ATM withdrawal in Spain without fees

By Ale | Jun 19, 2019 | Updated: Oct 3, 2021
Europe > Spain

In Spain, you'll find that most ATMs ("cajero automático" in Spanish, "caixer" in Catalan) have a withdrawing fee for international cards like Visa/Mastercard. ATMs are legally required to indicate the exact fee and ask for confirmation. So feel free to test around, cancel the transaction if the fee is too high for you and take some time to find the best ATM to use.

ATM Fees in Spain


Fees can vary depending on:

  • the ATM itself (ATMs from a same bank can have different fees)
  • the amount withdrawn
  • your bank/card

Here are the ranges for each bank:

  • Kutxabank: no fees
  • Banca March: no fees
  • Deutsche Bank: no fees
  • ING: no fees
  • Bilbao Bizkaia Kutxa (BBK): no fees
  • Unicaja Banco: no fees
  • Eurocaja Rural: no fees
  • iberCaja: no fees - €1.75
  • Bankinter: no fees - €1.75
  • CaixaBank: no fees - €2.00
  • Abanca: €0.75 - €0.80
  • Bankia: €1.75 - €5.00
  • Sabadell: €1.80 - €5.00
  • Cajamar: €1.85 - €2.00
  • BBVA: €1.87 - €7.00
  • Santander: €2.00 - €8.00

Read the comments for many updated ATM fees, and please let everybody know if you found a no-fees ATM or if you had different fees with your card.

Fees With Your Own Bank


Your own bank may also add its own fees. This is specific for each bank, so check with your bank pricing to see the fees for international withdrawals.

Euronet Worldwide ATMs


These ATMs have popped up everywhere in the center of touristic cities in Europe: do not use them. They have horrible fees and push users to withdraw high amounts of cash. Moreover the dynamic exchange rate (if you choose to let the ATM make the conversion for you, never do that) is outrageous.

Euronet Worldwide ATM in Barcelona

Euronet Worldwide ATM in Barcelona

Good to Know


Don't forget to ask for a receipt, especially when you're abroad. And once you have it, take a picture of it immediately because you'll probably end up losing the paper. Make sure the amount on the receipt matches the amount on your account. And in the case of a dispute, use your receipt/picture as a proof.

Sending Money to Spain


If you are looking to send money consider TransferWise for spending in any currency, receiving money for free and sending money internationally with low transparent fees — much cheaper than using your local bank. You can even get your own local bank account details in Europe, UK, US, Australia and New Zealand with the TransferWise borderless account.

Money Europe Credit Card Budget Banking ATM Spain Scams

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Written by Ale

There are 94 comments
Felipe

Felipe
Oct 17, 2021 at 15:31

Because of suggestions here, I went to a nearby IberCaja to withdraw money. For 500 euros, I was charged 3.16 euros. My bank will pick up this charge. I had been dismayed at some of the other banks' rates--big charges and lousy exchange rates so I was happy to find this thread. Gracias.


Sam

Sam
Oct 9, 2021 at 10:24

Abanca with a Revolut card: no fees.


Sam

Sam
Oct 6, 2021 at 18:44

€0.54 at ibercaja in Teruel with Monzo card! €7 at Santander, no thank you...


Pedro

Pedro
Oct 5, 2021 at 06:50

Bankinter charged a flat 4€ on 250€ withdrawal using Barclaycard Platinum MasterCard (Free ATM Cash Withdrawals until August 2022).


Paddy

Paddy
Sep 29, 2021 at 13:33

Saba fell in Malaga just charged €1.80 for €110 withdrawal (Revolut card)


Raquel

Raquel
Sep 9, 2021 at 21:42

In Madrid Airport, I was charged 5Euro fee from ATM. I checked all ATMS and they were all charging this much. Today I withdrew from BBVA in Tenerife because in Colombia it is no fee but here in Canary Islands I was charged a 7Euro fee for withdrawing.


Chris K.

Chris K.
Sep 8, 2021 at 04:53

Starling with Caixa in Mallorca €2 for €200


Scott

Scott
Sep 6, 2021 at 21:46

Santander in Santa Ponsa, Mallorca wanted €7 for €110 withdrawal. Went a few hundred yards/metres along to Bancha March and completely free (0.5% fx rate fee from card issuer as expected) using my Currensea MasterCard debit card.


Danielle

Danielle
Sep 3, 2021 at 19:10

I’m visiting Spain (Gran Canaria) next week!
Can anyone tell me where I can locate these atm’s (preferably the no fee/ low fee ones)?
I will be withdrawing with an American visa.


justme319
Sep 2, 2021 at 19:13

Hi Everyone,

I find this topic is very useful for someone who is from non EU and considering to withdraw cash from Spanish ATMs before arriving Spain. This is one of the important budget planning elements. I used this website page to decide whether I should prepare more EURO cash before I arrived the country.

Today I am sharing my 2nd Sep 2021 experience from Madrid. I used UnionPay debit card from Myanmar/Burma for cash withdrawal (EURO 460) and the following are the fees shown to me on the ATM screens.

1. Santander ATM ask: 7 EURO
2. Euro Automatic Cash ATM ask: 5 EURO
3. Euronet worldwide ATM ask: 3.95 EURO
4. Sabadell ATM as: zero EURO

Today I have withdrawn 1 time each from Euronet worldwide (3.95) and Sabadell (zero). Will continue with Sabadell further onwards.

Cheers :)


Andrew

Andrew
Aug 24, 2021 at 16:37

Just tried Santander in sitges with a Revolut card and the cash machine wanted to charge 7 Euros so I cancelled. Went to Banka March machine and no charge.


HelenaTravels21

HelenaTravels21
Aug 21, 2021 at 08:11

Me again. I’m now in Barcelona an August 21, 2021. CaixaBank Business charges €5! I wonder if there’s a difference between a Business branch or regular one. I will find out.


James

James
Aug 18, 2021 at 15:27

In Valencia August 2018, Santander wanted €7 to withdraw using my Revolut card. Used this page and tried IberCaja instead and they charged €0.75 which appears not to have been passed on by Revolut.


HelenaTravels21
Aug 17, 2021 at 11:38

I was in Madrid August 2021 and used the ATM with Santander. I was charged €7. After reading this article I used iberCaja I was charged €O and they gave me the option of the cash denomination. Instead of two €50 bills I got five €20. This article is super useful. Thanks!


Marco

Marco
Aug 14, 2021 at 11:39

I'm Barcelona with a Dutch bank card.

I've tried few ATM and the fees (in euros) where as follow

Santander 2.90
BBVA 1.87
Caixa 2.00
IberCaja 0.73

I opted for IberCaja indeed and, as marked in someone else comment, this fee this not show in the statement at least so far


Mari

Mari
Aug 13, 2021 at 07:15

Just wanted to share my experience. Withdrew money yesterday in Palma, Mallorca from Interbank and they took 1.87€ for 40€ withdrawal. So it’s not for free! But definitely better than Santander.


Maureen Watson

Maureen Watson
Aug 12, 2021 at 13:08

Used my UK Santander card at ATM Santander and they charged me €9. Is this right .


Mark

Mark
Jul 16, 2021 at 06:32

No fee at Banca March in Ibiza this week on a Starling Euro account withdrawal - Santander wanted €7


Anna

Anna
Jul 15, 2021 at 11:00

July 2021, CajaSur ATM in Granada. No fees.


Maria

Maria
Jul 15, 2021 at 10:41

In Burgos. Santander indeed 7 euros. I tried IBERCAJA. It said: 'Ibercaja will charge card issuer 0.68 euros. Your bank will determine whether this charge will pass onto you'. So far it has not (Halifax Clarity MC)


sylvain

sylvain
Jul 13, 2021 at 09:38

Bkk bank in Bilbao, no fees.


Jan

Jan
Jul 5, 2021 at 16:18

Caixa 2 EUR fee, Santander 7 EUR fee.


Mike

Mike
Jun 16, 2021 at 13:00

Hey, just used Unicaja Banco ATM in Sevilla fee free.


Dom

Dom
Jun 7, 2021 at 22:39

In Zaragoza june 2021 with a MC/Visa card from EU banks in Euro.
Ibercaja something like 0,90€
BBVA : 1,87 €
Sabadell : 1,80 €
Caja Rural de Teruel : 1,90 €


Mark

Mark
Jun 1, 2021 at 05:34

Just been to santander in Barcelona, yep, €7 fee!


Lu

Lu
May 5, 2021 at 09:25

Went to Ibercaja ATM near Sevilla Metro Madrid last week, drew €100 with Visa card, screen said possible charge of €1,11 from my bank otherwise no other charges!


Greg

Greg
Apr 21, 2021 at 18:18

at the airport Banka/Bankia? and Caixa wanted to charge me 5e!
For U$20 the xchange rate meant I lost 3.5e; but at least not 5!


matthew

matthew
Apr 17, 2021 at 07:18

GREED/ABUSE! @Bankia Just Embezzeled €13,50, On A €100, Withdrawl ( €5,00 Fee; 8.5% Commission )!


Simon

Simon
Mar 28, 2021 at 14:08

I was charged 7 € at a Santander ATM in Salamanca on26/3/21, only withdrew 30 €.


Rod Holland

Rod Holland
Feb 26, 2021 at 16:13

Ibercaja are now charging 1.75 euros & Caja Rural 1.5 euros for machine use. I do not think there are any major bank free use machines left in Spain


Duncan

Duncan
Feb 4, 2021 at 17:38

Banco March, Bankinter and CajaSur currently fee-free in Sevilla.


Jose Arellano

Jose Arellano
Jan 27, 2021 at 11:02

Cant withdraw at Ibercaja with my Capital one debit card. Any info on that?


Popey

Popey
Dec 16, 2020 at 15:19

Banca Marcha also wants now 2 Euro fee as well as Cajamar Cala Rutal. Only one I found so far that still doesn’t charge you is Unicaja, ING and Deutsche Bank Espana.


Marc

Marc
Dec 10, 2020 at 00:33

Tried to withdraw 180 euros from Santander in Las Palmas today, and the fee was 7 euro.


Tom

Tom
Nov 25, 2020 at 00:04

At the establishment of the Euro, did the E.C.B. not mandate that there would be no fees for withdrawals in Euro from regulated Banks within the E.U.? Are the currency conversion rates controlled at regulated banks in E.U.?
I use Irish debit cards in Unicaja Bank in Nerja ( Malaga ) where there are no fees to date.
If using non E.U. bank cards, the wise thing to seems to be to never direct the ATM to convert the currency but to allow your own bank make the conversion.


Daria

Daria
Oct 25, 2020 at 21:32

Banca March in Yumbo Centre, Maspalomas, Gran Canaria don’t charge fees for ATM withdrawal


Russell

Russell
Oct 19, 2020 at 14:11

The above info is not accurate. I've traveled in 20+ cities in Spain in 2020 with a US debit card, and the only free ATMs I have found are:
* Bankinter
* Unicaja
* Eurocaja Rural


Ray

Ray
Sep 29, 2020 at 15:28

Caixabank in Albir, near Benidorm . Charge €2 fee today.
With no option of euros. Went auto GBP.
Second transaction I've done now. If won't happen again
I will be looking at a Transferwise account, in the future.


Steve ward

Steve ward
Sep 13, 2020 at 08:51

Bankinter does not charge for withdrawing cash from there ATMs.


R

R
Aug 20, 2020 at 12:16

CaixaBank charged me €2 to withdraw money at the ATM


Steph

Steph
Aug 9, 2020 at 15:26

My dad has lived in Spain for 17 years, has his residentia, pays Spanish tax on his pension and has a personal bank account with BBVA. Even using another Spanish bank eg Santander which is close to his home they still want to charge him €6.00 which means at 81 he still had to drive 30 mins to his actual branch to get cash.

I’ve tried to get him to change banks but he doesn’t want the hassle or to be disloyal. Oh how u wish the banks realised what they do to the older generation 😢😢


Saba

Saba
Aug 5, 2020 at 21:13

Única doesn't charge any fee for cash withdrawal on visa


Saba

Saba
Aug 5, 2020 at 20:25

bankia 5€
BBVE 6€
Santander 7€


Traveller

Traveller
Aug 3, 2020 at 12:48

BBVA near Barcelona wanted to charge €6 fee to retrieve €200 from Malaysian Debit Card. I cancelled and will give feedback here when I find a better deal.


Jack

Jack
Jul 3, 2020 at 16:18

CaixaBank charged me €2 on top in Benidorm January 2020. There also probably the inly bank you feel your giving your card to a supercomputer than an ATM!


Pia

Pia
May 13, 2020 at 13:47

Have just been to Santander ATM in Manilva and have been charged a whacking 7€!!!


Corey

Corey
Apr 6, 2020 at 15:55

Caixa Bank charged me a 5 euro fee in Madrid when I was there a month ago. I was upset because I found a Sabadell atm with a 3.5 euro fee and better exchange rate later


Dianne

Dianne
Mar 5, 2020 at 16:42

Went to Caixa ATM yesterday & fee was 5 euro for 100 euro withdrawal ($7.50 CDN). Chose to continue but not with their currency conversion. Rip off but couldn't be bothered chasing another ATM as last of trip


William

William
Feb 27, 2020 at 15:59

CaixaBank Charged me 5.00 euro for a 200 euro withdrawal but I was not paying attention & chose their exchange rate margin which was 8.4% ( ouch ! ) so pay attention when using their machines


Anne

Anne
Feb 24, 2020 at 14:52

I tried to withdraw from Caixa today - from a euro account - and I was notified that I would be charged €2 for the withdrawal. (I cancelled the transaction and conducted the search for no fee cash points that brought me to your site!)


David Muir

David Muir
Feb 21, 2020 at 19:39

In Palma, Mallorca. Just used s stand alone ATM of Banca March. No fee for using my UK credit card to withdraw money. Any UK folks should get a Halifax Clarity credit card, put credit ON it, then use to take cash out of ATMs worldwide. Best exchange rate and no fee.


Rhys

Rhys
Feb 19, 2020 at 09:06

Caixa Bank charged eur 2 in suburban seville, which is OK by me.


James

James
Feb 18, 2020 at 11:06

Santander just charged me 8 euros for a withdrawal in Sevilla. Ouch! This was with USA credit union debit card.


Rhys

Rhys
Feb 17, 2020 at 09:07

Santander charged me Eur7 for a withdrawal in Jerez. Ouch! This was with a UK Starling Euro account.


Derek

Derek
Feb 4, 2020 at 14:28

Santander 5 euros. Sabadell 5 euros


Gaby

Gaby
Jan 30, 2020 at 13:33

Santander charges 7 euros and bbva 6 euros in Madrid


Kristen

Kristen
Jan 15, 2020 at 14:24

I wish I knew what part of Spain everyone else is in, but all four bank in this Catalan town where I live charge a flat fee ranging from 5-7 euros each time, plus an inflated exchange rate. Yesterday, I went to withdraw 400 euros from my American bank (MasterCard) and at Santander, they now charge 7 euros just for the transaction plus a higher exchange rate than current international rates and would have charged me $485 for my 400 euro withdrawal. It's been better with the stronger dollar but I also know Spanish banks are hiking up their fees possibly due to higher government-set bank costs. Where are the fee-less ATM?


JohnHemel

JohnHemel
Jan 14, 2020 at 20:01

Using UK master card 5 years , never charged in Spain/ Canaries until today....
Santander wanted €7.....Bankia about 2 and Caixa which was always free , similarly.
Can confirm Ibercaja was free ! So used in Torremolinos.


Thomas

Thomas
Jan 13, 2020 at 17:00

caixa in Barcelona charged 2 eur, Kutxabank without any extra fee, perfect for me


Jacob

Jacob
Jan 12, 2020 at 08:53

Just tried at Sabadel with USA card - 4€50. January 2020


May

May
Jan 5, 2020 at 10:00

Caixa bank charged 2 euros to draw out 300 euros on a Starling euro account card. January 2020


Cheapskate

Cheapskate
Dec 24, 2019 at 11:54

I tried a Sabadell ATM for convenience and it wanted 4€ to make a withdrawal from a US account.


Muhammad

Muhammad
Dec 9, 2019 at 19:22

Tried to use santander atm with a UK card , Gave charge of 7 euros


Mohammad

Mohammad
Dec 3, 2019 at 13:17

Dears avoid BBVA at all costs! It charged me 6 euros for one withdrawal! (Madrid)


Eleanor

Eleanor
Dec 1, 2019 at 18:50

In Fuerteventura just used a standalone March Bank atm fee free.


Tal

Tal
Nov 16, 2019 at 21:56

Just tried a BBVA bank atm in Barcelona... 6 euro fee! Completely ridiculous, but I guess some people actually use it.


Iain

Iain
Nov 10, 2019 at 00:34

I also tried caxia bank and it was going to charge a fee. The only ATM's I found to be free were Unicaja and Cajasur.


Nick

Nick
Oct 21, 2019 at 07:28

I've noticed that caixa bank actually has a 5 euro withdrawal fee. But kuxtabank indeed is no-fee.


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