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    ATM Fee Guide
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    ATM Fees in Andorra

    Euro (EUR) • Updated April 2026

    Andorra uses the Euro and has excellent banking infrastructure. As a tax haven, banking is highly developed. ATMs are widely available, and card acceptance is excellent throughout this small principality.

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    Tips for Andorra

    • • All major European cards work perfectly at ATMs
    • • MoraBanc and Andbank are the main local banks
    • • No ATM fees for most Visa/Mastercard withdrawals
    • • Andorra is famous for duty-free shopping - cards widely accepted
    • • Spanish and French banks also operate here
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    Airport tips

    • • Andorra has no airport - arrive via Barcelona, Toulouse, or Girona
    • • Bus from Barcelona/Toulouse takes 3-4 hours
    • • Direct bus services accept cards or cash
    • • Consider withdrawing Euros before arriving
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    Don't forget your home bank fees

    The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.

    Estimated daily expenses

    How much cash you might need per day in Andorra, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    70-125

    EUR/day

    🏨 Accommodation30-50
    🍜 Food & drinks20-35
    🚌 Transport5-10
    🎟️ Activities15-30

    ≈ $81.70-146 USD

    Mid-range

    Hotels, restaurants, mix of transport

    175-325

    EUR/day

    🏨 Accommodation80-150
    🍜 Food & drinks40-70
    🚌 Transport15-25
    🎟️ Activities40-80

    ≈ $204-379 USD

    Luxury

    Premium hotels, fine dining, private transport

    440-860

    EUR/day

    🏨 Accommodation200-400
    🍜 Food & drinks100-180
    🚌 Transport40-80
    🎟️ Activities100-200

    ≈ $514-1,004 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Andorra.

    Credit card acceptance

    Excellent

    Andorra has excellent card acceptance. As a popular duty-free shopping destination, virtually all businesses accept international cards. Contactless payments are standard.

    Regional differences

    • • Andorra la Vella: Excellent coverage everywhere
    • • Ski resorts (Grandvalira, Vallnord): All facilities accept cards
    • • Mountain villages: Good acceptance, some small cafes prefer cash
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    You'll need cash for

    • • Some mountain refuges
    • • Small local cafes
    • • Tips (not expected but appreciated)
    • • Some parking meters
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    Cards usually accepted

    • • All shops and duty-free stores
    • • Hotels and ski resorts
    • • Restaurants and bars
    • • Ski passes and rentals
    • • Supermarkets and petrol stations

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    MoraBanc0 EUR0 USD15
    Andbank0 EUR0 USD12
    Credit Andorrà0 EUR0 USD10
    Banca Sabadell d'Andorra0 EUR0 USD8

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    MoraBanc0 EUR0 USD15
    Andbank0 EUR0 USD12
    Credit Andorrà0 EUR0 USD10
    Banca Sabadell d'Andorra0 EUR0 USD8

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