Best companies for SGD/EUR transfers
4 of 4 providers Last updated on 28 October 2026
Based on 10,000 SGD transfer Best companies for SGD/EUR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee $20.58 1 SGD = 0.7011 EUR +0.01% vs mid-market	Recipient gets €6,996.37 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in San Marino with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $20.581 SGD = 0.7011 EUR €6,996.37You pay$10,000.00
Promoted Xe Pay via Bank transfer	Fee $0.00 1 SGD = 0.6939 EUR +1.04% vs mid-market	Recipient gets €6,939.10 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in San Marino with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 0.6939 EUR €6,939.10You pay$10,000.00
Run a live search Showing top Singapore to San Marino deals for 10,000 SGD. 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 SGD to EUR rates.
Run a live search These companies offer multi-currency accounts for spending EUR. We suggest doing a live search based on how much SGD you're planning to spend in San Marino.
Run a live search These are managed services with real human support for large SGD transfers. Click the link and update the transfer amount to get the best deal.
Wise Pay via Bank transfer	Fee $20.58 1 SGD = 0.7011 EUR +0.01% vs mid-market	Recipient gets €6,996.37 Within minutes
25 reviews CheapestRecommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in San Marino with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $20.581 SGD = 0.7011 EUR €6,996.37You pay$10,000.00

Wise Pay via PayNow	Fee $20.58 1 SGD = 0.7011 EUR +0.01% vs mid-market	Recipient gets €6,996.37 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in San Marino with Wise when paying by paynow. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $20.581 SGD = 0.7011 EUR €6,996.37You pay$10,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 SGD = 0.6993 EUR +0.27% vs mid-market	Recipient gets €6,992.56 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in San Marino with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 0.6993 EUR €6,992.56You pay$10,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee $50.55 1 SGD = 0.7011 EUR +0.01% vs mid-market	Recipient gets €6,975.47 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in San Marino with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $50.551 SGD = 0.7011 EUR €6,975.47You pay$10,000.00
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.
Xe Pay via Bank transfer	Fee $0.00 1 SGD = 0.6939 EUR +1.04% vs mid-market	Recipient gets €6,939.10 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in San Marino with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 0.6939 EUR €6,939.10You pay$10,000.00
Wise Pay via Debit card	Fee $477.69 1 SGD = 0.7011 EUR +0.01% vs mid-market	Recipient gets €6,675.90 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in San Marino with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $477.691 SGD = 0.7011 EUR €6,675.90You pay$10,000.00
How Our Results Work Mid-market rate: 1 SGD = 0.7011 EUR Updates every 60 minutes.

Why compare

SGD/EUR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Singapore to San Marino

Pick a company

I suggest starting with Wise which is the cheapest option for sending S$10,000.

Wise was the cheapest on 27 of the 30 days it quoted S$10,000 transfers to San Marino.

Fund your transfer

There are 3 methods to fund the transfer from Singapore, including bank transfer, paynow, and debit card.

Where possible, use PayNow to fund your account, it is usually free and takes seconds.

Verify and send

Before you can send money to San Marino, you'll need to verify your account using Singpass, or a passport and pass if you're not a resident.

Compare amounts

How much SGD are you sending to San Marino?

How much SGD you send to San Marino heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Wise was the cheapest in 70% of the transfers from S$5,000 it quoted, and in 47% of all the transfers it quoted.


$1,000	0.01%	$0.55	€700.79with bank transfer to bank deposit	+€22.44
$5,000	-0.01%	$0.55	€3,506.45with bank transfer to bank deposit	+€115.20
$10,000This page	0.01%	$20.58	€6,996.37with bank transfer to bank deposit	+€67.07

Mid-market rate: 1 SGD = 0.7011 EUR

SGD/EUR Exchange Rate History

Is today a good time to send money from Singapore to San Marino?

The cheapest way to send SGD to EUR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Wise), across 30 days of comparisons for 10,000 SGD transfers to San Marino.

Each line shows what the recipient gets when you send $10,000, after fees, as quoted by each company. The mid-market line shows what $10,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more EUR per SGD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of EUR on every transfer from Singapore.

Right now, Wise pays 6,996.37 EUR on 10,000 SGD, which is 15.12 EUR less than the mid-market amount.

Today's payout is the highest in the past month.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to San Marino.

We've tracked 76 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.

WiseAppeared in 76 comparisons
Cheapest in 47% of them
Regency FXAppeared in 27 comparisons
Cheapest in 11% of them
RevolutAppeared in 73 comparisons
Cheapest in 29% of them

Based on 76 comparisons across 3 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Wise is the cheapest and gets you the most EUR, but it was the cheapest in only 47% of the 76 comparisons it appeared in over the past month.

If it's a one-off transfer, go with Wise, since it's the cheapest right now.

Ways to send money from Singapore to San Marino

There are 5 ways to send money to San Marino across 4 money transfer companies.

Cheapest way to send money

Online transfers

Sending EUR from Singapore with a specialist like Wise is quick, easy, and cheap.

You sign up online or through the app, verify account details, enter the amount, fund your transfer, and click send.

Wise charges S$20.58 to send S$10,000, delivering 6,996.37 EUR after a 0.01% markup.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Large transfers from Singapore

Currency brokers

Brokers are the best for large SGD transfers to San Marino.

A currency broker can quote a lower margin on large SGD to EUR transfers and help with the paperwork and the entire process.

For example, Regency FX charges an exchange-rate markup of around 0.27% and no fees.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from S$5,000 it quoted.

Large transfers may be held briefly for Singapore’s anti-scam checks, so if your transfer is time sensitive, start the process a bit earlier.

Regular spending abroad

Multi-currency accounts

A multi-currency account like Wise lets you convert SGD to EUR before travelling or paying your own bills overseas.

And you can hold both currencies in one account.

Wise will get you 6,996.37 EUR after fees when converting 10,000 SGD.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund SGD and receive EUR in San Marino

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending S$10,000 gives your recipient 6,996.37 EUR.

Pay in SGD through bank transfer, paynow, and debit card.

Funding the transfer with PayNow

This is the quickest and simplest way to pay for your transfer to San Marino from Singapore.

Scan the company's PayNow QR code or use its registered identifier.

In San Marino, they can receive EUR using bank deposit.

1

Bank transfer Bank deposit

You pay S$10,000.00

€6,996

Cheapest
2

Paynow Bank deposit

You pay S$10,000.00

€6,996

€0
3

Debit card Bank deposit

You pay S$10,000.00

€6,676

-€320

Things to know before sending SGD to San Marino

Consider these things before sending money from Singapore to San Marino.

Compare SGD/EUR transfers

For a S$10,000 transfer to San Marino, these are the best options to start with:

Cheapest: Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 6,996.37 EUR, which is 0.05% more than the next best option.
Fastest: Revolut, funded through bank transfer with bank deposit for the payout. Your recipient gets 6,975.47 EUR in within minutes.

SDIC protection

Eligible SGD deposits at participating banks are insured by SDIC up to S$100,000 per depositor and bank.

A balance with a non-bank transfer company is not a bank deposit and does not receive the same cover, even when the company is MAS-licensed.

When unsure, check the legal company in the MAS Financial Institutions Directory before paying.

How we analyse the market

Every company here holds a MAS licence, which you can check yourself on the MAS register.

We track 4 of them on SGD to San Marino, refreshed in real time on live searches, and compare on the amount that arrives rather than the headline fee.

In the past 30 days alone, we analysed 76 comparisons across 3 amounts.

This page covers the cheapest and fastest options for SGD/EUR transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Each goes through our review. 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.

Send money from Singapore

Send money to San Marino

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Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6889	–	€6,888.85
Wise Cheapest	0.6889	$20.58	€6,874.66	−€14.19
Regency FX	0.6870	$0.00	€6,870.25	−€18.60
Revolut	0.6889	$65.00	€6,844.31	−€44.54

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6904	–	€6,903.84
Wise Cheapest	0.6904	$20.58	€6,890.26	−€13.58
Regency FX	0.6885	$0.00	€6,885.20	−€18.64
Revolut	0.6904	$65.00	€6,859.10	−€44.74

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6910	–	€6,909.66
Wise Cheapest	0.6909	$20.58	€6,894.96	−€14.70
Regency FX	0.6891	$0.00	€6,891.00	−€18.66
Revolut	0.6908	$65.00	€6,863.27	−€46.39

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6945	–	€6,944.56
Wise Cheapest	0.6945	$20.58	€6,930.84	−€13.72
Regency FX	0.6926	$0.00	€6,925.81	−€18.75
Revolut	0.6946	$65.00	€6,900.56	−€44.00

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6945	–	€6,945.17
Wise Cheapest	0.6946	$20.58	€6,932.13	−€13.04
Regency FX	0.6926	$0.00	€6,926.42	−€18.75
Revolut	0.6947	$165.00	€6,832.35	−€112.82

Sun, 4 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6946	–	€6,946.25
Wise Cheapest	0.6946	$20.58	€6,932.13	−€14.12
Regency FX	0.6927	$0.00	€6,927.50	−€18.75
Revolut	0.6946	$165.00	€6,831.67	−€114.58

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6971	–	€6,970.67
Wise Cheapest	0.6971	$20.58	€6,956.43	−€14.24
Regency FX	0.6952	$0.00	€6,951.85	−€18.82
Revolut	0.6970	$65.00	€6,924.56	−€46.11

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6962	–	€6,962.44
Wise Cheapest	0.6962	$20.58	€6,947.61	−€14.83
Regency FX	0.6944	$0.00	€6,943.64	−€18.80
Revolut	0.6963	$65.00	€6,917.44	−€45.00

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6975	–	€6,975.06
Wise Cheapest	0.6974	$20.58	€6,960.12	−€14.94
Regency FX	0.6956	$0.00	€6,956.23	−€18.83
Revolut	0.6973	$65.00	€6,927.39	−€47.67

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6973	–	€6,972.80
Wise Cheapest	0.6972	$20.58	€6,957.71	−€15.09
Regency FX	0.6954	$0.00	€6,953.97	−€18.83
Revolut	0.6972	$65.00	€6,926.91	−€45.89

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6959	–	€6,959.40
Wise Cheapest	0.6960	$20.58	€6,945.71	−€13.69
Regency FX	0.6941	$0.00	€6,940.61	−€18.79
Revolut	0.6959	$65.00	€6,914.16	−€45.24

Sat, 10 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6976	–	€6,975.94
Regency FX Cheapest	0.6957	$0.00	€6,957.10	−€18.84
Wise	0.6970	$20.58	€6,956.08	−€19.86
Revolut	0.6972	$165.00	€6,856.81	−€119.13

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6975	–	€6,974.82
Wise Cheapest	0.6975	$20.58	€6,960.67	−€14.15
Regency FX	0.6956	$0.00	€6,955.99	−€18.83
Revolut	0.6975	$65.00	€6,929.20	−€45.62

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6987	–	€6,986.97
Wise Cheapest	0.6987	$20.58	€6,972.92	−€14.05
Regency FX	0.6968	$0.00	€6,968.11	−€18.86
Revolut	0.6987	$65.00	€6,941.74	−€45.23

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6988	–	€6,987.93
Wise Cheapest	0.6987	$20.58	€6,972.93	−€15.00
Regency FX	0.6969	$0.00	€6,969.06	−€18.87
Revolut	0.6987	$65.00	€6,941.28	−€46.65

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6955	–	€6,954.71
Wise Cheapest	0.6955	$20.58	€6,940.44	−€14.27
Regency FX	0.6936	$0.00	€6,935.93	−€18.78
Revolut	0.6954	$65.00	€6,908.45	−€46.26

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6950	–	€6,949.58
Wise Cheapest	0.6949	$20.58	€6,934.90	−€14.68
Regency FX	0.6931	$0.00	€6,930.82	−€18.76
Revolut	0.6949	$65.00	€6,903.98	−€45.60

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6941	–	€6,940.97
Wise Cheapest	0.6953	$20.58	€6,939.14	−€1.83
Regency FX	0.6922	$0.00	€6,922.23	−€18.74
Revolut	0.6956	$165.00	€6,841.70	−€99.27

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6968	–	€6,968.02
Wise Cheapest	0.6968	$20.58	€6,953.76	−€14.26
Regency FX	0.6949	$0.00	€6,949.21	−€18.81
Revolut	0.6967	$65.00	€6,922.06	−€45.96

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6966	–	€6,965.72
Wise Cheapest	0.6966	$20.58	€6,951.38	−€14.34
Regency FX	0.6947	$0.00	€6,946.91	−€18.81
Revolut No quote collected this day	–	–	–	–

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6973	–	€6,973.23
Wise Cheapest	0.6973	$20.58	€6,958.55	−€14.68
Regency FX	0.6954	$0.00	€6,954.40	−€18.83
Revolut	0.6974	$65.00	€6,928.27	−€44.96

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6989	–	€6,989.41
Wise Cheapest	0.6989	$20.58	€6,974.20	−€15.21
Regency FX	0.6971	$0.00	€6,970.54	−€18.87
Revolut	0.6990	$65.00	€6,944.54	−€44.87

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6991	–	€6,990.90
Regency FX Cheapest	0.6972	$0.00	€6,972.02	−€18.88
Wise	0.6983	$20.58	€6,968.17	−€22.73
Revolut	0.6986	$165.00	€6,870.83	−€120.07

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.6994	–	€6,994.23
Wise Cheapest	0.6994	$20.58	€6,979.47	−€14.76
Regency FX	0.6975	$0.00	€6,975.35	−€18.88
Revolut	0.6993	$65.00	€6,947.93	−€46.30

Wed, 28 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.7011	–	€7,011.49
Wise Cheapest	0.7011	$20.58	€6,996.37	−€15.12
Regency FX	0.6993	$0.00	€6,992.56	−€18.93
Revolut	0.7011	$50.55	€6,975.47	−€36.02

How to send money to San Marino from Singapore with the best SGD-EUR rate

Best companies for SGD/EUR transfers