Where to Exchange Currency in the U.S. If you like to plan ahead and want to exchange currency in the U.S., your bank or credit union will be your best bet. They have access to the best exchange rates and usually charge fewer fees than exchange bureaus. Most big banks sell foreign currency to customers in person at a local branch. To do so, you will need to exchange your own currency (such as US Dollars or Euros) for coins and banknotes of another country. Since currency exchange rates vary from place to place and day to day, where and how you exchange currency can make a difference in your wallet. You can exchange U.S. dollars for foreign currency at a range of outlets both in the country you visit and here at home. It’s wise, however, to get the bulk of your foreign currency at ATMs abroad, which typically offer better exchange rates than any other sources, including your bank in the U.S.,