Great question.
Public transit you can just swipe your credit card if it has a trip. Tap in/ tap out system. If you are transferring, it calculates the transfer for you. You will pay about $.75 to $2.25 depending on length of trip. In SGD.
Stalls are mostly cash or Asian based pay apps. No Venmo or PayPal. I used PayLah, but unsure if you can link PayLah to non-SG banks. Worth it downloading and checking if you have time. Scan a QR code and pay style. Super easy.
Or get some cash. The SGD is worth about .75 USD, so it s a good exchange. Prices listed include tax unless otherwise noted. Restaurants will often list a piece with "plus plus" meaning 9% tax and 10% gratuity will be added.
Most stalls sell for for whole dollar or half dollar amounts. There is no equivalent to a penny and the 5 cent piece is going out of style. So, for instance, coffee will cost $1 or $1.10 or $1.20 depending on if it is sotong, O or C.
For reference
You can get cash at Changi but you will get a better exchange in the CBD. There is a place called the Arcade in Raffles Place. There are 20 plus money changers (misty on the 2nd floor). Where you can shop for rates. Bring crisp bills as they won't take anything torn, written on or two crumpled up.
Over all, misty places accept cashless payment. Credit cards and apps. Stalls rarely accept credit cards and some still are cash only. But almost everywhere else will take credit cards
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