Spain is a country that has it all – a fascinating history, a lively culture, and breath-taking scenery. You can explore the ancient streets of Toledo, marvel at the Moorish palaces in Granada, immerse yourself in the vibrant markets of Barcelona, and relax on the beautiful beaches of the Costa del Sol. Getting around this diverse country is much easier when you have a grasp of the local cash and cash and ATMs in Spain, and the various payment options available. Discover the financial insights that will help you navigate Spain’s vibrant culture and stunning scenery effortlessly.
You may also enjoy reading Ultimate guide on how to travel on a budget in 2025.
Where can I find ATMs in Spain?
Spain has over 21,000 ATMs available. These are run by a variety of commercial and specialised banks, including a few foreign banks as well. In cities, you’ll find plenty of them. Even in small towns, the rural bank networks have some ATMs. However, if you’re planning to go visit remote islands or far-off destinations, don’t expect to easily find them.
You can find ATMs at:
- Big airports,
- Market and town squares,
- Bustling high streets that attract tourists in every major town,
- Shopping malls,
- Food lanes,
- Branches of the bank,
- A few office buildings.
It will be difficult to find ATMs in:
- Small airports on islands,
- Bus stops in the area,
- Village interiors,
- Places of worship,
- Islandic resorts and retreats.
Best ATMs to use in Spain for foreigners
The best ATMs for foreigners to use in Spain are those owned by popular banks such as:
Kutxabank,
Sabadell,
Caixa Bank,
Unicaja, and
Network of Rural Caja banks.
There are also ATMs from international banks available in Spain, including:
ING Bank,
Deutsche Bank.
Since some ATMs in Spain can have fees, if your bank card is part of the Global ATM Alliance, you can use the Deutsche Bank ATMs in Spain to get fee-free withdrawals.
Don’t accept conversion at ATMs and withdraw only in local currency
In Spain, some ATMs may ask – Accept OR Decline Conversion (also known as With or Without Conversion, or Charge in EUR).
- If you ‘Accept’ – ATM converts your money at ATM’s set exchange rate and you pay an extra % fee to the ATM for currency conversion also.
- If you ‘Decline’ – ATM will convert at exchange rate of the bank/card logo (Visa, Master, etc.).
So, to avoid extra fees while withdrawing cash in Spain, select ‘Decline/Without’ Conversion or ‘Charge in EUR’.
If you’d like to understand more, read ATM fees abroad: Charges to use cards at foreign ATMs explained.
Can I use a foreign debit or credit card at an ATM in Spain?
Yes, many types of foreign cards are easily accepted at ATMs in Spain.
For a detailed guide, read Money and Currency in Spain.
What are the ATM opening hours?
Sure, ATMs are typically open 24/7, mainly the standalone ones.
What do they call ATMs in Spain?
“ATM” or “Cajero” is commonly used, sometimes “Caixer” is also used.
PIN type
Most ATMs in Spain require a 4-digit PIN for transactions. Some may ATMs may allow for longer PINs, but it’s not common.
You also want to get a card with a magnetic stripe, chip-and-pin as well as contactless as the swipe machines are varied across Spain.
Languages at ATMs in Spain
By default, ATMs in Spain offer two language options: Spanish and English. Not all of them offer other European language options, though some do.
If you don’t know these languages, translate the ATM screen in real time with Google Translate’s camera feature. Warning: These translations aren’t always right, so please be patient and don’t rush.
Do ATMs in Spain work similarly as other countries?
Definitely. They work and look similar to those in US, UK, Australia, India, China.
Join the discussion, read and share cash related travel experiences on ATM Fee Saver’s Community Travel Forum at Money & Travel in Europe.
What currencies can I withdraw from ATMs in Spain?
ATMs in Spain dispense only the official currency Euro (EUR). A handful of banks at some of their ATMs allow withdrawing USD and few other currencies, however, this is not very common.
ATM withdrawal limits in Spain?
ATMs in Spain have a maximum withdrawal limit per transaction of € 300 to € 2,000, with the most common being € 500 or € 1,000.
ATM Fees in Spain?
There are some fee-free ATMs in Spain. For foreign cardholders from Europe region, majority of the bank ATMs charge € 0 to € 2.9 per transaction as ATM Fees. For foreign cardholders from outside Europe, bank ATMs charge € 3 to € 7 ATM Fees. There is one bank ATM that does not charge any fees to foreign card holders in some regions in Spain.So, there are limited fee-free options in Spain for a foreign cardholder.
Apart from ATM Access Fees, there can be other potential charges to withdraw cash in Spain – something every traveller handling cash in Spain should be aware of. These are:
- Currency Conversion Fees (Accept or Decline Conversion)
- Your Bank’s currency conversion fee – Some banks charge the card holder a fee to use the card abroad. Cross check with your bank on what the charges are.
How to avoid high fees when withdrawing cash in Spain?
- Use the fee-free or lower fee ATMs in the country.
- Use the ATM Fee Saver app to find fee-free or low-fee ATMs.
- Opt for “Decline Conversion” or “Without Conversion” during ATM transactions.
- Consider getting a fee-free travel card from your home country.
- Get one Visa and one Mastercard fee-free cards as some ATMs abroad accept only Visa and some only Mastercard.
- Avoid using ATMs at the airports, sometimes they have higher fees.
For a detailed guide, read Withdrawing cash abroad? 9 best ways to save foreign ATM fees.
Ways to find fee-free ATMs in Spain?
Discover fee-free and low-fee ATMs on the ATM Fee Saver mobile app for iOS and Android. This app provides ATM PINs and details of leading bank ATMs such as ATM fees and withdrawal limits for foreign cardholders at ATMs in Spain. Moreover, its simple fee calculator helps you determine exact withdrawal charges. You can also find cash tips and tricks on the app for 160+ countries including Spain.
Download now from the App Store or Play Store.
Download ATM Fee Saver now.
Is it safe to use Spain ATMs?
Typically, yes. There are plenty of ATMs equipped with cameras and security guards. The crime rates near ATMs are relatively low. However, ATM frauds like card skimming or cameras near PIN pads exist in every country, including Spain. So cover the PIN pad when using an ATM in Spain!
To be safe, use precautions such as:
- Use the ATMs located inside bank branches instead of standalone ones.
- Avoid using ATMs on empty streets or late at night.
- Keep your card visible at all times.
- Cover the PIN pad with the palm of your hand to avoid revealing your PIN to hidden cameras.
- If you find any suspicious devices attached around the keypad area of the ATM, do not use the ATM.
- Be aware of your surroundings, if you see suspicious people, move away.
- Keep two or more cards as backup.
- If also using your mobile phone for the transaction, avoid using public Wi-Fi. Use VPN for extra protection.
Frequently Asked Questions
What to do if an ATM takes your card?
If an ATM in Spain takes your card, contact the bank (if you used an ATM inside a bank branch), they may retreive your card if you have proof of identity. You can also contact the bank’s helpline but they usually retreive and resend new cards only for their own customers. If so, you’ll need to contact your own bank and ask them to deliver a new card at home or abroad.
Fee-free ATMs and possible to withdraw cash free of cost at ATMs here?
Yes, it is possible. There are some fee-free ATMs in Spain. For foreign cardholders from Europe region, majority of the bank ATMs charge € 0 to € 2.9 per transaction as ATM Fees. For foreign cardholders from outside Europe, bank ATMs charge € 3 to € 7 ATM Fees. There is one bank ATM that does not charge any fees to foreign card holders in some regions in Spain.So, there are limited fee-free options in Spain for a foreign cardholder.
Foreign cards from US, UK, India, China, Europe, Australia accepted?
Definitely, Yes. ATMs in Spain typically accept cards from various countries, including the US, UK, Europe, Australia, and others.
Bitcoin ATMs?
Sure, Spain has around 40 Bitcoin ATMs.
Foreign bank ATMs
Bank of America: None.
Citibank: None
Barclays: Yes, a few.
HSBC: None.
Standard Chartered: None.
