Yes, Chase offers currency exchange, but not at every branch and not always at the rate you see online
Chase will exchange foreign currency for you, but the service works differently depending on whether you're a customer, what currency you need, and which branch you walk into. Most Chase branches can order currency for you — meaning you request it, wait a few business days, and pick it up. Some larger branches in major cities keep cash on hand and can exchange it the same day. The catch: Chase charges a markup on the exchange rate, typically 2 to 3 percent above the mid-market rate, and may charge a flat fee on top of that depending on the amount and currency.
If you need currency before a trip, calling your local branch first saves time. Ask whether they stock the currency you need or if they'll have to order it. If they order it, ask how many business days it takes — usually three to five — and whether there's a minimum order amount. Some branches won't order small amounts, so knowing this before you show up matters.
Key Takeaways
- Chase can exchange currency at most branches, but availability varies by location and currency type.
- Same-day exchange is possible at some larger branches; most branches require you to order currency in advance and pick it up later.
- Chase charges a markup of roughly 2 to 3 percent above the mid-market rate, plus possible flat fees depending on the amount.
- Calling your branch before you go tells you whether they stock the currency, how long an order takes, and what the total cost will be.
- Alternatives like airport kiosks, credit unions, and online currency services may offer better rates for large exchanges.
How to order currency at Chase
Walk into your branch or call ahead and ask to speak with someone in customer service or the teller line. Tell them the currency you need, the amount, and when you need it. They'll check whether it's in stock. If it is, you may be able to exchange it that day — bring your passport or ID and the cash or debit card you're paying with. If they don't have it, they'll order it from Chase's currency center.
The order typically arrives within three to five business days. You'll get a call or email when it's ready. Go back to the branch with your ID and payment method, and the teller will complete the exchange. Some branches ask you to pick it up within a certain window — usually a week or two — so ask about that when you place the order.
If you're a Chase customer, you can sometimes order currency through your online banking portal or mobile app, though this still requires you to pick it up in person at a branch. Check your bank's website or app to see if this option is available for your account.
What Chase charges for currency exchange
Chase doesn't publish a single exchange rate. Instead, they use the mid-market rate — the rate banks use to trade with each other — and add a markup. That markup is typically 2 to 3 percent, though it can vary by currency and branch. On top of that, some branches charge a flat fee ranging from $5 to $15 for the exchange itself, depending on the amount and the currency.
To know the exact cost before you commit, ask the teller or customer service representative to quote you the rate and any fees. They can tell you how much foreign currency you'll receive for your dollars, or how many dollars you'll pay for the foreign currency. Write it down or take a screenshot so you have it in writing.
The markup means Chase is rarely the cheapest option for large exchanges. If you're exchanging $1,000 or more, comparing Chase's rate to an online currency service or a credit union may save you $20 to $50 or more.
When Chase currency exchange makes sense
Chase works best when you need a small amount of currency quickly and you're already a Chase customer with a nearby branch. If you're leaving for a trip in two days and need $200 in euros, calling your branch to see if they have it in stock is faster than ordering online and waiting for delivery. If you're a Chase customer, you also have the convenience of handling it at a branch you already use.
Chase also works if you're exchanging an unusual currency that online services don't handle well, or if you prefer the security of getting cash in person rather than having it shipped. Some people also use Chase if they're uncomfortable with online transactions or don't have time to research other options.
Alternatives that may offer better rates
Credit unions often charge lower markups than Chase — sometimes 1 to 2 percent instead of 2 to 3 percent. If you belong to one, call and ask their rate before you go to Chase. Online currency services like XE, OANDA, or OFX let you lock in a rate online and pick up cash at a partner location, or have it delivered. These services typically charge lower markups but take longer and may have minimum order amounts.
Airport currency kiosks are convenient but almost always charge the highest markups — often 4 to 5 percent or more. Use them only if you have no other option and need currency immediately. If you're traveling internationally, using your Chase debit card to withdraw cash from an ATM in the destination country often gives you a better rate than exchanging before you leave, though Chase charges a $5 foreign ATM fee per transaction.
What to bring when you exchange currency
Bring a government-issued photo ID — a passport, driver's license, or state ID. Bring the payment method you're using: cash, a debit card, or a credit card, depending on what the branch accepts. Some branches prefer cash or debit; ask when you call. If you're exchanging a large amount, the branch may ask for additional information for compliance reasons — this is normal and required by law.
If you're picking up a currency order you placed earlier, bring the confirmation number or reference number the branch gave you, along with your ID and payment method.
Frequently Asked Questions
Can I exchange currency at any Chase branch?
Most Chase branches can order currency for you, but not all branches stock currency on hand. Larger branches in major cities are more likely to have same-day exchange. Call your branch first to confirm they can handle the currency you need and whether it's in stock.
How long does it take to get currency after I order it?
If the branch has it in stock, you can exchange it the same day. If they have to order it, it typically takes three to five business days. Some branches may take longer depending on the currency and how busy they are. Ask for a specific date when you place the order.
Can I exchange currency without being a Chase customer?
Yes, Chase will exchange currency for non-customers, though some branches may require additional ID or have different policies. Call ahead to confirm. Being a customer may give you access to better rates or faster service at some branches.
Is Chase's exchange rate better than the airport?
Yes, Chase's markup of 2 to 3 percent is typically lower than airport kiosks, which charge 4 to 5 percent or more. However, credit unions and online currency services may offer rates comparable to or better than Chase.
What if I need currency on a weekend or after hours?
Chase branches are closed on weekends and evenings, so you can't exchange currency outside business hours. Plan ahead and order currency before the weekend. If you need cash immediately, an airport kiosk is your only option, though the rate will be worse.