ATM withdrawal in Spain without fees

By Ale | Jun 19, 2019
Europe > Spain

In Spain you'll find that most ATMs ("cajero automático" in Spanish, "caixer" in Catalan) have a fix withdrawing fee for international cards like Visa/Mastercard. ATMs that have fees are legally obliged to display a screen that indicates the exact amount and ask for confirmation. So feel free to test around, and cancel the transaction if the fee is too high for you.

ATMs fees in Spain

  • Kutxabank: no fees
  • iberCaja: no fees
  • CaixaBank: no fees (some people in the comments reported a fee)
  • Abanca: €0.80
  • Bankia: €1.75
  • Sabadell: €1.80
  • BBVA: €1.87 (€6 reported by some people in the comments)
  • Santander: €2 (€6-€8 reported by some people in the comments)

Let us know in the comments 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.

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.

Scam Money Credit Card Budget Banking ATM

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Written by Ale

There are 32 comments
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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