DCC calculator

The SGD button costs you money.

See the estimated cost before a card terminal or ATM asks whether you want to pay in local currency or Singapore dollars.

Purchase amount Local currency

Your card's foreign-currency fee Multi-currency / no-FX-fee card ≈ 0% Typical Singapore bank card ≈ 3.25% Custom Custom fee %

DCC markup 6%Industry typical: 5–8% SGD cross-border fee 1%Many Singapore banks charge about 1% on overseas SGD transactions.

Pay in JPY

$83.50

Includes your card's foreign-currency fee.

Pay in SGD (DCC)

$86.58

Includes the DCC markup and SGD cross-border fee.

Choosing JPY saves you $3.08

Mid-market rate: 1 SGD = 123.66 JPY

Frankfurter v2 · central-bank reference rates · 2026-11-08

Data may be out of date. Check a current provider before making a transaction.

Rule of thumb: always choose the local currency.