Who can I send US dollar (USD) to?

You can send US dollar (USD) to any bank account in the US that accepts ACH payments or wire payments. You can also send US dollar (USD) to bank accounts outside the US using the Swift payment network. These payments can take up to 6 working days to arrive and may be more expensive than transfers inside the US.

What information do I need about my recipient?

You’ll need their full name, full address (we don’t accept PO boxes), bank account number, ACH or wire routing number (or ABA), and account type. If you’re sending to an individual, please include their first and last names and use only Latin characters (a-z). There’s an 18-character limit on recipient names. Account numbers are between 4–17 digits long. Routing numbers are 9 digits long. Find your recipient’s routing number

How much can I send to Panama?

How much you can send depends on how you choose to send money to your recipient (ACH, wire, or Swift). 1,000,000 US dollar (USD) per local ACH transfer 6,000,000 US dollar (USD) per local wire transfer when paying from your US dollar (USD) balance 1,600,000 US dollar (USD) per international Swift transfer If your address is in Australia, Japan or the United States, there’s a daily cumulative limit of 5 million GBP, or equivalent in another currency, for sending Swift transfers.

How long does a money transfer to Panama take?

Once we receive and convert your money, we’ll send it out to your recipient. The delivery times will vary depending on the payout method used to send funds to your recipient. If you sent US dollar (USD) to someone in the US: ACH payments usually take 0-3 working days to arrive in their bank account. Wire payments* arrive on the same day or possibly on the following working day. *Your recipient may be charged an additional fee by their bank for incoming wire transfers. If you sent US dollar (USD) to someone outside the US: Swift/ International Wire usually takes 1-6 working days to arrive. We’ll always give you an estimate for how long your transfer will take when you set it up. Learn more about how long transfers take

Is there any other information I need to know?

You can’t send US dollar (USD) to a recipient’s brokerage account or an intermediary bank. We also don’t support For Further Credit (FFC) payments. Keep in mind some banks use different routing numbers based on the transaction type (i.e. Wire or ACH). If obtaining your recipient’s account details from a check, it may not have the correct routing number that corresponds to the transfer type being used.

Send money to Panama

Save on your online money transfer to Panama from Singapore. Transfer Singapore dollar to United States dollar quickly, safely and join over 12.8 million people using Wise.

Send money from Panama to Singapore instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (47h)

You send exactly

Recipient gets

Paying with

PayNow

PayNow fee
0 SGD
Our fee
131.46 SGD

Volume discount

-15.13 SGD

Total included fees (0.23%)
116.33 SGD

Should arrive in 7 hours

You're sending a lot so we discounted our fee

Savings on this transfer, and eligible transfers for the rest of the month.

Learn more

Compare fees for when you send money to Panama

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

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Sending 1,000 SGD with	Recipient gets(Total after fees)
	772.52 USD
Transfer fee 4.34 SGD Exchange rate(1 SGD USD) 0.775885 Exchange rate markup 0.08 SGD Cost of transfer 4.42 SGD

	738.12 USD- 34.40 USD
Transfer fee 6.43 SGD Exchange rate(1 SGD USD) 0.742897 Exchange rate markup 42.59 SGD Cost of transfer 49.02 SGD

	737.69 USD- 34.83 USD
Transfer fee 40 SGD Exchange rate(1 SGD USD) 0.768424 Exchange rate markup 9.69 SGD Cost of transfer 49.69 SGD

	676.12 USD- 96.40 USD
Transfer fee 120 SGD Exchange rate(1 SGD USD) 0.768324 Exchange rate markup 9.82 SGD Cost of transfer 129.82 SGD

This applies when you pay in via bank transfer or ACH payments. How do we collect this data?

Amount

From

	Wise	PayPal	UOB	OCBC
Recipient gets (Total after fees)	772.52 USD	738.12 USD	737.69 USD	676.12 USD
Exchange rate markup	0 SGD	42.52 SGD	9.62 SGD	9.75 SGD
Exchange rate (1 SGDUSD)	0.775885	0.742897	0.768424	0.768324
Transfer fee	4.34 SGD	6.43 SGD	40 SGD	120 SGD
Total transfer cost	4.34 SGD	48.95 SGD	49.62 SGD	129.75 SGD

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This applies when you pay in via bank transfer or ACH payments. How do we collect this data?

We’re regulated in every available region
We help 12.8 million customers move £30bn every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to Panama from Singapore

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send USD to any bank account in the US that accepts ACH or wire payments. Your recipient doesn't need Wise to receive money.
If your recipient has Wise, you can look them up on our network and send to them in seconds.

Enter the amount you want to send from Singapore dollar to United States dollar. Check out the fees — and see exactly how much you’ll get on the other side.

Pay in Singapore dollar by bank transfer, PayNow, card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 20,000 GBP or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

Secure money transfers to Panama

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Best ways to send money to Panama with WISE

The best way to send Singapore dollar to United States dollar is from a Wise balance. It’s cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.

Cheapest way to send money to Panama from Singapore

The cheapest way to send 50,000 SGD to Panama is from a Wise balance and costs 116.05 SGD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

SGD

USD

Sending 50,000 SGD	Transfer cost
Wise balance	116.05 SGD

Bank transfer	116.33 SGD

Fastest way to send money to Panama from Singapore

Sending money with Wise is super fast: 64% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

SGD

USD

Sending 50,000 SGD	Should arrive
Wise balance	in 7 hours

Bank transfer	in 7 hours