Monthly Banking Cost Calculator (SGD)
Model your all-in monthly cost across local transfers (FAST/PayNow), international wires, FX conversion spreads, minimum balance/fall-below fees, and any monthly account fees. Adjust the numbers to match a specific bank or package.
banking cost calculator, SME fees Singapore, FAST fees, PayNow Business fees, international transfer fees, FX spread, fall-below fee, business bank account
How to use this page
Example scenarios
| Scenario | FAST (beyond quota) | PayNow (beyond quota) | Intl wires | FX volume × spread | Fixed (fees − rebates) | Total |
|---|---|---|---|---|---|---|
| Base | 40 × 0.50 = 20.00 | 60 × 0.30 = 18.00 | 8 × 15 = 120.00 | 150,000 × 0.35% = 525.00 | 18.00 | 701.00 |
| FX tier improvement | same | same | same | 150,000 × 0.20% = 300.00 | 18.00 | 476.00 |
| Higher local usage | 120 × 0.50 = 60.00 | 180 × 0.30 = 54.00 | same | 150,000 × 0.35% = 525.00 | 18.00 | 657.00 |
FAQ
Q1: Do I include payments within free quotas?
No. The calculator only charges for beyond-quota items for FAST and PayNow.
Q2: What about inbound international fees deducted by the payer’s bank?
Use the lifting/beneficiary selector to approximate typical deductions, or add them to “Other monthly costs.”
Q3: How do I model multiple FX corridors (USD, EUR, GBP)?
Sum the SGD-equivalent volumes and apply a weighted average spread. For precision, duplicate the FX line per currency and add the totals to “Other monthly costs.”
Q4: Can this run offline?
Yes. It’s pure front-end code with inline styles—no external calls.
Q5: How should I compare banks?
Save a copy of the page and pre-fill numbers for each bank (A/B/C/D). Compare totals across your low/base/high scenarios.
banking cost calculator, SME fees Singapore, FAST fees, PayNow Business fees, international transfer fees, FX spread, fall-below fee, business bank account
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About the Author
Helen Lili – Editor, Research Lead
Helen leads tariff analysis and product change tracking. She maintains the normalized dataset that powers our comparison tables and ensures each claim links back to a dated primary source.
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