Calculate the exact arrival time of your Singapore domestic or international bank transfer. Supporting FAST/PayNow, GIRO, MEPS+, and SWIFT across major banks in Singapore and worldwide.
Select your sending and receiving banks, choose a payment method, and enter the time you're making the transfer.
Three simple steps to find out when your money will arrive.
Choose the bank you're sending money from and the bank that will receive it. We support all major Singapore banks and financial institutions.
Select whether you're using FAST/PayNow (instant), GIRO (1-3 business days), or MEPS+ (same-day RTGS).
Tell us when you're sending the payment and we'll calculate exactly when the funds will arrive in the recipient's account.
Understanding the three main ways to send money between Singapore bank accounts.
FAST (Fast And Secure Transfers) is Singapore's electronic funds transfer service enabling near-instant domestic transfers 24 hours a day, 7 days a week, including weekends and public holidays. PayNow, built on FAST, lets you send money using a mobile number, NRIC/FIN, or UEN instead of a bank account number, making transfers even more convenient.
GIRO (General Interbank Recurring Order) is Singapore's direct debit and credit transfer system widely used for recurring payments such as utility bills, insurance premiums, loan repayments, CPF contributions, and salary crediting. GIRO transactions are processed in batches on business days only, typically taking 1 to 3 business days to complete.
MEPS+ (MAS Electronic Payment System) is Singapore's RTGS system operated by the Monetary Authority of Singapore (MAS). It settles high-value SGD payments individually in real time, providing immediate finality. Used for large corporate transactions, interbank settlements, and securities-related payments. Irrevocable once settled.
Our calculator covers all major Singapore banks and financial institutions.
Sending money between Singapore bank accounts is something millions of people do every day. Whether you're paying rent, sending money to family, settling a bill, or making a business payment, understanding how long your bank transfer will take is essential for financial planning.
FAST (Fast And Secure Transfers) is Singapore's real-time electronic funds transfer service, operated by the Banking Computer Services (BCS) and overseen by the Association of Banks in Singapore (ABS). Launched in 2014, FAST transformed domestic payments by enabling near-instant transfers around the clock.
PayNow, launched in 2017, is a peer-to-peer funds transfer service built on top of FAST. Key features include:
GIRO (General Interbank Recurring Order) is Singapore's direct debit and credit transfer system, widely used for recurring and batch payments. It has been a cornerstone of Singapore's payment infrastructure for decades.
GIRO transfers typically take 1 to 3 business days. Common uses include:
MEPS+ (MAS Electronic Payment System) is Singapore's Real-Time Gross Settlement (RTGS) system operated by the Monetary Authority of Singapore (MAS). MEPS+ settles each payment individually in real time, providing immediate finality for high-value transactions.
Key facts about MEPS+ in Singapore:
Singapore public holidays affect GIRO and MEPS+ processing. On these days, batch processing and RTGS do not operate, which means transfers are delayed to the next business day. FAST and PayNow, however, continue to operate 24/7, including on public holidays and weekends.
The 2026 Singapore public holidays are: New Year's Day (1 January), Chinese New Year (17–18 February), Good Friday (3 April), Hari Raya Puasa (estimated March/April), Labour Day (1 May), Vesak Day (estimated May), Hari Raya Haji (estimated June/July), National Day (9 August), Deepavali (estimated October/November), and Christmas Day (25 December). Exact dates for some holidays depend on religious observances.
Sending money abroad from Singapore typically involves the SWIFT network for international wire transfers. Our advanced international calculator covers 30+ countries and hundreds of banks worldwide.
SWIFT transfer times from Singapore vary by destination:
Singapore banks typically have SWIFT cutoff times between 2:00 PM and 4:00 PM SGT. Transfers sent after cutoff will begin processing on the next business day.
Everything you need to know about Singapore bank transfers.
It depends on the payment method used. FAST/PayNow transfers arrive within seconds and are available 24/7, including weekends and public holidays. GIRO takes 1–3 business days and only processes on business days. MEPS+ payments arrive the same business day if sent during operating hours. Most everyday personal transfers in Singapore now use FAST/PayNow by default.
FAST/PayNow operates 24/7, including weekends and public holidays, so your transfer will still arrive within seconds. However, GIRO and MEPS+ only process on business days. If you initiate a GIRO payment on Friday, it won't begin processing until Monday, arriving on Tuesday or Wednesday. MEPS+ transfers sent after operating hours or on non-business days will settle on the next business day.
PayNow is a peer-to-peer funds transfer service built on FAST that lets you link your bank account to your mobile number, NRIC/FIN, or UEN (for businesses). Instead of sharing your bank account number, you simply give someone your PayNow-linked identifier and they can pay you instantly. You can set up PayNow through your bank's internet banking or mobile app. Each identifier (e.g. mobile number) can only be linked to one bank account at a time.
FAST/PayNow is the default for personal transfers — instant, free at most banks, available 24/7, with a maximum of SGD 200,000 per transaction. GIRO is a batch processing system used for recurring bill payments, salary crediting, CPF contributions, and insurance premiums — takes 1–3 business days, very low or no cost. MEPS+ is for high-value, same-day payments settled in real time — used for corporate transactions, interbank settlements, and property deals, only available on business days during operating hours.
The standard FAST transaction limit is SGD 200,000 per transfer. However, individual banks may set their own daily transfer limits that could be lower. You can typically adjust your daily transfer limit through your bank's internet banking or mobile app, or by contacting your bank directly. For transfers exceeding SGD 200,000, you may need to use MEPS+ or make multiple FAST transfers.
International transfer times depend on the destination and method used. SWIFT transfers to Malaysia typically take 1–2 business days due to close banking relationships. Transfers to Asia-Pacific countries generally take 1–3 business days. Transfers to the UK, Europe, and North America usually take 2–4 business days, while transfers to Africa or South America may take 3–5 business days. Factors such as correspondent banks, compliance checks, time zones, and local holidays all affect delivery times. Use our international calculator for estimates specific to your bank and destination.