Ordering euros from Chase is straightforward if you have an account there, but you'll pay a markup on the exchange rate and should plan ahead — most branches don't stock euros on hand and need several business days to order them.

Chase offers foreign currency exchange through most of its branches and online. You can order euros in person at a branch, by phone, or through some Chase online banking portals, depending on your account type and location. The bank will charge you an exchange rate that includes their markup over the mid-market rate, meaning you'll pay more per euro than you would through other methods like ATM withdrawals abroad or credit card purchases.

The process is simple but timing matters. Chase typically needs 3 to 7 business days to have euros ready for pickup at your branch, though this varies by location and order size. If you're leaving for a trip soon, calling your branch today is better than waiting until the day before departure.

Key Takeaways

  • Chase charges an exchange rate markup that is typically higher than what you'd pay using a debit card at a European ATM or making purchases with a credit card abroad.
  • You need to order euros in advance — most branches don't keep foreign currency in stock and require 3 to 7 business days to fulfill an order.
  • Ordering in person at a Chase branch, by phone, or online (if your account type allows it) are the main methods; availability depends on your location and account.
  • You'll need a valid ID and your Chase account to complete the order, and you'll pay for the euros when you pick them up or when the order is confirmed.

How to place an order at a Chase branch

Walk into any Chase branch with your ID and ask to order euros. Tell the teller how much you need and when you're traveling. They'll quote you the current exchange rate (which includes Chase's markup), confirm the amount in dollars you'll pay, and give you a timeframe for pickup — usually 3 to 7 business days. You can pay at that time or when you pick up the currency.

Smaller branches in rural areas may take longer or may not offer foreign currency at all. If your local branch doesn't stock euros regularly, ask whether they can order them or whether you should go to a larger branch nearby. Some branches will hold the order for a set number of days; confirm the pickup deadline so you don't lose the reservation.

Ordering euros by phone or online

Call the phone number on the back of your Chase debit or credit card and ask to speak with someone about foreign currency. Have your account number, ID information, and travel dates ready. They'll quote a rate, confirm the dollar amount, and arrange for the euros to be ready at your nearest branch or a branch you specify.

Some Chase online banking platforms allow you to order foreign currency directly, though this feature is not available on all account types. Log into your account and look for a "Foreign Exchange" or "Travel" section. If you don't see it, phone ordering or visiting a branch in person are your options.

Understanding Chase's exchange rate markup

Chase publishes its exchange rates daily, but those rates include a markup — the difference between what Chase pays for euros and what it charges you. This markup typically ranges from 2% to 3% above the mid-market rate, though the exact percentage varies by currency and market conditions. You won't see a separate "fee" listed; the markup is built into the rate itself.

For comparison, withdrawing euros from an ATM in Europe usually costs less because ATM networks often offer rates closer to mid-market, with only a small fee from your bank. Using a credit card for purchases abroad also typically costs less than ordering currency in advance. If you're traveling to Europe for more than a few days, using local ATMs may save you money despite the ATM fees.

What to bring and what to expect at pickup

When you pick up your euros, bring the ID you used to place the order and your Chase account information. The teller will count out the currency, give you a receipt, and confirm the dollar amount charged to your account. If you ordered by phone or online, payment will have already been processed, and you're simply collecting the physical cash.

Euros come in bills of 5, 10, 20, 50, 100, 200, and 500 euros. If you requested a specific breakdown (for example, mostly 20s and 50s for easier spending), mention it when you pick up the order, though Chase may not always be able to accommodate specific requests. Check the bills before you leave the branch to make sure the count is correct.

Alternatives to ordering from Chase

If Chase's markup is too high or you don't have time to wait for an order, consider other options. Withdrawing euros from an ATM after you arrive in Europe usually offers a better exchange rate, though you'll pay an ATM fee (typically $2 to $5 per withdrawal). Using a credit card for purchases avoids the exchange markup entirely and often gives you a rate close to mid-market.

If you want euros before you travel, specialty currency exchange services like OANDA or XE offer rates closer to mid-market than Chase, though you'll need to order online and have the currency mailed or pick it up at a location. These services are useful if you need a large amount or want to avoid Chase's markup, but they require more planning and may charge shipping fees.

Frequently Asked Questions

How much does Chase charge to exchange currency?

Chase doesn't list a separate exchange fee. Instead, the rate you're quoted includes a markup of roughly 2% to 3% above the mid-market rate. The exact markup varies by currency and changes daily. When you call or visit, ask the teller to quote the rate so you know the total dollar cost before you commit.

Can I order euros online through my Chase account?

Some account types allow online foreign currency ordering through Chase's website or mobile app, but not all do. Log in and look for a travel or foreign exchange section. If you don't see it, call the number on your card or visit a branch in person to place an order.

What if I need euros in less than 3 days?

Call your branch and explain the timeline. Some branches may be able to rush an order or may have euros in stock, but this is not may provide. If they can't help, your best option is to arrive in Europe and withdraw euros from an ATM, or use a credit card for purchases until you can get to a bank.

Do I need a Chase account to order euros?

Yes, you need to be a Chase customer. If you don't have an account, you can open one at a branch, but this adds time to the process. Non-customers can sometimes exchange currency at a branch for a higher fee, but policies vary by location — call ahead to ask.

Can I return unused euros to Chase?

Chase will exchange unused euros back to dollars, but you'll pay another markup on the return exchange rate. You'll get less than you paid because the rate will have moved and Chase will apply its markup again. It's better to spend the euros or use them on a future trip than to exchange them back.