SGD to JPY: yen rate and card costs
Convert Singapore dollars to Japanese yen, and JPY to SGD, at the ECB reference rate, then compare what a yen purchase costs on each card after fees and rewards.
Converter
1 SGD = 122.65 JPY · ¥100 = S$0.815
Reference rate as of 23 Oct 2026 (ECB via Frankfurter). Updated once per business day. Not a live trading rate.
Card networks and money changers apply their own rates and margins. The table below estimates what each card charges.
What you’d pay by card for ¥50,000
Change the amount in the converter above. Each figure is an estimate for a single in-store purchase in JPY.
Ranked by estimated net SGD cost after card FX fee and rewards (miles at 2.0¢). Ties: alphabetical by issuer.
Cards marked [Affiliate] earn SGfi a referral commission if you apply through these links. Ranking is not influenced by this.
Card FX fees and earn rates as published by issuers, verified 23 Oct 2026.
Miles valued at 2.0¢ per mile (SGfi default). Cashback counts at face value.Change
Miles cards are ranked by projected miles × this value. Cashback is always face value.
Preset values are derived from the SGfi Miles Value Index — the same Saver-award and cash-fare data used across the site. Adjust to match how you redeem.
- At reference rate, no feeReference point, not a cardS$407.66CostS$407.66
- ChargedS$420.91Rewards earned1,010 miles ≈ S$20.202.4 mpdNet cost S$400.71Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$420.91Rewards earned926 miles ≈ S$18.522.2 mpd
Overseas retail purchases, in-store or online
Net cost S$402.39Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$420.91Rewards earned926 miles ≈ S$18.522.2 mpd
Charges converted to SGD at the terminal (DCC) earn the local rate of 1.3 mpd
Net cost S$402.39Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$420.91Rewards earned883 miles ≈ S$17.682.1 mpdNet cost S$403.23Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$421.93Rewards earned843 miles ≈ S$16.882 mpdNet cost S$405.06Fees · min incomeS$196.20 annual feeS$30,000 min income3.5% FX feeApply[Affiliate]
- ChargedS$420.91Rewards earned505 miles ≈ S$10.101.2 mpd
Separate 18,000-mile voucher for S$10,000 foreign spend; qualifying period ends 31 Oct 2026
Net cost S$410.81Fees · min incomeS$397.85 annual feeMin income not stated3.25% FX fee - ChargedS$420.91Rewards earned505 miles ≈ S$10.101.2 mpd
In-store overseas rate; online spend follows a separate rate and cap
Net cost S$410.81Fees · min incomeS$196.20 annual feeS$80,000 min income3.25% FX fee - ChargedS$420.91Rewards earned505 miles ≈ S$10.101.2 mpd
Overseas dining 2.4 mpd needs S$1,000 of Singapore Airlines spend a year
Net cost S$410.81Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$421.93Rewards earned421 miles ≈ S$8.443 mpdMin spend S$2,000/month (1 mpd below)Below min spend S$2,000
Promotional rate the bank can withdraw; no end date published
Net cost S$413.49Fees · min incomeS$599.50 annual feeS$30,000 min income3.5% FX fee - ChargedS$420.91Rewards earnedS$7.161.7% cashback
Promotional 2% on physical-card contactless payments until 31 Jan 2027 not counted here
Net cost S$413.76Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$420.91Rewards earnedS$6.731.6% cashbackNet cost S$414.18Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$420.91Rewards earnedS$6.731.6% cashbackNet cost S$414.18Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$420.91Rewards earnedS$6.312.5% cashbackMin spend over S$2,000/month (1.5% below)Cap S$2,800 spend/month (0% above)Not above min spend S$2,000
2.5% when monthly spend is more than S$2,000; total cashback capped at S$70 per month
Net cost S$414.60Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$421.93Rewards earnedS$6.331.5% cashbackNet cost S$415.60Fees · min incomeS$196.20 annual feeS$30,000 min income3.5% FX feeApply[Affiliate]
- ChargedS$419.89Rewards earnedS$4.202% cashbackMin spend S$2,000/month (1% below)Below min spend S$2,000Net cost S$415.70Fees · min incomeS$0 annual feeS$120,000 min income3% FX feeApply[Affiliate]
- ChargedS$420.91Rewards earned168 miles ≈ S$3.370.4 mpd
4 mpd only at department, clothing, shoe and luggage stores, up to S$1,000 spend per statement month
Net cost S$417.55Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$420.91Rewards earned168 miles ≈ S$3.370.4 mpd
4 mpd only on contactless or online spend in eligible categories, up to S$1,000 spend per month · Higher tier linked to an HSBC Everyday Global Account balance not modelled
Net cost S$417.55Fees · min incomeS$0 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$420.91Rewards earned168 miles ≈ S$3.370.4 mpd
4 mpd only if the spend falls in your chosen bonus category, bonus up to S$1,000 spend per month
Net cost S$417.55Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$420.91Rewards earned168 miles ≈ S$3.374 mpdMin spend S$1,000/month (0.4 mpd below)Cap S$1,200 spend/month (0.4 mpd above)Below min spend S$1,000
Minimum spend counts foreign-currency spend in the statement period
Net cost S$417.55Fees · min incomeS$218 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$419.89Rewards earnedS$0.840.2% cashback
10% only in five bonus categories (e.g. overseas supermarkets) with S$800 monthly spend; capped at S$20 per category, S$100 in total
Net cost S$419.05Fees · min incomeS$0 annual feeS$30,000 min income3% FX feeApply[Affiliate] - ChargedS$420.91Rewards earnedS$1.260.3% cashbackNet cost S$419.65Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$420.91Rewards earnedS$1.260.3% cashbackSMRT$600 cashback cap per card yearNet cost S$419.65Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$420.91Rewards earnedS$1.263.55% cashbackMin spend S$800/month (0.3% below)Cap S$1,538.46 spend/month (0.3% above)Below min spend S$800
In-store spend only · Extra 3.25% capped at S$50 cashback per month
Net cost S$419.65Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeClosed to new applications
- ChargedS$420.91Rewards earnedS$1.260.3% cashback
5% on dining, shopping and entertainment needs S$600 spend in each month of the quarter; S$250 cashback cap per quarter
Net cost S$419.65Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$420.91Rewards earnedS$1.260.3% cashbackNet cost S$419.65Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$421.93Rewards earnedS$2.111% cashbackMin spend S$1,500/month (0.5% below)Below min spend S$1,500Net cost S$419.82Fees · min incomeS$99.19 annual feeS$30,000 min income3.5% FX fee
- ChargedS$420.91Rewards earnedS$1.050.25% cashback
yuu bonus rates apply to Singapore merchants only
Net cost S$419.86Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$420.91Rewards earnedS$1.050.25% cashback
Overseas dining 5%, groceries and transport 3%, petrol 6% with S$800 monthly spend; S$80 monthly cashback cap (S$160 at S$1,600)
Net cost S$419.86Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$420.91Rewards earnedS$0.840.2% cashback
Dining and groceries 6%, petrol 8% worldwide with S$800+ statement spend; S$80 monthly cashback cap
Net cost S$420.07Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$420.91Rewards earnedS$0.130.03% cashback
Quarterly cashback (S$60 / S$100 / S$200) needs S$600 / S$1,000 / S$2,000 spend and 10 transactions in each month of a quarter; a single month earns no quarterly cashback
Net cost S$420.79Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
These figures are estimates based on the amount and mile value you entered. They are not a quote from any bank or card network, and the SGD that posts to your statement can differ.
- The foreign amount is converted at the ECB reference rate. Card networks (Visa, Mastercard) apply their own daily rates, which can differ from the ECB reference rate.
- FX fees are as published by each issuer as of 23 Oct 2026, applied to the converted amount.
- The purchase is a single in-store transaction, and it is the only foreign-currency spend on the card this month. A minimum-spend threshold is tested against this amount alone.
- Rewards are earned on the SGD charged, including the FX fee, and miles are valued at the cents-per-mile figure you set.
- Rewards are subject to issuer exclusions, caps, merchant category (MCC) rules and promotional periods, which can change or end.
- Other spend on the card in the same month, which can move a card past a minimum spend or into a cap.
- Dynamic currency conversion, cash advances, ATM fees, merchant surcharges and annual-fee waivers.
- Welcome offers and rewards on spend outside this one transaction.
Data last refreshed: reference rate 23 Oct 2026 (ECB via Frankfurter) · card terms 23 Oct 2026 (issuer T&Cs and fee schedules).
Quick conversion table
At the reference rate for 23 Oct 2026, before any card fee or money-changer margin.
| JPY | SGD |
|---|---|
| ¥1 | S$0.00815 |
| ¥10 | S$0.0815 |
| ¥100 | S$0.815 |
| ¥1,000 | S$8.15 |
| ¥10,000 | S$81.53 |
| ¥100,000 | S$815.33 |
| SGD | JPY |
|---|---|
| S$1 | ¥123 |
| S$10 | ¥1,227 |
| S$100 | ¥12,265 |
| S$1,000 | ¥122,650 |
| S$10,000 | ¥1,226,500 |
| S$100,000 | ¥12,265,000 |
SGD/JPY over the last 90 days
- 90-day low
- 121.32
- 09 Sep 2026
- 90-day high
- 126.82
- 27 Jul 2026
- Average
- 123.8
- 65 ECB fixes
Spending yen on a Japan trip
Yen trips from Singapore tend to centre on Tokyo and Osaka, and the spending pattern differs from shorter regional holidays: hotel bills, rail travel and shopping can each produce a single charge in the tens of thousands of yen. Because the yen is quoted without decimals, those figures look large, and it is easy to misjudge one by a factor of ten. The quick conversion table above gives fixed reference points (¥1,000, ¥10,000, ¥100,000) for checking a price at a glance.
Large single charges matter for the card table in two ways. They can clear a monthly minimum spend in one go, which moves some cards onto a higher foreign-currency rate, and they can run into a monthly cap, after which further spend earns a lower rate or nothing. The note in each row shows which applies at the amount you enter. A trip charged within one statement month is closer to the table’s assumption than one that straddles two statement dates.
Hotels commonly place a pre-authorisation hold at check-in and charge the final bill at check-out. The hold and the final charge are converted separately, so the hold shown in your banking app may not match the SGD that eventually posts. The FX fee is applied to the transaction that posts, not to the hold.
On cash, yen bought from a money changer in Singapore carries the changer’s spread inside its rate. A withdrawal from a Singapore credit card at a Japanese ATM is a cash advance under the card’s terms, with its own fee and interest, so it is not costed in the table. Debit and multi-currency accounts follow their own fee schedules, which this page does not model.
Paying in SGD abroad: dynamic currency conversion
Dynamic currency conversion (DCC) is when a terminal, ATM or checkout page offers to charge you in Singapore dollars instead of the local currency. If you accept, the merchant’s payment provider converts the amount at a rate it sets, with its own margin built in, and the card network’s conversion is skipped.
Paying in JPY instead leaves a single conversion with the card network, followed by your issuer’s published foreign-currency fee. With DCC, the merchant’s margin replaces the network rate, and some issuers still apply a fee to SGD transactions processed outside Singapore, so the total can carry two layers of cost instead of one.
Declining it at a terminal in Japan:
- When the screen shows two amounts, one in SGD and one in JPY, select the JPY amount.
- If the cashier selects for you, ask for the charge in JPY before you tap or enter your PIN.
- On a printed slip, check that the currency is JPY and that no conversion rate or markup line appears.
- Online, choose the local-currency price where a checkout offers a currency switch.
Common questions
How much is 1 SGD in JPY today?
1 SGD = 122.65 JPY at the ECB reference rate for 23 Oct 2026. Put the other way, ¥100 is about S$0.82. The reference rate is published once per business day and is not a live trading rate.
How much is ¥10,000 in SGD?
¥10,000 is about S$81.53 at the reference rate for 23 Oct 2026, and ¥50,000 is about S$407.66. A card charge adds the issuer’s FX fee to those figures before any rewards.
Is it cheaper to be charged in SGD or JPY by card in Japan?
When a Japanese terminal offers SGD, accepting it lets the merchant’s provider convert at its own rate and margin, and some issuers still add a fee for SGD charges processed abroad. Paying in JPY leaves the conversion to the card network plus the issuer’s published fee. For the cards SGfi has verified, issuer fees run from 3% to 3.5%.
Which fees apply when I pay by card in Japan?
Visa and Mastercard each convert at their own daily rate, which can differ from the ECB reference rate. The issuer’s foreign-currency fee is then added. For the cards SGfi has verified, issuer fees run from 3% to 3.5%. Hotel deposits and pre-authorisation holds are released or replaced by the final charge, which is the amount the fee applies to.
How has SGD to JPY moved over the last 90 days?
Over the 90 days to 23 Oct 2026, 1 SGD ranged from 121.32 JPY (09 Sep 2026) to 126.82 JPY (27 Jul 2026), averaging 123.8 JPY (ECB via Frankfurter). Past movements are not indicative of future rates.
Related
Rates: ECB euro reference rates via Frankfurter, SGD cross rates derived from EUR fixes. Card terms: issuer T&Cs and fee schedules.