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HOMEMONEY TRANSFER
Send Money Internationally from Singapore

Send Money Internationally from Singapore

Singapore is home to a workforce drawn from across South Asia, Southeast Asia, and beyond. Grey gives residents a USD account to receive salary or client income, then send to India, the Philippines, Indonesia, Malaysia, or anywhere Grey supports. The rate and fee are shown before you confirm.
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Send money from Singapore, from your Grey's USD balance

Singapore's resident workforce is one of the most internationally diverse in Asia. Indian professionals in fintech and engineering, Filipino domestic workers and nurses, Indonesian and Malaysian workers in construction and hospitality, Chinese nationals in trade and commerce. What they share is a financial obligation that crosses borders regularly.

Grey gives Singapore residents a USD account with US routing and account numbers. Your employer wires salary there. Clients pay invoices there. The money arrives in Grey. From that Grey balance, you send to SBI in Chennai, BDO in Cebu, BCA in Jakarta, Maybank in Kuala Lumpur, or any of the 80-plus countries Grey covers. The exchange rate and the fee are shown before you confirm.

You do not need a Singapore bank account to use Grey, and your recipient does not need a Grey account to receive. The transfer lands in their local bank as a standard credit. No new app, no registration, no pickup window.

Grey foreign bank account in Ghana
Sign up
Open a Grey account in under five minutes on your phone. Verify with a valid passport or Singapore NRIC. Grey Inc is registered with FinCEN at 651 N Broad St, Suite 206, Middletown, DE 19709, United States.
Fund
Your Grey USD account comes with US routing and account numbers. Share them with your employer for salary payments or with clients for invoices. Income lands in Grey directly. That Grey balance is what you send from.
Send
Pick your destination. Review the exchange rate and fee breakdown. Enter your recipient's bank or mobile wallet details. Send. Most transfers arrive within minutes from a funded balance.

Which currencies does Grey support from Singapore?

Grey supports transfers from Singapore to INR (India), PHP (the Philippines), IDR (Indonesia), MYR (Malaysia), GBP (the UK), USD (the US), NGN (Nigeria), and EUR (30 European countries via SEPA). All transfers show the current exchange rate and total fee before confirmation.
India
Indian professionals make up Singapore's largest expatriate community. Grey delivers to SBI, HDFC Bank, ICICI Bank, Axis Bank, and UPI wallets including Google Pay and PhonePe. The USD-to-INR rate and fee are shown before confirmation. Transfers typically arrive within minutes.
Philippines
Filipino domestic workers and healthcare professionals in Singapore send regularly to BDO, BPI, Metrobank, and GCash. Grey supports GCash delivery directly. Enter your recipient's registered mobile number and the PHP credit arrives within minutes.
Other destinations
Indonesian and Malaysian workers in Singapore send to BCA, BNI, Mandiri, BRI for Indonesia, and Maybank, CIMB, Public Bank, RHB for Malaysia. Both corridors show the rate and fee before you confirm.

What does it cost to send money from Singapore?

Singapore has strong competition in the remittance market. Wise, Instarem, YouTrip, and traditional banks all serve different corners of the market. The most accurate way to compare them is not to compare advertised fees but to enter the same amount on each and check how much the recipient actually receives. That number captures both fee and rate margin.

Grey charges a transparent conversion fee and applies a rate close to the mid-market rate. Both are shown in the app before confirmation. The amount your recipient receives is not an estimate at the point you confirm, it is a commitment.

For recurring transfers, the difference compounds. A provider with a 2 percent rate margin versus one at 0.5 percent costs SGD 15 more per SGD 1,000 per transfer. Across 12 monthly transfers that is SGD 180 per year in invisible rate cost.

How to fund your transfer

Your employer sends salary to your Grey USD account. Clients pay invoices there. Once funded, sending from Grey takes under two minutes.
Share Grey USD account details with your employer. Salary lands in Grey every payroll cycle.
India
India
India is the largest remittance destination from Singapore. Grey delivers to SBI, HDFC Bank, ICICI Bank, Axis Bank, and UPI wallets. The USD-to-INR rate and fee are both shown before confirmation. Transfers arrive within minutes.
Share Grey USD account details with your employer. Salary lands in Grey every payroll cycle.
Wire USD from any bank to your Grey account.
Philippines
Philippines
The Philippines is the second-largest remittance destination from Singapore. Grey delivers to BDO, BPI, Metrobank, and GCash. Enter your recipient's mobile number for GCash delivery. Transfers arrive within minutes.
Wire USD from any bank to your Grey account.
Grey shows the cost for each funding method before you confirm.
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Ghana
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Brazil
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Uganda

Best way to send money from Singapore

If total cost matters most
Grey shows the conversion fee and the exchange rate separately before confirmation. Wise and Instarem are competitive on rate but charge a variable fee that increases with transfer size. Singapore bank remittances apply SWIFT fees plus rate margins. Grey's total cost is competitive across most Singapore corridors.
If speed matters most
Transfers to India, the Philippines, Indonesia, and Malaysia via Grey typically arrive within minutes from a funded balance. Wise is also fast on these corridors. Singapore bank transfers take 1 to 3 business days with higher fees.
If you need more than transfers
Grey also gives you a multi-currency balance for USD, GBP, EUR and NGN, virtual cards for online payments, and GreyTag for free instant transfers to other Grey users.
Regulated by FinCEN
Grey Inc is registered with FinCEN (Financial Crimes Enforcement Network), registered address: 651 N Broad St, Suite 206, Middletown, DE 19709, United States. Every transfer is processed in accordance with US financial regulations.

Send money from Singapore to other countries

Grey supports transfers from Singapore to more than 80 countries. South Asia, Southeast Asia, Africa, Europe, and North America are all covered. Your Grey USD balance is the funding source for all corridors.

Grey also gives you a multi-currency balance to hold USD, GBP, EUR, and NGN, virtual cards for online payments, and GreyTag for free instant transfers to other Grey users. One app, more than one use.

Your USD balance converts to INR and lands in your recipient's Indian bank account or UPI wallet. SBI, HDFC Bank, ICICI Bank, Axis Bank, Google Pay, and PhonePe are all supported.
Your USD balance converts to GBP and reaches your recipient's UK bank account via Faster Payments, typically within minutes. Barclays, HSBC UK, Lloyds, and NatWest are all supported.
Wise is Grey's closest competitor for Singapore senders on cost and speed. Wise applies a variable fee and a rate close to mid-market. Grey also applies a rate close to mid-market with a transparent conversion fee shown before confirmation. For India, Philippines, and Indonesia corridors, compare the recipient amount directly.
Instarem and YouTrip serve the Singapore remittance market with varying fee structures and rates per corridor. Grey shows the full cost before confirmation. For the corridors Grey covers, the recipient amount is locked at confirmation and does not change between when you send and when it arrives.

A global money app you can actually trust

FAQs

Can I send money from Singapore with Grey?
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Yes. Grey gives Singapore residents a USD account to receive salary or client income. Once your Grey balance is funded, you can send to India, the Philippines, Indonesia, Malaysia, Nigeria, the UK, the US, and 80+ other countries.
How does the Grey USD account work for Singapore residents?
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Your Grey USD account has US routing and account numbers, functioning like a US bank account for receiving purposes. Share those details with your employer for salary payments or with clients for invoice settlements. Funds arrive in your Grey balance and are available to send internationally.
Do I need a Singapore bank account to use Grey?
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No. You fund Grey using your Grey USD account details, which your employer or clients send to directly. You do not need a Singapore bank account or local SGD funding to use Grey.
What are Grey's fees for sending money from Singapore?
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Grey charges a conversion fee on the transfer amount, shown in the app before you confirm. The exchange rate applied is also displayed before confirmation. Both numbers are visible before you commit. No hidden markups are added after you send.
How long does it take to send money from Singapore?
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Transfers to India, the Philippines, Indonesia, and Malaysia via Grey typically arrive within minutes from a funded Grey balance. Transfers to the US take 1 to 2 business days. Transfers to Europe via SEPA typically arrive within minutes.
Which countries can I send money to from Singapore with Grey?
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Grey supports transfers from Singapore to India, the Philippines, Indonesia, Malaysia, Nigeria, the UK, the US, and 30 European countries via SEPA, among others. The full list of supported destinations is visible in the app.
How is Grey different from Wise or Instarem for Singapore senders?
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Wise and Instarem are strong competitors. All three apply rates close to mid-market. The differences are in fee structure and corridor coverage. Grey charges a transparent conversion fee shown before confirmation. The most accurate comparison is to enter the same amount on each service and compare the recipient amount directly.
Is Grey regulated?
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Grey Inc is registered with FinCEN (Financial Crimes Enforcement Network) at 651 N Broad St, Suite 206, Middletown, DE 19709, United States. Every transfer is processed in accordance with US financial regulations.
What exchange rate does Grey use?
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Grey applies a rate close to the mid-market rate, shown in the app before you confirm your transfer. The rate displayed at confirmation is the rate applied. There is no adjustment after the fact.
Can my recipient receive money without a Grey account?
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Yes. Your recipient does not need a Grey account. Funds are delivered directly to their local bank account or mobile wallet as a standard local payment.
Can I send money from Singapore to Malaysia with Grey?
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Yes. Grey supports transfers from Singapore to Malaysia, delivering to Maybank, CIMB, Public Bank, and RHB. The USD-to-MYR rate and fee are both shown before confirmation. Transfers typically arrive within minutes.

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