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Best Way to Buy Euros in the US
Best Way to Buy Euros in the US: Expert Guide (2026)
If you’re traveling to Europe, sending money overseas, or preparing for an international purchase, finding the best way to buy euros in the US can save you real money and stress. With fluctuating exchange rates and hidden fees, choosing the right method is just as important as the rate itself.
In this definitive guide, we break down every major option like banks, online exchanges, travel cards, ATMs, and more, so you can confidently choose the most cost-effective and secure way to get euros. We also explain common pitfalls, smart timing, and insider tips professional travelers use. Let’s begin.
Why Getting the Right Euros Matters
At first glance, exchanging money seems simple, but here’s the catch:
Most physical exchange services add hidden markups to the exchange rate.
Airport kiosks and hotels often charge poor rates and high fees compared to alternatives.
Some methods like credit cards quietly tack on fees or bad conversion choices (e.g., Dynamic Currency Conversion).
Because of this, choosing the best way to buy euros in the US isn’t just about convenience, it’s about protecting your travel budget.
What Drives Cost When Buying Euros
Understanding these core cost drivers helps you make smarter decisions.
1. Exchange Rate Spread
The spread is the difference between the market (mid-market) rate and what the provider gives you. Even if fees seem low, a wide spread can cost you more. Always compare offered rates to the live mid-market rate you see on currency tracking sites like XE or Reuters.
2. Service Fees
Some banks charge service or shipping fees for currency delivery. Others add markup into the exchange rate instead of a flat fee.
3. Convenience vs Cost
Airport kiosks are easy but expensive. Banks and online providers may take more time but cost significantly less.
Best Ways to Buy Euros in the US
Here’s a breakdown of today’s most cost-effective and trusted methods:
1. Online Multi-Currency Accounts & Travel Cards — Best All-Around
What It Is: Platforms like Wise or Revolut let you hold and convert multiple currencies, including euros, inside an app.
How It Works:
Open an account and verify identity.
Add USD to your balance.
Convert to euros at transparent rates, usually very close to the market rate with low fees.
Pros
Transparent exchange rates, often within 0.5–1% of mid-market.
Convert and spend like locals using the travel card.
No need to carry large amounts of cash.
Cons
May take a few days to receive a physical card if ordered.
Some minor monthly limits on fee-free ATM use.
This is one of the best ways to buy euros in the US if you want low cost and flexibility.
2. Major US Bank Currency Services — Safe and Reliable
Banks like Wells Fargo, Citi, and Bank of America offer euro exchange services, including delivery to your home or branch pickup.
Pros
Familiar and trusted institutions.
Some offer delivery within 2–7 days.
Cons
Exchange rates can be less competitive than online alternatives.
Fees and shipping charges may apply.
Tip: Always compare the bank’s offered rate to the mid-market rate before you convert.
3. ATMs Abroad — Useful, But Not Pre-Trip
If you wait until you’re in Europe, withdrawing euros from ATMs often gives a better true exchange rate than airport kiosks. Just use a card with no foreign transaction fees and decline Dynamic Currency Conversion (DCC).
Pros
Great rate if your bank doesn’t add heavy fees.
No need to carry lots of cash.
Cons
ATM fees may still apply.
Requires a bank card that reimburses or skips fees.
4. Local Currency Exchange Services
Providers like Currency Exchange International (CXI) or even online exchange order services like Trustedbillsandclones can deliver euros to your door or allow pickup.
Pros
Convenient.
Sometimes match local bank rates.
Cons
Rates and fees vary widely.
5. Avoid Airport and Tourist Exchange Kiosks
Exchange counters in airports and hotel lobbies are the worst option if you care about cost. They may disguise fees through awful exchange rates and high markups.
Smart Tips to Save Money
Compare Live Exchange Rates
Use tools like:
XE Currency Converter
OANDA
Reuters Currency Rates
to compare before you buy.
Avoid Dynamic Currency Conversion
DCC often offers a worse rate and hidden markup. Always choose to be charged in local currency (EUR), not USD, at POS or ATMs.
Plan Ahead
Exchange earlier in the week when markets are open, weekends often bring wider spreads.
FAQs: Best Way to Buy Euros in the US
What is the cheapest way to buy euros in the US?
The cheapest ways are usually online multi-currency accounts like Wise or Revolut that use near-market exchange rates with low fees.Can I buy euros from any US bank?
Many banks can order euros, but rates and availability vary. Always compare rates before converting.Should I get euros before my trip?
It’s often beneficial to get some euros before travel to avoid high fees and poor rates at airports.Can I use ATMs abroad?
Yes, it can be cost-effective if your bank or card provider waives foreign transaction and ATM fees.
Your Next Step: Buy Euros the Smart Way
Now that you understand the best way to buy euros in the US, take action and get the most value from your money.
Visit the TrustedBillsAndClones.com Euro Currency Page to buy euros securely online with competitive rates and fast delivery.
Consider adding a travel money card for flexibility abroad.
Use our comparison tips above to ensure you always get the best deal possible.
Don’t pay more than you have to, get euros the smart way today.