Chase lets you order foreign currency online, by phone, or in person at a branch, and most orders arrive within one to three business days
Chase offers foreign currency ordering through three channels: their website (if you have a Chase checking or savings account), by calling their foreign exchange line at 1-844-612-6361, or by visiting a branch in person. You can order more than 80 currencies. The bank charges a markup on the exchange rate—typically 2 to 3 percent above the mid-market rate—and may charge a flat fee depending on the amount and currency. Most orders placed before 2 p.m. Eastern time arrive within one to three business days; orders placed after that or on weekends are processed the next business day.
You will see the exact exchange rate and all fees before you confirm your order, so there are no surprises at the end. The rate shown when you place the order is locked in and does not change if processing takes longer than expected. Pickup and delivery options vary depending on the amount you are ordering and which method you choose.
Key Takeaways
- Chase customers can order foreign currency online through their account, by phone at 1-844-612-6361, or at any branch location.
- The bank charges a markup of roughly 2 to 3 percent above the mid-market exchange rate, plus a possible flat fee for smaller orders.
- Most orders arrive within one to three business days if placed before 2 p.m. Eastern time on a business day.
- You can pick up currency at a branch, have it mailed to your address, or arrange delivery through other methods depending on the amount.
- Chase holds your order for 10 business days; if you do not pick it up or confirm delivery details within that window, the order may be cancelled.
Ordering online through your Chase account
Log into your Chase online banking portal and look for the foreign currency option under the transfers or services menu—the exact location varies slightly by account type. You will need to enter the currency you want, the amount, and your preferred delivery method. Chase will show you the exchange rate and any fees before you confirm the order. Once you place the order, you receive a confirmation number and can track the status in your account.
Online ordering is available only to customers with a Chase checking or savings account in the United States. If you do not see the option in your account menu, your account type may not support it, or the feature may not be active on your login. In that case, call the foreign exchange line or visit a branch. The online system processes orders the same way as phone and in-person orders, so timing and delivery windows are identical.
Calling Chase to place a phone order
Call Chase's foreign exchange department at 1-844-612-6361. You will need your account number, the currency you want, the amount, and your preferred delivery method. The representative will quote you the current exchange rate and any applicable fees, and you can accept or decline before the order is placed. Phone orders are processed the same day if called before 2 p.m. Eastern time on a business day.
Have your account information and ID ready when you call. If you are ordering a large amount (typically $10,000 or more), Chase may ask additional questions or require you to verify the purpose of the order for compliance reasons. This is standard practice and does not delay the order significantly. The representative can also tell you immediately whether the currency you want is in stock or needs to be ordered.
Picking up currency at a Chase branch
Walk into any Chase branch and ask for the foreign exchange desk or a teller who handles currency orders. Not every branch keeps all currencies in stock, so smaller or less common currencies may need to be ordered and held for pickup. The teller will show you the rate, calculate fees, and process the order on the spot. You can usually pick up the currency the same day if it is in stock, or within one to three business days if it needs to be ordered.
Bring a photo ID and your debit card or account information. If you are ordering a large amount, the branch may ask you to call ahead so they can ensure the currency is available and ready. Some branches have limits on how much cash they will hand over in a single transaction for security reasons; if your order exceeds that limit, they may split it across multiple days or arrange a secure delivery instead.
Delivery methods and pickup windows
Chase offers several ways to receive your currency. You can pick it up at a branch, have it mailed to your address, or arrange for a courier delivery for large orders. Mailed orders typically arrive within three to five business days after the order is ready. Courier delivery is faster but costs more and is usually reserved for orders of $10,000 or higher.
When you place your order, you will choose your delivery method and confirm the address or branch location. Chase holds your order for 10 business days. If you do not pick it up or confirm delivery details within that window, the order may be cancelled and your money returned to your account. If your plans change, contact Chase as soon as possible to reschedule pickup or delivery.
Understanding Chase's exchange rates and fees
Chase charges a markup on top of the mid-market exchange rate—the rate at which banks trade currency with each other. This markup is typically 2 to 3 percent, though it varies by currency and market conditions. For example, if the mid-market rate for euros is 1.10 USD per euro, Chase might offer you 1.07 USD per euro after the markup. You will see the exact rate and total cost before you confirm the order.
Some orders also carry a flat fee, usually $5 to $15, depending on the amount and currency. Larger orders (typically $5,000 or more) may have lower percentage markups or no flat fee. Ask the representative or check the online quote to see the complete breakdown before you commit. The rate shown at the time you place the order is locked in; it does not change if there is a delay in processing or delivery.
What to do if your order is delayed or something goes wrong
If your order does not arrive within the timeframe quoted, contact Chase's foreign exchange line at 1-844-612-6361 or visit your branch. Have your confirmation number ready. Most delays are caused by high order volume, currency availability, or processing backups during holidays or weekends. Chase can usually tell you the exact status and a new expected delivery date.
If you receive the wrong currency, the wrong amount, or damaged bills, contact Chase immediately. Bring the currency and your order confirmation to a branch, or call the foreign exchange line. Chase will correct the error, usually by exchanging the currency or reprocessing the order at no additional cost. Keep your confirmation number and any receipts until you have verified that the currency you received matches your order.
Frequently Asked Questions
Can I order foreign currency if I do not have a Chase account?
No. Chase requires you to have an active checking or savings account to order currency through any channel—online, phone, or in person. If you do not have an account, you can open one at a branch or online, though it may take one to two business days to become active before you can place a currency order.
What currencies does Chase offer?
Chase offers more than 80 currencies, including major ones like euros, pounds, yen, and Canadian dollars, as well as less common ones like Thai baht and South African rand. Not every branch keeps every currency in stock. If you want a currency that is not immediately available, Chase will order it, and it usually arrives within one to three business days.
Can I order currency for someone else?
No. The account holder must place the order and be present to pick it up or authorize delivery. If someone else needs currency, they must have their own Chase account and place their own order. This is a compliance requirement to prevent fraud and money laundering.
What happens if I change my mind after placing an order?
Contact Chase as soon as possible. If the order has not been processed or the currency has not been prepared, Chase can usually cancel it and return your money to your account within one to two business days. If the currency has already been prepared or delivered, you may not be able to cancel, but you can ask about exchanging it back to US dollars at the current rate.
Do I need to tell Chase why I am ordering foreign currency?
For most orders, no. For large orders (typically $10,000 or more), Chase may ask the purpose as part of standard compliance checks. This is routine and does not prevent you from ordering; just be honest about whether it is for travel, business, or another reason.