Planning to exchange SGD to EUR? Here’s everything you need to know about getting the best rate for your Europe trip! 🇪🇺
Whether you’re heading to Europe for the culture, the food, or just a change of scenery, knowing the current SGD to EUR rate, where the euro’s heading, and how to exchange without bleeding money to hidden fees can save you a fair bit on your trip budget.
As of 30 September 2026, the SGD to EUR rate is 1 SGD = 0.6902 EUR. The Sing dollar has strengthened about 4.52% against the euro over the past year, and it’s now trading near the top of its 2026 range. In plain terms: your dollar stretches further in Europe than it did a year ago, so this is a genuinely good window to convert, especially if you skip the fees.
This guide covers the live SGD to EUR rate, a quick conversion table, the 2026 forecast, what counts as a good rate, and why YouTrip is one of the easiest ways to pay in euros with 0% FX fees.
🔄 Lock in the best euro (EUR) rate with YouTrip before you fly: no queues, no hidden fees.
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⚡️ TLDR: SGD To EUR At A Glance
| Highlights | Details |
|---|---|
| SGD to EUR rate today | 1 SGD = 0.6902 EUR (30 Sept 2026) |
| 1-year change | +4.52% over the past year |
| 5-year change | +8.63% over five years |
| 1Y high / low | High: ~0.690 (Sep 2026, today) / Low: ~0.657 (early 2026) |
| What is a good rate? | Anything above 0.67 is solid; above 0.69 is great |
| S$100 in euros | ~69.02 EUR at today’s rate |
| Best way to pay in Europe | YouTrip multi-currency card: wholesale rates, zero FX fees |
| Always avoid | Airport counters, hotel exchange, and bank FX markups |
📓 Table Of Contents
- Current SGD to EUR Exchange Rate
- How Much Is S$100 In Euros?
- SGD to EUR Chart & Historical Trend
- SGD to EUR Forecast 2026
- Is The SGD Strong Against The Euro?
- What Is A Good SGD to EUR Rate?
- Is It A Good Time To Buy Euros Now?
- Best Multi-Currency Cards For Spending In Europe
- How To Use YouTrip For The Best Euro Rates
- Pro Tips For Maximum Savings
- FAQs
- More Currency Guides
Current SGD To EUR Exchange Rate
As of 30 September 2026, the live SGD to EUR rate is:
- 1 SGD = 0.6902 EUR
- S$100 = ~69.02 EUR
- S$1,000 = ~690.20 EUR
Over the past year, the Sing dollar has firmed up against the euro, so SGD to EUR is up about 4.52%. That’s a real reversal from where things stood back in May. After bottoming out in early 2026, the rate has climbed steadily through the year and now sits at the top of its 12-month range.
That “0.6902” figure is the mid-market rate, the actual midpoint between global buy and sell prices, with no bank or card markup baked in. It’s the same number you’d see on Google or XE, and it’s the benchmark every rate in this guide is measured against.
💡 But the rate means nothing if you hand it all back in FX fees 👀 That’s where YouTrip comes in, with 0% FX fees and wholesale exchange rates.
💡 Pro tip for Singaporean travellers: Lock in your euros with YouTrip to skip bank markups and save on every EUR you spend.
How Much Is S$100 In Euros?
| SGD Amount | EUR You Get |
|---|---|
| S$50 | ~34.51 EUR |
| S$100 | ~69.02 EUR |
| S$200 | ~138.04 EUR |
| S$500 | ~345.10 EUR |
| S$1,000 | ~690.20 EUR |
| S$2,000 | ~1,380.40 EUR |
Based on the mid-market rate of ~0.6902 EUR = S$1 (30 Sept 2026).
SGD To EUR Chart & Historical Trend
Zoom out, and the long-term picture is consistent with the short-term one. The Sing dollar is up 8.63% over five years and 34.35% over the long run against the euro. The euro had a strong few months in late 2024 and early 2025, but the SGD has clawed that back and then some through 2026.
| Time Frame | High | Low | Change |
|---|---|---|---|
| 1 Year (Sep 2025–Sep 2026) | ~0.690 (Sep 2026, today) | ~0.657 (early 2026) | +4.52% |
| 5 Years | ~0.716 (early 2025) | ~0.62 (2021) | +8.63% |
| All-Time (MAX) | ~0.724 (2022) | ~0.48 (2008–09) | +34.35% |
Here’s the year-by-year view:
| Year | Average Rate | High | Low | Trend |
|---|---|---|---|---|
| 2021 | 0.6293 | 0.6532 | 0.6147 | Strengthening |
| 2022 | 0.6896 | 0.7242 | 0.6484 | Strong growth |
| 2023 | 0.6883 | 0.7066 | 0.6728 | Stable |
| 2024 | 0.6916 | 0.7128 | 0.6805 | Peak period |
| 2025 | ~0.6800 | 0.7162 (Feb) | 0.6578 (Sep) | Easing |
| 2026 (to Sep) | ~0.6790 | 0.6902 (Sep) | 0.6664 (Jan) | Strengthening |
The takeaway: the euro’s strong patch in early 2025 is well behind us. The SGD spent the first half of 2026 recovering, and it’s now pushed through last May’s level to sit at the top of the year’s range.
SGD To EUR Forecast 2026
Nobody can call currency moves with certainty, so treat these as broad ranges, not promises. Based on where the pair has traded through 2026:
| Period | Likely Range | What to watch |
|---|---|---|
| Q3 2026 (now) | ~0.68–0.70 | Already trading near the top of this range; could ease if the euro firms |
| Q4 2026 (Oct–Dec) | ~0.67–0.71 | Depends largely on ECB rate moves and eurozone growth |
Bottom line: the SGD to EUR rate looks set to trade broadly in the 0.67–0.71 range for the rest of 2026, already well above the levels seen earlier in the year. At ~0.6902 today, you’re near the top of that band, so if you’ve got a Europe trip coming up, there’s a solid case to convert now via YouTrip rather than wait and hope for more.
💡 Pro tip: Set a rate alert in the YouTrip app or on XE for when SGD to EUR crosses 0.70. You’ll get a nudge when it’s an exceptional time to convert.
Is The SGD Strong Against The Euro?
Yes, right now it is. The Sing dollar is up about 4.52% against the euro over the past year, climbing steadily through 2026 to sit near the top of its 12-month range.
Much of that comes down to the eurozone side of the pair. The ECB downgraded its 2026 growth forecast to 0.8% even as it raised rates to fight inflation, a stagflation-adjacent squeeze that’s kept the euro under pressure.
Singapore’s economy, by contrast, grew a stronger-than-expected 5.7% year-on-year in Q2 2026, giving MAS room to keep tightening the SGD’s appreciation path.
It’s not quite back at the 2024–25 highs, but it’s a clear step up from where it stood in January or even May. The bigger lever still isn’t timing the rate perfectly; it’s not losing 2–3% of your money to FX fees once you’re spending over there.
What Is A Good SGD To EUR Rate?
| Rate (1 SGD = X EUR) | Rating | What it means |
|---|---|---|
| 0.70 and above | 🟢 Excellent | Near the 2024–25 highs, a strong time to convert |
| 0.68–0.70 | 🟡 Very Good | Above average, a favourable window |
| 0.67–0.68 | 🟢 Good | Around average conditions for 2026 |
| 0.66–0.67 | 🟠 Fair | Below today’s rate, typical conditions |
| Below 0.66 | 🔴 Weak | Near recent lows, wait if you can or use YouTrip for 0-fee access |
At 0.6902 today, you’re firmly in Very Good territory and not far off the 0.70 “Excellent” mark.
💡 Tip: Don’t try to nail the perfect rate, it’s nearly impossible. Convert when you’re in the “Good” to “Very Good” range, especially once your travel dates are locked in.
Is It A Good Time To Buy Euros Now?
If you’ve got a Europe trip confirmed, yes, this is a strong time to convert. You’re near the top of 2026’s range, and the rate has climbed steadily for months.
If your trip is further out, you could split your conversion: change part now to lock in today’s rate, and the rest if it climbs toward 0.70. Either way, the smart move is to convert through a zero-fee card so you keep what you save.
Best Multi-Currency Cards For Spending In Europe
Here’s how the popular cards stack up for Singaporean travellers spending in euros:
| Card | Lock-in Rate | Fees | SGD to EUR Rate | SGD for 100 EUR |
|---|---|---|---|---|
| YouTrip 👑 | ✅ Yes | No fees | 0.6904 EUR | ~S$144.84 |
| Revolut | ✅ Yes | 1% FX fee on weekends | 0.6903 EUR | ~S$144.86 |
| Wise | ✅ Yes | From 0.19% currency conversion fee | 0.6890 EUR | ~S$145.14 |
| DBS Credit Card | ❌ No | Up to 3.25% FX fee | 0.6842 EUR | ~S$146.16 |
Rates as of 30 Sept 2026. Total SGD amount excludes fees.
YouTrip gives you the wholesale euro rate with zero FX fees, so you keep more of your money on every transaction. Revolut slaps a 1% fee on weekend spending, exactly when you’re out exploring. Wise shaves a little off the rate, and a standard bank credit card costs you the most, adding 2–3% (or more) on every euro you spend.
YouTrip vs A Bank Card: What 1,000 EUR Actually Costs
Here’s the side-by-side on paying for 1,000 EUR of spending in Europe:
| Method | SGD to EUR Rate | Fees | SGD Cost for 1,000 EUR |
|---|---|---|---|
| YouTrip 👑 | Mid-market (~0.6904) | S$0 | ~S$1,448.44 |
| Typical bank / credit card | Mid-market − 2–3.25% | 2–3.25% markup | ~S$1,478–1,497 |
⚠️ Indicative figures based on the mid-market rate as of 30 Sept 2026. YouTrip gives you the mid-market rate with no FX fee, while a typical bank or overseas credit card adds a 2–3.25% markup. You’d pay roughly S$30–49 more for the same 1,000 EUR.
💡 Over a full trip with hotels, meals, and shopping, a zero-fee card can save you a meaningful chunk versus a standard bank card.
How To Use YouTrip For The Best Euro Rates
- Top up your SGD balance in the YouTrip app.
- Select Euro and convert at the wholesale rate.
- Watch the live SGD to EUR rate and lock it in when it’s strong.
- Spend anywhere in Europe that takes Mastercard, with no foreign transaction fees.
Pro Tips For Maximum Savings
- Set rate alerts: Get a notification when the EUR rate hits your target (say, 0.70+).
- Convert in tranches: No need to do it all at once. Lock in part now, part later if the rate improves.
- Skip airport and hotel exchange: YouTrip rates beat airport money changers almost every time.
- Use ATMs smartly: Your first S$400 of overseas ATM withdrawals each calendar month is free with YouTrip (2% after that, resets on the 1st), handy for cash emergencies in cash-light corners of Europe.
- Avoid DCC at the till: If a card machine offers to charge you in SGD instead of EUR, always pick EUR. Paying in the local currency means you get YouTrip’s wholesale rate, not the shop’s marked-up one.
FAQs
As of 30 September 2026, 1 SGD = 0.6902 EUR (mid-market). The rate moves daily, so always check the live rate in the YouTrip app or on XE before you convert.
At 0.6902, S$100 ≈ 69.02 EUR. S$1,000 gets you about 690.20 EUR.
Yes. The Sing dollar is up about 4.52% against the euro over the past year and has climbed through 2026 to sit near the top of its 12-month range. At 0.6902 it’s in the “Very Good” band, just shy of the 0.70 “Excellent” mark.
Most projections put SGD to EUR broadly in the 0.67–0.71 range for the rest of 2026, with ECB rate decisions and eurozone growth the main things to watch. Forecasts are estimates, not guarantees, so don’t bank on them.
After peaking around 0.716 in early 2025, the SGD eased through the year and bottomed near 0.658 in September 2025. It dipped again to 0.6664 in January 2026, then climbed steadily through the year to 0.6902 by September.
Anything above 0.67 is solid; above 0.69 is great. At 0.6902 today, you’re in a very good window.
Use a multi-currency card like YouTrip that gives you wholesale exchange rates with zero markups and no foreign transaction fees. That can save you 2–3% versus a typical bank or credit card.
Avoid airport exchange counters, hotel exchange desks, and credit cards that charge a 2–3.25% foreign transaction fee. These all carry poor rates or high fees.
As a rough daily guide: budget travellers 50–80 EUR, mid-range 100–150 EUR, luxury 200+ EUR. For a 10-day trip, that’s roughly 500–800 EUR (budget) to 1,000–1,500 EUR (mid-range).
Most of Europe is card-friendly, especially big cities. Keep 50–100 EUR cash for small cafés, markets, tipping, rural areas, and emergencies, and tap your YouTrip card for everything else.
Yes. It works anywhere Mastercard is accepted, including shops, restaurants, transport, and hotels. You also get up to S$400 in free overseas ATM withdrawals each month, with a 2% fee after that.
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And That’s Your Euros Sorted
Get the rate right, skip the fees, and the only thing left to plan is the gelato order. 🍦
💜 Not a YouTrooper yet? YouTrip lets you lock in multiple currencies and spend in 150+ countries with zero fees and no hidden charges. Sign up for your complimentary YouTrip card today with YTBLOG5 and get FREE S$5 in your account!
Then head to our YouTrip Perks page for exclusive offers and promotions. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more!
Bon voyage! 🇪🇺
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