EUR to SGD today, and SGD to EUR

Few people get the mid-market rate: most banks, cards, apps and money changers give you a little less on each dollar and keep the difference. On S$1,000 changed today the gap runs from about €4.32 with Wise to €37.20 with PayPal. Every way, side by side

Your amount, every way to change

Put in how much you are changing, either way. Euro prices can be typed the way Europe writes them: 1.500,50 or 89,90. At a money changer, add the rate on its board to see what it costs you against the mid-market rate, Wise and DBS.

Change

S$ to € € to S$

Amount

S$

How much you are changing. In euros you can type a price as Europe writes it: 1.500,50 or 89,90.

Rate on a money changer’s board (optional)

As the board shows it: S$ for €1 (e.g. 1.4450), or euros for S$1 (e.g. 0.6920). We read which it is.

Start from an example

A week in EuropeS$2,000 to eurosA family tripS$8,000 to eurosA price tag€100 in S$Euros left over€300 in S$A term’s feesS$20,000 to euros

S$100.00 in euros

€69.97 at the mid-market rate

S$100.00 in euros, each way to change, most first

Way	You get	Against mid-market
Mid-market rateThe mid-market rate: MAS’s rate at noon, 2 Nov, with no margin. The yardstick for the rest.	€69.97	–
Card with no FX fee, in EuropeYouTrip (its own mid-market rate) or Trust (Visa’s rate), no fee from either. About this much: we work it out at the mid-market rate.	About €69.97	No fee, at its own rate
Revolut (Standard plan), weekdayAt Revolut’s rate, free up to S$5,000 a month, then 1%; 1% more at weekends. About this much: we work it out at the mid-market rate.	About €69.97	No fee, at its own rate
WiseFee S$0.82, at Wise’s rate of €0.6972 for S$1. Worked out from Wise’s own quotes at S$100 to S$5,000.	€69.15	−€0.82 (−1.17%)
DBS’s posted rateDBS’s telegraphic transfer rate for selling you euros, S$1.4472 for €1, 5:45 pm, 2 Nov. DBS says logging in shows the actual rate for your transaction, and larger amounts may get better rates.	€69.10	−€0.87 (−1.24%)
Singapore bank card, in EuropePaying in euros: up to 3.25% on top of Visa’s or Mastercard’s rate (DBS and POSB’s fees). About this much: we work it out at the mid-market rate.	About €67.77	−€2.20 (−3.14%)

Each S$0.01 on the price of €1 is €0.49 on this amount. At a money changer, type the rate on its board into the box above to see how it compares.

Rates and fees as each provider publishes them; rows marked “about” use the mid-market rate in place of the provider’s own rate, which we don’t read. Not a quote: the provider’s own screen at the time you change is what counts. How we work it out

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S$1,000 in euros today, each way

Wise’s and DBS’s rates and fees read today; the other providers as Wise’s public price comparison collected them for sending S$1,000 to a bank account in Europe, at the times shown (a price collected earlier may have changed since; Wise is one of the providers compared). “About” rows apply the published fee to the mid-market rate, because the provider’s own rate isn’t published in a form we read. Wise’s and DBS’s rates are today’s and the mid-market rate is MAS’s rate at noon, 2 Nov, so a provider can come out a little above it when the euro has moved since. A money changer sets its own rate: type it into the converter to see where it falls. No one pays us to list any of these, and there are no affiliate links.

Every common amount

S$ to euros at the amounts people take on a trip or send, each way, worked out the same way as the converter.

Euros you get for each amount

Tap an amount to load it into the converter. Wise’s fee is a fixed part plus a share, so it costs a little more on small amounts; DBS’s posted rate and a bank card’s 3.25% are the same share at every amount.

Euro prices in S$

What a price in euros costs you in Singapore dollars today, at the mid-market rate and on a Singapore bank card.

At S$1.4292 for €1 (MAS’s rate at noon, 2 Nov). “On a bank card” adds DBS and POSB’s fee of up to 3.25% to the mid-market rate; Visa’s and Mastercard’s own rates differ a little from it. Tap a price to load it into the converter.

Which countries use the euro?

“Currently, the euro (€) is the official currency of 21 out of 27 EU countries which together constitute the eurozone, officially called the euro area.” (European Union, Countries using the euro). The rest of Europe that Singaporeans travel through uses other money: Switzerland, the Czech Republic, Hungary, Poland, Denmark, Sweden, Norway and the UK among them. Tap the countries on your route.

Every country in the list, its money and S$1 in it

European countries, the currency each uses, what S$1 buys in it and whether it is in the Schengen area

Country	Currency	S$1 buys	Schengen and the EES
Austria	Euro	€0.6997	Yes
Belgium	Euro	€0.6997	Yes
Bulgaria	Euro	€0.6997	Yes
Croatia	Euro	€0.6997	Yes
Cyprus	Euro	€0.6997	No
Czechia	Czech koruna (CZK)	CZK 17.05	Yes
Denmark	Danish krone (DKK)	DKK 5.2328	Yes
Estonia	Euro	€0.6997	Yes
Finland	Euro	€0.6997	Yes
France	Euro	€0.6997	Yes
Germany	Euro	€0.6997	Yes
Greece	Euro	€0.6997	Yes
Hungary	Hungarian forint (HUF)	HUF 256.50	Yes
Iceland	Icelandic krona (ISK)	ISK 95.22	Yes
Ireland	Euro	€0.6997	No
Italy	Euro	€0.6997	Yes
Latvia	Euro	€0.6997	Yes
Liechtenstein	Swiss franc (CHF)	CHF 0.6437	Yes
Lithuania	Euro	€0.6997	Yes
Luxembourg	Euro	€0.6997	Yes
Malta	Euro	€0.6997	Yes
Netherlands	Euro	€0.6997	Yes
Norway	Norwegian krone (NOK)	NOK 7.2203	Yes
Poland	Polish zloty (PLN)	PLN 3.0835	Yes
Portugal	Euro	€0.6997	Yes
Romania	Romanian leu (RON)	RON 3.7423	Yes
Slovakia	Euro	€0.6997	Yes
Slovenia	Euro	€0.6997	Yes
Spain	Euro	€0.6997	Yes
Sweden	Swedish krona (SEK)	SEK 7.6866	Yes
Switzerland	Swiss franc (CHF)	CHF 0.6437	Yes
United Kingdom	Pound sterling (GBP)	GBP 0.5838	No

The euro countries from the EU’s list; Schengen from the European Commission (29 countries; in the EU, Cyprus and Ireland are not in it). Euro: MAS’s rate at noon, 2 Nov. Other currencies: the ECB’s reference rates for each against the euro and the S$, 30 Oct, worked out by Numbers.sg (units for S$1 = units per euro ÷ S$ per euro). Liechtenstein uses the Swiss franc. Rules read 2 Nov 2026.

Going to Europe: 90 days, the EES, ETIAS and paying

• 90 days in any 180. Singapore passport holders don’t need a visa for a short visit. The European Commission: “They can enter Schengen area countries as many times as they want, but only stay for a total of 90 days, every 180 days.” (European Commission, Migration and Home Affairs). The 90 days count across all 29 Schengen countries together, not per country.
• The Entry/Exit System (EES). “The Entry/Exit System (EES) is an automated IT system for registering non-EU nationals travelling for a short stay, each time they cross the external borders of any of the following European countries using the system.” The EU says it will gradually replace passport stamps, “using fingerprint and face data”. “‘Short stay’ means up to 90 days within any 180-day period. This period is calculated as a single period for all the European countries using the EES.” “In Cyprus and Ireland, despite being countries of the European Union, passports will still be stamped manually.” (EU, Travel to Europe: What is the EES?).
• ETIAS: not yet. “ETIAS is the new travel authorisation for visa-exempt travellers to enter 30 European countries.” Singapore is on its list of countries whose travellers will need one. But for now: “ETIAS is currently not in operation and no applications for travel authorisations are collected at this point.” “The European Union will inform about the specific date for the start of ETIAS several months prior to its launch.” When it starts, the fee is €20, about S$28.58 at today’s rate (EU, Travel to Europe: ETIAS). Don’t pay a site that says it can get you one today.
• Pay in euros, not S$. A shop, restaurant or ATM in Europe may offer to charge your Singapore card in S$. That is Dynamic Currency Conversion: “The exchange rate is set by the merchant or its DCC provider”, in DBS and POSB’s words, and DBS and POSB still add 1% on a credit card and 2.8% on a debit card (DBS and POSB). Choosing euros leaves the rate to your card.

Each quoted word for word from the page linked, read 2 Nov 2026, and re-checked on our update schedule. This page doesn’t give visa or immigration advice: check the rules for your own trip before you go.

Is today’s EUR to SGD rate good?

It depends which way you are changing: a cheap euro is good for a trip to Europe and bad for changing euros into S$. Here is today’s rate against every working day of the past year, five years and ten years.

Buying euros (a trip to Europe, fees or rent there): at S$1.4292 for €1 (MAS’s rate at noon, 2 Nov), the euro cost more than today on 99% of days in the past year, 81% of days in the past five years and 90% in the past ten.

Changing euros into S$: it runs the other way. Your euros buy fewer S$ today than on 99% of days in the past year and 81% in the past five.

We don’t forecast exchange rates, and no one can say where this one goes next. What the past shows: over the past year €1 cost between S$1.4256 and S$1.5169, a gap of €422.20 on S$10,000. All at once or in parts shows what each would have done on past trips; the rate alert can tell you when S$1 buys the most euros in a year. S$ for €1 each working day, MAS’s noon rates (the ECB’s before 2003).

Change it all at once, or in parts?

If your trip is months away, you can change it all now, all near the date, or a part each month. No one knows which will turn out best for your trip, but the record shows what each did on every trip since 1999, on S$10,000.

Over 3 months, changing in parts came out ahead of changing it all at the start on 53% of the 332 trips; its worst trip got €4,608 against €4,550 for all at once. Over 6 months, changing in parts came out ahead of changing it all at the start on 54% of the 329 trips; its worst trip got €4,642 against €4,550 for all at once. Over 12 months, changing in parts came out ahead of changing it all at the start on 53% of the 323 trips; its worst trip got €4,719 against €4,550 for all at once. On average the three come out within a few euros of each other; what parts change is how far a bad month can hurt.

Worked out by Numbers.sg from the rate on the first working day of each month (MAS’s noon rate, the ECB’s before 2003), for a trip in every month from the first the record allows to this one. Before any provider’s margin, which is the same each way. Past rates don’t say what the next months will bring.

SGD to EUR and back: euros to Singapore dollars

For euro pay, a refund, or euros left over from a trip. The converter above works this way too: choose “€ to S$”.

Sending €1,000 from Europe to Singapore

For euro pay, a refund or savings in a European account: what arrives in a Singapore account, by provider.

From Wise’s public price comparison: Wise’s own quote, and the other providers’ prices as Wise collected them, at the times shown; a price collected earlier may have changed since. Wise is one of the providers compared. Listed by what arrives, most first.

Leftover euros after a trip

• Selling euros back. A money changer or bank buys euros at its own buying rate, which gives you fewer S$ than the mid-market rate. DBS’s posted rate for buying euros today is S$1.4213 for €1, against S$1.4292 mid-market: €300 comes to S$426.38 instead of S$428.76. Put a changer’s “we buy” rate into the converter (choose “€ to S$”) to compare.
• Keeping them for the next trip. Euros kept as notes earn nothing, and their worth in S$ moves with the rate: the chart shows how far that has gone, both ways.

Euros to S$ and back: quick tables

At the mid-market rate of S$1.4292 for €1 (MAS’s rate at noon, 2 Nov). What you get from a bank, card or money changer is a little less: the converter shows how much.

EUR to SGD since 1999

Singapore dollars for €1, every working day since the euro started on 4 January 1999. The chart opens on the past year.

MAS, noon, each working day ECB reference rate (before 2003)

1 year5 years10 yearsSince 1999

Tap or hover on the chart to read a value.

S$1.42S$1.44S$1.46S$1.48S$1.50S$1.52S$1.54

Jan 2026AprJulOct

Year by year

Singapore dollars for €1: the average, cheapest and dearest for each year, from every working day. A plus means the euro cost more than the year before.

The other 18 years, back to 1999

Year	Average	Cheapest	Dearest	On the year before
2016	1.5282	1.4875	1.5774	+0.1%
2015	1.5262	1.4409	1.6218	-9.3%
2014	1.6832	1.6043	1.7616	+1.3%
2013	1.6621	1.5871	1.7452	+3.4%
2012	1.6066	1.5196	1.6904	-8.2%
2011	1.7494	1.6725	1.8290	-3.2%
2010	1.8071	1.6892	2.0158	-10.8%
2009	2.0250	1.9228	2.0942	-2.6%
2008	2.0781	1.8684	2.1963	+0.7%
2007	2.0642	1.9812	2.1596	+3.4%
2006	1.9955	1.9260	2.0559	-3.6%
2005	2.0710	1.9735	2.2068	-1.4%
2004	2.1006	1.9948	2.2293	+6.6%
2003	1.9712	1.8110	2.1388	+16.6%
2002	1.6912	1.5746	1.8199	+5.4%
2001	1.6039	1.5320	1.6631	+0.7%
2000	1.5923	1.4486	1.7291	-11.9%
1999	1.8064	1.6718	1.9815	–

MAS, Exchange Rates (S$ per euro, as of noon), each working day from 2 January 2003; before that, the ECB euro reference rate for the S$, from 4 January 1999 (MAS’s euro rates before 2003 are weekly). Every day: download the CSV.

The euro against the S$ over the years

Since 4 January 1999, the euro cost the most, S$2.2293, on 30 December 2004, and the least, S$1.3831, on 28 September 2022. Today it costs S$1.4292.

What it means for a trip. Ten years ago, on 2 November 2016, €1 cost S$1.5383. A €150 hotel night cost S$230.75 then and S$214.38 today, at the mid-market rate and before any change in the hotel’s own price. The other way, euro savings of €10,000 were worth S$15,383 then and S$14,292 today.

Worked out by Numbers.sg from the daily rates above (MAS’s, and the ECB’s before 2003). The record starts on 4 January 1999, the euro’s first trading day. Past moves don’t say where the rate goes next.

The EUR to SGD rate on any date

For an expense claim, an invoice or a receipt from a trip: the rate for any working day since January 1999.

Date

Any day from 4 January 1999. At a weekend or holiday we show the working day before.

Friday 31 October 2025

S$1.5037 for €1

S$1 was €0.6650. €1,000 was S$1,503.70; S$1,000 was €665.03.

MAS’s rate as of noon (the ECB’s before January 2003) for the day. For every day in one file, download the CSV. An expense claim or tax return may ask for a particular rate (a bank’s, or an official one): check which.

What DBS charges, both ways

On S$1,000, DBS’s rate gives €691.00, €8.69 fewer than at the mid-market rate. Changing S$1,000 into euros and straight back at DBS’s two rates would leave you with S$982.08: the gap between them is what a round trip costs.

From the data behind DBS’s foreign exchange rates page, with DBS’s own time on it. DBS: “Log in now to retrieve actual rates for your transaction. Higher transaction amounts may qualify for even greater discounts.” The mid-market rate and DBS’s are set at different times, so part of the gap can be the market moving in between.

At a money changer

Each money changer sets its own euro rates and changes them through the day, so this page doesn’t list them. What you can do at the counter, at The Arcade by Raffles Place, Mustafa Centre or anywhere else: read the board, put its rate into the converter, and see in euros what it costs against the mid-market rate, Wise and DBS.

• Which number to read. Changing S$ for euros, the changer sells you euros: read its selling rate for EUR. Changing euros back, read its buying rate.
• How it’s written. Most boards in Singapore show S$ for €1 (a number like 1.4450); some show euros for S$1 (like 0.6920). The converter takes either.
• Compare on the same amount. A rate a little better on paper can come with a minimum amount or apply to large notes only: ask before you change.
• Licensed or not. Money-changers in Singapore are licensed by MAS under the Payment Services Act 2019. Check a changer’s name in MAS’s Financial Institutions Directory.

Why the rate moves

MAS steers the Singapore dollar against a basket of currencies, not against the euro alone. “MAS manages the Singapore dollar against a basket of currencies along a typically appreciating path or crawl within a policy band.” (MAS). In its October 2026 statement, MAS kept the rate of appreciation, width and centre of the S$NEER policy band unchanged (MAS, 14 October 2026).

The euro has its own central bank. The European Central Bank sets interest rates for all 21 euro countries at once. Whatever moves the euro against the US dollar and the rest of the world moves EUR to SGD with it, so the rate can move when nothing has changed in Singapore. The ECB’s decisions are on its website.

Common mistakes

• “The rate on Google is what I’ll get.” A currency converter on a search page shows a market rate, much like the mid-market rate at the top of this page. Banks, apps and money changers don’t give that rate to customers; the table at the top shows what each way gives on S$1,000 today.
• “Euros work everywhere in Europe.” Switzerland, the UK, the Czech Republic, Hungary, Poland, Denmark, Sweden and Norway have their own money. Check your route.
• “Pay in S$ to be safe.” When a shop, restaurant or ATM in Europe offers to charge your card in S$, the rate is set by the shop’s provider, not your bank, and your bank may still charge its fee. Pay in euros.
• “I need ETIAS for my trip.” Not yet: the EU says ETIAS is not in operation and it will announce the start date months ahead. Its words.
• “EUR to SGD going up is good.” A higher number means each euro costs more S$: bad for a trip to Europe, good for changing euros into S$. Is today’s rate good? shows both.

From the providers’ own pages, the European Union, the European Commission and the ECB, linked in each section; the figures are this page’s, worked out from them.

More on this topic

Currency

• SGD to MYR today, and MYR to SGD
• USD to SGD today, and SGD to USD
• SGD to INR today, and INR to SGD
• SGD to JPY today, and JPY to SGD
• SGD to CNY today, and CNY to SGD
• SGD to IDR today, and IDR to SGD

Questions people ask

How we get these rates

• The main rate is MAS’s own figure for S$ per euro, which MAS gives “as of noon” each working day (MAS, Exchange Rates). When MAS’s site can’t be read, as during its maintenance, the main rate is the European Central Bank’s own euro reference rate for the S$ (ECB): “The reference rates are usually updated at around 16:00 CET every working day, except on TARGET closing days.” The page says which one it is showing. Both are read every hour from 9:15 am to 6:15 pm; at weekends and on holidays the rate stays at the last working day’s.
• Before 2003: MAS’s euro rates for 1999 to 2002 are weekly, so the days from 4 January 1999 to the end of 2002 are the ECB’s daily rates. Labelled as such in the chart and the CSV.
• Check: MAS’s and the ECB’s rates for the same day must agree within 1%, or the job flags it for a person to look at. The ECB says of its own: “The reference rates are published for information purposes only. Using the rates for transaction purposes is strongly discouraged.” We use it as a yardstick, as here, not as a price.
• DBS: its posted telegraphic transfer rates for euros, both ways, from the data behind DBS’s foreign exchange rates page, with DBS’s own effective time. DBS: “Log in now to retrieve actual rates for your transaction. Higher transaction amounts may qualify for even greater discounts.”
• Wise: Wise’s public price comparison (wise.com), read every hour from 9:15 am to 6:15 pm, every day, at S$100, 500, 1,000 and 5,000 and, the other way, €100, €500, €1,000 and €5,000. Wise’s fee there is a fixed part plus a share of the amount; we fit both to Wise’s four quotes to work out the fee on any amount. Other providers’ prices are as Wise collected them, with Wise’s times, for S$1,000 and €1,000 only.
• Cards: DBS and POSB’s published fees (3.25%, DBS and POSB); YouTrip’s (YouTrip) and Trust’s (Trust) own pages; Revolut Singapore, Personal Fees (Standard), version 0.8.1. Card rows use the mid-market rate in place of Visa’s or Mastercard’s own rate, which we don’t read, so they say “about”.
• Europe’s other currencies in the route checker: the ECB’s latest reference rate for each and for the S$, read once a day.
• Rules quoted (the EU on the euro area, the European Commission on Schengen, the EU’s EES and ETIAS pages) are word for word from each one’s own page, read 2 Nov 2026, and re-read on our update schedule.
• A new rate is refused if it is outside €0.30 to €1.20 for S$1, or if the main rate moves more than 4% from our last read within four days; the page then keeps the last good read and says when it was.
• Numbers.sg is not connected to any bank, card, app or money changer named here; no one pays us, and this page has no affiliate links. It is not advice on when or how to change money. The converter runs in your browser; nothing you type is sent anywhere. See our disclaimer, how we get our numbers and corrections.

Changes to this page

1. 2 Nov 2026

   New: EUR to SGD and SGD to EUR. Today’s euro rate, both ways; what S$1,000 comes to in euros by card, app or transfer against the mid-market rate; a converter that reads euro prices the way Europe writes them (1.500,50 or 89,90) and a money changer’s board rate either way round; which countries on your route use the euro, and what S$1 buys in the ones that don’t; the EU’s rules for a short visit (90 days in any 180, the Entry/Exit System, and ETIAS, which is not yet running) in the EU’s own words; whether today’s rate is good against the past year, five and ten years; what changing all at once or in monthly parts did on every trip since 1999; DBS’s rates both ways; and every working day since January 1999, with a rate-on-a-date lookup and a CSV. See today’s rate