Generally, Singapore is pretty cashless - most retailers and restaurants, and even many small food stores at hawker centers, will take a card payment. There are also ATMs everywhere if you decide you really need cash - making spending with a travel card a smart option for many people.

In 2026, Singapore is one of the most cashless societies in the world, so carrying a contactless credit or debit card (or a digital wallet like Apple Pay or Google Pay) is significantly better for most travelers. Cards are accepted almost everywhere, from high-end boutiques in Orchard Road to the public MRT trains and buses—where you can simply "tap and go" with your own card without needing a tourist pass. However, you should still carry a small amount of cash (approx. $20–$50 SGD) for specific situations. While many Hawker Centres and small "mom-and-pop" shops now accept digital payments via SGQR codes, some older vendors or small stalls for traditional snacks may still prefer cash for small transactions. Additionally, having a few coins or small bills is helpful for public restrooms that may have a nominal fee or for tipping in very specific service scenarios. Overall, 95% of your trip can be handled digitally, but a small cash "buffer" ensures you aren't caught off guard at a local neighborhood stall.