Yes, Chase can order euros for you, but it takes planning and costs money

Chase branches can order euros through their foreign currency exchange service, but you cannot walk in and leave with them the same day. The process takes several business days, involves a fee, and works best if you call ahead. Not every Chase location stocks euros on hand, so availability depends on which branch you use and how much currency you need.

The simplest path is to call your local Chase branch, ask if they have euros in stock, and if not, request an order. You will need to pick up the euros in person at that branch within a set timeframe — usually a week or two. Chase charges a foreign exchange fee on top of the exchange rate itself, which means you pay more than the mid-market rate you might see online.

Key Takeaways

  • Chase can order euros for you, but the process takes several business days and requires a phone call to your branch first.
  • You must pick up the euros in person at the branch where you ordered them; they will not mail them to you.
  • Chase charges a foreign exchange fee in addition to the exchange rate, so the cost is higher than rates you see quoted online.
  • If you need euros urgently or want a better rate, a currency exchange shop or your credit union may be faster or cheaper.
  • Ordering euros through your Chase checking or savings account does not require a special account type.

How to order euros through Chase

Call the branch where you hold your account and ask to speak with someone in the foreign currency department, or ask for the branch manager. Tell them how many euros you need and when you plan to travel. They will check whether euros are in stock and, if not, place an order with Chase's currency supplier.

Chase will confirm the exchange rate and fee before finalizing the order. You will need to have funds in your account to cover the cost — Chase deducts the money when you pick up the euros, not when you order them. Write down the confirmation number and the pickup date the branch gives you.

On the pickup date, go to the branch in person with a photo ID and your confirmation number. The teller will count out your euros and give you a receipt. Keep the receipt until you return home in case you need to exchange unused euros back to dollars.

What the foreign exchange fee covers

The foreign exchange fee is how Chase makes money on currency orders. It is added to the mid-market exchange rate — the rate banks use to trade with each other — so you pay more per euro than that rate shows. The fee varies by branch and by how much currency you order, but it typically ranges from 1% to 3% above the mid-market rate.

This means if the mid-market rate is 1 euro = $1.10, Chase might charge you 1 euro = $1.12 or $1.13. The difference adds up quickly on large orders. Before you commit, ask the branch what rate and fee they will charge you, and compare it to what you would pay through a currency exchange shop or your credit union if you have one.

When Chase may not have euros in stock

Smaller Chase branches or branches in areas with less international travel may not keep euros on hand. If your branch does not stock them, Chase can order euros from a supplier, but this takes 3 to 7 business days. If you are leaving in two days, this will not work.

Branches in major cities and near airports are more likely to have euros available when ready or to be able to order them quickly. If your local branch cannot help you in time, ask if they can transfer euros from another branch, or ask for a referral to a branch that stocks them.

Alternatives if Chase cannot help in time

If you need euros faster than Chase can deliver, a currency exchange shop — often found in airports, downtown areas, or tourist districts — may have euros in stock and can exchange them the same day. The fee is usually higher than Chase's, but the speed may be worth it.

If you belong to a credit union, call and ask whether they offer foreign currency exchange. Some credit unions have partnerships with currency suppliers and can order euros faster or at a lower fee than Chase. You can also use a travel money card or prepaid card that lets you load euros before you travel, though these have their own fees and exchange rates.

What to bring and what to expect at pickup

Bring a photo ID (driver's license, passport, or state ID) and your confirmation number. The teller will verify your identity, count out the euros in front of you, and give you a receipt showing how many euros you received and what you paid. Check the count before you leave the branch.

Ask the teller whether Chase will buy back unused euros when you return. Most branches will, but the rate they offer for buying back is usually worse than the rate you paid to buy them. If you have only a small amount left, it may not be worth exchanging back.

Frequently Asked Questions

Can I order euros online through Chase's website?

No. You must call your branch or visit in person to order euros. Chase does not let you order foreign currency through their online banking portal or mobile app. Calling ahead is the fastest way to start the process.

What if I need euros for a business transaction, not travel?

Chase can still order them for you using the same process. Tell the branch why you need them so they understand the amount and timeline. Business customers may have access to different rates or services, so ask whether your account type qualifies for any discounts.

Do I have to be a Chase customer to order euros?

Yes. You must have a Chase checking or savings account to order foreign currency through the bank. If you do not have an account, you can use a currency exchange shop instead, though you may pay a higher fee.

What happens if the exchange rate changes between when I order and when I pick up?

The rate is locked in when you place the order, not when you pick up the euros. This protects you from rate changes while you wait. If the rate moves in your favor, you do not get the benefit — you pay the rate that was quoted to you.

Can Chase order other currencies besides euros?

Yes. Chase can order most major currencies, including British pounds, Japanese yen, Canadian dollars, and others. The process is the same: call your branch, request the currency, and pick it up in person. Availability and fees vary by currency.