Chase can order euros for you, but you'll pay a markup and wait several days for delivery

Chase offers foreign currency exchange through its branches and online banking, but euros are not kept in stock at most locations. When you order euros from Chase, the bank sources them from a currency supplier, applies an exchange rate markup (typically 2 to 3 percent above the mid-market rate), and either delivers them to your branch or mails them to your home. The whole process takes three to seven business days, and you'll pay a fee on top of the markup—usually $7.50 to $15 depending on the amount and delivery method.

If you need euros urgently or want a better exchange rate, other routes exist: ATM withdrawals abroad, credit cards with no foreign transaction fees, and specialist currency exchanges. Each has different costs and timelines, and which one makes sense depends on how much you're exchanging, when you need it, and whether you're traveling or sending money overseas.

Key Takeaways

  • Chase orders euros through a supplier and charges a markup of 2 to 3 percent plus a delivery fee, making it more expensive than ATM withdrawals or no-fee credit cards.
  • Ordering euros at a Chase branch or through online banking takes three to seven business days, so plan ahead if you're traveling.
  • You can pick up euros at your local branch or have them mailed to your home, but mailed orders carry a higher fee and longer wait.
  • If you're traveling abroad, withdrawing euros from an ATM using a Chase debit card often costs less than ordering in advance, even with the ATM fee.
  • Chase credit cards with no foreign transaction fees let you pay in euros directly without exchanging cash, avoiding markup and fees entirely.

Ordering euros through Chase online banking

Log into your Chase online account and look for "Foreign Currency" or "Travel" under the Services or Tools section—the exact location varies by account type. Select euros, enter the amount you want, and choose your delivery method: branch pickup or home delivery. Chase will show you the exchange rate and total fee before you confirm the order.

Branch pickup is faster (usually three to five business days) and costs less in fees. Home delivery takes five to seven business days and includes a mailing fee. Once your order is ready, Chase will notify you by email or text. For branch pickup, bring your ID and the confirmation number. For home delivery, the euros arrive in a secure envelope.

Not all branches stock foreign currency on hand. If your branch doesn't normally order euros, the wait may be longer. Call your branch before ordering to confirm they can handle the request.

Ordering euros at a Chase branch in person

Walk into any Chase branch with your ID and ask for the foreign currency desk or a banker who handles currency orders. They'll show you the current exchange rate, calculate the total cost including fees, and process your order on the spot. You'll need to specify how much you want and whether you want to pick it up at that branch or have it mailed.

In-person orders follow the same timeline as online orders: three to seven business days depending on delivery method. Some larger branches in major cities may have euros available immediately, but this is rare. Ask the banker whether they have euros in stock before you order; if they do, you may be able to walk out with cash the same day, though you'll still pay the markup and fee.

What Chase charges for euros

Chase applies two costs on top of the mid-market exchange rate: a markup (usually 2 to 3 percent) and a delivery fee. The markup is built into the rate they quote you—you won't see it as a separate line item. The delivery fee appears separately and ranges from $7.50 for branch pickup to $15 or more for home delivery, depending on the amount and your account type.

Some Chase premium accounts (like Sapphire Reserve or Sapphire Preferred) may waive or reduce the delivery fee, but the markup still applies. Call your branch or check your account details to see if you may have access to for any fee reductions.

The total cost is usually higher than alternatives. For example, if you're exchanging $1,000 and the markup is 2.5 percent plus a $10 fee, you're paying roughly $35 in costs. An ATM withdrawal abroad might cost only $3 to $5 in fees, even after the ATM operator's surcharge.

Using a Chase ATM or debit card abroad instead

If you're traveling to Europe, withdrawing euros from an ATM is often cheaper than ordering in advance. Use your Chase debit card at any ATM in the eurozone. Chase charges a $3 out-of-network ATM fee if the machine isn't a Chase ATM (which it won't be in Europe), plus the local ATM operator may charge their own fee—typically €2 to €3. The exchange rate applied is usually close to the mid-market rate, with a small markup built in by your card network (Visa or Mastercard).

Total cost: usually $5 to $8 per withdrawal, regardless of amount. If you withdraw €200 or more at once, the per-euro cost is lower than ordering euros in advance. The downside is you won't have euros until you arrive and find an ATM, and some travelers prefer having cash before they leave.

Avoid exchanging currency at airport kiosks or hotel desks in Europe—those markups are much higher than Chase's, often 5 to 10 percent.

Using a Chase credit card to avoid exchanging cash

Many Chase credit cards charge no foreign transaction fees, meaning you can spend euros directly without converting cash. Cards like the Chase Sapphire Preferred, Chase Sapphire Reserve, and Chase Freedom Unlimited apply the Visa or Mastercard exchange rate (very close to mid-market) with no additional markup. You avoid the cost of ordering euros, the delivery wait, and the risk of carrying large amounts of cash.

This works well if you're comfortable using a card for most purchases. Some smaller vendors in Europe still prefer cash, and some charge a fee for card payments, so having some euros on hand is still useful. If you do need cash, you can withdraw it from an ATM as described above, or order a small amount from Chase for emergencies.

Frequently Asked Questions

Can I order euros same-day at a Chase branch?

Only if the branch has euros in stock, which is rare. Most branches order euros from a supplier, taking three to seven business days. Call ahead to ask whether your branch keeps euros on hand. If they do, you can usually pick them up the same day or next business day, though you'll still pay the markup and fee.

What if I need euros urgently and don't have time to wait?

If you're leaving within a day or two, ordering from Chase won't work. Instead, use a credit card with no foreign transaction fees once you arrive, or withdraw euros from an ATM abroad. If you must have cash before you leave, some independent currency exchanges (not banks) can deliver euros faster, though their markups are often higher than Chase's.

Do I need a Chase account to order euros?

Yes, you must be a Chase customer with an active checking or savings account. You can order through online banking or at a branch. Non-customers can exchange currency at some Chase branches, but availability and fees vary—call ahead to confirm.

Will Chase exchange euros back to dollars when I return?

Yes, Chase will buy back unused euros at their current exchange rate, minus the same markup and fee. You'll get fewer dollars back than you paid, so it's better to spend all your euros or withdraw only what you need. Bring your euros to a branch with your ID.

Is the exchange rate locked in when I order, or does it change before I pick up?

The rate is locked in when you place the order, not when you pick up or receive the euros. This protects you from rate swings during the processing period. If the rate moves in your favor before your order is ready, you don't benefit—you get the rate from the day you ordered.