Hi all! What are your thoughts on converting SGD to USD through FSMone vs Transferwise, for a monthly investment of amount 300 SGD for RSP? Which is more cost-efficient based on your experience?

The forex spread for FSMOne is 0.25%. If Transferwise can beat that then maybe you can convert first? But honestly, it is quite a hassle to deposit USD into FSMOne so depositing in SGD and then later convert to USD on FSMOne will be preferred.