Withdraw cash in Spain without ATM fees
Mostly no. Most bank ATMs in Spain charge foreign cards a fee.
Most banks charge non-customers €2–6. The fee is shown on screen before the withdrawal.
Our map shows 11,276 ATMs in Spain. 1,138 have no known operator fee, 9,382 charge one and for 756 it is unclear.
Which ATMs cost what?
| ATM / operator | Operator fee | ATMs | Confidence |
|---|---|---|---|
| Bank ATMs (default) | fee | 2,899 | medium |
| Unicaja / Kutxabank / Cajasur / Banca MarchReported without an operator fee. | free | 1,138 | low |
| Ibercaja | €0–0.75 | 365 | low |
| Banco Sabadell | €1.80 | 694 | medium |
| CaixaBank | €2–7 | 2,180 | medium |
| BBVA | €2–6 | 1,041 | medium |
| SantanderForum 09/2026 (Mallorca): €3.25 with Visa, €7.00 with Mastercard. | €3.25–7 | 1,622 | medium |
| YourCash / Cashzone | €2.99–3.95 | 85 | medium |
| Euronet | €1.95–7 | 444 | medium |
| Euronet / independent operatorIndependent operators usually charge €2 to €5 and push you towards expensive currency conversion (DCC). | €1.95–4.99 | 52 | medium |
| Operator unknownOperator not recorded in OpenStreetMap. | unclear | 756 | – |
ATMs in popular places
- Madrid
- Barcelona
- Palma de Mallorca
- Málaga
- Seville
- Valencia
- Ibiza
- Santa Cruz de Tenerife
- Las Palmas (Gran Canaria)
How to avoid fees
- Prefer the ATMs marked as free above.
- If your card is in another currency (e.g. GBP, USD or CHF) and the ATM offers a conversion, always choose euro (without conversion). The ATM's own conversion (DCC) often costs 5–10%.
- Avoid Euronet and other independent operators, especially at airports and in tourist areas.
- Withdraw a larger amount once rather than small amounts several times.
- Check before your trip what your own bank charges for foreign withdrawals.
All tips for withdrawing cash abroad →
Traveller reports
| Date | Bank | Result | Source |
|---|---|---|---|
| 2026-09-25 | Santander (Mallorca) | see source | Vielfliegertreff |
| 2026-09-25 | BBVA (Mallorca) | €2.70 | Vielfliegertreff |
| 2026-09-25 | Abanca (Mallorca) | free | Vielfliegertreff |
| 2026-09-25 | Euronet (Mallorca) | €5.95 | Vielfliegertreff |
| 2026-09-25 | Euro Automatic Cash (Mallorca) | €3.45 | Vielfliegertreff |
| 2026-08-09 | Abanca | free | Vielfliegertreff |
| 2025-10-31 | ING (Spanien) | see source | Vielfliegertreff |
FAQ
Can you withdraw cash for free in Spain?
Mostly no. Most bank ATMs in Spain charge foreign cards a fee. Most banks charge non-customers €2–6. The fee is shown on screen before the withdrawal.
Which ATMs are free in Spain?
According to our sources, no operator fee at: Unicaja / Kutxabank / Cajasur / Banca March. The map marks 1,138 ATMs with no known fee.
Which ATMs should I avoid in Spain?
Fees are charged mainly by: Ibercaja (€0–0.75), Banco Sabadell (€1.80), CaixaBank (€2–7), BBVA (€2–6). The fee is shown on screen before the withdrawal, so you can still cancel.
Should I pay in euros or in my home currency?
If your card is in another currency (e.g. GBP, USD or CHF) and the ATM offers a conversion, always choose euro (without conversion). The ATM's own conversion (DCC) often costs 5–10%.
How up to date is this?
Fees were last checked on 2026-10-31. ATM locations come from OpenStreetMap. Fees can change; what counts is the screen at the ATM.
Sources
- Travel Currency Guide: Spain (08/2026)
- Travel Currency Guide: Madrid ATM Fees (05/2026)
- Travel-Dealz: ATM Operator Fees in 80 Countries (2023, mit Leserberichten bis 2026)
- ATM Fee Saver: Travel ATM Fee Index 2026, Europa (10.06.2026)
- Vielfliegertreff: Geldautomaten außerhalb von Deutschland ohne Gebühr (Forum)
- ATM Fee Saver: ATM Fees in 51 European Countries (06/2026)
- finanzguide.at: Bankomatgebühren Österreich 2026