials before initiating your transfer.

1. Recipient Identity

Beneficiary Full Name

Exact match as registered on recipient bank account.

2. Account Identifier

Interac / EFT (Transit & Institution Number)

IBAN, Account Number, or local domestic routing code.

3. Bank Code

SWIFT / BIC Code

8 or 11 character identifier of the recipient's bank branch.

4. Transfer Purpose

Payment Reference

Invoice number or descriptive reference for AML compliance.

Macroeconomic Analysis

SGD vs CAD: Central Bank Policy & Inflation Matrix

Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.

Official Macro Indicators
🇸🇬

Singapore Dollar (SGD)

Monetary Authority of Singapore (MAS)

Policy Rate

3.5%

Benchmark rate
Annual CPI Inflation

2.7%

Consumer prices
Estimated Real Yield (Rate - Inflation): +0.8%
🇨🇦

Canadian Dollar (CAD)

Bank of Canada (BoC)

Policy Rate

4.25%

Benchmark rate
Annual CPI Inflation

2.4%

Consumer prices
Estimated Real Yield (Rate - Inflation): +1.9%
Policy Rate Differential: 0.75% (SGD vs CAD)
Inflation Differential: 0.30% (Annual CPI spread)
ℹ️

Macroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (Monetary Authority of Singapore (MAS), Bank of Canada (BoC)) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.

Macroeconomic Valuation

SGD to CAD: Purchasing Power Parity (PPP) & Inflation Simulator

Simulate real consumer purchasing power erosion across cumulative central bank CPI inflation lookbacks.

1. Origin CPI Erosion +25.8%

To match the domestic purchasing power of S$1,000 from 2020, you need:

Adjusted Domestic Principal

S$1,258.26 SGD

Based on cumulative Monetary Authority of Singapore (MAS) CPI figures.

2. Nominal Spot Payout Current Interbank

Converting that baseline principal today at current interbank spot (1 SGD = 1.0484 CAD) yields:

Nominal Spot Converted

C$1,048.45 CAD

Without real purchasing power adjustment.

3. Real PPP Equivalent +23.4% Target CPI

True purchasing power parity target in CAD to preserve original basket consumption:

Real PPP Target Value

C$1,318.95 CAD

Reflects bilateral real exchange rate parity.

Purchasing Power Parity Alignment Gauge: Calculated Parity

Relative inflation differential between SGD and CAD indicates historical purchasing power trajectory.

⚖️ Purchasing Power Parity (PPP) & Inflation Notice: Real purchasing power calculations are modeled from national Consumer Price Index (CPI) datasets published by official statistical bodies and IMF World Economic Outlook benchmarks. Compound inflation adjustments reflect representative consumer basket indices and do not guarantee specific commodity, asset, or real estate values. Provided strictly for educational and macroeconomic comparative analysis.

Interactive Trend Analysis

SGD to CAD Historical Exchange Rate Chart

Real-time interbank rate trajectory across standard historical observation periods.

Period Low

--

Period High

--

Period Average

--

Current Spot

C$1.0484

⚖️ Historical Data Disclaimer: Historical exchange rate trajectory is synthesized from official central bank reference fixes and interbank mid-market fixes. Past foreign exchange movements do not predict future trends. For informational, educational, and analytical benchmarking purposes only.

Corridor Volatility & Trend

52-Week Exchange Rate Position

Liquidity Status: High & Stable
52W Low: C$1.0065 Current: C$1.0484 52W High: C$1.0904
Lower bound Current rate sits at 50.0% of annual range Upper bound
Independent Market Analysis

Compare Wire Transfer Costs: SGD to CAD

Estimates based on standard retail bank margins vs direct interbank rail settling.

Zero Promotional Bias
S$1,000 SGD
S$250 S$5,000 S$10,000 S$20,000
Benchmark

Direct Midpoint Rail

0.0% Rate Markup (Interbank)

Rail Fee:S$4.50
Rate:1.0484
Clearing:Instant / Same Day
Recipient Receives

C$1,048.45

Maximum Yield

Optimal Benchmark Rail
Retail SWIFT

Commercial Banks

~3.2% Hidden FX Margin

SWIFT Fee:S$25.00
Bank Rate:1.0149
Speed:2-4 Business Days
Recipient Receives

C$872.53

-Lost to Hidden Margin

High Intermediary Margin
Consumer Wallet

Global Wallets

3.5% Currency Spread

Tx Fee:S$4.99
Rate:1.0118
Speed:Instant (Closed Wallet)
Recipient Receives

C$887.41

Closed loop balance

Convenient but Marked Up
Cash Agent

Cash Remittance

Retail Spread + Cash Fee

Counter Fee:S$8.00
Rate:1.0233
Speed:Physical Counter / 1 Day
Recipient Receives

C$896.12

Physical cash pickup

Agent Network Fee
Transparent Cost Breakdown

Traditional Bank Wire Cost Itemization (SGD to CAD)

See how retail banks charge upfront wire fees, SWIFT intermediary deductions, and currency markup.

Based on G20 Remittance Pricing Metrics
Transfer Principal: S$1,000.00 SGD
1. Originating Bank Upfront Wire Fee

Fixed outgoing international wire tariff charged by retail banks.

S$25.00
2. SWIFT Intermediary / Correspondent Bank Fee

Charged by routing banks under standard SWIFT SHA/BEN clearing rules.

S$20.00
3. Retail Exchange Rate Margin (Hidden Spread)

Typical 2.8% markup added on top of the interbank midpoint.

S$28.00
Total Traditional Bank Friction: -S$73.00
Recipient Receives via Commercial Bank: C$883.60
Transparent Direct Rail 0% Rate Markup
Direct Domestic Clearing Fee: S$4.50
Intermediary Correspondent Deductions: S$0.00 (Bypassed)
Currency Exchange Markup: 0.00% (Interbank Spot)
Recipient Receives: C$1,043.73
Estimated Direct Advantage: +C$160.13

🔒 Benchmarking Methodology & Regulatory Notice: The simulated fee itemization reflects empirical retail banking wire pricing standards reported under the G20 Financial Stability Board cross-border payment targets and World Bank Remittance Prices Worldwide dataset. SWIFT correspondent deductions depend on whether the transfer is initiated as OUR, SHA, or BEN, and intermediary routing hops. WireCompare is an independent analytical benchmark engine, not a regulated bank.

Lookup Tables

SGD to CAD Fast Conversion Matrix

Direct interbank rate values compared against typical commercial bank payouts.

🇸🇬 SGD to 🇨🇦 CAD

1 SGD = 1.0484 CAD
Amount Mid-Market Rate Bank Payout Hidden Spread
S$1 SGD C$1.05 CAD C$0.00 -C$20.33
S$5 SGD C$5.24 CAD C$0.00 -C$20.47
S$10 SGD C$10.48 CAD C$0.00 -C$20.63
S$25 SGD C$26.21 CAD C$5.07 -C$21.14
S$50 SGD C$52.42 CAD C$30.45 -C$21.98
S$100 SGD C$104.84 CAD C$81.19 -C$23.65
S$250 SGD C$262.11 CAD C$233.43 -C$28.69
S$500 SGD C$524.22 CAD C$487.15 -C$37.07
S$1,000 SGD C$1,048.45 CAD C$994.60 -C$53.85
S$5,000 SGD C$5,242.24 CAD C$5,054.19 -C$188.05
S$10,000 SGD C$10,484.48 CAD C$10,128.68 -C$355.80

🇨🇦 CAD to 🇸🇬 SGD (Reverse)

1 CAD = 0.9538 SGD
Amount Mid-Market Rate Bank Payout Hidden Spread
C$1 CAD S$0.95 SGD S$0.00 -S$18.50
C$5 CAD S$4.77 SGD S$0.00 -S$18.62
C$10 CAD S$9.54 SGD S$0.00 -S$18.77
C$25 CAD S$23.84 SGD S$4.62 -S$19.23
C$50 CAD S$47.69 SGD S$27.70 -S$19.99
C$100 CAD S$95.38 SGD S$73.86 -S$21.52
C$250 CAD S$238.45 SGD S$212.35 -S$26.10
C$500 CAD S$476.90 SGD S$443.17 -S$33.73
C$1,000 CAD S$953.79 SGD S$904.80 -S$48.99
C$5,000 CAD S$4,768.95 SGD S$4,597.88 -S$171.07
C$10,000 CAD S$9,537.91 SGD S$9,214.23 -S$323.68
Mid-Market Rate

1.0484

1 SGD = C$1.0484

Inverse Rate

0.9538

1 CAD = S$0.9538

52-Week Range

1.0065 - 1.0904

Annual volatility band

Target Bank System

Interac / EFT (Transit & Institution Number)

Clearing rail for CAD

Knowledge Base

Frequently Asked Questions (SGD to CAD)

Click any question to expand
Q What is the current exchange rate for SGD to CAD?
As of 2026, the real mid-market interbank rate is 1 SGD = 1.048448 CAD. This is the true benchmark rate with zero hidden bank markup.
Q How much does a bank charge to send SGD to CAD?
Most traditional high-street banks charge a front-end wire fee of around S$25 plus a 2.5% to 4% hidden exchange rate markup. On a S$1,000 transfer, you typically lose around C$54.20 compared to specialized neobanks like Wise.
Q What bank codes are needed to send CAD to Canada?
To receive CAD in Canada, the recipient typically needs to provide their Interac / EFT (Transit & Institution Number).
Q How fast does an international transfer take between SGD and CAD?
Using modern digital payment networks (like Wise or local fast rails), transfers often arrive within minutes or hours. Traditional SWIFT bank wires take 2 to 4 business days.

Related Corridors From SGD

View Reverse: CAD to SGD →

SGD → USD

1 SGD = 0.7570 USD

SGD → EUR

1 SGD = 0.6998 EUR

SGD → GBP

1 SGD = 0.5840 GBP

SGD → JPY

1 SGD = 115.3671 JPY