How to order euros from Capital One

Capital One® is a popular banking provider for US travelers. Access a range of travel rewards cards or spend money abroad without foreign transaction fees.¹

You can use Capital One to exchange your US dollars for euros before you travel to Europe. We take a look at everything you need to know, including exactly how to make your euro order and any fees or costs you need to understand.

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Can you order euros from Capital One?

You can order euros from Capital One, but you’ll need to give your local branch enough advance notice to get cash for your exchange.

You’ll need to reach out to your branch by telephone to place your order – and you may need to collect your euros in person.²

There are less than 300 Capital One branches across the US, so this may not be convenient if you don’t have a branch near you³ – and it’s important to remember that some banks may be closed on federal holidays.⁴

Instead of exchanging cash before you go abroad, it may be easier to use a foreign ATM. You can use your Capital One Checking account to withdraw cash from 70,000 ATMs for free – and you won’t pay foreign transaction fees.⁵

You can also access a range of travel rewards cards from Capital One. For example, frequent travelers can use the Venture X card to earn miles, avoid foreign transaction fees, and gain access to Global Entry® or TSA PreCheck® credit. However, this card comes with a 395 USD annual fee.⁶

Using your travel card or checking account overseas could be a simpler, safer option than carrying large sums of cash while you travel.

How to order euros from Capital One: step-by-step

It’s easy to order euros from Capital One, but you’ll need to do a bit of preparation. We’ve put together a step-by-step guide to ordering your holiday cash.

Step 1. Call your local Capital One branch to start your order. You’ll need to do this at least 2 to 3 days before exchanging your dollars

Step 2. Tell your bank how much you want to exchange and the currency you need. At this stage, you can also ask how much it’ll cost and get further advice and support about your transaction

Step 3. Finally, you’ll need to wait for your cash to be delivered to your local branch. Pick up your euros on the date given by your bank

Make sure to reach out to your local Capital One branch before converting currency, as each bank may have different criteria or guidance for placing your euro order.²

Costs and fees of ordering euros from Capital One

If you want to order euros from Capital One, there are a few fees and costs to understand.

Capital One doesn’t charge foreign transaction or currency conversion fees for payments outside the US or in different currencies.⁷

However, you’ll still need to exchange your money from US dollars to euros – and you may not know exactly how much this will cost until you come to make your transaction.

What's Capital One’s exchange rate?

Capital One uses MasterCard®, which means the bank may use the MasterCard exchange rate for euro orders.⁸

When exchanging currencies, it’s important to look out for the mid-market rate. This is the exchange rate that's closest to representing a currency's actual value – but many banks and card providers add a substantial markup to make money from your transaction.

You may not know exactly how much it will cost to convert your US dollars into euros. Mastercard’s information about conversion costs is indicative only – and the amount you’ll pay could depend on when you complete your exchange.⁹

As of 22 May 2024, the MasterCard exchange rate is 1 USD = 0.922424 EUR. If you convert 100 USD, you’ll receive 92.24 EUR.⁹

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Ordering euros from Capital One FAQ

Let’s take a look at some common questions about ordering euros from Capital One.

How long does it take to receive euros ordered from Capital One?

When placing your order, your local Capital One branch will tell you when you can pick up your money. Depending on how much you need, **you should be able to get your cash within 2 to 3 days of calling your bank.**²

If you need immediate funds or you have certain time restrictions, speak to your teller for more information.

What are the limits of ordering euros with Capital One?

There are some limits to ordering euros with Capital One. You’ll need to call your local branch to make your order and you’ll need to pick up your cash in person.

There are less than 300 Capital One branches in the US, so choosing a different exchange provider – or paying by card abroad – may be more convenient.

Can you order euros online or do you need to visit a branch?

No, you’ll need to call your local branch to order euros – and you may need to collect your cash in person.

Are there any restrictions on ordering euros from Capital One?

For large sums of cash, you may want to confirm that your local Capital One branch will be able to process your order before placing it.

Can you pay for your euro order with a credit or debit card?

Most banking providers accept credit and debit card payments, but you’ll need to double-check with Capital One to make sure you can use your chosen payment method.

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If you use Capital One, order euros in advance to save time and money abroad. You won’t need to look for an ATM overseas and you can phone ahead to place your order.

However, you’ll need to collect your cash in person from your local Capital One branch – and it’s important to understand how much you’ll pay to convert your dollars into euros.

To start making payments in person and online in over 40 currencies, check out Wise.

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Sources:

1. Capital One
2. Capital One
3. Bankrate
4. Capital One
5. Capital One
6. Capital One
7. Capital One
8. Capital One
9. Mastercard

Sources checked on 06.19.2024