Chase EUR bank account review & alternatives
Chase is a very popular US bank for personal and business services – but it does not have euro (EUR) account services for individual or small business customers. Chase does offer some commercial products for large business needs which cover EUR – but if you’re thinking of an account for day to day payments, you’ll need to look at different providers.
This guide is here to help. We’ll explore some alternatives to Chase which could suit individuals, small businesses and freelancers, such as Wise and Revolut, so you can decide what may suit your specific needs best.
Quick summary: Alternatives to Chase EUR account in the US
Chase does not have any EUR account services for individuals or small business owners. There are options for commercial banking delivered through JP Morgan which do support euro services, but these are for very large business purposes only. If you’d prefer a euro account which you can use to manage your daily finances you’ll need an alternative.
In this guide we’ve picked out several different options, depending on whether you need a euro account for personal or business use, and whether you’d prefer a digital account from a specialist or a product from a global bank. Here’s a quick head to head comparison of the providers we selected – and there’s much more coming up later.
| Providers | 🌎 Supported currencies | 💰 Account and card fees | 💡 Limits to know |
|---|---|---|---|
| Wise (personal and business) | 40+ supported currencies for holding and exchange | One time fee to open business account No ongoing account fees One time card order fee* | High payment limits, usually around 1 million GBP (1.35 million USD) Card spend and withdrawal monthly limits apply |
| Revolut (personal and business) | 25+ supported currencies for holding and exchange | 0 USD – 16.99 USD monthly fee for personal customers 10 USD – 140 USD monthly fee for personal customers | Withdrawal limits from 550 USD/day, depending on account status Monthly card spend limits apply |
| HSBC (personal only) | 8 supported currencies for holding and exchange | No ongoing fee for this account – fees may apply to your underlying checking account | Variable limits which are available in app Account does not offer a debit card |
| Airwallex (business only) | 20+ supported currencies for holding and exchange | 0 USD – 99 USD monthly fee depending on account type | Usually no holding limit Variable limits on transfers, which are available in app |
| Payoneer (business only) | 9 supported currencies for holding and exchange | No ongoing fees | Set your own daily and monthly card limits Variable limits on transfers, which are available in app |
*Details correct at time of research – 3rd October 2025. *About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.
About Chase EUR account
Chase does not have a euro account for personal and small business use. Chase accounts in the US are generally USD denominated. While you can use your account to spend overseas with your Chase card, or to send an international wire, you can’t hold a balance in euros or receive a EUR payment without it being converted to USD.
Chase does offer some international treasury services for commercial clients, which cover EUR accounts. However, these are intended for large businesses trading between the US and Europe, with complex FX and payment requirements.
Is the Chase EUR account available in the US?
No. Chase does not offer a euro account in the US for individual and small business customers. You may be able to get a EUR account if you have a very large business – check the details and options with Chase directly if this is what you need.
Chase EUR currency account alternatives
Like many US banks, Chase doesn’t offer foreign currency accounts for individual or small business customers. However, there are specialist services, and global banks operating in the US, which may be able to help you.
In this guide we’ve looked at different account options which may suit varying customer needs – Wise and Revolut for individual and business customers looking for a broad multi-currency account from a specialist service, and HSBC for a bank alternative, plus Airwallex and Payoneer for ecommerce businesses.
We’ve started with a table of features to help you compare the options available – and there’s lots more detail on each provider right after:
| 🌍 Eligibility | 💰 Account fees | 💱 Exchange rates | 🎯 Account limits | |
|---|---|---|---|---|
| Wise (personal and business) | Residents of the US and many other countries – accounts for personal and business use | One time fee to open business account No ongoing account fees* | Mid-market rate | High payment limits, usually around 1 million GBP (1.35 million USD) Card spend and withdrawal monthly limits apply |
| Revolut (personal and business) | Residents of the US and many other countries – accounts for personal and business use | 0 USD – 16.99 USD monthly fee for personal customers 10 USD – 140 USD monthly fee for personal customers | Revolut rate to plan limit – fair usage fees may then apply | Withdrawal limits from 550 USD/day, depending on account status Monthly card spend limits apply |
| HSBC (personal) | US residents with an HSBC Premier checking, Savings, or Relationship Savings account | No ongoing fee for this account – fees may apply to your underlying checking account | HSBC exchange rate which may include a markup | Variable limits which are available in app Account does not offer a debit card |
| Airwallex (business) | Owners of eligible US registered businesses | 0 USD – 99 USD monthly fee depending on account type | 0.5% or 1% currency conversion fee applies, depending on currency | Usually no holding limit Variable limits on transfers, which are available in app |
| Payoneer (business) | Owners of eligible US registered businesses | No ongoing fees | 0.5% currency conversion fee applies | Set your own daily and monthly card limits Variable limits on transfers, which are available in app |
*Details correct at time of research – 3rd October 2025. *About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information
Wise EUR Account
| 💡 Great for: Personal and business customers looking for no ongoing fees, mid-market rates and 40+ supported currencies |
Wise offers services for both personal and business customers in the US, with accounts that hold EUR, USD and 40+ other currencies. Accounts come with the option of a linked physical and virtual debit card – the Wise Multi-Currency Card’ – for spending and withdrawals, making this a good choice for day to day and travel use.
Wise offers local account details to get paid in 8+ currencies, and SWIFT details to get paid in 20+ currencies. This means you can receive payments conveniently to your account. You can also send money to 140+ countries globally, with low fees and fast delivery times.
- Hold and exchange 40+ currencies including USD and EUR
- Order a linked debit card for spending and withdrawals
- Get the mid-market rate with low fees when you convert currencies
- Personal and business accounts available
| Wise is great for: | Wise may not be for you if: |
|---|---|
| ✅ Travelers and people sending payments overseas ✅ Mid-market rate currency exchange ✅ Card spending and withdrawals at home and abroad ✅ Ways to send and receive overseas payments conveniently | ❌ You prefer a branch experience ❌ You need to deposit cash |
Wise fees and limits
| Features | 💡 Wise pricing and limits to know: |
|---|---|
| Account fees | Personal accounts are free to open. One time fee to open business account No monthly account fees* |
| Currency conversion | Mid-market rate |
| Supported currencies | 40+ supported currencies for holding and exchange |
| Sending international transfers | Send to 140+ countries, with mid-market rates and low fees |
| Receiving international payments | Receive 20+ currencies with account details |
| Limits | High payment limits, usually around 1 million GBP (1.35 million USD) Card spend and withdrawal monthly limits apply |
| Linked debit cards | One time card order fee applies |
| Is Wise regulated in the US? | Wise is registered and regulated as a money transmitter in many US states, and in others offers services through Community Federal Savings Bank |
*Details correct at time of research – 3rd October 2025. *About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information
🇪🇺 More information: How to open a euro account with Wise
Revolut EUR Account
| 💡 Great for: Choice of different account tiers for personal or business use, supporting EUR and 25+ other currencies |
Revolut offers a choice of different account tiers, including a personal account which has no monthly fee to pay.
This allows you to choose a more basic account with no ongoing costs, or trade up to an account with monthly fees which offers additional features and higher levels of no fee transactions monthly before any fair usage fees begin.
All accounts offer linked debit cards, and ways to hold 25+ currencies. You can also receive other currencies to your account and send global payments easily.
- Choose different account tiers depending on how you’ll use your account
- All accounts offer a debit card and some no fee transactions monthly
- Receive payments in USD and GBP with local information, and other currencies using SWIFT
- Personal and business services available
| Revolut is great for: | Revolut may not be for you if: |
|---|---|
| ✅ Choosing different account types depending on usage ✅ 25+ supported currencies for receiving, holding and exchange ✅ No fee transactions to plan limit every month ✅ Comprehensive business account options | ❌ You need to transact more frequently and incur fair usage fees ❌ You want a business account with no ongoing fees |
Revolut fees and limits
| Features | 💡 Revolut pricing and limits to know: |
|---|---|
| Account fees | 0 USD – 16.99 USD monthly fee for personal customers 10 USD – 140 USD monthly fee for personal customers |
| Currency conversion | Revolut rate to plan limit – fair usage fees may then apply |
| Supported currencies | Hold and exchange 25+ currencies |
| Sending international transfers | Send to many countries globally with variable fees |
| Receiving international payments | Receive with local details in USD and GBP, or SWIFT details in 25 currencies. No Revolut fees apply, but third party costs may be deducted |
| Limits | Withdrawal limits from 550 USD/day, depending on account status Monthly card spend limits apply |
| Linked debit cards | All accounts offer a linked debit card, but the features of your card depend on the account type |
| Is Revolut regulated in the US? | Revolut is registered in the US and offers services through different partners, depending on the specific service in question |
*Details correct at time of research – 3rd October 2025.
HSBC EUR Account
| 💡 Great for: HSBC US customers who need a way to hold and send foreign currency payments in EUR and 7 other currencies |
HSBC US offers a Global Money Account for customers who have Premier status. This is an app based account which can hold 8 currencies, intended for people who need to hold a foreign currency balance for making payments. The account does not offer a debit card, making this less suited to travel use.
To apply for this account you must already have Premier status with HSBC which requires you to meet certain eligibility criteria. You may need to deposit 5,000 USD monthly, or have a balance of 100,000 USD or more with HSBC investments and deposits for example.
- No ongoing fees for the Global Money Account
- Ways to send global payments to HSBC and other banks
- Supports 8 currencies for holding and exchange
- Large bank with a full suite of banking services
| HSBC is great for: | HSBC may not be for you if: |
|---|---|
| ✅ Existing HSBC Premier customers ✅ Storing EUR and other currencies for future payments ✅ Managing your foreign currency in app ✅ Add on services like global payments | ❌ You don’t hold HSBC Premier status ❌ You want an international debit card |
HSBC fees and limits
| Features | 💡 HSBC pricing and limits to know: |
|---|---|
| Account fees | You must meet eligibility criteria which can include holding a 100,000 USD minimum deposit No ongoing fee for this account – fees may apply to your underlying checking account |
| Currency conversion | HSBC exchange rate which may include a markup |
| Supported currencies | 8 currencies supported |
| Sending international transfers | Send to other HSBC accounts, and to external bank accounts in 200 countries |
| Receiving international payments | Receive deposits from your linked HSBC accounts only |
| Limits | Variable limits which are available in app |
| Linked debit cards | Account does not offer a debit card |
| Is HSBC regulated in the US? | Yes, HSBC is a large and globally regulated business |
*Details correct at time of research – 3rd October 2025.
While some providers like Wise and Revolut offer euro accounts for both personal and business customers, others such as Airwallex and Payoneer offer their accounts for business customers only. Here is an overview of their euro business accounts in the US:
Airwallex EUR Account
| 💡 Great for: Business account ideal for ecommerce companies, with multi-currency support and ways to take customer card payments |
Airwallex is a popular provider of business accounts and services, including corporate cards and payments. While Airwallex can be useful to many different types of business, it’s especially popular with businesses trading online as you can take customer card payments, or receive bank payments in 20+ currencies. This offers great flexibility for connecting with global customers.
There are 3 different Airwallex plans which you can choose from, including one with no ongoing fees allowing you to test the services with relatively low risk.
- 20+ supported currencies for receiving, holding and exchange
- Options to take customer card payments easily
- Unlimited corporate cards available
- Different plans for businesses of varying sizes
| Airwallex is great for: | Airwallex may not be for you if: |
|---|---|
| ✅ eCommerce businesses taking global card payments ✅ Freelancers thorough to established business owners ✅ Corporate cards which offer rebates on USD business spending ✅ Free local transfers to 120+ countries | ❌ You need personal account services ❌ Your business needs to deposit cash |
Airwallex fees and limits
| Features | 💡 Airwallex pricing and limits to know: |
|---|---|
| Account fees | 0 USD – 99 USD monthly fee depending on account type |
| Currency conversion | 0.5% or 1% currency conversion fee applies, depending on currency |
| Supported currencies | 20+ supported currencies for holding and exchange |
| Sending international transfers | Free local payments to 120+ countries, options to send SWIFT transfers for 15 USD – 25 USD |
| Receiving international payments | Receive in 20+ currencies with local details, and no Airwallex fee |
| Limits | Usually no holding limit Variable limits on transfers, which are available in app |
| Linked debit cards | Unlimited free debit cards available |
| Is Airwallex regulated in the US? | Licensed to do business in most states – in some places and product areas, Airwallex offers services through partnerships with other banks and providers |
*Details correct at time of research – 3rd October 2025.
Payoneer EUR Account
| 💡 Great for: Broad business services for freelancers and larger companies, supporting 9 currencies with extras like loans and working capital |
Payoneer offers services for freelancers through to more established businesses who need workforce management, loans and other advanced support. All accounts can be used to receive, hold and exchange 9 major currencies, and you can get paid through marketplaces like Amazon, and platforms like Stripe, easily.
There’s no ongoing fee with Payoneer, and you can pick and choose the services you need to pay as you go.
- 9 supported currencies for receiving, holding and exchange
- Take payments online and through marketplace and payment platforms
- No ongoing account fees
- Working capital and loans offered
| Payoneer is great for: | Payoneer may not be for you if: |
|---|---|
| ✅ Online businesses and freelancers ✅ Taking a variety of customer payments online and through third parties ✅ Extras like loans and working capital ✅ Send payments to suppliers and for tax, in many countries globally | ❌ You need a personal account ❌ You need to take in person payments |
Payoneer fees and limits
| Features | 💡 Payoneer pricing and limits to know: |
|---|---|
| Account fees | No ongoing fees |
| Currency conversion | 0.5% currency conversion fee applies |
| Supported currencies | 9 supported currencies for holding and exchange |
| Sending international transfers | Fees vary depending on the payment type and currency |
| Receiving international payments | Receive in 9 currencies with local details, often with no Payoneer fee |
| Limits | Set your own daily and monthly card limits Variable limits on transfers, which are available in app |
| Linked debit cards | 29.95 USD fee for first card, annually |
| Is Payoneer regulated in the US? | Yes. Payoneer is a licensed money transmitter in 51 states and territories |
*Details correct at time of research – 3rd October 2025.
📚💼 Related article: How to open a business bank account in Europe.
How to open an EUR bank account with Chase
If you’re an individual customer, or applying for a small business, you won’t be able to open a EUR account with Chase in the US.
Chase offers euro account services for large, complex organisations only, through its commercial service arm at JP Morgan.
📚 Guide: How to open a euro bank account in the US
When is a EUR bank account needed?
A euro account can be handy for anyone who needs to send, spend, hold, receive or exchange EUR.
There are different EUR accounts on the market targeted to different customer types, including specialist individual and business products.
👥 As a personal customer you may want a multi-currency account and card to use when you travel to Europe, or for online spending in EUR. You can also use some EUR accounts to receive payments in euros without needing to convert your funds back to USD – handy if you get paid in euros and like to travel there from time to time for example. EUR accounts can also be very helpful if you’re sending money to Europe to cover study costs or overseas bills.
💼 Business customers can also benefit from a EUR account if they have customers, suppliers or contracts in Europe. In this case, a euro account can be helpful for receiving customer payments and for sending money to contractors, team members and suppliers. By holding a balance in euros, you can avoid unnecessary currency exchange, and cut out some of the costs and risks involved with fluctuations in the currency exchange rates.
If you are looking to receive a euro payment with Chase, this guide might be helpful: How to receive an international wire transfer with Chase
Are EUR accounts safe to use?
Euro accounts from major banks and reputable specialist services are safe to use. You will usually find your account has lots of security features allowing for safe use, like 2 factor authentication and automatic and manual anti-fraud teams working 24/7 to prevent scams or improper account use.
Check your preferred provider has strong security features – you can usually find details on their website or by opening a chat in their app and asking for more information.
Conclusion
As the world is increasingly globally connected, having a euro account in the US makes sense for many people. Whether it’s for personal use when you travel, or to allow you to do business more easily in Europe, a EUR account can help minimize the currency conversion fees you pay, and balance your finances more easily across currencies.
Unless you’re looking for complex treasury management services for a large organisation, Chase can’t help you with a EUR account. However, there are some other great options available on the US market which may be a good fit.
Check out Wise and Revolut for example, for flexible accounts for individual and business customers which you can use for EUR and many other currencies, with dedicated international debit cards, payment services and ways to get paid from abroad.
📚💶 Learn more: Best euro accounts in the US
Chase EUR Account FAQs
Does Chase offer EUR accounts?
Chase does not offer EUR accounts to individual customers, or for small businesses. The only marketed EUR services are aimed at large commercial enterprises which need treasury management. Check out alternatives like Wise and Revolut if you want a straightforward way to transact in EUR with great exchange rates and low fees.
Can I deposit EUR into my Chase account?
No. If you have euros in cash you can not deposit it directly into your standard Chase account. Chase accounts usually can accept deposits of USD only. If you need to convert your money at Chase, this guide might be helpful: Currency exchange with Chase.
Does Chase charge international fees?
Yes. Chase charges international fees for some services like overseas card spending and wire transfers. The costs do vary depending on the account you hold, so you’ll need to review your own account’s terms and conditions to learn more.
