ATM access available via Cirrus/Plus networks. Expect SGD 3-8 operator fee + ~3% FX markup from your bank.

Credit/debit cards accepted for ~37% of e-commerce transactions. Standard 3D Secure verification typical.

Apple Pay / Google Pay work widely at Visa/Mastercard terminals. Some older restaurant terminals may not support contactless.

Visa/Mastercard universally accepted at retailers, restaurants, hotels, and hawker centres. Contactless available at most modern terminals.