Resources for Expats, Travelers and Entrepreneurs Navigating Life and Trade in Saint Martin with the Euro.
What's in this Saint Martin currency guide?
The official currency of Saint Martin (country code: MF) is the Euro, with symbol € and currency code EUR.
The BestExchangeRates.com currency comparison table below helps you see the total cost of your currency transaction by showing the exchange rates offered by different providers. It also makes it easy to spot potential savings from market-leading FX services compared to bank rates.
To see a full list of rates, enter your transaction type, currencies and amount then click ‘GET RATES’:
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As of June 16, 2025, the Euro (EUR) has experienced notable developments affecting travelers, expats, and business owners:
These developments are crucial for individuals and businesses engaged in international transactions, as they can impact exchange rates, purchasing power, and overall economic conditions.
For more EUR information check out our selection of Euro news and guides.
The domestic currency in Saint Martin is the Euro.
The three letter currency code for the Euro is EUR — symbol is €.
Here is an example Euro banknote:
It is the domestic currency in   Eurozone, Aaland Islands, Andorra, Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, French Guinea, French Southern Territories, Germany, Greece, Guadeloupe, Vatican City, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Monaco, Montenegro, Netherlands, Portugal, Reunion, Saint Barthelemy, Saint Martin, Saint Pierre and Miquelon, San Marino, Slovakia, Slovenia and Spain.
No, the Euro is freely available and convertible. See guide: What is a closed currency?
Here are some popular conversion amounts for USD to EUR (US dollar to Euro)*.
*Converted at the current USDEUR interbank exchange rate. Calculate actual payout amounts for Send Money and Travel Money exchange rates.
Using Wise for Euro travel money is a smart choice for savvy travelers. With its competitive exchange rates and low fees, Wise allows you to convert and manage multiple currencies effortlessly.
Be careful when using your own bank's Debit/Credit Card, as your bank may also charge an extra 3% as an “Overseas Transaction Charge” plus “Overseas ATM” fees for withdrawing cash on top of the standard Visa/Mastercard 2.5% from market mid-rate.
For card purchases, if you are offered a choice of currencies always select to Pay in Euro otherwise you will typically get much worst dynamic currency conversion (DCC) exchange rates.
If you really want Euro cash before departure, you can save money by ordering online. You generally get better rates and can pick up the EUR cash locally or even on travel day at the airport.
How much does it really cost to live, work, or travel in Saint Martin? Here's what to expect for daily expenses and expat living.
Travelers planning a one-week mid-range stay in Saint Martin should budget approximately €1,200 to €1,500 for a comfortable experience. This estimation should cover accommodation, meals, and some recreational activities. Here's a quick breakdown of typical daily expenses in the local currency, the Euro (EUR):
Overall, Saint Martin can be categorized as an average to slightly expensive destination compared to other Caribbean islands but is generally more affordable compared to the United States. While dining out and accommodation can be pricey, the high-quality experiences often justify the costs. In comparison, travelers might find prices similar to those in the UK, where dining and accommodations can also drain the budget but offer a different culinary and cultural experience.
For expats, the typical monthly living costs in Saint Martin can vary widely depending on lifestyle choices, but a general expectation is around €2,500-€3,500 per month. This figure includes rent, groceries, dining out, and entertainment. When it comes to banking, it’s advisable to create a relationship with a local bank for convenient transactions and wire transfers. Using credit or debit cards is widely accepted; however, having some cash on hand is beneficial for small purchases and local markets.
When it comes to exchanging money, it may be more cost-effective to use online transfer services like Wise or OFX for significant sums, as they often offer better conversion rates and lower fees than local currency exchanges. However, for small amounts, exchanging a little cash locally may suffice. Always consider transaction fees and currency fluctuations when transferring money or making purchases abroad to ensure you maximize your budget.
The below interactive chart displays the USD/EUR change and UP📈 DOWN📉 trends over the past 1 Year.
August 22, 2025
Key Developments Affecting the Euro (EUR):
1. Economic Activity Surges in August 2025: The HCOB Eurozone Purchasing Managers' Index rose to 51.1, marking its eighth consecutive monthly increase and indicating robust growth across manufacturing and services sectors. (ft.com)
2. Inflation Stabilizes at ECB Target: In July 2025, eurozone inflation held steady at 2%, aligning with the European Central Bank's (ECB) target and supporting the current interest rate stance. (reuters.com)
3. ECB Concerns Over Euro's Strength: ECB officials expressed worries about the euro's rapid appreciation, which has risen 14% against the U.S. dollar in 2025, potentially impacting export competitiveness. (ft.com)
4. Bulgaria's Euro Adoption Approved: On July 8, 2025, the European Parliament endorsed Bulgaria's plan to adopt the euro on January 1, 2026, making it the 21st member state of the eurozone. (en.wikipedia.org)
5. IMF's Outlook on Euro Area Growth: The International Monetary Fund projects moderate growth for the euro area over 2025-2027, citing trade tensions and geopolitical uncertainties as potential risks. (imf.org)
For more EUR information read our News and guides to the Euro.
To get a good (and fair) exchange rate when sending money to Saint Martin you need to find and compare exchange rates for International Money Transfers (IMTs).
The available FX rates for sending money abroad can be very different to the mid-market (wholesale) rate which you see reported online and in the News.
You should especially compare your own bank's exchange rates to those available from Money Transfer specialists to see how much you can save - we make that calculation easy in the below table.
When sending money to Saint Martin it’s important to compare your bank’s rates & fees with those we have negotiated with our partner money transfer providers. To get a better deal you should follow these 4 simple steps :
Use the above calculator to compare the exchange rates of FX specialist providers rates versus your bank's standard rates you can hopefully save around 5% and maybe more - end result is more Euro deposited into the recipient bank account and less margins and fees kept by the banks!