How to Get Euros from Bank of America Before Your Trip

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You can order euros from Bank of America before your international travel. If you want to know how to order euros, start by checking if you have a checking or savings account with Bank of America. You need one of these accounts to order euros online. You pay for your foreign currency from your linked account. Bank of America offers an easy way to order euros online, and you can choose delivery or pick up at a financial center. Orders under $1,000 have a $7.50 delivery fee. For larger orders or if you are a new customer, you must pick up your order in person. The exchange rate updates daily, so check it before you complete your order.

Key Takeaways

• You must have a Bank of America checking or savings account to order euros online or via the app.
• Orders under $1,000 can be delivered to your home for a $7.50 fee; larger orders or new customers must pick up euros at a branch.
• Bank of America charges a markup on exchange rates and updates rates daily, so check rates before ordering.
• Plan your order at least one week before your trip to allow time for processing and delivery or pickup.
• Compare Bank of America’s rates and fees with other providers to get the best value for your foreign currency.

How to Order Euros

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Before you start, you need to know if you qualify to order euros from Bank of America. The bank has specific rules for who can order currency, how much you can order, and how you can receive your euros. The table below shows the main eligibility requirements:

You must have a checking or savings account with Bank of America to order euros. Credit card-only customers cannot use the online or mobile app options. If you are a new customer or have changed your address recently, you must pick up your order at a branch. For orders of $1,000 or more, you also need to visit a branch for pickup.

Online Banking Steps

You can order euros using Bank of America’s online banking platform. This method is fast and convenient if you already have an account. Here is how to order euros online:

1. Log in to your Bank of America online banking account.
2. Go to the “Foreign Currency” section under the “Transfers & Payments” menu.
3. Select “Order Currency” and choose euros as your desired currency.
4. Enter the amount of euros you want to order. The system will show the current exchange rate and any fees.
5. Choose your delivery option. If your order is under $1,000 and you meet the eligibility, you can select home delivery. Otherwise, select branch pickup.
6. Confirm your shipping address or select your preferred branch for pickup.
7. Review your order details, including the exchange rate and delivery fee.
8. Submit your order. The amount will be deducted from your linked checking or savings account.

Note: You cannot use a credit card to pay for your order. Only eligible accounts can complete the currency exchange process online.

Mobile App Steps

If you prefer using your phone, you can order euros through the Bank of America mobile app. The steps are similar to the online process:

1. Open the Bank of America mobile app and log in.
2. Tap the menu and select “Transfers & Payments.”
3. Choose “Foreign Currency” and tap “Order Currency.”
4. Select euros and enter the amount you want to order.
5. Review the exchange rate and any service fees.
6. Pick your delivery method. If you qualify, you can have the euros shipped to your address. Otherwise, choose branch pickup.
7. Confirm your details and submit your order.

The app will notify you when your order is ready for pickup or when it ships to your address.

In-Branch Process

You can also order euros by visiting a Bank of America financial center. This option is best if you need help or if you do not qualify for online or app orders. Follow these steps:

1. Visit your nearest Bank of America financial center with valid identification.
2. Speak with a banker and tell them you want to order euros.
3. Provide your account information and the amount of euros you wish to order.
4. Pay for your order in cash. Bank of America requires cash payment for in-branch orders.
5. If your order is $1,000 or more, or if you are a new customer or recently changed your address, you must pick up your euros at the branch.
6. Only you, as the account owner or an authorized signer, can collect the foreign currency. Bring your ID for verification.
7. The branch will hold your euros for five business days. If you do not pick up your order in time, the bank will return the currency.

Tip: Bring two forms of identification when you visit the branch. Acceptable primary IDs include a foreign passport or a U.S. visa. Secondary IDs can be a driver’s license or a major credit card. You may also need to provide proof of your address and a foreign tax identification number if you are opening a new account.

Bank of America makes it easy to order euros before your trip. You can use online banking, the mobile app, or visit a branch. Make sure you meet the eligibility requirements and bring the right documents. This will help your order go smoothly and save you time.

Ordering Euros from Bank of America: Costs and Limits

Fees and Charges

When you start ordering euros from Bank of America, you need to understand the costs and fees of ordering euros. The bank charges a $7.50 shipping fee for orders under $1,000. If you order $1,000 or more, you must pick up your euros at a branch, and there is no shipping fee. Bank of America also adds a markup to the exchange rate, which means you pay more than the real market rate. This markup is part of the costs and fees of ordering euros. You cannot pay with a credit card, so the money comes from your checking or savings account. If you use a credit card abroad, you may face a foreign transaction fee, so getting euros before your trip can help you avoid extra charges.

Exchange Rates

Bank of America sets its own exchange rates. The bank considers market conditions, risk, and profit when setting the currency exchange rate. The rate you get is usually less favorable than the mid-market rate you see on Google or from providers like Wise. Wise uses the real mid-market rate and charges low, clear fees. In contrast, Bank of America’s exchange rates include markups and can change daily. You should always check the exchange rate before you finish ordering euros from Bank of America. The rate you see at the time of your order is the rate you get.

Minimum and Maximum Orders

Bank of America has rules for how much you can order. The minimum order for euros is $100. The maximum you can order online for home delivery is $1,000. If you want more than $1,000, you must pick up your order at a branch. The bank also has special steps for large orders or if you are a new customer:

• Orders of $1,000 or more must be picked up at a Bank of America branch.
• If you opened your account less than 30 days ago or changed your address in the last 30 days, you must pick up your order at a branch.
• You must show identification to pick up your euros.
• Only you or an authorized signer can collect the currency exchange order.

These rules help keep your money safe and make sure you get your euros without problems. When ordering euros from Bank of America, always plan ahead and check the limits and requirements.

Delivery and Pickup Options

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When you order euros from bank of america, you can choose how to receive your money. You can pick home delivery or branch pickup. Each option has different rules, fees, and timelines. The table below shows the main differences:

Home Delivery

Bank of america lets you have euros shipped to your home if your order is under $1,000. Your address must match the one on your account, and you cannot use a PO box or personal mailbox. If you place your order before 2 p.m. local time, bank of america ships it the same business day. Standard shipping takes 1 to 3 business days. If you live in Alaska or Hawaii, expect 2 to 3 extra days. You pay a $7.50 fee for orders under $1,000. Orders of $1,000 or more must be picked up at a branch. Bank of america does not ship on weekends or holidays.

Branch Pickup

You can pick up your euros at a bank of america financial center. This is required if your order is $1,000 or more, if you are a new customer, or if you changed your address in the last 30 days. Bank of america holds your order for five business days. Bring a valid ID when you go to the branch. Only you or an authorized signer can collect the euros. If you want overnight shipping to the branch, you pay a $20 fee. Bank of america sends tracking information by email after shipping.

Shipping Times

• Orders placed before 2 p.m. local time ship the same business day.
• Orders placed after 2 p.m. ship the next business day.
• Standard delivery takes 1 to 3 business days.
• Overnight shipping delivers the next business day if ordered before 2 p.m.
• Bank of america does not ship on weekends or holidays.
• Orders for Alaska or Hawaii may take 2 to 3 extra days.

Bank of america offers euros in common denominations, such as €5, €10, €20, €50, and €100 notes. You can ask about available denominations when you order. If you have questions, call bank of america customer service at 1-800-432-1000. The team can help with order status, delivery, or any other concerns.

Tips for Order Foreign Currency

Compare Exchange Rates

You should always compare the exchange rate before you order foreign currency. Bank of america sets its own exchange rate, which may not match the rates you see online. Some banks, like those in Hong Kong, may offer better rates or lower fees. You can check the exchange rate on the bank of america website, but you should also look at other providers. Wise and Revolut show the real market rate, so you can see if bank of america gives you a good deal. If you want to save money, compare the total cost, including any service fees, before you order foreign currency.

Timing Your Order

The exchange rate changes every day. You can get more euros for your dollars if you order foreign currency when the rate is strong. Try to watch the rates for a few days before you order. Bank of america updates its rates daily, so check in the morning and afternoon. If you wait until the last minute, you may pay more or face delays. Plan ahead and order foreign currency at least a week before your trip. This gives you time to pick up your euros or get them delivered.

Alternatives to Bank of America

Bank of america is not your only choice for currency exchange. You can order foreign currency from other banks, like HSBC or Standard Chartered in Hong Kong. Some online services, such as Wise, let you order foreign currency at the real exchange rate and deliver it to your home. You can also use airport kiosks, but they often charge higher fees. If you want to avoid extra costs, compare all your options before you order foreign currency. Always check the exchange rate and total fees to make the best choice for your trip.

You can order euros from bank of america by following a few simple steps. Planning ahead helps you avoid delays and ensures you get your money on time.

• Banks like bank of america need 1 to 3 business days to process orders.
• During busy travel seasons, order a week early for best results.
• Advance planning lets you watch exchange rates and avoid high fees at airport kiosks.

To avoid common mistakes:

1. Do not exchange euros at airports or hotels because rates are worse.
2. Always pay in local currency with your card to avoid extra fees.
3. Use ATMs inside banks for better security and lower costs.

Check all fees and compare rates before you choose bank of america. Careful planning gives you peace of mind and helps you get the best value for your trip.

FAQ

How soon should you order euros before your trip?

You should order euros at least one week before your trip. This gives you enough time for delivery or pickup. Bank of America usually needs 1 to 3 business days to process your order.

Can you choose the denominations of euro notes?

You can request specific denominations when you order. Bank of America tries to meet your request, but availability may vary. Ask about available note sizes when you place your order.

What happens if you do not pick up your euros on time?

Bank of America holds your euros for five business days. If you do not pick them up, the bank returns the money to your account. You may need to place a new order if you still need euros.

Is it safe to have euros delivered to your home?

Bank of America uses secure couriers for home delivery. The package requires a signature. If you miss the delivery, the courier returns the euros to the bank. Always check your address before placing your order.

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