Planning a trip to Europe? Securing the best SGD to EUR rate can help you save big on your adventures! 🇪🇺

In this guide, we’ll explore where to find the best Singapore Dollar (SGD) to Euro (EUR) exchange rates in Singapore, the most cost-effective ways to pay in Europe, and answer various other essential payment-related questions. Read on so you can spend smarter and enjoy a hassle-free Europe trip!

1. What is the SGD to EUR exchange rate today?

As of March 2025, the SGD to EUR exchange rate stands at approximately 1 SGD = 0.6912 EUR. Over the past six months, the rate has fluctuated but has generally trended downwards, with a sharp decline in recent weeks. This suggests that the Euro has been strengthening against the Singapore Dollar, making travel to Europe slightly more expensive for Singaporean travellers.

If you’re planning a trip to Europe, it would be wise to keep an eye on the SGD to EUR exchange rates and exchange your currency when the rate improves!

💡Tip: Use YouTrip’s in-app money changer to convert your SGD to EUR in advance and avoid unfavourable fluctuations during your trip! Lock in the best rates with 0% markups on the YouTrip app.

2. Where to check live SGD to EUR exchange rates?

There are many sites for you to check live SGD to EUR rates quickly and easily. Here are some sites where you can monitor real-time exchange rates:

• Google & XE.com: These currency converter sites are good for general reference, but do not reflect the exact rates banks or money changers offer.
• Bank websites (DBS, UOB, OCBC): Bank websites show daily rates clearly, but often include markups.
• Multi-currency apps (YouTrip, Wise, Revolut): These platforms typically showcase real-time rates and display fees transparently.
• Money changer aggregators (CashChanger, Get4x): Sites like these are good for comparing money changer rates in Singapore before heading down.

3. Where can I get the best SGD to EUR exchange rate in Singapore?

Surprise! The best rates aren’t at money changers or banks. To get the best SGD to EUR rate, consider using a multi-currency card like YouTrip!

Here’s why you should use a YouTrip card:

• Competitive rates: Enjoy competitive wholesale exchange rates with no inflated markups when you pay with your YouTrip card! 💳 Fun fact: Banks typically mark up mid-market rates and sneak in extra fees, leaving you with less to spend. With YouTrip, you get direct wholesale rates with zero extra charges – that basically means more Euros for every Singapore Dollar! 🚀

• No hidden fees: Unlike typical credit cards, YouTrip doesn’t charge users additional conversion or transaction fees. While these fees may seem insignificant (fun fact: credit cards charge an average of 2 – 3% fees per overseas transaction), they can really add up with every payment you make 📈

• Ultimate convenience: Skip the queues at money changers! Just pay with your YouTrip card for the best rates – you can also use it to withdraw cash at ATMs worldwide 💵

• Safety & security: YouTrip is fully licensed and regulated by the Monetary Authority of Singapore (MAS). ☑️ Carry less cash and enjoy enhanced security features with your YouTrip card. 

4. How to pay in Europe?

Paying in Europe is easy and convenient! Here are the most common payment methods:

• 💳 Debit and credit cards: Cards by issuers like Mastercard and Visa are widely accepted accross Europe, while American Express and other cards may have limited acceptance in some places. Contactless payments are popular, so you can simply tap to pay at most shops, restaurants, and transport services.
• Prepaid cards: Prepaid travel cards like YouTrip are accepted wherever card payments are accepted, and can help you avoid high foreign transaction fees 🤓
• 📱 Mobile wallets: Apple Pay, Google Pay, and Samsung Pay are commonly accepted, allowing you to make secure and quick payments with your smartphone or smartwatch.
• 💶 Cash: While card payments dominate, some small businesses, local markets, and rural areas may still prefer cash. It’s advisable to carry a small amount of Euro or local currency for emergencies.

5. Do I need cash in Europe?

Europe is largely cashless-friendly, making it easy to get by with just cards and mobile payments. Here are some tips:

• ✅ Carry some cash for small purchases, rural areas, tips, and transportation
• ✅ Big cities like Paris and Amsterdam are highly cashless
• ✅ Some countries like Germany, Austria, and Italy still prefer cash in many places, especially in smaller towns and outside major cities

6. Can I use my Singaporean debit or credit card in Europe?

Yes! Most Singapore-issued debit and credit cards work in Europe, especially if they’re issued by Mastercard or Visa.

Here are some tips for using cards in Europe:

• Mastercard & Visa are widely accepted – You’ll likely face no issues paying with your Mastercard or Visa card. You can use it to withdraw cash at ATMs too!
• AMEX isn’t accepted everywhere – AMEX cards are generally accepted in big retailers and hotels, but not at smaller businesses.
• Watch out for DCC (Dynamic Currency Conversion) – Always choose to be charged in EUR instead of SGD to avoid bad exchange rates!
• Public transport is card-friendly too – You can tap and ride public transport with your debit or credit card in major cities like London, Paris, Amsterdam, and more. Check the official transport website for the city you’re visiting to be 100% sure.
• Check for foreign transaction fees – Some banks and credit cards charge fees (typically 2 – 3%) for overseas payments. Opt for a fee-free travel card like YouTrip instead!

7. What are the best travel cards to use in Europe?

The best card depends on your spending habits, but in general for overseas spending, opt for a card with competitive exchange rates and low, transparent fees!

8. Can YouTrip be used in Europe?

YouTrip is a prepaid Mastercard, and can be used seamlessly in Europe with no foreign transaction fees. Just use it as per your usual debit or credit card for contactless payments, online bookings, and ATM withdrawals.

💡 Tip: Top up your YouTrip wallet before your trip and make use of the app’s in-app money changer to lock in rates whenever they’re favourable. 📱

9. Can I withdraw cash in Europe?

Yes, you can withdraw cash in Europe, but be mindful of potential fees! Here are some tips for withdrawing cash in Europe:

• ✅ Use major bank ATMs to avoid high surcharges
• ✅ Avoid third-party ATMs and machines in tourist areas or convenience stores that tend to offer poor exchange rates
• ✅ Check your bank’s overseas withdrawal fees beforehand
• ✅ Withdraw cash with a multi-currency card like YouTrip for better rates and to skip hefty bank fees
• ✅ Rely on cards for payments and only withdraw small amounts of cash when needed

💡 Pro tip: Enjoy free* ATM withdrawals of up to S$400 in foreign currency per calendar month with your YouTrip card! 🆓 A 2% fee will be imposed thereafter.

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Ready for your trip to Europe?

We hope this guide helps you prepare for your trip to Europe! By understanding the SGD to EUR exchange rate, knowing where to get the best Euro rates, and choosing the right payment methods, you’re set for a smooth and hassle-free experience. Have an amazing time exploring Europe!

📱 Download the YouTrip app and sign up with code <YTBLOG5> to get FREE S$5 in your account upon registration! 💜

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More articles you may enjoy:

• How to send money to Europe from Singapore
• Ultimate guide to VAT refunds in Europe
• Budget-friendly family holidays in Europe

More currency exchange guides! 🤑

• How to get the best SGD to MYR rates 🇲🇾
• How to get the best SGD to KRW rates 🇰🇷
• How to get the best SGD to CNY rates 🇨🇳
• How to get the best SGD to THB rates 🇹🇭
• How to get the best SGD to USD rates 🇺🇸
• How to get the best SGD to JPY rates 🇯🇵
• How to get the best SGD to AUD rates 🇦🇺
• How to get the best SGD to NZD rates 🇳🇿
• How to get the best SGD to GBP rates 🇬🇧

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