Yes, Chase can order euros for you, but you need to plan ahead and understand the costs

Chase Bank can order euros through its foreign exchange service, but it is not as straightforward as walking in and exchanging dollars on the spot. You place an order at a branch, wait several business days for the euros to arrive, and pay a conversion rate that includes Chase's markup — typically 1 to 2 percent above the mid-market rate. The process works best if you know your trip date in advance and can order at least a few days early.

Not every Chase branch handles foreign exchange orders the same way. Some larger branches process them in-house; smaller branches may need to order from a regional hub. Calling ahead to confirm your branch can order euros and how long it will take saves a wasted trip.

Key Takeaways

  • Chase orders euros through its foreign exchange desk, but the process takes three to five business days and requires advance notice.
  • You pay Chase's conversion rate, which includes a markup above the mid-market rate, plus a flat fee that varies by branch.
  • Smaller Chase branches may not stock euros and will order from a regional center, adding to the wait time.
  • Calling your branch before you visit confirms whether they can order euros and how many days the order will take.
  • ATM withdrawals abroad and travel cards often cost less than ordering euros in advance, depending on your bank's foreign transaction fees.

How the ordering process works at Chase

You start by visiting a Chase branch in person or calling the foreign exchange desk. Tell them how many euros you need and when you are traveling. The branch takes your order and places it with Chase's foreign exchange supplier. The euros then ship to your branch, usually arriving within three to five business days — sometimes longer if you order near a weekend or holiday.

When the euros arrive, Chase calls you to pick them up. You pay the conversion rate in effect on the day you pick up the currency, not the day you ordered it. This means the rate can shift between order and pickup, sometimes in your favor and sometimes against it. You also pay any applicable fees, which vary by branch but typically range from $5 to $15 for the transaction.

You need a Chase checking or savings account to order foreign currency. If you do not have an account, some branches will still help you, but policies vary — calling ahead is the safest approach.

What the conversion rate includes and what it costs

Chase's euro rate is not the mid-market rate you see on financial websites. The mid-market rate is what banks pay each other; Chase adds a markup to cover its costs and profit. That markup is typically 1 to 2 percent, meaning if the mid-market rate is 1.10 dollars per euro, you might pay 1.1210 to 1.1220 dollars per euro.

On top of the conversion markup, you pay a flat fee for the transaction itself. This fee is not standardized across all Chase branches and can range from $5 to $15 depending on location and the amount you are exchanging. Ask your branch for the exact fee before you commit to the order.

If you are exchanging a large amount — say, $2,000 or more — the percentage markup may be slightly lower, but the flat fee usually stays the same. For smaller amounts, the fee represents a larger percentage of your total cost.

Timing and planning for your trip

The three- to five-day wait is the main reason to order euros early. If you are leaving in two days, Chase may not be able to fulfill your order in time. Some branches keep a small stock of euros on hand for same-day or next-day pickup, but this is not may provide and depends on recent demand.

Ordering at least one week before your trip gives you a comfortable buffer. It also lets you lock in your rate before any market movement, though you will not actually pay until you pick up the currency. If your travel plans change and you no longer need the euros, you can usually cancel the order before it ships, but once it arrives at your branch, returning it may involve a restocking fee or a less favorable rate.

Comparing Chase euros to other ways to get foreign currency

Ordering euros at Chase is not always the cheapest option. Here are the main alternatives:

ATM withdrawals abroad: Using a Chase ATM or a partner ATM in Europe often costs less than ordering euros in advance. Chase charges a $5 foreign ATM fee per withdrawal, but you avoid the conversion markup and the flat ordering fee. If you withdraw euros multiple times, the fees add up, so this works best if you make one or two large withdrawals.

Travel cards: Some financial institutions offer prepaid travel cards that you load with dollars before you leave. These cards often have lower foreign transaction fees than Chase's standard debit card (which charges 3 percent on foreign purchases). However, travel cards have their own fees for loading and ATM withdrawals, so compare the total cost for your specific trip.

Credit card purchases: If you have a Chase credit card with no foreign transaction fee, using it to pay for hotels, meals, and attractions abroad avoids the currency exchange cost entirely. You only exchange dollars for euros when you need cash, and you can do that at an ATM.

For a one-week trip where you need some cash but plan to use cards for most purchases, an ATM withdrawal or two usually costs less than ordering euros in advance. For longer trips or if you prefer to carry most of your spending money in cash, ordering euros at Chase may be worth the convenience.

What to bring and what to expect at the branch

When you pick up your euros, bring a valid photo ID and your Chase debit card or account number. The branch will confirm the amount, show you the rate and fees, and complete the transaction. You will receive the euros in cash, usually in a mix of bills and coins depending on what you ordered.

If you ordered a large amount, ask the branch how they will package it. Some branches provide a money belt or envelope; others hand over a stack of bills. If you are uncomfortable carrying that much cash, ask whether you can split the order into smaller pickups or whether they can provide a travel pouch.

Frequently Asked Questions

Can I order euros online or by phone without visiting a branch?

Chase requires you to place the order in person at a branch or by calling the foreign exchange desk, but you must pick up the euros in person with a valid ID. You cannot have euros mailed to your home or transferred to another location.

What if my branch does not have euros in stock?

Most Chase branches can order euros from a regional foreign exchange center, but the wait time increases to five to seven business days. Larger branches in major cities are more likely to keep euros on hand. Call ahead to ask whether your branch stocks euros or needs to order them.

Can I return euros I did not use after my trip?

Yes, Chase will buy back unused euros at a rate that is usually less favorable than the rate you paid to buy them. The difference covers Chase's cost to resell the currency. Bring your unused euros and receipt to the branch within a reasonable time after your trip.

Is the rate locked in when I place the order or when I pick up the euros?

The rate is locked in when you pick up the euros, not when you place the order. This means the rate can change between the day you order and the day you pick up, so plan your pickup timing if you are watching the market closely.

Do I need a Chase account to order euros?

Having a Chase checking or savings account makes the process straightforward. If you do not have an account, policies vary by branch — some will still help you, but others may decline. Call your local branch to ask before you visit.