Bank of America Travel Money: Foreign Currency Rates and Fees
Bank of America customers can order supported foreign banknotes online or in the app. Compare daily cash rates and check the $7.50 standard-delivery threshold before ordering.
Bank of America travel money hub · Reviewed August 2026
Compare Bank of America foreign currency cash
Bank of America customers with an eligible checking or savings account can order supported foreign banknotes through Online Banking or the Mobile Banking app. BER tracks the bank's published daily purchase and return rates so travellers can compare the exchange rate, delivery fee and final foreign-currency amount.
Quick answer
There is no separate online currency-order fee, but the exchange rate includes Bank of America's spread. Standard delivery costs USD $7.50 below USD $1,000 and is free from USD $1,000. Optional overnight delivery costs USD $20.
At a glance
Bank of America foreign cash orders
Who
Existing customers
Online and mobile orders require an eligible Bank of America checking or savings account. Customers with only a Bank of America credit card order through a financial center.
$100
Minimum online order
The published online and mobile minimum is USD $100. Bank of America can apply separate per-currency or financial-center minimums.
$10k
Thirty-day maximum
Customers can order up to USD $10,000 over 30 days online, whether that total is reached in one order or several orders.
Daily
Published cash rates
Bank of America publishes daily rates for ordering foreign banknotes and separate rates for returning supported foreign notes for US dollars.
Live cash comparison
Compare a Bank of America USD-to-EUR cash order
The table starts with a USD $500 euro order. Change the amount or destination currency to match your trip. Compare the foreign notes received after the retail exchange rate and delivery fee, and check the quote timestamp before ordering.
Open all Bank of America travel-money rates or read the broader Bank of America exchange-rate review.
Fulfilment cost
Delivery fees and collection rules
| Order or delivery option | Published condition | Fee |
|---|---|---|
| Standard delivery | Order below USD $1,000 | USD $7.50 |
| Standard delivery | Order of USD $1,000 or more | $0 |
| Overnight delivery | Optional, regardless of order amount | USD $20 |
| Financial-center collection | Required from USD $1,000 and in specified customer circumstances | The applicable standard or overnight delivery charge still applies because branches do not normally stock the currency |
Orders must be collected from a financial center when they are USD $1,000 or more, when the customer is new, or when the account address changed recently. Bank of America publishes the exact checkout conditions and delivery estimate before confirmation.
BofA Rewards
Qualifying BofA Rewards clients may receive free standard delivery and a discount of up to 2% from the published exchange rate, depending on tier. Confirm the benefit shown for the account at checkout.
Ordering process
How to order foreign currency from Bank of America
Before checkout
Five steps
- Compare the cash rate: choose the destination currency and compare how many foreign notes the same USD amount buys.
- Sign in: use the Bank of America app or Online Banking with the eligible checking or savings account that will fund the order.
- Select currencies and denominations: available note sizes depend on the currency and inventory.
- Choose delivery or collection: the order amount and customer circumstances determine whether address delivery is available.
- Review the final debit: confirm the rounded banknote amount, exchange rate, delivery fee and expected delivery before submitting.
Orders placed before 2 p.m. local time on a business day normally ship that day; later orders normally ship on the next business day. Weekends, holidays, address checks, currency availability and the selected delivery service can affect timing.
Understanding the quote
Purchase and return rates are different
Before travel
Ordering foreign notes
The purchase rate shows how much foreign currency Bank of America supplies for the US-dollar order. BER converts the bank's published quote into a consistent terms-per-USD comparison.
After travel
Returning unused notes
Bank of America account holders can exchange supported foreign banknotes for US dollars at a full-service financial center. The return rate is normally less favourable than reversing the original purchase rate.
Bank of America does not exchange foreign coins. Cash orders are rounded to available banknote denominations, so the final US-dollar debit can be slightly higher than the unrounded calculator amount.
The published retail cash rate is not an interbank or mid-market rate. It includes the bank's compensation through the spread and can differ from Bank of America wire, card, commercial and after-hours rates.
Popular comparisons
Bank of America USD travel-money routes
BER currently tracks Bank of America's daily cash quotes for 46 canonical currencies. Availability can change, and a listed currency can still be subject to order, denomination or delivery restrictions.
Travel planning
Before ordering
- Compare the foreign notes received, not only the delivery fee.
- Check whether moving the order to USD $1,000 genuinely suits the trip before using the free-delivery threshold.
- Allow enough business days for shipping and collection.
- Order only a practical cash buffer and use a separately stored payment backup.
- Check card acceptance and ATM access at the destination rather than carrying the full travel budget in cash.
- Do not rely on exchanging leftover coins after returning; Bank of America accepts supported banknotes only.
For a broader payment-method comparison, read Travel Money: Cash, Debit, Credit or Multi-Currency Card?.
Frequently Asked Questions
Is Bank of America foreign currency available to non-customers?
No. Online and mobile ordering requires an eligible Bank of America checking or savings account. Bank of America also states that foreign-currency exchange at a financial center is for its customers.
Is Bank of America's foreign currency order fee really zero?
There is no separate online order fee, but delivery can cost USD $7.50 or USD $20 and the retail exchange rate contains a spread. Compare the complete order cost.
Why does a USD $1,000 order need branch collection if standard delivery is free?
Bank of America requires orders of USD $1,000 or more to be collected from a financial center. The currency still has to be delivered to that location because branches do not normally keep foreign-currency inventory.
Can I return leftover foreign currency?
Bank of America account holders can exchange supported foreign banknotes for US dollars at a full-service financial center. Coins are not accepted, and the applicable return rate can create another conversion cost.
How often are Bank of America cash rates updated?
Bank of America labels the rates as daily. Check the timestamp displayed with the comparison because weekends, holidays and operational changes can affect when the next table appears.
Methodology and Sources
BER checked Bank of America's ordering, delivery, eligibility, rate and return-currency information on 11 August 2026. Live comparisons use Bank of America's published physical-cash rate table and identify purchase and return quotes separately.
Primary sources:
- Bank of America foreign currency exchange
- Bank of America foreign currency ordering FAQs
- Bank of America foreign currency calculator
- Bank of America foreign currency return rates
Affiliate Disclosure
BestExchangeRates may receive compensation from some services shown in comparison results. This does not change the rate or fee charged to you. Bank of America is included for comparison and is not represented as an affiliate partner in this guide.
Disclaimer: Please note any provider recommendations, currency forecasts or any opinions of our authors should not be taken as a reference to buy or sell any financial product.