Trudy,
The FX rates on hifx and ozforex are "dealers" or "interbank" rates and they change constantly during trading hours. You can use them to monitor your target rates and then buy on the day(s) you think they are good.
To get the rates for yourself you will need to telephone each and ask for the rates which they will deal for you (at the moment) based on the amount of SGD you want to buy. Compare and decide which one you want to go with - one day hifx may give you a higher rate than ozforex and vice versa. Bearing in mind that rates quoted may only good for a few minutes - as they are live rates.
If you open an account with ozforex (and they have done the 100 point check on you), you can go into their website (with a userid and p/w) and purchase the SGD (they will show you the dealing rate based on the amounts) to be paid into your nominated account (it could be a new account you will open in Singapore). Then you will instruct your bank (HSBC) to pay the A$ equivalent to ozforex. I have done this - not that complicated. Remember, they don't charge you any fee - the rate you see is what you pay. However, your receiving bank (HSBC in Singapore) may (more likely, will) charge you a fee (usually around US$30 - just gauging, and there is usually not much you can do about it!). Yes, this happened to me all the time and it was very annoying.
The FX rates on hifx and ozforex are "dealers" or "interbank" rates and they change constantly during trading hours. You can use them to monitor your target rates and then buy on the day(s) you think they are good.
To get the rates for yourself you will need to telephone each and ask for the rates which they will deal for you (at the moment) based on the amount of SGD you want to buy. Compare and decide which one you want to go with - one day hifx may give you a higher rate than ozforex and vice versa. Bearing in mind that rates quoted may only good for a few minutes - as they are live rates.
If you open an account with ozforex (and they have done the 100 point check on you), you can go into their website (with a userid and p/w) and purchase the SGD (they will show you the dealing rate based on the amounts) to be paid into your nominated account (it could be a new account you will open in Singapore). Then you will instruct your bank (HSBC) to pay the A$ equivalent to ozforex. I have done this - not that complicated. Remember, they don't charge you any fee - the rate you see is what you pay. However, your receiving bank (HSBC in Singapore) may (more likely, will) charge you a fee (usually around US$30 - just gauging, and there is usually not much you can do about it!). Yes, this happened to me all the time and it was very annoying.