ATM Fees in Spain
Euro (EUR) • Updated April 2026
Spain has excellent card acceptance. Contactless ubiquitous. ATMs widespread. Watch for Euronet and other independent ATMs with high fees. Use bank ATMs.
Tips for Spain
- • Cards accepted almost everywhere
- • Avoid Euronet ATMs - high fees
- • Use Santander, BBVA, CaixaBank ATMs
- • Contactless standard
- • Cash for small bars and markets
- • QR code menus are standard in restaurants
Airport tips
- • Major airports have many ATMs
- • Avoid independent ATMs
- • Use bank ATMs for best rates
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 Spain, per person.
Backpacker
Hostels, street food, public transport
EUR/day
≈ $73.53-161 USD
Mid-range
Hotels, restaurants, mix of transport
EUR/day
≈ $198-373 USD
Luxury
Premium hotels, fine dining, private transport
EUR/day
≈ $502-1,027 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Spain.
Credit card acceptance
Very HighExcellent card acceptance. Cash for small bars and markets. American Express acceptance is significantly lower than Visa/Mastercard.
You'll need cash for
- • Small tapas bars
- • Markets
- • Some taxis
- • Tips
Cards usually accepted
- • Everywhere else
- • Restaurants
- • Shops
- • Transport
- • Museums
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Santander | 0 EUR | 0% | Visa/MC rate | 0 USD | 3,500 | No fee |
| BBVA | 0 EUR | 0% | Visa/MC rate | 0 USD | 2,500 | No fee |
| Euronet | 5-8 EUR | 0% | Poor DCC | ~8.00 USD | 1,500 | AVOID |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Santander | 0 EUR | 0% | Visa/MC rate | 0 USD | 3,500 | Best coverage |
| BBVA | 0 EUR | 0% | Visa/MC rate | 0 USD | 2,500 | Good network |
| Euronet | 5-8 EUR | 0% | Poor DCC | ~8.00 USD | 1,500 | AVOID |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Spain:
View all ATM alliances →