ATM withdrawal in Spain without fees


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

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.

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Written by Ale

Comments:
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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