Xe is the best and cheapest service overall. On €7,000 you will get 10,209.5 SGD after fees and the exchange rate.
We’ve compared 11 money transfer companies in more detail below.
| 11 of 11 providers Last updated on 28 September 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/SGD transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €32.82 1 EUR = 1.4544 SGD +0.03% vs mid-market | Recipient gets $10,133.14 Within minutes | |
Ways to receive money in Singapore with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €32.821 EUR = 1.4544 SGD $10,133.14You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 1.4585 SGD -0.25% vs mid-market | Recipient gets $10,209.50 Minutes - 24 hours | |
Ways to receive money in Singapore with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.4585 SGD $10,209.50You pay€7,000.00 | |||
Run a live search Showing top Germany to Singapore deals for 7,000 EUR. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live EUR to SGD rates. | |||
Run a live search These companies offer multi-currency accounts for spending SGD. We suggest doing a live search based on how much EUR you're planning to spend in Singapore. | |||
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 1.4585 SGD -0.25% vs mid-market | Recipient gets $10,209.50 Minutes - 24 hours | |
Ways to receive money in Singapore with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.4585 SGD $10,209.50You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 1.4585 SGD -0.25% vs mid-market | Recipient gets $10,209.50 Minutes - 24 hours | |
Ways to receive money in Singapore with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.4585 SGD $10,209.50You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 1.4585 SGD -0.25% vs mid-market | Recipient gets $10,209.50 Minutes - 24 hours | |
Ways to receive money in Singapore with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.4585 SGD $10,209.50You pay€7,000.00 | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 1.4512 SGD +0.25% vs mid-market | Recipient gets $10,158.65 Minutes - 3 days | |
Ways to receive money in Singapore with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 1.4512 SGD $10,158.65You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 1.4509 SGD +0.27% vs mid-market | Recipient gets $10,156.61 Minutes - 24 hours | |
Ways to receive money in Singapore with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.4509 SGD $10,156.61You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 1.4505 SGD +0.30% vs mid-market | Recipient gets $10,153.56 Minutes - 24 hours | |
Ways to receive money in Singapore with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.4505 SGD $10,153.56You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 1.4476 SGD +0.50% vs mid-market | Recipient gets $10,133.19 Minutes - 24 hours | |
Ways to receive money in Singapore with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.4476 SGD $10,133.19You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €32.82 1 EUR = 1.4544 SGD +0.03% vs mid-market | Recipient gets $10,133.14 Within minutes | |
Ways to receive money in Singapore with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €32.821 EUR = 1.4544 SGD $10,133.14You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 1.4473 SGD +0.52% vs mid-market | Recipient gets $10,131.10 Minutes - 24 hours | |
Ways to receive money in Singapore with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.4473 SGD $10,131.10You pay€7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee €9.99 1 EUR = 1.4473 SGD +0.52% vs mid-market | Recipient gets $10,131.10 Minutes - 24 hours | |
Ways to receive money in Singapore with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €9.991 EUR = 1.4473 SGD $10,131.10You pay€7,009.99 PayNowMinutes - 24 hoursAvailable via:PayNow €9.991 EUR = 1.4270 SGD $9,989.00You pay€7,009.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €9.991 EUR = 1.4270 SGD $9,989.00You pay€7,009.99 Cash pickupMinutes - 24 hours €9.991 EUR = 1.3121 SGD $9,184.70You pay€7,009.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee €9.99 1 EUR = 1.4473 SGD +0.52% vs mid-market | Recipient gets $10,131.10 Minutes - 24 hours | |
Ways to receive money in Singapore with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €9.991 EUR = 1.4473 SGD $10,131.10You pay€7,009.99 PayNowMinutes - 24 hoursAvailable via:PayNow €9.991 EUR = 1.4270 SGD $9,989.00You pay€7,009.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €9.991 EUR = 1.4270 SGD $9,989.00You pay€7,009.99 Cash pickupMinutes - 24 hours €9.991 EUR = 1.3121 SGD $9,184.70You pay€7,009.99 | |||
| Wise Pay via iDEAL/WERO | Fee €42.95 1 EUR = 1.4544 SGD +0.03% vs mid-market | Recipient gets $10,118.40 Within minutes | |
Ways to receive money in Singapore with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €42.951 EUR = 1.4544 SGD $10,118.40You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €3.44 1 EUR = 1.4462 SGD +0.60% vs mid-market | Recipient gets $10,118.40 Minutes - 24 hours | |
Ways to receive money in Singapore with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €3.441 EUR = 1.4462 SGD $10,118.40You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €44.00 1 EUR = 1.4533 SGD +0.11% vs mid-market | Recipient gets $10,108.87 Within minutes | |
Ways to receive money in Singapore with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €44.001 EUR = 1.4533 SGD $10,108.87You pay€7,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| Wise Pay via Debit card | Fee €87.86 1 EUR = 1.4544 SGD +0.03% vs mid-market | Recipient gets $10,053.09 Within minutes | |
Ways to receive money in Singapore with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €87.861 EUR = 1.4544 SGD $10,053.09You pay€7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 1.4345 SGD +1.40% vs mid-market | Recipient gets $10,041.53 Minutes - 2 days | |
Ways to receive money in Singapore with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 1.4345 SGD $10,041.53You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €129.93 1 EUR = 1.4544 SGD +0.03% vs mid-market | Recipient gets $9,991.90 Within minutes | |
Ways to receive money in Singapore with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €129.931 EUR = 1.4544 SGD $9,991.90You pay€7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee €9.99 1 EUR = 1.4270 SGD +1.93% vs mid-market | Recipient gets $9,989.00 Minutes - 24 hours | |
Ways to receive money in Singapore with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks €9.991 EUR = 1.4270 SGD $9,989.00You pay€7,009.99 PayNowMinutes - 24 hoursAvailable via:PayNow €9.991 EUR = 1.4270 SGD $9,989.00You pay€7,009.99 Cash pickupMinutes - 24 hours €9.991 EUR = 1.3121 SGD $9,184.70You pay€7,009.99 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €191.00 1 EUR = 1.4533 SGD +0.11% vs mid-market | Recipient gets $9,895.24 Within minutes | |
Ways to receive money in Singapore with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €191.001 EUR = 1.4533 SGD $9,895.24You pay€7,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| How Our Results Work Mid-market rate: 1 EUR = 1.4549 SGD Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Xe.
On a 7,000 EUR transfer, Xe delivers the most SGD.
This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/SGD rate.
You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.
First time round you'll need a photo ID and proof of your German address.
Video identification is also normal and takes a few minutes.
There are 11 companies for sending money from Germany to Singapore, across broker, online, app, multi-currency account, global account, and in person, and more below.
Fastest and easiest way
Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.
Sending €7,000 with Xe to Singapore gets you 10,209.5 SGD with a €0 fee and -0.25% markup.
Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.
For paying in cash at a counter
There's no legal limit on how much you can send, so the counter in the kiosk, the callshop or the grocery store is still a popular way to send money internationally.
Deposit €7,000 to MoneyGram online, and choose cash pickup as delivery option. Once you pay, it should be available in minutes.
In general, online transfers are cheaper than sending cash to Singapore.
For large transfers from Germany
For buying property, moving to Singapore, or moving pensions, a currency broker is the best option.
A broker like Xe charges no fee and works on a margin. It adds -0.25% on EUR/SGD which gets negotiated the more you send.
And you get an account manager to help you through the process.
For some international payments above €50,000, German residents may need to file an AWV report with the Bundesbank, make sure to check in advance.
For making business payments
Global accounts are for businesses making payments to Singapore.
Be it overseas suppliers and contractors, receiving SGD payments, or holding SGD and EUR in one business account.
Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.
For spending & receiving
A multi-currency account lets you hold EUR and SGD in one account.
You get SGD bank details, and can receive international payments like rent, dividends, family payments without additional conversions.
You can convert SGD to EUR or EUR to SGD whenever you need.
The best multi currency account is Wise, it adds ~0.03% markup and charges small fees.
With Xe, paying by debit card and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 10,209.5 SGD.
You can pay for the transfer using bank transfer, debit card, credit card, and ideal.
Using German bank
A SEPA bank transfer is usually the cheapest way to deposit EUR.
An instant SEPA payment can reduce funding time, but it does not guarantee instant delivery to Singapore.
The recipient in Singapore can receive SGD by bank deposit, card deposit, paynow, and cash pickup.
To receive SGD by bank deposit
Enter the recipient's banking details and account holders name.
Check both before sending because correcting a bank deposit will delay the transfer.
They can receive cash in Singapore
For cash pickup, the recipient needs to visit the nearest MoneyGram branch and bring a valid photo ID and the transfer reference number.
You pay €7,000.00
$10,210
Cheapest
You pay €7,000.00
$10,210
$0
You pay €7,000.00
$10,210
$0
You pay €7,009.99
$10,131
-$78
You pay €7,009.99
$10,131
-$78
You pay €7,000.00
$10,118
-$91
You pay €7,009.99
$9,989
-$221
You pay €7,009.99
$9,989
-$221
You pay €7,009.99
$9,989
-$221
You pay €7,009.99
$9,185
-$1,025
You pay €7,009.99
$9,185
-$1,025
You pay €7,009.99
$9,185
-$1,025
The main question in Germany is whether you are sending euros inside SEPA or converting them. Large cross-border payments can also create a Bundesbank reporting duty.
For a €7,000 transfer to Singapore, these are the best options:
Cheapest way to send money to Singapore
The cheapest option is Xe, funded by debit card with bank deposit for the payout. Your recipient gets 10,209.5 SGD, which is 0.5% more than the next best option.
Fastest way to send money to Singapore
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 10,108.87 SGD in innerhalb von minuten.
Germany's AWV reporting threshold is €50,000.
A German resident may need to report a payment above that amount to the Bundesbank when it is made to a non-resident.
It is a statistics report, not a tax or permission request.
Transfers between your own domestic and foreign accounts are exempt, and other exemptions apply depending on the payment purpose.
The automated AWV notice shown by a bank does not mean every transfer is reportable.
The Bundesbank guidance for private individuals explains who reports, what is exempt and how to file.
If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.
A payment converted into SGD sits outside that pricing rule and may involve another bank or payout partner.
Check whether the quote uses SHA, OUR or BEN charges on a bank transfer.
This decides whether intermediary costs are shared, paid by you or deducted from what the recipient receives.
The EUR/SGD rate can move noticeably within a week, changing the amount your recipient gets in SGD.
Mid-market rate:1 EUR = 1.453004 SGD
Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.
We then track 11 of them on EUR to Singapore, comparing rates, fees and the pay-in and payout options.
More on who we are, why you can trust us and how to get started.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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