฿131THB
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Cheapest way to send 5 SGD to THB
The mid-market figure above is the clean reference. Most banks and cards give 1.5-3% less, which on 5 SGD is around 3.27 THB lost to the spread before any fee. A provider that pays close to mid-market keeps that difference in your pocket.
| Route | Cost vs mid-market | |
|---|---|---|
| Wise | Mid-market rate, low stated fee | Check live quote → |
| Typical bank or card | ~1.5-3% worse, plus receiving fees | — |
How SGD/THB has moved
Common Singapore dollars to Thai baht amounts
What people actually convert 5 Singapore dollars for
Small conversions: street-level spending. Amounts this size are travel-money territory: a taxi from the airport, a couple of street-food meals, a Grab ride, or testing whether your card works before you trust it with more. At this level the rate matters far less than fees: a 250 THB foreign ATM fee or a card's foreign-transaction fee can cost more than the entire spread.
Related reading: Travel money guides, Thai bank exchange rates.
The SGD/THB corridor
Who converts SGD to THB: Singaporean weekend and holiday visitors (one of Thailand's biggest short-haul tourist groups), Singapore-based professionals with Thai property or family, and businesses on the Singapore-Bangkok route.
What moves the rate: Monetary Authority of Singapore policy, Singapore's role as a regional financial hub, and Thai tourism flows. SGD/THB is usually the steadiest of the major THB pairs because both currencies are managed against baskets.
Go deeper: Cost of living guides, Compare transfer providers.
What this rate actually means
Quick answer: 5 SGD to THB is 131 THB at the latest daily mid-market reference rate. People also search this as "5sgd to thb", "5 sgd to thb" and "5 Singapore dollars to thb".
The figure above is the mid-market rate, the midpoint reference used to compare quotes. It carries no consumer margin, which is why the exact rate you receive from a bank, card, exchange booth, or transfer provider can be different.
Every consumer channel has a cost somewhere: a visible fee, a weaker exchange rate, card funding costs, weekend pricing, receiving-bank fees, or transfer limits. On a 5 SGD conversion, a small spread can matter more than the headline fee.
The Baht uses a daily mid-market reference snapshot from ExchangeRate-API (open.er-api.com). Browser pages may refresh to the latest available API value, but this is still a consumer reference rate, not a guaranteed bank or provider quote. The historical trend chart uses European Central Bank reference rates via the Frankfurter API, which publishes one fixing per working day, so the latest point on the chart can differ slightly from the headline figure. For the practical question of who pays closest to this rate, see our provider leaderboard, last checked 23 May 2026, 15:05 BST, and the full methodology.