EUR to SGD

Euro to Singapore Dollar: what you are looking at

The page you are reading tracks the exchange rate between Euro (EUR) and Singapore Dollar (SGD) and compares it with the prices that banks, money apps and exchanges actually ask. At the latest update on October 31, 2026, one EUR is worth 1.4274 SGD, while one SGD is worth 0.700557 EUR.

The rate shown above is the interbank mid rate. It is the midpoint between the buying and selling prices on the wholesale market. It works as a fair reference point: nobody earns anything on it directly, so consumers almost never receive it in full.

What ends up on the SGD side comes down to two things: a markup hidden in the exchange rate and the visible transfer or service fee. Further down we show how those costs are built up, look at what a conversion costs in practice and list practical steps to lose less on the exchange when you swap Euro for Singapore Dollar.

Tips for converting EUR to SGD

Judge on what arrives, not on what is advertised. A provider with a low fee can still be expensive when the margin is high. The fairest figure to compare is how much SGD arrives for your EUR, and that already includes both the markup and the fee.

If you pay or withdraw cash in a SGD country, you may be asked whether to pay in EUR or in the local currency. That option is known as dynamic currency conversion, or DCC. The rate used is usually poor. Pick the local currency so your bank or card issuer handles the exchange.

Watch the timing as well. Some providers widen their margin at weekends, when currency markets are closed. For transfers that can wait, you can set a target rate and let the provider convert only when it is reached. That avoids guessing, though the target may never be reached.

Also check how you fund the transfer. Card payments often cost more than a bank transfer, and a regular bank transfer to the provider is usually the cheapest way in. Combining several small payments into one larger transfer also cuts the impact of fixed fees.

Larger transfers: what to check first

Only use providers that are regulated. A regulated provider is registered with a supervisor such as the FCA or your national central bank. Regulation includes rules on keeping your money apart from the company’s own, which protects you if something goes wrong.

Check names and account details twice. An international payment is hard to reverse once it is sent. Watch out for pressure, urgency or a last-minute change of account details. Call to confirm, using contact details you already had.

Big sums usually trigger extra verification. You may need to show proof of the source of funds, such as a payslip, sale agreement or bank statement. Some services offer better rates or a personal contact for larger transfers. A rate lock, where offered, removes uncertainty while the money is on its way.

Where Euro and Singapore Dollar are used

Euro is the money you pay with in Germany, France, Netherlands, Spain, Italy. Singapore Dollar is what people pay with in Singapore. Knowing this helps for anyone who earns in one of these currencies and spends in the other.

The reasons for changing EUR into SGD vary: moving abroad, studying, doing business or sending a gift. Each situation asks for something different: a single big transfer calls for the best rate, whereas regular small amounts suffer more from flat charges.

Payout methods vary from country to country. Account formats differ: IBAN in one place, account and routing numbers in another, and in some places mobile wallets or cash collection are widely used. Ask the recipient for the exact details in advance.

What 1,000.00 EUR gets you in SGD

Let’s use a conversion of 1,000.00 EUR. At the mid-market rate of 1.4274, that sum sets the ceiling for what any provider could deliver in SGD. No service pays out that exact figure, because margins and fees come off first.

Looking at all 9 providers we track, Wise delivered the most, with 1,420.44 SGD in the end. The difference between that figure and the mid-market amount is the real price of the transfer.

Keep in mind that rankings shift with the amount you send. Fixed fees weigh heavily on small sums, while a percentage margin grows along with the amount. Run your own figure through the converter for a ranking that fits your situation.

One year of EUR to SGD

Over the past twelve months, the price of EUR in SGD has changed by -5.09%. Within those twelve months the rate peaked at 1.5174 SGD per EUR, while the bottom of the range was 1.4266. The current 1.4274 sits somewhere inside that range.

That range between high and low puts the movement into real terms. For a bigger amount, the moment of conversion matters in actual money, occasionally more than the difference between providers.

Rates are pushed around by news, economic data and supply and demand on the market. The statistics here are historical, not a forecast. If you are waiting for a particular level, use an alert or limit order rather than a hunch.

How providers price EUR to SGD

Most providers stay away from the mid-market rate as such. Instead they quote a slightly worse rate and earn on the difference. That gap is called the spread. If the margin is 2%, then about 2 out of every 100 EUR never reach the recipient.

Besides the hidden margin, a lot of services ask for a separate fee. This is usually a flat charge per payment, a percentage of the amount or a mix of both. On classic bank transfers abroad other banks along the route may take their own cut, so the recipient gets less than you expected.

Be wary of offers that say "no fees" or "0% commission". The cost often sits in the rate instead. What really counts is how much SGD the recipient ends up with for exactly the same sum, and the comparison table on this page is ranked on exactly that.

Bank transfer or money transfer service for SGD?

Your regular bank usually sends the money through SWIFT. Along the way one or more intermediary banks may handle it, each of which can deduct a charge. Expect anything from one to a few working days, and the final deduction is often only visible afterwards.

Many money transfer apps use a different model. They have local accounts on both sides, which means your payment and the payout both happen domestically. The result tends to be quicker and less expensive, and the amount that arrives is known in advance.

Delivery time depends on several factors: how you pay, the time of day, cut-off times and bank holidays in both countries. A first transfer can take longer because the provider has to verify your identity. Upload your documents early when a deadline is involved.

How our EUR/SGD comparison works

Every calculation begins with the mid-market rate of 1.4274. We then apply each provider’s published fees and exchange rate margin, which gives the amount the recipient receives. In total 9 providers are included, ranked from most to least received.

Rates are refreshed every 30 minutes, and the date on the page shows when the data was last updated. Providers confirm their own price at checkout, since markets keep moving.

We are not owned by any provider. We may earn a commission through some links. The order is never affected by them: providers are sorted purely by how much SGD the recipient gets.