The real EUR/SGD rate
The interbank (mid-market) rate as the basis; the ibani margin, from 0.40% to 0.15% depending on the amount, is shown separately.
EUR → SGD · Real-time rateConvert euros
into Singapore dollars (EUR → SGD)
1 EUR = 1.4208 SGD as of 11 November 2026 (indicative rate for an amount below the equivalent of CHF 10,000, ibani margin included; the rate applied is the one in effect when you place your order).
Exchange your euros (EUR) into Singapore dollars (SGD) at the real interbank rate, in real time. Ideal to fund a project, pay a supplier or send money to Singapore, with a margin from 0.40% to 0.15% and no hidden fees.
EUR → SGDCurrency pair
Real timeMarket rate
0.15%Margin from
Simulate your transfer
No hidden fees1 EUR = 1.4208 SGD Rate as of 11 November 2026
1'420.85
Estimated annual saving
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EUR/SGD conversion at a glance
Convert euros into Singapore dollars, at the fair rate
The essentials to exchange your EUR into SGD with no nasty surprise on the rate or the fees.
A margin from 0.15%
Transparent and sliding, up to 10× cheaper than a bank. No hidden fees.
Personal Swiss IBAN
Fund your account in euros and convert into Singapore dollars, automatically.
A reliable Swiss partner
ibani SA, founded in Geneva in 2018, a financial intermediary affiliated with SO-FIT, a self-regulatory organisation recognised by FINMA.
What you really pay
EUR → SGD: ibani, bank or exchange office?
On an exchange of 5'000 EUR, the margin applied to the rate makes all the difference to the amount received in Singapore.
| Criterion | ibani | Bank | Exchange office |
|---|---|---|---|
| Starting rate | Real interbank | "In-house" rate | "In-house" rate |
| Exchange margin | 0.40% | ~1.5 to 2% | Often > 2% |
| Transfer fees | 0 EUR* | Variable | — |
| Estimated cost on 5'000 EUR* | ~20 EUR | ~90 EUR | > 100 EUR |
| 100% digital tracking | Yes | Partial | No |
*Indicative orders of magnitude for an exchange of 5'000 EUR. Transfers in currencies other than EUR and CHF may be subject to correspondent bank fees. See the details on our Rates page.
Rate trend
EUR / SGD exchange rate live
Follow the pair's trend to choose the right moment for your exchange.
| Indicator | 30 days | 90 days |
|---|---|---|
| High | 1.4398 | 1.4860 |
| Low | 1.4265 | 1.4265 |
| Average | 1.4329 | 1.4541 |
| Change | +0.15% | −2.91% |
European Central Bank reference rates, from 13 August to 10 November (90 days) and from 12 October to 10 November (30 days), 2026. Excluding exchange margin: these figures are not directly comparable with the rate shown at the top of the page, which includes the ibani margin.
Conversion tables
How much is 1 EUR worth in SGD (and vice versa)?
Indicative amounts, ibani margin included, updated continuously.
Indicative rate as of 11 November 2026, ibani margin included; the rate applied is the one in effect when you place your order.
How to convert
Your EUR exchanged into SGD, in 3 steps
Create your ibani account for free
100% digital sign-up in 5 minutes, with no opening or account maintenance fees.
Fund your Swiss IBAN in euros
Transfer your euros to your personal IBAN and provide the beneficiary account in Singapore.
Receive your Singapore dollars at the real rate
ibani converts your EUR into SGD at the market rate, plus a margin of 0.40% to 0.15% depending on the amount, and transfers the funds to Singapore, with no hidden fees.
CHF
USD
GBP
CADMarkets · updated 19 October 2026
EUR/SGD: what has moved in recent months
The ECB raised rates on 10 September, while MAS paused on 14 October after two tightenings of its exchange rate band during the year. On inflation, the gap is clear: 3.8% in the euro area in September, 2.3% in Singapore in August. One euro is worth 1.4357 Singapore dollars at the 19 October reference rate.
EURThe ECB raised rates in September
On 10 September 2026 the European Central Bank raised its three key interest rates by 25 basis points: the deposit facility rate rose to 2.50% and the main refinancing operations rate to 2.65%, effective 16 September. Euro area inflation accelerated to 3.8% in September, after 3.2% in August, according to Eurostat. Yet the euro fell against the dollar: EUR/USD hit its low for the year on 7 October, at 1.1177, and stood at 1.1225 on 19 October. The next decision is on 29 October 2026, then on 17 December.
SGDMAS pauses
Singapore does not steer a policy rate but the appreciation slope of its nominal effective exchange rate (S$NEER). On 14 October 2026 MAS left the slope, width and centre of this band unchanged, after two tightenings in April and July. MAS core inflation rose to 2.2% in August, headline inflation to 2.3%, and MAS forecasts core inflation of 1.5% to 2.0% for the year. The next statement is due no later than 29 January 2027.
EUR → SGD
What it means for you
The SGD is supported by Singapore's exchange rate regime, the euro by ECB decisions, the next of which falls on 29 October. As MAS has no statement scheduled before the end of January, any moves until then are more likely to come from the euro side.
ECB reference rate on 19 October 2026: 1 EUR ≈ 1.4357 SGD (excluding margin). The rate shown at the top of the page includes the ibani margin; the converter shows the live rate.
Sources: ECB, monetary policy decision of 10 September 2026 · Eurostat, euro area September inflation published 16 October 2026 · ECB, euro foreign exchange reference rates · Monetary Authority of Singapore, monetary policy statements of 14 April and 14 October 2026 · MAS and Ministry of Trade and Industry, August 2026 consumer prices.
General market information, compiled from the sources cited; it constitutes neither investment advice nor a forecast.
The economics of the pair
EUR/SGD: the ECB facing the MAS
The rate between the euro (EUR) and the Singapore dollar (SGD) links two economies that are very open to global trade. Its dynamics depend on the relationship between two monetary institutions that operate in radically different ways: the European Central Bank (ECB) and the Monetary Authority of Singapore (MAS).
Singapore's particularity: the MAS does not steer benchmark interest rates, but directly the exchange rate of the Singapore dollar, managed within a fluctuation band against a basket of currencies of its main trading partners (the so-called " S$NEER " regime). This management aims to control imported inflation in a country that imports most of what it consumes. The SGD is thus one of the most stable Asian currencies, often sought as a relatively safe haven in the region.
On the euro side, the rate reacts to ECB decisions on its benchmark rates, to the eurozone economic situation and to risk appetite in the markets. In practice, the EUR/SGD rate rises when the euro strengthens or when the MAS lets the Singapore dollar depreciate, and falls in the opposite case. For a transfer to Singapore (studies, real estate investment, supplier payment, family support), monitoring the real rate lets you choose the right moment.
On the same topic, discover how to repatriate funds to Singapore and prepare a move to Singapore.
Written by Brice Delhome.
Frequently asked questions
Frequently asked questions about EUR/SGD exchange
The EUR/SGD rate reflects the monetary policy gap between the ECB (European Central Bank) and the MAS (Monetary Authority of Singapore). Unlike most central banks, the MAS does not steer interest rates but the trajectory of the Singapore dollar against a basket of currencies. The rate also depends on the strength of Asian trade and on risk appetite in the markets.
You open a free ibani account, you fund your Swiss IBAN in euros, then you convert your EUR into SGD at the real market rate, plus a margin of 0.40% to 0.15% depending on the amount. The funds are then transferred to the beneficiary account in Singapore, with no hidden fees.
There is no universally ideal day. The Singapore dollar is a relatively stable currency, managed within a band by the MAS, but the EUR/SGD rate fluctuates according to ECB decisions and the economic climate in Asia. Monitor the interbank rate continuously and trigger your exchange at the moment that suits you.
ibani applies a transparent margin from 0.40% to 0.15% on the real interbank rate, decreasing with amounts. There are no opening or account maintenance fees. It's up to 10× cheaper than a traditional bank. Transfers in currencies other than EUR and CHF may be subject to correspondent bank fees.
Exchange your euros
into Singapore dollars at the fair rate.
Get a personal Swiss IBAN, convert your EUR into SGD at the real rate (+ margin from 0.15%) and send to Singapore with no hidden fees. Free account opening, 100% digital, in 5 minutes.✓ Real interbank rate · ✓ Margin from 0.15% · ✓ Affiliated with SO-FIT (SRO)
* Transfers in currencies other than EUR and CHF may be subject to correspondent bank fees.
Swiss financial intermediary subject to the AMLA regulatory framework
Your money is handled with the utmost regulatory rigour.
ibani SA is a FinTech company established since 2018 in the heart of Geneva, Switzerland. We are a financial intermediary audited for our activity, with thousands of clients and exchange operations to our name.
ibani SA is affiliated with SO-FIT as a financial intermediary within the meaning of Article 2 para. 3 of the Anti-Money Laundering Act (AMLA). SO-FIT is a self-regulatory organisation recognised by the Swiss Financial Market Supervisory Authority (FINMA).