If you confirm your motherboard model it'll be easier, but as the post above explains, the lowest common denominator determines the speeds.
The X540-T2 is PCIe 2.x, so each lane is 5gbit (a bit less practically) and it support x8 lanes - so from a lane point of view, it could push up to 40gbit/s - which sort of makes sense, the card is dual 10gbit so it needs to support at least 20gbit etc.
Now look at the motherboard, even if the last slot is PCIe 3.0 or 4.0, it'll still only run at PCIe 2.0 since the card spec is the lowest at 2. So if you're running at PCIe 2.0 (5gbit per lane), you then look at how many lanes that slot has - which is typically x1 or x4 (I see x1 more for that last slot on average consumer boards), so the max speed of the card would be 5gbit x 1 = 5gbit. If it was x4 you'd be able to get ~20gbit from the card etc (transmission speeds - actual practical data transfer speed is a bit less).
So for your situation, to get near 10gbit (your SG 10gbit ISP connection only really gets to around 8gbit anyway), you need a solution where the lowest common spec amongst the card and motherboard is either PCIe 2.0 with 4 lanes, or PCIe 3.0 with at least 1 lane (~8gbit per lane - not strictly 10gbit, but as close as you'd practically see anyway) . So depending on your motherboard, if its PCIe 3.0 x1, the X540 will still only run at ~5gbit. If its PCIe 3.0 x4, the X540 could achieve 10gbit+.
So if your motherboard does end up to be PCIe 3.0 x1, the only way you're getting near 10gbit out of that slot is to find a PCIe 3.0 NIC, which will get you around 8gbit (bit less, but so are most ISPs etc..)