Going on an international trip and need Euros? It's a common need, and while direct "online ordering" of physical cash for delivery might not be the primary way banks operate, Chase offers several convenient methods to access Euros for your travels. This comprehensive guide will walk you through the various options, helping you choose the best fit for your needs.
Thinking of your upcoming European adventure? Great! Let's get those Euros sorted so you can focus on enjoying your trip, not stressing about currency.
Step 1: Understand Your Needs and Chase's Offerings
Before diving into the specifics, consider how you plan to use Euros and how much you'll need. This will help determine the most cost-effective and convenient method. Chase, like most major banks, doesn't directly ship foreign currency to your home in the same way you'd order something from an online retailer. Instead, they facilitate foreign currency access through various channels.
Sub-heading: Why "Online Order" Isn't Always About Physical Delivery
It's important to clarify that when people ask "how to get euros from Chase Bank online," they often mean "how can I manage my Euro currency needs using Chase's online services?" This could involve:
Online wire transfers to a Euro account: If you have a bank account in Europe or are sending money to someone with a Euro account.
Using your Chase debit/credit card abroad: This is perhaps the most common and convenient "online" way to get Euros, as you'll use your card for purchases or ATM withdrawals.
Ordering foreign currency for pickup: While initiated online or by phone, the actual physical Euros are typically picked up at a branch.
Step 2: Utilizing Chase Online for International Wire Transfers (Sending Euros to a European Account)
If your goal is to send Euros to a bank account in Europe, Chase's online wire transfer service is your primary tool. This is ideal for paying for accommodations, services, or sending money to family/friends who have Euro-denominated accounts.
Sub-heading: Initiating an International Wire Transfer
You can generally initiate an international wire transfer through the Chase website or their mobile app.
Log In Securely: Access your Chase Online account or the Chase Mobile® app. Always ensure you're on the official Chase website or using the verified app to protect your financial information.
Navigate to Transfers: Look for a "Pay & Transfer" or "Send Money" section.
Select Wire Transfer: Choose the option for "Wires & global transfers" or similar.
Choose Currency and Recipient: You'll need to specify that you want to send Euros (EUR) and provide the recipient's bank details. This typically includes:
Recipient's Full Name and Address
Recipient's Bank Name and Address
SWIFT/BIC Code: This is a unique international bank identifier.
IBAN (International Bank Account Number): Essential for European transfers.
Amount in Euros: You'll specify the Euro amount you wish to send. Chase will then show you the equivalent USD amount based on their exchange rate.
Review Fees and Exchange Rate: This is crucial. Chase will display the exchange rate they are offering for your transfer. They generally do not charge a Chase fee for sending a wire in foreign currency (FX) if the amount is equivalent to $5,000 USD or more. For amounts less than $5,000 USD, a $5 fee per transfer may apply for foreign currency wires to banks outside the U.S. Always compare this rate to the mid-market rate (which you can find on Google or currency exchange sites) to understand the total cost, including any spread Chase takes on the exchange rate.
Confirm and Send: Double-check all details before confirming the transfer. International wires can take a few business days to process and arrive.
Sub-heading: Important Considerations for Wire Transfers
Limits: Your daily wire transfer limit will be displayed in the app or online when you initiate the transfer.
Guaranteed Rate: Chase may offer a guaranteed exchange rate for a certain period (e.g., 30 minutes) once you start the transfer process.
Information Accuracy: Any error in the recipient's bank details can cause significant delays or even loss of funds. Verify all information meticulously.
Step 3: Using Your Chase Debit and Credit Cards for Euros Abroad
This is arguably the most convenient "online" way to get Euros from Chase while you're actually in Europe. You'll be using your card for point-of-sale purchases or withdrawing cash from ATMs.
Sub-heading: Debit Card Usage for Cash Withdrawals
Your Chase debit card can be used at ATMs in Europe to withdraw Euros directly from your linked Chase checking account.
Locate Compatible ATMs: Look for ATMs that display the Visa or Mastercard logo (depending on your Chase card), as these are widely accepted.
Select Local Currency: When prompted at the ATM, always choose to be charged in the local currency (Euros). If you choose to be charged in USD, the foreign ATM operator will apply their own, often less favorable, exchange rate. This is known as Dynamic Currency Conversion (DCC), and it's best to avoid it.
Be Aware of Fees:
Chase Foreign Exchange Rate Adjustment Fee: Chase charges a Foreign Exchange Rate Adjustment Fee, typically 3% of the withdrawal amount after conversion to U.S. dollars, for debit card transactions and ATM withdrawals made in non-US currency.
Non-Chase ATM Fee: Chase generally charges $5 per withdrawal from non-Chase ATMs abroad.
Local ATM Operator Fees: The foreign ATM operator might also charge their own fee.
Chase Sapphire Banking / Private Client Checking: If you have a premium account like Chase Sapphire℠ Banking or Chase Private Client Checking℠, foreign transaction fees on debit card purchases and ATM fees worldwide are often waived. This is a significant benefit for international travelers.
Sub-heading: Credit Card Usage for Purchases
Using your Chase credit card for purchases in Europe is an excellent way to pay for goods and services without needing physical Euros for every transaction.
Check for Foreign Transaction Fees: Crucially, not all Chase credit cards waive foreign transaction fees. Many Chase credit cards, such as the Chase Freedom Unlimited®, Chase Freedom Flex®, and Disney® Premier Visa®, typically charge a 3% foreign transaction fee on each transaction in USD.
Cards with No Foreign Transaction Fees: If you travel frequently, consider cards like the Chase Sapphire Preferred® or Chase Sapphire Reserve®. These cards explicitly have $0 foreign transaction fees, making them ideal for international travel as they save you 3% on every purchase.
Dynamic Currency Conversion (DCC): Similar to debit cards, when making a purchase, always opt to be charged in Euros. Avoid being charged in USD by the merchant, as their exchange rate will likely be less favorable.
Step 4: Ordering Physical Euros for Pickup (If Available and Preferred)
While direct online delivery of foreign currency isn't a standard Chase service, some banks allow you to order foreign currency online or by phone for pickup at a local branch. The availability of this service and the range of currencies can vary.
Check Chase's Specific Policy: It's essential to directly confirm with Chase whether they offer foreign currency orders for pickup. This can often be done through their website, by calling their customer service, or by visiting a branch.
Initiate Order (if available): If the service is offered, you'll likely be able to place an order specifying the amount of Euros you need. You might be able to choose specific denominations (e.g., small, large, or mixed notes), subject to availability.
Understand Exchange Rates and Fees: When ordering physical currency, the exchange rate offered by the bank will include a markup. There might also be order fees or minimum/maximum order amounts.
Schedule Pickup: You'll typically be given a date and time to pick up your Euros at a designated Chase branch. You'll need valid identification.
Sub-heading: Why Physical Cash Might Still Be Useful
While cards are convenient, having some physical Euros on hand upon arrival can be beneficial for:
Small purchases (e.g., coffee, snacks, local transport tickets)
Tipping in some countries
Emergencies where card payments aren't accepted
Initial expenses before you find an ATM or reliable card reader.
Step 5: Essential Preparations Before You Travel
Regardless of how you plan to get your Euros, a few preparatory steps with Chase are crucial for a smooth trip.
Sub-heading: Informing Chase of Your Travel Plans (No Longer Required)
Good News! Chase has advanced its fraud detection technology, and it is no longer necessary to notify Chase of your travel plans before using your credit or debit cards internationally. This simplifies the process greatly.
Keep Contact Information Updated: While travel notices aren't needed, ensure your contact information (phone number, email) is current with Chase. This allows them to reach you if they need to confirm a suspicious transaction.
Sub-heading: Understanding Exchange Rates and Fees
Chase Exchange Rates: Chase, like other banks, uses a wholesale interbank rate for currency conversion but then applies a retail exchange rate that includes a markup. This is how they make a profit on currency exchange.
Mastercard/Visa Exchange Rates: For debit and credit card transactions, Chase typically uses the Mastercard or Visa exchange rate, to which they add their foreign exchange rate adjustment fee (often 3% if not waived by your card type). You can often check these base rates on the Mastercard or Visa websites.
Hidden Costs: Be vigilant about Dynamic Currency Conversion (DCC) at ATMs or point-of-sale terminals. Always choose to pay in the local currency (Euros) to avoid unfavorable exchange rates set by the merchant or ATM operator.
Step 6: Alternative Ways to Get Euros (Not Directly Chase Online, but Related to Chase Cards)
While this guide focuses on Chase, it's worth mentioning other ways to acquire Euros that might complement your Chase strategy.
Sub-heading: Travel Money Cards/Prepaid Cards
While Chase doesn't typically offer specific "Euro prepaid cards" like some dedicated travel money providers, these can be an alternative if you want to budget strictly or limit exposure from your main bank account. However, they often come with their own set of fees and less favorable exchange rates.
Sub-heading: Exchanging Currency at Airports or Exchange Bureaus
Generally not recommended for the best rates. Airport exchange kiosks and independent exchange bureaus often have significantly worse exchange rates and higher fees compared to bank rates or ATM withdrawals. Use them only as a last resort for small amounts if absolutely necessary.
10 Related FAQ Questions
How to check Chase's foreign exchange rates online?
You can typically find indicative foreign exchange rates on the Chase website within the "Pay & Transfer" or "Global Transfers" sections if you're looking to send a wire. For debit and credit card transactions, Chase often uses the Mastercard or Visa exchange rate plus their own foreign exchange rate adjustment, which you can generally find detailed in your card's terms and conditions or on the respective card network's website.
How to avoid foreign transaction fees with Chase?
To avoid foreign transaction fees, use a Chase credit card that explicitly states it has no foreign transaction fees (e.g., Chase Sapphire Preferred®, Chase Sapphire Reserve®). For debit card usage, consider accounts like Chase Sapphire℠ Banking or Chase Private Client Checking℠, which often waive foreign transaction fees and ATM fees worldwide.
How to report a lost or stolen Chase card while abroad?
Immediately call Chase's international customer service number (available on the back of your card or on their website) or use the Chase Mobile® app to lock your card. You can usually find the appropriate number for international calls without charge.
How to increase my daily ATM withdrawal limit with Chase for international travel?
Daily ATM withdrawal limits are generally set by Chase and vary by account type. While you can't typically "increase" them on the fly, having a premium account like Chase Sapphire Checking or Private Client Checking may come with higher limits. For significant cash needs, consider making multiple withdrawals over several days or using a combination of cash and credit card for purchases.
How to use the Chase Mobile app to manage international transactions?
The Chase Mobile app allows you to monitor your account activity in real-time, view transactions, set up alerts, and, for wire transfers, initiate and track payments. You can also temporarily lock your card if you suspect fraudulent activity.
How to ensure my Chase debit card works in Europe?
Ensure your card is activated before you travel. While Chase no longer requires travel notifications, keeping your contact information updated with them is wise. Most importantly, ensure you have sufficient funds in your linked checking account.
How to get the best exchange rate when using Chase cards abroad?
Always choose to pay or withdraw cash in the local currency (Euros) when prompted at an ATM or point-of-sale terminal. This ensures the exchange rate is determined by Visa/Mastercard and Chase, rather than a potentially unfavorable rate from the local merchant or ATM operator (Dynamic Currency Conversion).
How to track an international wire transfer from Chase?
You can typically track the status of your international wire transfer directly within the Chase Online banking portal or the Chase Mobile® app after you've initiated it.
How to find a Chase ATM in Europe?
Chase does not have a large ATM network in Europe. Your Chase card will primarily work at ATMs that are part of the Visa or Mastercard networks (depending on your card). Use the Visa or Mastercard ATM locator tools online to find compatible ATMs in your destination.
How to contact Chase customer service from outside the U.S.?
Chase provides specific international phone numbers for customer service. These numbers are usually toll-free from many countries. You can find these numbers on the back of your Chase card or on the "Contact Us" section of the Chase website.
