Chase in Italy at a glance
JPMorgan Chase has an office in Milan for corporate and investment banking, but nothing for personal customers. There are no Chase-branded branches or ATMs in Rome or elsewhere in Italy, and Chase is not part of an international ATM alliance.
Which Chase card to use for what
| Card | Purchases in Italy | ATM cash in Italy |
|---|---|---|
| Chase Sapphire Preferred / Reserve (credit) | No foreign transaction fee | Avoid: cash advance fees and interest |
| Chase Freedom cards (credit) | 3% foreign transaction fee | Avoid |
| Chase Total Checking debit | 3% foreign transaction fee | About $5 per withdrawal + 3% |
| Chase Sapphire Banking / Private Client debit | Lower or no fees | Some ATM fees waived |
Check your own account terms in the Chase app before you travel; fees depend on your account package.
Getting cash in Rome as a Chase customer
- Use a bank ATM, not an independent machine. In central Rome, BNL, UniCredit and Intesa Sanpaolo branches are easy to find; see banks and ATMs in Rome.
- Read the fee screen and cancel if the operator fee is too high.
- Choose to be charged in euros.
- Withdraw a larger amount once rather than small amounts often, because of the fixed fee.
If you travel regularly, a checking account that refunds ATM fees and charges no foreign fee can save more than the Sapphire card’s purchase benefits. Compare US banks in the table above.
Frequently asked questions
Can I use my Chase debit card in Italy?
Yes. Chase debit cards work at Italian ATMs and shops that accept Visa. Standard Chase checking accounts typically charge a fee per international ATM withdrawal and a 3% foreign transaction fee; premium accounts such as Chase Sapphire Banking and Private Client waive some of these.
Does Chase charge foreign transaction fees in Italy?
Most Chase debit cards charge a 3% foreign transaction fee. Chase Sapphire Preferred and Sapphire Reserve credit cards charge no foreign transaction fee on purchases.
Should I use my Chase Sapphire card at an ATM in Italy?
No. Using a credit card at an ATM is a cash advance, which typically costs 5% (minimum $10) plus interest from the same day. Use a debit card for cash.
Which ATMs should Chase customers use in Rome?
Chase has no partner in Italy, so choose any bank-owned ATM in Rome, such as BNL, UniCredit or Intesa Sanpaolo, and avoid independent machines like Euronet. Choose to be charged in euros.
Sources and fact-checking
Checked on 2 November 2026 by Ionut Popea following our editorial policy. Fees, codes and rules change; confirm anything important with the bank or authority before acting.