Best 24-Hour Money Changers in Singapore: 2025 Guide

Need to exchange currency at any hour in Singapore? Our guide to 24-hour money changers in Singapore helps both tourists and residents find the best exchange rates, whether you've just landed or are preparing for an overseas trip.

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What to look out for when choosing a money changer in Singapore

When selecting the best money changer in Singapore, you’ll want to consider the overall cost of the provider you pick and the convenience of using them.

Exchange rate

The exchange rate is the most important factor in determining the overall cost. Many money changers do not charge a separate commission fee, so the cost is built into the rate they offer. It's crucial to compare the rates from different providers to get the best value.

You can easily use a currency converter tool to keep an eye on the rate, and as a comparison against the exchange rates offered by money changers.

Rate checker tool

Transparency

While some providers, especially those at the airport, may have websites with live rates, many smaller money changers do not. This means you will likely need to visit a few locations in person to compare the rates on offer.

Convenience and location

Consider the location and operating hours. Money changers are often clustered in key areas like The Arcade, Lucky Plaza, and People's Park Complex. Choosing a location that is convenient for you to save travel time and hassle.

Operating hours

Money changing services typically have set hours, but some providers, such as Mustafa Centre, offer late or even 24/7 options, which can be useful if you need to exchange money outside of standard business hours.

While Mustafa Centre and Changi Airport are your go-to spots for true 24/7 service, places like People's Park and Lucky Plaza offer excellent rates during their extended hours. If your schedule allows for a visit during regular business hours, you can explore an even wider selection in our complete guide to the best money changers in Singapore for potentially more competitive rates.

Where to find 24-hour money changers

Singapore’s 24-hour and late-night money-changing landscape consists of clusters of money changers in specific areas, as well as alternatives like standalone ATM-like kiosks, which you can find in hotels throughout the city.

If you’d like to use an in-person money changer, there are key locations that have many chain and independent operators, which can help to drive down costs as providers compete for customers. Common places to look include:

• Mustafa Centre in Little India
• Changi Airport
• People’s Park Complex
• Lucky Plaza on Orchard Road
• Bugis Junction

Or if you’d prefer to use a money changer ATM, you can try FXChange kiosks¹. There are over 100 ATMs in hotels throughout the city, which accept foreign notes and convert them to SGD. These ATMs can handle 16 different currencies for incoming tourists.

You can also get 2-way ATMs which accept foreign notes for conversion to SGD, and Singapore dollars for conversion to foreign cash, at Changi airport. Check out the ATM locations on the FXChange website to see if one is handy for you.

Here’s a quick roundup of the late-night and 24-hour money-changing options in key locations in Singapore:

*Details correct at time of research - 15th August 2025. Double-check opening hours and the most recent information before you visit.

Top 24-hour money changers in Singapore: An overview

Let’s look a little closer at the popular 24-hour and late-night money changers mentioned above so you can decide which might suit your specific needs.

Mustafa Centre in Little India

The Mustafa Centre² in Little India is famous for offering uninterrupted service, 24/7, across multiple departments, including foreign exchange. You can find a good range of currencies, focusing on Southeast Asian and Middle Eastern currencies, including BDT, PKR, LKR, BHD, and JOD. Other currencies include DKK, NOK, ZAR, and MUR.

You can see indicative rates for your currency pair online, which gives a guide to what you can expect when you visit the store to make your exchange. Pay with cash or card on arrival.

Changi Airport

Changi Airport never sleeps - and neither do the money-changing services which operate there. You can find multiple options across all terminals, including landside and airside locations.

Landside options include Changi Recommends³, which has desks before immigration in all terminals, offering 19 major global and regional currencies. You can also look out for Prosegur⁴ exchange services, which have 15 locations across the airport, offering 20+ currencies, or Travelex⁵, which has 23 locations and offers 50+ currencies.

All of these providers offer both a click-and-collect service - which may snag you a better rate - or a walk-in option. You can see the click-and-collect exchange rates in advance, allowing you to compare your options and decide which is best for you.

People’s Park Complex

While the money changers in People’s Park Complex don’t operate 24/7, the advantage you get here is that there are many independent money changers, which can mean competition drives good rates. Generally, providers open from 9 am or 10 am and operate until 9 pm, with an hour break for lunch.

The money changers in People’s Park Complex usually do not have websites to let you view exchange rates prior to visiting, so you’ll need to browse the rates available on the boards outside stores when you visit.

Lucky Plaza on Orchard Road

Lucky Plaza on Orchard Road is home to many money-changing services spread from the basement floors throughout the building. Some offer a website to allow you to view the services available in advance, such as Jamserah Jas Money Changer⁶ and BKK Forex⁷. However, as all of these services are independently run, many do not have websites to give rate information in advance. Take some time to look at the rates on offer before you decide which option to use.

The money changers in Lucky Plaza do not operate 24/7, but many open from 9 am to 9 pm, giving plenty of options for late-night exchanges if you need them. Different providers set their own payment methods, but you can usually pay in cash, with a cheque, or by bank transfer.

Bugis Junction

Around the MRT and shopping area of Bugis Junction, there are several money changing services which operate late night trade through to 9 pm or later. Two popular services - 19 Exchange Money Changer and Bugis Money Changer are on the first floor of the Bugis Junction Mall.

These providers don’t advertise their available currencies or rates online, but do offer competitive services with a range of regional and global currencies available. As there are several options in a small area, you can easily compare your options to pick the best one for your specific exchange.

Online currency exchange services

If you’re getting currency for your next trip overseas, you don’t need to go to a money changer office if you’d prefer to get everything organized from home. You could choose a home delivery service like Thin Margin⁸, or get a multi-currency account and a card for overseas spending from a provider like Wise.

Thin Margin supports 24 currencies, including major options like USD, GBP, and EUR, and local currencies like PHP, VND, and MYR. You can order your currency online for home delivery - then all you need to do is wait for your money to arrive on your doorstep. Thin Margin orders must be at least 500 SGD in value, with no upper limit, and you can pay by PayNow / Bank Transfer or NETSPay when you order⁹.

If you’d prefer more flexibility, a digital multi-currency account might suit you better. We’ll cover how the Wise account and Wise card can help you avoid the hassle of exchanging money in person next.

Urgently need to exchange money? Exchange money anytime with Wise

While traditional money changers are great for stocking up on physical currency, multi-currency accounts have made cash-free travel easier and more efficient than ever.

The Wise account is an easy way to hold and exchange 40+ currencies, including SGD, MYR, EUR, CNY, and more. All you need to do is create a free account to get started.

With Wise, you can exchange currencies at the mid-market rate each time, with low, transparent conversion fees from 0.26% and absolutely no markups. Plus, you can order a linked Wise card for convenient spending without any foreign transaction fees, and up to 2 free ATM withdrawals to the value of 350 SGD when you're overseas. You'll even get 8+ local account details to get paid conveniently to your Wise account in SGD and a selection of other major global currencies.

Sending money or making payments abroad? Wise also offers fast, low cost transfers to 140+ countries - you can track your transfer in your account and your recipient will also be notified when a transfer reaches them.

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