Yes, Chase can order euros for you, but it takes time and costs money
Chase branches can order euros through their foreign exchange service, but you cannot walk in and leave with them the same day. Most branches order euros from a central currency hub and the cash arrives within 3 to 5 business days. You will pay a markup on the exchange rate — typically 2 to 3 percent above the mid-market rate — plus a flat ordering fee that varies by branch, usually between $5 and $15. Some branches charge nothing if you order a large amount, so call ahead to ask.
The process is straightforward: you go to a Chase branch, tell the teller you want euros, and they place the order. You need a valid ID and a Chase account (though some branches may make exceptions). When the euros arrive, you return to pick them up and pay in cash or from your account. If you need euros urgently — within a day or two — a Chase branch cannot help you. If you need them within a week, ordering through Chase is usually your best option.
Key Takeaways
- Chase orders euros from a central hub and delivery takes 3 to 5 business days, so plan ahead if you need cash before a trip.
- You will pay the mid-market exchange rate plus a 2 to 3 percent markup and a flat fee of $5 to $15, depending on your branch.
- Call your local Chase branch before you go to confirm they offer foreign exchange and ask what their fee structure is.
- If you need euros within 24 hours, a currency exchange shop or airport kiosk is faster than Chase, though usually more expensive.
- Ordering euros through Chase works best if you have a Chase account and time to wait; otherwise, compare prices at independent currency exchanges first.
How to order euros at a Chase branch
Walk into any Chase branch with your ID and ask to speak to someone about foreign exchange. Not every teller handles currency orders, so you may be directed to a specific desk or asked to come back at a certain time. Tell them how many euros you need and when you plan to travel. They will quote you the current rate, show you the fee, and confirm the delivery date.
You do not need to pay upfront. Chase will call or email you when the euros arrive, usually within 3 to 5 business days. You then return to the branch, confirm the amount and rate one more time, and pay. Bring cash or be prepared to transfer money from your account. Take the euros in person — Chase will not mail them to you or hold them for more than a few days without charging storage fees.
What affects the cost and timing
The exchange rate Chase quotes you is locked in when you place the order, not when you pick up the cash. This protects you if the rate moves against you while you wait. The markup — usually 2 to 3 percent — is Chase's profit on the transaction. The flat fee covers the cost of ordering and handling the currency. Some branches waive the fee if you order more than $1,000 or $2,000 worth of euros, so ask.
Timing depends on how much you order and how busy the currency hub is. Small orders (under $500) usually arrive within 3 business days. Large orders or orders placed on a Friday may take the full 5 days. If you order during a holiday week or right before a major travel season, add an extra day or two. Call your branch to ask how long they expect your specific order to take.
Comparing Chase to other ways to get euros
Chase is not the only option, and it is not always the cheapest. An independent currency exchange shop may offer a better rate if you live in a city with multiple options. Airport currency kiosks are convenient but charge the highest markups — often 4 to 5 percent or more. Credit card cash advances in euros (if your card allows it) can be competitive, but you pay interest immediately and a cash advance fee.
If you have time, ordering euros online from a currency delivery service like OFX or Wise can save you money. These services often charge lower markups than Chase and deliver to your home or a pickup location. However, they require a few extra days and may have minimum order amounts. If you need euros within 24 hours and do not want to pay airport prices, a local currency exchange is your fastest option.
| Method | Time to get euros | Typical markup | Best for |
|---|---|---|---|
| Chase branch order | 3 to 5 business days | 2 to 3 percent plus $5–$15 fee | Planned trips, large amounts, Chase customers |
| Independent currency exchange | Same day or next day | 2 to 4 percent | Last-minute needs, competitive rates in major cities |
| Airport kiosk | Immediate | 4 to 5 percent or higher | Emergency cash only, convenience over cost |
| Online currency service | 3 to 7 business days | 1 to 2 percent | Large orders, lowest cost, home delivery |
| Credit card cash advance | Immediate | 3 to 5 percent plus interest | Emergency only, high cost |
What to bring and what to expect when you pick up
Bring your ID and be ready to pay the full amount in cash or from your account. Chase will show you the euros before you leave — count them to make sure the amount is correct. You will receive the cash in a sealed envelope or bag. Do not open it until you are home or at your hotel; opening it in the branch or on the street draws attention.
Ask for small bills if possible. A teller can usually break down large denominations (like €500 notes) into smaller ones, though some may charge a small fee. If you are traveling to multiple countries, ask whether the euros you receive are the standard circulating notes — they should be, but it is worth confirming. Keep your receipt, which shows the rate and fee you paid.
What happens if you change your mind or the rate moves
If you cancel your order before the euros arrive, Chase will refund your money with no penalty. Once the euros are in your hands, you own them and cannot return them to Chase for a refund. If the exchange rate moves in your favor while you wait, you do not benefit — the rate is locked when you order. If it moves against you, you are protected.
Some travelers order euros early and then decide they do not need as many. Call your branch as soon as possible to reduce the order. If the euros have already arrived, you can exchange them back to dollars at the same branch, but Chase will charge you a fee and give you a worse rate than you paid. It is usually cheaper to spend the euros or exchange them at your destination.
Frequently Asked Questions
Do I need a Chase account to order euros?
Most branches require a Chase account, but some will order currency for non-customers if you pay cash upfront. Call your local branch to ask. Having an account makes the process faster and may may have access to you for a lower fee.
Can I order euros online and pick them up at a branch?
Chase does not offer online foreign exchange ordering through their website. You must go to a branch in person or call ahead to place the order by phone. Some branches may take orders over the phone and hold the euros for pickup, but this varies by location.
What if my branch does not have euros in stock?
Most Chase branches do not keep large amounts of foreign currency on hand. They order from a central hub, which is why it takes 3 to 5 days. If your branch rarely orders euros, the wait may be longer. Call ahead to confirm they can order euros and ask how long it will take.
Is it cheaper to exchange dollars for euros at my destination?
Usually not. Banks and exchange shops in Europe often charge higher markups than Chase, especially in tourist areas. Getting euros before you leave the United States is almost always cheaper. The exception is if you use an ATM in Europe with a bank that does not charge foreign transaction fees — that can be competitive with Chase.
What if I order too many euros and do not spend them all?
You can exchange unused euros back to dollars at a Chase branch when you return, but you will pay a fee and get a worse rate than you paid to buy them. It is usually better to spend the euros or keep them for a future trip. If you have only a small amount left, the fee may exceed the value, so consider giving them away or donating them.