Withdrawal setup
Fee breakdown
Spanish ATM operators (real ones)
| Operator | Locations | ATM fee (own bank) | ATM fee (foreign card) |
|---|---|---|---|
| CaixaBank | Most common nationwide; ServiRed network | Free (most cards) | 鈧?.50鈥撯偓2.50 |
| Bankinter | Bank branches | Free | 鈧?.50鈥撯偓2.50 |
| Sabadell | Branches | Free | 鈧?.50鈥撯偓2.50 |
| BBVA | Common + AGB network | Free | 鈧?.50鈥撯偓2.50 |
| Banco Santander | Common | Free | 鈧?.50鈥撯偓2.50 |
| Unicaja | Andaluc铆a primarily | Free | 鈧?.50鈥撯偓2.50 |
| Kutxabank | Pa铆s Vasco | Free | 鈧?.50鈥撯偓2.50 |
| Euronet 鈿?/td> | Airports, tourist streets, kiosks | 鈥?/td> | 鈧?.50鈥撯偓6 + 2% |
| Travelex 鈿?/td> | Airports | 鈥?/td> | 鈧?.00 flat |
鈿?= tourist-area fees are 2鈥?脳 higher. Avoid unless urgent.
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How to read results
- Withdrawals under 鈧?00: every 鈧? of fee hits harder. Either withdraw 鈮も偓100 once or batch large purchases (pay by card for everything else).
- Pay in EUR: when the ATM asks "convert to your home currency?", always say NO. The DCC rate is 3鈥?% worse than your card's home rate.
- Bank branches: ATMs inside a bank branch are the cheapest. Look for any of the banks above. Euronet sits inside shop windows on tourist streets.
- Multiple small withdrawals: better than one. But avoid paying foreign ATM fees more than 2鈥?脳 per trip.
Limitations
- ATM fees shown are typical 2025/26 for a 2-ATM operator; individual banks vary.
- Your home bank's fee structure depends on your card tier and country 鈥?check your bank's actual schedule.
- Some cards offer FREE withdrawals anywhere (Revolut Premium, Wise up to 鈧?00/mo) 鈥?these cards can undercut bank ATMs even at Euronet.
FAQ
Can I get a totally fee-free ATM? Almost nowhere in Spain. The minimum is 鈧?.50鈥撯偓2.50. The exception: Revolut Premium / Metal covers up to 鈧?00/mo free, Wise covers up to 鈧?00/mo.
Why is Euronet bad? They post hidden fee on the third confirmation; many tourists accept without realising.
What if my card's daily limit is 鈧?00? Multiple smaller withdrawals are fine 鈥?fees add. Withdraw 鈧?00+ once if your card allows.