Best Way to Send Money from Ireland to Singapore
Because banks shouldn't hide your money in spreads.
We expose the real cost of every transfer — the spread, the fees, the delivery time — and rank providers by what actually lands in your recipient's account. No sponsored ordering. Ever.
Which provider is cheapest to send money from Ireland to Singapore in 2026?
Hover any card to see exactly what it costs you.
How has the EUR/SGD exchange rate changed recently?
vs Traditional Banks
You save up to SGD 110
on a EUR 900 transfer
Wise
BEST RATEBank of America
+5% markup + $35 wire fee
Wells Fargo
+4.5% markup + $25 wire fee
Sending euros from Ireland to Singapore is fast and cheap if you skip the banks and use a digital provider. This guide walks you through choosing the right service, avoiding hidden exchange rate markups, and getting your money delivered straight to a DBS, OCBC, or PayNow-linked account.
In Singapore, recipients can access funds directly at DBS Bank, the country's largest financial institution. By using Wise instead of a traditional bank wire, your recipient gets approximately 60 SGD more on a $1,000 transfer — because digital providers pass the real exchange rate directly. Worth knowing about the local currency: Singapore's S$10,000 note, one of the world's highest-denomination banknotes still in circulation, features President Yusof Ishak.
Our verdict: Compare Wise, Revolut, Remitly, and WorldRemit side-by-side, then send via SEPA to a PayNow-linked DBS or OCBC account for the best combination of speed and cost.
Step 1: Understand the EUR to SGD Corridor
Before you send a single euro, get clear on who uses this route and why. Money flowing from Ireland to Singapore typically comes from expats supporting family back home, Irish professionals paying for property or investments in Asia, parents funding students at Singaporean universities, and small businesses paying suppliers or contractors. Volumes are usually mid-to-high value, and most senders care more about getting a fair exchange rate than shaving a euro off a flat fee. Standard banking regulations apply for sending from Ireland to Singapore, so as long as you use a licensed provider and can verify your identity, the process is straightforward — there are no special tax forms required for typical personal transfers.
Step 2: Spot the Hidden Fees Before You Pay
Money transfer costs come in two layers, and you must check both. The first layer is the visible flat fee (often €0–€5). The second, and far bigger, layer is the exchange rate markup — the difference between the mid-market rate (what you see on Google) and the rate the provider gives you. Follow these checks every time:
- Open Google and search "EUR to SGD" to find the real mid-market rate.
- Open your provider's quote and compare their rate to that number.
- Calculate the gap as a percentage — anything above 1% is expensive.
- Add the flat fee on top to get your true total cost.
Step 3: Choose a Digital Provider Over Your Bank
Irish high-street banks like AIB and Bank of Ireland typically charge 3–8% in hidden exchange rate markup on EUR-to-SGD transfers, plus SWIFT fees of €10–€25. Digital providers strip that out. Compare these four first:
- Wise — uses the real mid-market rate with a transparent percentage fee, usually the cheapest for amounts above €1,000.
- Revolut — free or near-free transfers within plan limits, ideal if you already have an account.
- Remitly — strong promotional rates on first transfers, good for one-off larger sends.
- WorldRemit — wide delivery network including cash pickup, useful for non-banked recipients.
Run the same EUR amount through two or three of these before committing — a five-minute comparison can save €30–€80 on a €2,000 transfer.
Step 4: Pick the Right Speed
Speed costs money, so match it to the situation. For urgent payments — emergency funds, a property deposit, a bill due tomorrow — choose instant transfer using a debit card; funds usually arrive within minutes to a few hours. For routine transfers like rent, tuition, or family support, choose economy delivery funded by SEPA bank transfer; it takes 1–2 business days but is significantly cheaper. Singapore's PayNow system enables real-time bank transfers using mobile numbers or NRIC/FIN, and many providers (Wise and Revolut especially) deliver directly to PayNow-linked accounts, so even "economy" options often land within hours during business days.
Step 5: Set Up the Recipient Details Correctly
Mistakes here cause delays and fees, so go slowly. Ask your recipient for these in writing, not over the phone:
- Full legal name exactly as it appears on their bank account.
- Bank name — the two largest receiving banks in Singapore are DBS Bank and OCBC Bank, and most digital providers deliver directly to accounts at these banks without any intermediary.
- Account number and bank code, or alternatively the PayNow mobile number or NRIC/FIN.
- SWIFT/BIC code if your provider needs it (DBSSSGSG for DBS, OCBCSGSG for OCBC).
Double-check every digit. A single wrong character can route the money to the wrong account or bounce it back with a fee.
Step 6: Time Your Transfer and Use Rate Alerts
The EUR/SGD pair moves daily, so timing matters for larger amounts. Send during European morning hours (Tuesday to Thursday) when forex liquidity is highest and spreads are tightest — avoid Friday afternoons, weekends, and major ECB or MAS announcement days. For amounts above €5,000, set up rate alerts in Wise or Revolut so you're notified when EUR/SGD hits a target you've chosen; even a 1% better rate on €10,000 is €100 saved. For ongoing transfers like monthly support, schedule a recurring transfer on a fixed day and forget about it.
Step 7: Final Checks Before You Hit Send
Confirm the total amount your recipient will receive (not just what you're sending), screenshot the quote, and keep the reference number. If it's your first time using a provider, start with a small test transfer of €50–€100 before committing to the full amount.