If use most sg bank like UOB, posb, DBS etc.. the rate usually quite chui..Just now first time use PayNow in Malaysia to pay for the beans. Sweet Blossoms do not accept paywave. They accept PayNow and PayLah.
I use the UOB app scan to pay, rate reflected was 3.06. Quite bad, because Youtrip rate was around 3.13 ish
The better SGMYR rate for SG banks are Maybank SG and CIMB SG.