Send Money from Singapore to Germany
4 providers send money from Singapore to Germany. None publishes a quote we can check before you send, so this page compares what they do publish: fees, limits and payout methods.
What does your recipient in Germany actually get?
EURAt the mid-market rate · 1,000€695.06
No provider on this corridor publishes a like-for-like quote we can check, so this is the figure to measure their offers against.
1 SGD = 0.6951 EUR
30-day range0.68 – 0.7 EUR
Get a quote from two providers and measure each against the benchmark above. How the margin worksSGD→EUR reference rate for Oct 18, 2026, updated automatically · Rates By Exchange Rate API · 30-day series: European Central Bank
Compare 4 ways to send money to Germany
| Provider | What it costs | Arrives | Payout | Open provider |
|---|---|---|---|---|
 25-plus named German banks including Deutsche Bank and N26 | VariesRate not published — confirm before sending | Express or standard | Payout methods: Bank deposit, Cash pickup | Go to Remitly |
 PayNow funding and Singpass verification for a Singapore-licensed alternative | VariesRate not published — confirm before sending | Varies | Payout methods: Bank deposit, Card payout | Go to Instarem |
 Agent cash pickup across Germany | VariesRate not published — confirm before sending | Varies | Payout methods: Bank deposit, Cash pickup | Go to Western Union |
 The cheapest published route on this page, and the only one that states the amount its cost applies to | SGD 2.70from a Wise account at 1,000 SGDNo rate margin | Varies | Payout methods: Bank deposit | Go to Wise |
25-plus named German banks including Deutsche Bank and N26
- Cost
- VariesRate not published — confirm before sending
- Arrives
- Express or standard
- Payout
- Payout methods: Bank deposit, Cash pickup
PayNow funding and Singpass verification for a Singapore-licensed alternative
- Cost
- VariesRate not published — confirm before sending
- Arrives
- Varies
- Payout
- Payout methods: Bank deposit, Card payout
Agent cash pickup across Germany
- Cost
- VariesRate not published — confirm before sending
- Arrives
- Varies
- Payout
- Payout methods: Bank deposit, Cash pickup
The cheapest published route on this page, and the only one that states the amount its cost applies to
- Cost
- SGD 2.70from a Wise account at 1,000 SGDNo rate margin
- Arrives
- Varies
- Payout
- Payout methods: Bank deposit
What it costs has two parts: the advertised fee, and the exchange-rate margin kept by paying your recipient less than the mid-market rate. The margin is usually the larger, and is never labelled as a fee. Figures are each provider’s published terms, with the fee figures checked against each provider’s own published schedule — open a provider for a live quote.
Too few checked amounts on this corridor to rank by money, so the order is payout coverage, delivery speed and published fees — a provider with a checked figure is not placed above one without. Affiliate arrangements never affect this order.
No labels are awarded on this corridor. With 4 providers the table is the comparison, and calling one of them best of 4 would dress a short list up as a finding.
Where two providers tie, the one supporting more payout types is listed first, then the faster one, then alphabetically. A label is left unawarded whenever the data we hold cannot support it — we would rather show fewer claims than invented ones. No provider on this corridor publishes its exchange rate in advance, so no Best value is named here. Full methodology
What these figures are
- Fees
- As each provider publishes them, September 2026. A provider that does not publish a fee for this corridor shows none rather than a guess.
- Payout methods, delivery speed, promotions
- Read from each provider’s own pages for this corridor and last reviewed September 2026. Where a provider’s own sources disagree, the disagreement is printed rather than resolved.
Independent — providers cannot pay for placement or ranking · Consistent — every checked amount measured on the same corridor at the same send amount, and any fee quoted on a different basis says so on its own row · Transparent — the advertised fee kept separate from the rate margin
How much you send changes which provider is cheapest
A transfer costs two things: a fee you can see, and a cut of the exchange rate you cannot. They scale in opposite directions, so the best provider for S$200 to Germany is often not the best provider for S$5,000.
The flat fee is most of what you pay
On a small transfer a S$5 fee is a real percentage of the money. A rate margin of half a percent on S$200 is one dollar — small enough to ignore. Sort by the fee and take the lowest one you trust.
The exchange rate is most of what you pay
The fee stops mattering and the rate takes over. Half a percent on S$5,000 is S$25 — five times a typical fee, and no provider calls it a charge. A zero-fee offer on a large transfer is the one most worth checking.
SGD to EUR at common amounts
| You send | Mid-market value | Load into calculator |
|---|---|---|
| SGD 100.00 | €69.51 | |
| SGD 250.00 | €173.77 | |
| SGD 500.00 | €347.53 | |
| SGD 1,000 | €695.06 | |
| SGD 2,500 | €1,738 | |
| SGD 5,000 | €3,475 |
Pick a row to load that amount into the calculator at the top of the page. These are mid-market values, not provider quotes — every service pays your recipient somewhat less, so use them as the figure to measure an offer against.
Germany at a glance
- Currency
- EUR · Euro
- Payout methods
- Bank deposit · Cash pickup · Card payout
- Typical delivery
- Varies by provider
- Cash pickup
- Available from 2 of 4 providers
- Cash pickup is available through Remitly and Western Union — no bank account needed.
Before you send to Germany
- This hub's Wise fee for a euro destination does not vary by which eurozone country receives it — Germany, France, and Italy all returned the identical figure, since the underlying conversion is SGD to EUR regardless of destination. On a stated 1,000 SGD: 2.70 from a Wise account, 2.62 by bank transfer, 48.31 by debit card, all held identical across two independent reads.
What it costs to send money to Germany
Sending money from Singapore to Germany converts Singapore dollars (SGD) into euros (EUR). Most of the real cost is not the headline fee — it is the exchange-rate margin, the gap between your quoted rate and the mid-market rate banks use between themselves. Two providers can both advertise "no fees" and still differ by several percent on what actually arrives.
Germany is a large, mature euro banking market where bank deposit dominates and cash collection is a fallback rather than a norm.
That is why the comparison above leads with how your recipient can be paid rather than with a headline price: match the service to how they actually want the money, then check the final quote.
How to choose the right provider
Compare the amount received, not the fee
Enter the same amount with two or three providers and compare what your recipient in Germany actually receives in euros. That one number folds the fee and the rate margin together.
Match the payout method to your recipient
In Germany the common rails are bank deposit to an IBAN over SEPA, plus cash pickup. A slightly pricier provider paying into the wallet or account they already use beats a cheaper one that means a trip to an agent.
Check cash pickup coverage before you send
Remitly and Western Union offer cash pickup in Germany. Check the specific branch is open and stocked before sending, especially outside major cities.
Verify the provider is licensed
Any service moving money out of Singapore should be registered with the Monetary Authority of Singapore. Everyone we list is — worth checking for any service you find elsewhere.
Frequently Asked Questions
Sending to Germany from somewhere else
All routes to Germany →Other countries paid in euro
Other corridors to Western Europe from here
Before you send
Ready to compare your transfer?
See rates, fees and delivery options for 4 services side by side.