ATMs at Singapore Changi Airport (SIN): Locations, Fees, Hours

Location: , Singapore Currency: SGD S$ Singapore Dollar

ATMs in Singapore Changi Airport (SIN) Locations & Hours

Here’s a complete list of ATMs located inside Singapore Changi Airport (SIN), plus additional ATMs and banks near Singapore Changi Airport (SIN) for convenient cash withdrawals before or after your flight.

T1 Public Arrival Hall ATM Cluster — Arrival Hall (Landside)

• Location: Terminal 1 public Arrival Hall (landside); Changi lists multiple banks in T1 Arrival Hall including DBS, OCBC, UOB, State Bank of India, HSBC, and ICBC
• Hours: Open 24 hours (daily) for ATM access in public terminal areas, subject to individual machine uptime

T1 Public Departure Hall ATM Cluster — Departure Hall (Landside)

• Location: Terminal 1 public Departure Hall (landside); Changi lists DBS, OCBC, and UOB ATMs in the T1 departure hall
• Hours: Open 24 hours (daily)

T1 Transit ATM — Departure Transit Hall West (near Money Changers) [DBS]

• Location: Terminal 1, Transit Level 2, Departure Transit Hall West (near Money Changers)
• Hours: Open 24 hours (daily)

T1 Transit ATM Cluster — Departure Transit Hall East (near Money Changers) [OCBC, UOB]

• Location: Terminal 1, Transit Level 2, Departure Transit Hall East (near Money Changers)
• Hours: Open 24 hours (daily)

T2 Public ATM Cluster — Level 1 Arrival Hall South (near Coach Stand) [DBS, OCBC, UOB, Citibank]

• Location: Terminal 2, Public Level 1, Arrival Hall South (near Coach Stand)
• Hours: Open 24 hours (daily)

T2 Public ATM Cluster — Level 2 Departure Hall North (near Train to City) [DBS, OCBC, UOB, Bank of China]

• Location: Terminal 2, Public Level 2, Departure Hall North (near Train to City / MRT connection direction)
• Hours: Open 24 hours (daily)

T2 Transit ATM — Level 2 Departure Transit Hall North (near Skytrain) [DBS]

• Location: Terminal 2, Transit Level 2, Departure Transit Hall North (near Skytrain)
• Hours: Open 24 hours (daily)

T2 Transit ATM Cluster — Level 2 Departure Transit Hall North (near Enchanted Garden) [OCBC, UOB]

• Location: Terminal 2, Transit Level 2, Departure Transit Hall North (near Enchanted Garden)
• Hours: Open 24 hours (daily)

T2 Transit ATM Cluster — Level 2 Departure Transit Hall South (near Dreamscape) [DBS, OCBC, UOB]

• Location: Terminal 2, Transit Level 2, Departure Transit Hall South (near Dreamscape)
• Hours: Open 24 hours (daily)

T3 Public ATM Cluster — Level B2 (near Information Counter) [DBS, OCBC, UOB]

• Location: Terminal 3, Public Level B2 (near Information Counter; convenient for MRT/terminal connector users)
• Hours: Open 24 hours (daily)

T3 Public ATM — Level 1 Arrival Hall Central [HSBC]

• Location: Terminal 3, Public Level 1, Arrival Hall Central
• Hours: Open 24 hours (daily)

T3 Public ATM Cluster — Level 1 Arrival Hall North (near Train to City) [OCBC, UOB, Maybank]

• Location: Terminal 3, Public Level 1, Arrival Hall North (near Train to City / MRT direction)
• Hours: Open 24 hours (daily)

T3 Public ATM Cluster — Level 1 Arrival Hall South (near McDonald’s) [Bank of China, ICBC]

• Location: Terminal 3, Public Level 1, Arrival Hall South (near McDonald’s)
• Hours: Open 24 hours (daily)

T3 Public ATM Cluster — Level 2 Departure Hall North (near Train to City) [DBS, UOB]

• Location: Terminal 3, Public Level 2, Departure Hall North (near Train to City direction)
• Hours: Open 24 hours (daily)

T3 Transit ATM — Level 2 Departure Transit Hall North [DBS]

• Location: Terminal 3, Transit Level 2, Departure Transit Hall North
• Hours: Open 24 hours (daily)

T3 Transit ATM Cluster — Level 2 Departure Transit Hall South [DBS, OCBC, UOB]

• Location: Terminal 3, Transit Level 2, Departure Transit Hall South
• Hours: Open 24 hours (daily)

T4 Public ATM Cluster — Level 1 Arrival Hall Central [DBS, OCBC, UOB, HSBC]

• Location: Terminal 4, Public Level 1, Arrival Hall Central
• Hours: Open 24 hours (daily)

T4 Public ATM Cluster — Level 2 Departure Hall Central [DBS, OCBC, UOB]

• Location: Terminal 4, Public Level 2, Departure Hall Central
• Hours: Open 24 hours (daily)

T4 Transit ATM Cluster — Level 2 Departure Transit Hall North [DBS, OCBC, UOB]

• Location: Terminal 4, Transit Level 2, Departure Transit Hall North
• Hours: Open 24 hours (daily)

Jewel Changi ATM Cluster — B1 (FXChange / UOB / OCBC / DBS / ICBC / Citibank kiosks)

• Location: Jewel Changi Airport, B1 (ATMs listed around kiosks such as FXChange #B1-K200/#B1-K206, UOB #B1-K201/#B1-K208, OCBC #B1-K203, DBS #B1-K204, ICBC #B1-K207, Citibank #B1-K209)
• Hours: Generally follows Jewel public access hours; some ATM kiosks may be accessible longer than retail shops

Jewel Changi ATM / Money Services — L4 (FXChange area)

• Location: Jewel Changi Airport, Level 4 (ATM / money exchange services area including FXChange kiosk zone)
• Hours: Generally follows Jewel operating hours

Nearby Option: Changi Airport MRT Station Connector ATMs (T2/T3 Link Area)

• Location: Connected public link and MRT-access areas between Terminals 2 and 3 (use airport signage for “Train to City / MRT”)
• Hours: Typically very long hours; many machines operate 24 hours, subject to access zones

Nearby Option: Changi Airport PTB / Ground Transport Area ATMs

• Location: Public ground transport and coach-facing areas in Changi terminals (especially T2/T3/T4 arrival-side public halls)
• Hours: Open 24 hours (daily) in main public terminal ATM clusters

Singapore Changi Airport (SIN) ATMs Walkthrough & Map

Follow the step-by-step walkthrough below to find ATMs when arriving at Singapore Changi Airport (SIN). For terminal maps and official airport info, visit Singapore Changi Airport (SIN) map/homepage.

International Arrivals (SIN — Terminals 1, 2, 3, or 4)

1. After landing, follow airport signs for Arrivals and Immigration.
2. Complete immigration clearance, then proceed to Baggage Claim and collect your luggage.
3. Pass through Customs and exit into the public Arrivals hall (landside).
4. At Changi, the easiest ATMs for arriving passengers are usually in the public Arrival Hall of your terminal (for example: T2 L1 Arrival Hall South, T3 L1 Arrival Hall Central/North/South, T4 L1 Arrival Hall Central).
5. Look for overhead signs reading “ATM”, “Cash Machine”, or bank logos such as DBS / OCBC / UOB / HSBC / Citibank / Maybank / Bank of China.
6. If the first machine is busy or rejects your card, stay in the same hall and walk to the next cluster—Changi often places multiple bank ATMs together in the same arrival zone.
7. Withdraw cash before heading to taxi, ride-hailing pick-up, coach stand, or MRT / Train to City.
8. If you accidentally head toward the train first, you can also use ATMs in the T2/T3 public connector and MRT-direction areas, especially near the “Train to City” wayfinding points.

Transit / Connecting Passengers (SIN)

1. If you are already airside (transit) and do not plan to enter Singapore, do not exit immigration just to find cash.
2. Use Changi’s transit ATMs inside the departure transit halls (available in T1, T2, T3, and T4; many are near landmarks like Money Changers, Skytrain, Enchanted Garden, and Dreamscape).
3. Follow signs for your gate area first, then look for signs marked ATM / Banking Services in the transit concourse.
4. If one transit ATM is crowded, try another nearby transit cluster in the same terminal (for example, T2 North vs. T2 South transit hall clusters).
5. Withdraw only what you need if you are transiting onward and won’t be entering Singapore city, since you may not need SGD at all for a short layover.

Quick SIN Landmarks That Mean You’re Close

• T2: If you see signs for Coach Stand (Arrival Hall South) or Train to City (Departure Hall North), you’re close to major public ATM clusters.
• T3: If you’re near McDonald’s, the Information Counter (B2), or Train to City signs, you’re near known ATM locations.
• T4: The Arrival Hall Central and Departure Hall Central are the easiest ATM zones in public areas.
• T1: Look in the public Arrival/Departure halls or transit east/west near Money Changers.
• Jewel: If you walk into Jewel Changi, head to B1 for one of the most ATM-dense areas connected to the airport.

Use the map below to find the nearest ATMs and banks near Singapore Changi Airport (SIN), especially if you can’t use the ATMs inside the airport or prefer to withdraw cash outside the airport.

ATM Withdrawal Tips & Advice for Singapore Changi Airport (SIN)

• Use the arrivals hall ATM clusters immediately after customs. At SIN, each terminal’s public arrivals hall usually has multi-bank ATM groupings, which is the fastest option before heading to transport.
• Changi has strong ATM coverage in both public and transit areas. If you are connecting and staying airside, use the transit ATMs instead of exiting immigration—especially in T1/T2/T3/T4 departure transit halls.
• “Train to City” signs are useful ATM landmarks. In T2 and T3, several ATM clusters are specifically listed near the Train to City direction, so these signs can guide you quickly even if you don’t see an ATM sign right away.
• Jewel B1 is a strong backup if your terminal ATM is busy. Jewel Changi’s B1 level has multiple bank ATMs in one area, which is very convenient if you want more bank options without leaving the airport complex.
• Expect local ATM operator fees depending on your card and bank. Changi’s ATMs are mostly standard bank machines, but your overseas bank may still charge foreign withdrawal or network fees. Withdraw larger amounts fewer times if you want to reduce fee frequency.
• Choose SGD (Singapore dollars) if offered a currency choice. Some ATMs may present a conversion option; choosing SGD usually avoids dynamic currency conversion markups.
• If a foreign card fails at one bank, try another bank in the same cluster. Changi’s multi-bank groupings (DBS/OCBC/UOB/HSBC/Citibank/etc.) make it easy to switch machines without walking far.
• Withdraw before taxi/ride-hailing pickup if you want cash on arrival. Changi’s landside ATMs are easiest to use before you commit to the curbside pickup flow.
• For late-night arrivals, public terminal ATM clusters are usually the safest first choice. Changi lists many terminal ATMs as 24 hours, while shops or counters nearby may not be open.
• If you only need transit spending money, don’t over-withdraw. Changi has broad card acceptance in terminals and Jewel, so a small cash amount is often enough for minor purchases.

FAQs – Singapore Changi Airport (SIN) ATMs

Are there ATMs in all Changi terminals (T1, T2, T3, and T4)?
Yes. Changi Airport lists ATMs across all four passenger terminals, including both public (landside) and transit (airside) areas.

Are SIN airport ATMs open 24 hours?
Many Changi ATMs are listed as Open 24 hours (daily), especially the terminal ATM clusters in public halls and transit areas. Individual machine availability can still vary if a specific unit is offline or under maintenance.

Can I find an ATM after security at Singapore Changi Airport?
Yes. Changi has multiple transit (post-security / airside) ATM locations in T1, T2, T3, and T4, which is helpful for connecting passengers.

Which terminals are best for arriving passengers to withdraw cash quickly?
T2, T3, and T4 are especially convenient because Changi lists clearly located public arrival hall ATM clusters (for example, T2 Arrival Hall South, T3 Arrival Hall Central/North/South, and T4 Arrival Hall Central).

Are there ATMs near the MRT / “Train to City” signs at Changi?
Yes. Changi’s official ATM listings include ATM clusters near Train to City landmarks in T2 and T3, which are convenient if you’re heading toward the MRT after arrival.

Is Jewel Changi a good backup place for ATMs?
Yes. Jewel Changi (especially B1) has multiple ATM and money-service points, making it one of the best backup options if your terminal’s closest ATM is crowded.

What fees should I expect when using a foreign card at SIN ATMs?
Fees depend on your card issuer and ATM network. Changi’s ATMs are mostly bank-operated machines, but your home bank may still charge international withdrawal, out-of-network, or foreign transaction fees.

Should I leave transit to use a landside ATM at Changi?
Usually no. If you are only transiting, use Changi’s airside transit ATMs to avoid immigration entry formalities and unnecessary walking between zones.

Airport Related Services

• BOOK an AIRPORT HOTEL in or SLEEPING PODS
• RENT a CAR in Airport or BOOK a PRIVATE TRANSFER
• STORE your LUGGAGE in Airport or NEARBY
• BUY a LOCAL eSIM for , Singapore or a GLOBAL eSIM

Things to do in :