Comparison this morning...
to USD


to SGD


long story short, Wise loses by miles and MoneyMatch is the best for SGD for today's working day. Note: I checked using FPX rate on Wise, instead of Wise balance (that is a few bucks cheaper). I'm still holding some money from my travels so I can't do a full 20k transfer
Note: the column 45008 is only meant for Sunway Money where they offer more favourable rate at 45k and above (with RM8 fee)

Also for comparison, I checked rates last Saturday (sheets labelled 20240511):
https://docs.google.com/spreadsheets/d/1DF1...#gid=1635374305

It's really annoying for me to do during office hours... but looking at these rates, oklah just delay my work a bit

Cheaper to change SGD to USD Vs using wise.

Ahh, the only way I know of is via Wise.. you load money into Wise with USD, then using IBKR direct linkage with Wise (plus a bit of fee for USD), you can load USD into IBKR. This would've been a viable option if Wise was more competitive, but I learned after comparing that it is not, lol.

If you're doing this off business hours, it may be a different story because Wise seems consistent with their rates whereas the other 2 is much worse -- Wise was as good as SunwayMoney last Saturday.