A friend in SG needs a small loan.

The amount isn't big, just SG$ 200.

I can do a wire transfer, but for the wire transfer, the banks would take sizable commissions.

I sent some money to Philippines a few months back. I sent around $120. My bank took around $25 as commission and the receiver's bank also took $25.

Is there any other way to do the two transactions (money to and back from SG) without losing so much in commissions?