Why is my payment shown in SGD when using PayPal?

When making payments with PayPal, regardless of the original transaction currency, PayPal often defaults to converting the amount into Singapore Dollars (SGD) — as the issuing bank is based in Singapore — before submitting it to the card issuer.
To avoid additional costs and unfavorable exchange rates resulting from PayPal’s currency conversion, we recommend reviewing the "exchange rate options" shown on the payment page and selecting "conversion by your card issuer" to obtain a more favorable rate.

Online Payments

1. On the payment page, click “View Currency Options”
2. Select the merchant’s original currency (USD)
3. Confirm and complete the payment.

By doing so, PayPal will not force a conversion to SGD. Instead, the conversion will be handled by your card issuer, reducing unnecessary exchange rate losses.

P2P Transfers

1. On the transfer confirmation page, find “Convert currency with PayPal”
2. Click “Change”
3. Select “Convert with card issuer”

This ensures that PayPal does not force a conversion to SGD, and the card issuer will handle the conversion, helping you avoid extra exchange rate costs.