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HOMEMONEY TRANSFERSingapore
Send Money from Singapore to Estonia

Send Money to Estonia from Singapore

Send EUR to LHV, Swedbank Estonia, or SEB Estonia via SEPA. Arrives in minutes. Rate and fee shown upfront.
SGD
EUR
Send money to Estonia
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Send money to Estonia from Singapore

Estonian digital entrepreneurs and e-residency holders in Singapore run EU-registered businesses remotely. Transfers to Estonia cover Tallinn office rent, employee wages through LHV, or personal support to family in Tartu.

Grey receives your salary in USD. Convert to EUR and send to LHV, Swedbank Estonia, SEB Estonia, or any Estonian bank via SEPA. Rate and fee shown before you confirm.

LHV and Swedbank Estonia credit SEPA within minutes. Estonia's digital banking infrastructure is among Europe's most efficient. Your recipient does not need Grey.

Grey is FinCEN-registered. 3 million+ users globally. Financial technology company, not a bank. End-to-end encryption.

Every transfer is protected with bank-grade encryption and tracked end-to-end. Grey Inc is a financial technology company, not a bank. Banking services are provided by licensed banking partners.

Every transfer is protected with bank-grade encryption and tracked end-to-end. Grey Inc is a financial technology company, not a bank. Banking services are provided by licensed banking partners.

How to send money to Estonia from Singapore

Grey foreign bank account in Ghana
Sign up
Open a Grey account in under 5 minutes. You need a valid passport or Singapore NRIC. Grey Inc is registered with FinCEN at 651 N Broad St, Suite 206, Middletown, DE 19709, United States.
Fund
Your Grey account comes with US banking details. Share them with your employer for salary or with clients for invoices. Money lands in your Grey balance. That is what you send from.
Send
Enter the Estonian IBAN. Review rate and fee. Confirm. EUR lands at LHV or Swedbank Estonia typically within minutes.

What it costs to send to Estonia

Grey charges a conversion fee and applies a rate close to mid-market. Both visible before confirmation. LHV does not deduct from incoming SEPA.

SWIFT from Singapore to Estonia: SGD 20 to SGD 40 plus rate margin. Takes 2 to 4 days. Grey via SEPA: minutes.

Compare the EUR at LHV for the same SGD. The service that delivers more EUR is cheaper.

Grey locks the rate at confirmation. The local currency amount your recipient receives does not change between when you send and when it arrives.

Grey locks the rate at confirmation. The local currency amount your recipient receives does not change between when you send and when it arrives.

The USD to EUR rate on your Estonia transfer

Grey locks the rate at confirmation. The EUR does not change. LHV credits the exact amount confirmed.

LHV supports SEPA Instant, which settles in under 10 seconds. Standard SEPA within minutes.

For business payroll requiring precise EUR amounts on specific dates, the rate lock and SEPA Instant are a reliable combination.

Grey vs bank wire to Estonia

SWIFT: 2 to 4 days. Grey via SEPA: minutes. LHV supports SEPA Instant for settlement in seconds.

For Estonian payroll or supplier payments, Grey plus LHV's SEPA Instant is near real-time.

What your recipient sees in Estonia

A SEPA credit in their Estonian bank. Standard EUR domestic format. No Grey needed.

Bank delivery

Grey delivers EUR to LHV, Swedbank Estonia, SEB Estonia, Luminor, and every Estonian bank with an IBAN.

Arrival time

LHV and Swedbank Estonia support SEPA Instant. Settlement in seconds. Standard SEPA in minutes.

GreyTag

Recipient on Grey? GreyTag. Free. Instant.

How to fund your transfer

Salary from your Singapore employer lands in Grey. Converting to EUR and sending to Estonia takes under 2 minutes.

Payroll

One-time setup. Salary every cycle. Estonia transfers always ready.

Wire

Wire from any Singapore bank. Available once cleared.

Existing balance

USD in Grey? Convert and send to Estonia now.
Estonian e-residency holders in Singapore use Grey for both personal and business transfers. Client invoices come in USD. Employee wages and office rent go out in EUR to LHV.
Grey foreign bank account in Brazil.

Who sends from Singapore to Estonia

Family

Support to parents in Tartu or Parnu. Monthly household and medical costs.

Office

Tallinn co-working space or virtual office fees for e-residency businesses.

Payroll

Estonian company employee wages paid through LHV or Swedbank Estonia.

Tax

Estonian corporate tax obligations or VAT payments to Maksu- ja Tolliamet.

Estonian digital entrepreneurs in Singapore send for Tallinn office expenses, Estonian company payroll through LHV, family support in Tartu, and e-residency business obligations. Mix of business and personal transfers.
Send money to Estonia

Best way to send money to Estonia

If cost matters most
Grey shows the EUR at LHV before you confirm. For business payroll, exact EUR matters more than speed.
If speed matters most
Grey plus LHV SEPA Instant: seconds. SWIFT from Singapore: days. For payroll deadlines, this is the only realistic option.
More than transfers
Multi-currency balance, virtual cards, GreyTag. One app.
FinCEN regulated
Grey Inc. FinCEN. 651 N Broad St, Suite 206, Middletown, DE 19709.
3M+ users
Encrypted. Tracked. 4.5+. In-app support.

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FAQs

How do I send money from Singapore to Estonia with Grey?
expand
Your Grey USD balance, funded by employer payroll or USD wire, converts to EUR and delivers via SEPA to your recipient's bank account in Estonia. Enter their IBAN, confirm the USD-to-EUR rate and fee, and send. Transfers typically arrive within minutes.
What is the USD to EUR rate today?
expand
The current USD-to-EUR rate is shown in the Grey app before you confirm. The rate at confirmation is the rate applied.
How long does a transfer from Singapore to Estonia take?
expand
Transfers from a funded Grey balance to Estonia arrive via SEPA, typically within minutes. SEPA Instant settles in under 10 seconds where supported.
Which banks in Estonia does Grey support?
expand
Grey delivers to Swedbank Estonia, LHV, SEB Estonia and all other banks that accept SEPA transfers in Estonia. Enter your recipient's IBAN in the Grey app.
Does my recipient in Estonia need a Grey account?
expand
No. The transfer arrives as a standard SEPA credit to their Estonia bank account. No Grey account required.
What is SEPA and how does it work for Singapore-to-Estonia transfers?
expand
SEPA is the European payment network for EUR transfers. Grey uses SEPA to deliver USD-to-EUR transfers to Estonia. Credits arrive directly in recipient bank accounts, typically within minutes.
What is the fee for sending money from Singapore to Estonia?
expand
The conversion fee and USD-to-EUR rate are both shown in the Grey app before you confirm. No additional charges apply after confirmation.
Is Grey cheaper than Singapore bank SWIFT transfers to Estonia?
expand
Singapore bank SWIFT transfers to Estonia carry fees of SGD 20 to SGD 40 plus a 2 to 4 percent exchange rate margin and take 2 to 4 business days. Grey uses SEPA, which is faster and more cost-transparent for bank delivery to Estonia.
Can I track my transfer to Estonia?
expand
Yes. Grey shows transfer status in the app and sends a notification when funds arrive in your recipient's account in Estonia.
Can I cancel a transfer to Estonia?
expand
Transfers can be cancelled before processing. Once sent via SEPA, transfers typically cannot be reversed. Contact Grey support via the app immediately if you need to cancel.
What are the transfer limits for sending from Singapore to Estonia?
expand
Limits vary by verification level and are shown in the Grey app. Completing full verification increases your send limit for all corridors.

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