Chase can order euros for you, but not all branches stock them and the process takes time
Chase Bank does not keep euros on hand at most branches. If you need euros, you can order them through Chase's foreign currency service, but you will need to plan ahead — the bank typically requires several business days to get the currency in stock, and you may pay a markup on the exchange rate. The availability and process vary by branch location and account type.
Your best option depends on when you need the euros, how much you need, and whether you have a Chase account. If you are leaving for Europe soon, ordering through Chase may be too slow. If you have time and prefer working with your existing bank, it is straightforward but not the cheapest route.
Key Takeaways
- Chase can order euros through its foreign currency service, but most branches do not stock them and ordering takes several business days.
- You will pay an exchange rate markup when you order euros through Chase, which is typically higher than the mid-market rate you see online.
- Chase customers with certain account types may have better rates or lower minimums than non-customers, though this varies by branch.
- If you need euros within a few days, airport currency exchanges or online currency delivery services may be faster, though they also charge markups.
How to order euros through Chase
Call your local Chase branch or visit in person and ask to speak with someone in the foreign exchange department. They will ask how much you need, when you need it, and whether you want to pick it up or have it delivered. Most branches require at least a few hundred dollars' worth of euros and need 3 to 5 business days to source the currency.
You will need to bring a valid ID and have funds available in your Chase account or be prepared to pay cash. The bank will quote you an exchange rate at the time of your order — this rate is locked in once you confirm, so you know exactly how many euros you will receive. Ask the branch directly about their minimum order amount and whether they charge a flat fee on top of the exchange rate markup.
Exchange rates and fees at Chase
Chase's exchange rate for euros is not the same as the rate you see quoted online. The bank adds a markup — typically 1 to 3 percent above the mid-market rate, depending on the amount you are ordering and current market conditions. This markup is how the bank covers the cost of sourcing and holding the currency.
Some Chase branches also charge a flat transaction fee, usually between $5 and $15, though this is not universal. Ask your branch for the total cost before you commit to the order. If you are ordering a large amount, the percentage markup may be negotiable, so it is worth asking.
Faster alternatives if you need euros quickly
If your trip is in the next few days, airport currency exchanges can get you euros immediately, though their markups are often steeper than Chase's. You can also use online currency delivery services like OFX or Wise, which typically offer better rates than banks but still require 1 to 3 business days for delivery to your home or a pickup location.
Credit cards and debit cards that do not charge foreign transaction fees are another option — you can withdraw euros directly from ATMs in Europe, usually at a rate close to the mid-market rate. This avoids the need to carry large amounts of cash and spreads your currency exchange across multiple transactions.
What to know about Chase's foreign currency service
Not every Chase branch offers foreign currency ordering. Smaller branches or those in rural areas may not have the service, or they may refer you to a larger branch or require you to order online. Call ahead to confirm your branch can handle the order before you visit.
Chase also limits how much foreign currency you can order at once. There is no single cap across all branches, but very large orders (tens of thousands of dollars) may require additional documentation or approval. If you are exchanging a large sum, ask about any reporting requirements — the bank is required to file a Currency Transaction Report (CTR) for cash exchanges over $10,000.
Comparing Chase to other ways to get euros
| Method | Time to get euros | Exchange rate markup | Best for |
|---|---|---|---|
| Chase foreign currency order | 3–5 business days | 1–3% above mid-market | Customers with time to plan |
| Airport currency exchange | Same day | 3–5% above mid-market | Last-minute trips |
| Online currency service (Wise, OFX) | 1–3 business days | 0.5–1.5% above mid-market | Better rates with advance planning |
| ATM withdrawal in Europe | Immediate (on arrival) | 0.5–1% above mid-market | Avoiding large cash exchanges |
Frequently Asked Questions
Can I order euros online through Chase.com?
Some Chase branches allow you to order foreign currency through their website or mobile app, but this is not available at all locations. Log into your Chase account and look for the foreign currency option, or call your branch to ask whether they offer online ordering. If they do, the process is similar to ordering in person, and you typically pick up at the branch or arrange delivery.
What if I need euros but do not have a Chase account?
Chase will still exchange currency for non-customers, but you may face higher fees or less favorable rates. Some branches require you to have an account or may have higher minimum order amounts for non-customers. Call your local branch to ask about their policy before making a trip.
Do I have to pick up euros in person, or can Chase deliver them?
Many Chase branches offer delivery to your home or to a branch location, though this may add a few days to the process and could include a delivery fee. Ask when you place your order. Delivery is usually only available for larger orders, so confirm with your branch what the minimum is.
What happens if the exchange rate changes between when I order and when I pick up?
Once you confirm your order and the branch quotes you a rate, that rate is locked in. You will not pay more or less if the market rate moves. This is why it is important to ask for the rate in writing before you commit.
Is it cheaper to exchange dollars for euros at a bank in Europe?
European banks and ATMs typically offer rates closer to the mid-market rate than U.S. banks do, so you may get more euros for your dollar if you wait to exchange in Europe. However, you will need to carry some cash or use a card to get your free guide. For large amounts, exchanging in Europe can save money, but for smaller trips, the difference may not be worth the hassle.