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We used visa or Singapore dollars for most stuff.
If you go to Harry's Bar make sure you check the prices before you order. We ended up buying G&T's that were unbelievably expensive.
I just used credit card to pay. for a dollar or so fee or whatever my bank charges for an international transaction, it's not worth the hassle of getting cash out.
I was there last weekend returning from the UK they accept all currencies, but give you change in Singapore $$, and i said hello to "Harry"
I wouldnt bother with the pool. Its not heated and is very cold. It is also dirty- I saw band aids floating around in it and I got an ear infection shortly after. I regret wasting my time and money on the pool and wished I had gone to one of the lounges which had a hot tub and had a shower there.
The hotel is brilliant if you're with kids. I probably wouldn't bother if I was travelling by myself (if I had a long layover I'd drag myself out of the airport instead), but I've done it a few times with the kids on a 10-16 hour layover, and it's great to be able to keep them cooped up somewhere - and yes, a shower or bath really does make a huge difference!