Yes, Chase can order euros for you, but not instantly and not at every branch
Chase will order euros through its foreign exchange service, but the process takes several business days and you must pick them up at a branch that handles currency orders. You cannot walk into most Chase locations and walk out with euros the same day. The bank sources euros from its wholesale currency supplier, which means timing matters if you are leaving soon.
Not every Chase branch stocks physical euros on hand. Smaller branches typically do not keep foreign currency in the vault. You will need to call ahead to find a branch near you that handles currency orders, place your request, and return to pick up your euros once they arrive—usually three to five business days later.
Key Takeaways
- Chase orders euros through its foreign exchange desk, but the process takes three to five business days, so plan ahead if you are traveling soon.
- You must pick up euros at a Chase branch that handles currency orders; most smaller branches do not stock foreign currency and cannot fulfill requests.
- Call the Chase foreign exchange line or visit a branch to place your order and learn the current exchange rate before you commit.
- Chase charges a markup on the exchange rate, so comparing the rate to other sources like airport exchanges or online currency services can save you money.
- If you need euros urgently, airport currency exchanges and some ATMs abroad may be faster options, though they often charge higher markups.
How to order euros through Chase
Start by calling Chase's foreign exchange department at the number on the back of your debit or credit card, or visit a Chase branch in person. Tell them you need euros, how much, and when you are traveling. The representative will quote you the current exchange rate—this is the rate you will receive when you pick up the currency, not when you place the order.
You will need to provide your account number and confirm the amount in US dollars you want to convert. Chase will place the order with its currency supplier. Once the euros arrive at your chosen branch, the bank will call or email you to let you know they are ready for pickup. Bring your ID and be prepared to pay the full amount in cash or from your account.
The entire process—from order to pickup—typically takes three to five business days. If you are leaving in fewer than three days, call immediately and ask if expedited ordering is possible. Some branches can arrange faster delivery for an additional fee, but this is not may provide.
Chase's exchange rate and fees
Chase applies a markup to the mid-market exchange rate, which is the rate banks use to trade currencies with each other. The markup varies but typically ranges from 1 to 3 percent above the mid-market rate. This means if the mid-market rate is 1 euro to 1.10 US dollars, Chase might offer you 1 euro to 1.07 US dollars after the markup.
Chase does not charge a separate transaction fee for ordering currency, but the markup is built into the rate you receive. The exact markup depends on the amount you are ordering and current market conditions. Before you commit, ask the representative for the specific rate they are quoting and compare it to the mid-market rate you can find on XE.com or OANDA to understand what you are paying.
Finding a Chase branch that handles currency orders
Not all Chase branches are equipped to handle foreign currency orders. Larger branches in major cities are more likely to have a foreign exchange desk, but smaller suburban or rural branches often do not. Call your local Chase branch first and ask if they handle currency orders. If they do not, ask which nearby branch does.
You can also use the Chase branch locator on Chase.com and filter for branches with specific services, though the online tool does not always clearly indicate which branches handle currency. Calling ahead is the most reliable way to confirm. When you call, provide the branch address and ask directly: "Do you handle foreign currency orders?"
Alternatives if Chase cannot meet your timeline
If you are leaving in fewer than three days and Chase cannot expedite your order, consider other options. Airport currency exchanges are open extended hours and can provide euros immediately, though their markups are typically higher than Chase's—often 3 to 5 percent or more. You will pay more, but you will have the cash in hand.
ATMs abroad are often the cheapest way to get euros once you arrive in Europe. Your Chase debit card will work at most European ATMs, and you will receive the mid-market exchange rate plus a small ATM fee (usually $2 to $5 per withdrawal). This is almost always cheaper than exchanging cash before you leave, even if you have to pay the fee. If you go this route, notify Chase that you will be traveling so the bank does not block your card for fraud.
Online currency services like Wise, OFX, or DKB also offer euros, sometimes at rates better than Chase. These services deliver currency to your home or allow you to pick it up at a partner location. Delivery times vary from next-day to five business days depending on the service and how much you order.
What to bring when you pick up your euros
Bring a valid government-issued ID—a driver's license or passport. Bring the confirmation number or reference code from your order if Chase provided one. Bring the payment method: either cash, a check, or authorization to withdraw from your Chase account. The branch will verify your identity, confirm the amount, and hand over the euros in physical bills.
Ask the teller to count the euros with you before you leave. Verify that the amount matches your order and that the bills are in denominations you can actually use. If you ordered 500 euros, for example, confirm you are not receiving all 100-euro notes if you prefer smaller bills for daily spending.
Frequently Asked Questions
Can I order euros online through Chase.com?
Chase does not allow you to order foreign currency through its website. You must call the foreign exchange department or visit a branch in person to place an order. This is a security measure to prevent fraud and ensure proper verification of your identity.
What if I need euros after Chase closes for the day?
You cannot get euros from Chase after business hours. If you need cash urgently, airport currency exchanges operate 24 hours or near 24 hours at major airports. They charge higher markups than Chase, but they are available when banks are closed.
Does Chase charge a fee if I cancel my euro order?
Chase typically does not charge a cancellation fee if you cancel before the euros arrive at the branch. Once the currency is in hand and you have picked it up, you cannot return it for a refund. Confirm the cancellation policy when you place your order.
Can I order euros for someone else?
No. The person whose name is on the Chase account must pick up the euros in person with a valid ID. Chase will not release foreign currency to anyone else, even with a power of attorney, due to anti-fraud rules.
What if the exchange rate drops after I place my order but before I pick up?
The rate you receive is locked in when you place the order, not when you pick it up. If the rate drops between order and pickup, you still receive the rate you were quoted. If the rate rises, you still pay the quoted rate—you do not pay more.