Spain ATM Banking Budget Credit Card Europe Money Scams
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Sep 8, 2024 at 16:42
September 2024 usually use Deutsche bank ATMS and they free, but had a ING close to me this trip and used a few times no fee’s. From UK and using Monzo Account
Apr 8, 2024 at 21:01
I used my BA debit card at Deutsche Bank in Granada on March 20, 2024, and DB charged me 4.00 Euros for the privilege, and the conversion rate was 4% higher than using a credit card for purchases.
Feb 9, 2024 at 21:22
Hello! I tried ING in Granada and it only lets you withdraw 600 per operation. On the other hand, Unibanco lets you withdraw 1000 and without commission.
Jan 25, 2024 at 17:45
Today Thursday 25 Jan 2024. Tried ING Euronet ATM at Playa Flamenca, English option and pay in Euro's/GBP offered but wanted a 3.95 Euro fee for the privilege. Instead went to Kutxabank in Torrevieja, English option and pay in Euro's/GBP offered, no fee, checked my account later and confirmed this was the case and the day's Matercard exchange rate was charged for the transaction.
Sep 27, 2023 at 08:53
27 Sep 2023 used my starling card (similar to Monzo or revolut) at a kutxabank atm and was not charged a fee. Could select to pay in euros.
Sep 20, 2023 at 09:43
This article needs serious updating since a lot of the banks mentioned now charge for ATM withdrawals using foreign debit cards instead of reading the comments to figure out what is the latest. Banca March is NOT free, I tried withdrawing Є500 but there is Є3.80 commission (so you can view this as the ATM fee charge) since it is not using the current exchange rate at time of withdrawal. Same thing with Unica Banco (see earlier comment I made). Bankiter charges Є4 and ING wont accept my Citibank card.
Sep 13, 2023 at 10:52
Única banco doesn't charge but fee and comission are built in. It automatically converts and doesn't give you the option to charge it in €.
Aug 1, 2023 at 17:15
Tried Deutsche bank in Jul, it does not have charges. But tried again in Aug, started having 3€ charges.
Tried ATM withdrawal at Unicaja Banco. No fees. If you have insights on free withdrawal/charges, would appreciate if we could share, will help a long way.
May 31, 2023 at 09:48
Today 31 may 2023 I tried deutsche bank. It wouldn't give me any money. So I went around the corner Kuxtabank gave me 200 euros no fee. In Badalona
Apr 25, 2023 at 15:05
Thanks for this useful post - we've been staying in Arenys de Mar and Santa Susanna in the coastal Maresme county north of Barcelona. The "good banks" (those with no fees) only seem to have a presence in the county capital (Mataró) or Barcelona city itself. We settled for a Sabadell cash withdrawal on our Starling account, which has a €1.80 fee and it was easy to accept the transaction in Euro so we got the Starling exchange rate. Upshot was we got €100 for £90. BBVA wanted a fee of €7, Santander €4, Bankinter €3.95 and the awful Euronet machine £3.99 and an exchange rate of almost 1:1.
Mar 12, 2023 at 22:46
Revolut metal customer here, Zaragoza, Spain
€500 Withdrawal: ibercaja €0.75. Kutxabank : €0.00 fee.
Feb 10, 2023 at 14:47
Oct 2022 €7 charge by Caxia Bank ATM, in Lecrin Valley, Granada, Spain. Withdrawal with Wise Visa Card (Euro Account).
Dec 27, 2022 at 13:25
Ibercaja in Denia €300 on AmEx: the ATM asked to confirm a charge of €1.40 to the card issuer.
Nov 7, 2022 at 02:11
Corralejo: ING Cashzone ATM. €3.95 fee with Revolut card. LaCaxia (Caxiabank) wanted €7! There is a Banco Sabadell nearby but I suspect it will charge too. I guess the days of free ATM withdrawals are almost over.
Oct 23, 2022 at 08:47
Just took out 250 euros on monza card from ING standalone machine in Ibiza. Gave me a choice of rubbish exchange rate of 1.03 euros to GBP or 3.95 fee. Went for the fee as lots cheaper with exchange rate of 1.14-1.15.
Sep 20, 2022 at 21:45
Withdrew 50€ with German VISA card from Deutsche Bank ATM in Playa del Inglés (Gran Canaria) earlier today. It did not ask me to confirm any fees.
Aug 29, 2022 at 11:12
In Madrid, travelling from London. I wanted to use barclaycard rewards card to withdraw 100 euros. This card does not charge withdrawal fees abroad. Unicaja bank ATM lets you know that they will charge barclays bank €0.75 - not you. If not using a barclaycard rewards card, check if your card charges withdrawal fees or not.
Aug 17, 2022 at 15:09
Just went to withdraw from my Revolut Euro account.
Caixa rural 2.90 fee
Sabadell 1.80 fee
Kutxabank - No Fee
Aug 16, 2022 at 16:41
Cinkciarz.pl (Conotoxia) Visa Debit no fees at Unicaja Banco ATM (10€ withdrawal). Euronet and BBVA ~3€ fee for 20€ withdrawal so I've cancelled.
Aug 8, 2022 at 21:11
Caixa in Vigo just asked €7 for a €100 withdrawal. A pity coz Caixa was so much my go-to bank that I ran a lot of funds through them when I had Spanish residency.
Aug 2, 2022 at 14:14
Avoid Santander. The worst bank to withdraw especially if coming from a non-euro account. The best bank for me is Deutsche Bank.
Santander
EUR - AED
Withdrawal Fee - 7 EUR
Exchange Rate - 4.42
CR at that time - 3.75
Deutsche Bank
EUR - AED
Withdrawal Fee - Zero
Exchange Rate - 3.89
CR at that time - 3.75
Caixa Bank
Withdrawal Fee - 7 EUR
No Idea about the exchange rate.
BBVA
Withdrawal Fee - 6 EUR
No idea about the exchange rate
Jul 29, 2022 at 14:56
In Gran Canaria: Euronet, Santander and Cashzone all of them charging 3.95E fee on Monzo card when withdrawing in Euro.
Jul 15, 2022 at 18:18
I took out 500 x 2 "Euros from Cajero Euro Automatic" in Torreviejatoday. My card was in Euro and my money in euro. However, this bank changed my euro first to SEK and then Back to Euro. Total fees 160 Euro to take out 1000 euro. It is clearly a scam attempt.
Jul 14, 2022 at 15:30
Moraira, Alicante. Santander and Caixa both charging €7 for ATM withdrawal from a UK Nationwide debit card with no loading or fees from UK bank
Jul 6, 2022 at 14:31
Went to Kutxabank atm yesterday and withdrew 500 Euro with my Capital One no fee bank card. Although it did not say on the atm, I was charged a withdrawal fee and what shout have been 509 dollars was 523! Don't make the same mistake I did.
Jul 6, 2022 at 12:52
Madrid withdrawal of 100€ fees:
Santander - 2.8€
BBVA - 2.7€
Caixa - 2.5 €
Jun 19, 2022 at 10:30
BBVA 6 Euros, Unicaja, 14% charge, Deutsche Bank 0% fees and full pound to euro rate in Fuengirola
Jun 17, 2022 at 12:22
BBVA 6 Euros and Santander wanted 7 Euros, Sabadell was 1.80 and Kuxta bank free as of 16th June 22
Jun 1, 2022 at 09:51
Unicaja Banco - no atm fees in Spain using starling bank card (uk). Usi contactless on the atm limits withdrawal to 100€
May 28, 2022 at 14:09
How do I withdraw money from these atms?? Im canadian using a canadian card and every atm, like caixabank, asks for a code...
May 16, 2022 at 12:00
I took out Euros from Banca March ATM at Cal d'Or, Majorca with Nationwide Flexplus card. No charges.
May 15, 2022 at 16:29
Malaga, May 15 2022 - Unicaja doesn't charge any fee for cash withdrawal on visa. Debit Card from USA
May 14, 2022 at 13:15
Seville, May 13 2022 - Unicaja seems to be free for Euro 100 withdrawal. Did not get any message to confirm a commission charge; instead, was warned to reconfirm 3 times when declining the conversion rate offered between EUR and USD (though my debit card is from Canada).
This link to Unicaja website explains the ATM free charge for 2022:
https://www.unicajabanco.es/content/dam/unicaja/documentos/Mapa_Cajeros_Unicaja_Banco.pdf
May 12, 2022 at 13:25
Hi there. Has anyone any information on low charge ATM's in Ibiza? San Antonio area?
Many thanks
Apr 5, 2022 at 15:52
Murcia. Just withdrew 150€ from BBVA's ATM. It charged me 6€. What a robbery!
Mar 26, 2022 at 17:20
I was using Deutsche Bank it was great no fees good rate but it seems like they remove all the locationd and ATMs last month
Mar 3, 2022 at 14:11
I used a Caixa bank yesterday was charged 7 euros fee.. i used my Wise card, the same fee was quoted for Revolut and Monzo.. the same ATM charged me 2 euros in 2021... what the hell is going on!!!!
Jan 23, 2022 at 17:21
Santander ATM charged: 7 EURO fee, PLUS 6% premium on exchange rate from dollars to euros. They once were a partner with Bank of America with no fee or premium on exchange rate. Not the case in probably many years. NEVER again will I go near Santander.
Jan 18, 2022 at 09:52
Unicaja rip-off
Do not use the ATM from UniCaja. They don’t charge a fee, but they give a TERRIBLE exchange rate. Yesterday at the Benalmadena Costa UniCaja I went to exchange 500€ and the dollar to euro was...
Jan 11, 2022 at 19:07
The Unicaja bank machine on Diagonal in Barcelona ate my card, and when I went back the next day, they refused to give it back to me. I had to order a new card from my bank Canada... what a nightmare!
Nov 20, 2021 at 20:16
Sabadell in Barcelona charged 1.8€ for 250€ withdrawal on my revolut card
Nov 11, 2021 at 16:02
Ibercaja 500€ no ATM withdrawal fee, using TD chequing account (TD Canada Trust)
Nov 8, 2021 at 00:13
used uk visa debit card for 200€ in banca march atm oct 2021 costa teguise no fee. banco sabadell atm across road 1.85€
Oct 29, 2021 at 18:03
Hello evryone
I just withdrew money from Ing cashzone ATM in Torre del Mar 500 euro. They charge me 2,99 euro + 10%
Please avoid
Oct 28, 2021 at 15:14
Hello everyone
I just withdrew money from Caja Rural and they charged for 300€ (limited) a 1.95€ fee
Then I tried another bank, the Unicaja and I could withdraw 500€ (so no limitations) and NO FEE!!!
Felipe
Oct 17, 2021 at 15:31
Because of suggestions here, I went to a nearby IberCaja to withdraw money. For 500 euros, I was charged 3.16 euros. My bank will pick up this charge. I had been dismayed at some of the other banks' rates--big charges and lousy exchange rates so I was happy to find this thread. Gracias.
Oct 6, 2021 at 18:44
€0.54 at ibercaja in Teruel with Monzo card! €7 at Santander, no thank you...
Oct 5, 2021 at 06:50
Bankinter charged a flat 4€ on 250€ withdrawal using Barclaycard Platinum MasterCard (Free ATM Cash Withdrawals until August 2022).
Sep 29, 2021 at 13:33
Saba fell in Malaga just charged €1.80 for €110 withdrawal (Revolut card)
Sep 9, 2021 at 21:42
In Madrid Airport, I was charged 5Euro fee from ATM. I checked all ATMS and they were all charging this much. Today I withdrew from BBVA in Tenerife because in Colombia it is no fee but here in Canary Islands I was charged a 7Euro fee for withdrawing.
Sep 6, 2021 at 21:46
Santander in Santa Ponsa, Mallorca wanted €7 for €110 withdrawal. Went a few hundred yards/metres along to Bancha March and completely free (0.5% fx rate fee from card issuer as expected) using my Currensea MasterCard debit card.
Sep 3, 2021 at 19:10
I’m visiting Spain (Gran Canaria) next week!
Can anyone tell me where I can locate these atm’s (preferably the no fee/ low fee ones)?
I will be withdrawing with an American visa.
Sep 2, 2021 at 19:13
Hi Everyone,
I find this topic is very useful for someone who is from non EU and considering to withdraw cash from Spanish ATMs before arriving Spain. This is one of the important budget planning elements. I used this website page to decide whether I should prepare more EURO cash before I arrived the country.
Today I am sharing my 2nd Sep 2021 experience from Madrid. I used UnionPay debit card from Myanmar/Burma for cash withdrawal (EURO 460) and the following are the fees shown to me on the ATM screens.
1. Santander ATM ask: 7 EURO
2. Euro Automatic Cash ATM ask: 5 EURO
3. Euronet worldwide ATM ask: 3.95 EURO
4. Sabadell ATM as: zero EURO
Today I have withdrawn 1 time each from Euronet worldwide (3.95) and Sabadell (zero). Will continue with Sabadell further onwards.
Cheers :)
Aug 24, 2021 at 16:37
Just tried Santander in sitges with a Revolut card and the cash machine wanted to charge 7 Euros so I cancelled. Went to Banka March machine and no charge.
Aug 21, 2021 at 08:11
Me again. I’m now in Barcelona an August 21, 2021. CaixaBank Business charges €5! I wonder if there’s a difference between a Business branch or regular one. I will find out.
Aug 18, 2021 at 15:27
In Valencia August 2018, Santander wanted €7 to withdraw using my Revolut card. Used this page and tried IberCaja instead and they charged €0.75 which appears not to have been passed on by Revolut.
Aug 17, 2021 at 11:38
I was in Madrid August 2021 and used the ATM with Santander. I was charged €7. After reading this article I used iberCaja I was charged €O and they gave me the option of the cash denomination. Instead of two €50 bills I got five €20. This article is super useful. Thanks!
Aug 14, 2021 at 11:39
I'm Barcelona with a Dutch bank card.
I've tried few ATM and the fees (in euros) where as follow
Santander 2.90
BBVA 1.87
Caixa 2.00
IberCaja 0.73
I opted for IberCaja indeed and, as marked in someone else comment, this fee this not show in the statement at least so far
Aug 13, 2021 at 07:15
Just wanted to share my experience. Withdrew money yesterday in Palma, Mallorca from Interbank and they took 1.87€ for 40€ withdrawal. So it’s not for free! But definitely better than Santander.
Aug 12, 2021 at 13:08
Used my UK Santander card at ATM Santander and they charged me €9. Is this right .
Jul 16, 2021 at 06:32
No fee at Banca March in Ibiza this week on a Starling Euro account withdrawal - Santander wanted €7
Jul 15, 2021 at 10:41
In Burgos. Santander indeed 7 euros. I tried IBERCAJA. It said: 'Ibercaja will charge card issuer 0.68 euros. Your bank will determine whether this charge will pass onto you'. So far it has not (Halifax Clarity MC)
Jun 7, 2021 at 22:39
In Zaragoza june 2021 with a MC/Visa card from EU banks in Euro.
Ibercaja something like 0,90€
BBVA : 1,87 €
Sabadell : 1,80 €
Caja Rural de Teruel : 1,90 €
May 5, 2021 at 09:25
Went to Ibercaja ATM near Sevilla Metro Madrid last week, drew €100 with Visa card, screen said possible charge of €1,11 from my bank otherwise no other charges!
Apr 21, 2021 at 18:18
at the airport Banka/Bankia? and Caixa wanted to charge me 5e!
For U$20 the xchange rate meant I lost 3.5e; but at least not 5!
Apr 17, 2021 at 07:18
GREED/ABUSE! @Bankia Just Embezzeled €13,50, On A €100, Withdrawl ( €5,00 Fee; 8.5% Commission )!
Mar 28, 2021 at 14:08
I was charged 7 € at a Santander ATM in Salamanca on26/3/21, only withdrew 30 €.
Feb 26, 2021 at 16:13
Ibercaja are now charging 1.75 euros & Caja Rural 1.5 euros for machine use. I do not think there are any major bank free use machines left in Spain
Jan 27, 2021 at 11:02
Cant withdraw at Ibercaja with my Capital one debit card. Any info on that?
Dec 16, 2020 at 15:19
Banca Marcha also wants now 2 Euro fee as well as Cajamar Cala Rutal. Only one I found so far that still doesn’t charge you is Unicaja, ING and Deutsche Bank Espana.
Dec 10, 2020 at 00:33
Tried to withdraw 180 euros from Santander in Las Palmas today, and the fee was 7 euro.
Tom
Nov 25, 2020 at 00:04
At the establishment of the Euro, did the E.C.B. not mandate that there would be no fees for withdrawals in Euro from regulated Banks within the E.U.? Are the currency conversion rates controlled at regulated banks in E.U.?
I use Irish debit cards in Unicaja Bank in Nerja ( Malaga ) where there are no fees to date.
If using non E.U. bank cards, the wise thing to seems to be to never direct the ATM to convert the currency but to allow your own bank make the conversion.
Oct 25, 2020 at 21:32
Banca March in Yumbo Centre, Maspalomas, Gran Canaria don’t charge fees for ATM withdrawal
Oct 19, 2020 at 14:11
The above info is not accurate. I've traveled in 20+ cities in Spain in 2020 with a US debit card, and the only free ATMs I have found are:
* Bankinter
* Unicaja
* Eurocaja Rural
Sep 29, 2020 at 15:28
Caixabank in Albir, near Benidorm . Charge €2 fee today.
With no option of euros. Went auto GBP.
Second transaction I've done now. If won't happen again
I will be looking at a Transferwise account, in the future.
Aug 9, 2020 at 15:26
My dad has lived in Spain for 17 years, has his residentia, pays Spanish tax on his pension and has a personal bank account with BBVA. Even using another Spanish bank eg Santander which is close to his home they still want to charge him €6.00 which means at 81 he still had to drive 30 mins to his actual branch to get cash.
I’ve tried to get him to change banks but he doesn’t want the hassle or to be disloyal. Oh how u wish the banks realised what they do to the older generation 😢😢
Aug 3, 2020 at 12:48
BBVA near Barcelona wanted to charge €6 fee to retrieve €200 from Malaysian Debit Card. I cancelled and will give feedback here when I find a better deal.
Jack
Jul 3, 2020 at 16:18
CaixaBank charged me €2 on top in Benidorm January 2020. There also probably the inly bank you feel your giving your card to a supercomputer than an ATM!
May 13, 2020 at 13:47
Have just been to Santander ATM in Manilva and have been charged a whacking 7€!!!
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
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
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
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!)
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.
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.
Feb 17, 2020 at 09:07
Santander charged me Eur7 for a withdrawal in Jerez. Ouch! This was with a UK Starling Euro account.
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?
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.
Jan 13, 2020 at 17:00
caixa in Barcelona charged 2 eur, Kutxabank without any extra fee, perfect for me
Jan 5, 2020 at 10:00
Caixa bank charged 2 euros to draw out 300 euros on a Starling euro account card. January 2020
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.
Dec 3, 2019 at 13:17
Dears avoid BBVA at all costs! It charged me 6 euros for one withdrawal! (Madrid)
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.
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.
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Oct 9, 2024 at 07:44
In Madrid, unicaja and Kuxtabank ATMs have charged me no fees withdrawing from a U.S. bank and allow withdrawals up to €1000.