How to avoid getting ripped off when withdrawing cash in Spain.
WARNING: If you have a non Euro denominated card NEVER EVER agree to currency conversion at the ATM, you will be ripped off merciless according to terms and conditions.
As a foreigner, if you want to withdraw cash in Spain you will find that you will be charged a substantial fee even if there is no exchange involved and your home bank does not charge you for withdraws. The good news is: there are free options!
I just want to list the fees for my own and your reference. Let me know in the comments if fees are not up to date!
- 6,95€ at Banco Sanbadell (fee justifies the “BS” logo)
- 5,00€ at Deutsche Bank
- 4,95€ at Euronet (They pollute touristic areas with their ATMs and trick you into excepting extortionary fees using dark pattern. Avoid them like the plague.)
- 3,99€ at ChangeGroup
- 3,50€ at BancaMarch
- 3,49€ at Cashzone (Appears to be a Euronet competitor)
- 2,95€ at Caixa Bank
- 2,90€ at Santander (Satan, der)
- 2,90€ at Targo
- 2,90€ at Cajamar
- 2,70€ at BBVA
- 2,50€ at Caja Rural Granada
- 0,00€ at Unicaja
- 0,00€ at Cajasur
Not yet tested:
Bankinter, Kuxtabank, ING, iberCaja, Abanca
2 replies on “ATM fees in Spain 2025”
Just come back from Spain (May 2026) and used UniCaja at Conil de la Frontera with Starling card – totally free but you do need to keep your wits about you to avoid the “offers” to use their conversion rate (it is awful – 1.15 EU/GBP via Starling but ATM offered 1.01). Thanks for the very useful list.
Thank you for your comment! You are absolutely right, hence the warning about currency conversion. When in doubt never accept payment in your home currency! This applies to all ATM worldwide and when paying by card in shops.