Spain ATM Withdrawal Fees as of 3/23/2026
Posted by Automatic-Speed-4908@reddit | expats | View on Reddit | 6 comments
Hi Folks-
Did a bit of research here in Seville looking for the best ATM withdrawal fees. Here’s what I found. These are current as of 23 March 2026 with a US ATM card from a credit union.
Best deal:
Abanca. No fee. They do, like all banks, offer to do the exchange for you. As always, decline this. It’s never a good deal.
Other banks
DeutscheBank : 5 euros per withdrawal
Bankinter : 6 euros per withdrawal
CaixaBank : 4.50 euros per withdrawal
CajaMar Caja Rural : 6 euros per withdrawal
CajaIngenieros : 5 euros per withdrawal
ING Cash Zone : a mindblowing 6.99 euros per withdrawal plus a strong arm attempt to take their outrageous marked up conversion rate.
MisterBill99@reddit
I'm in Malaga and went to BBVA to use their ATM. They charged a whopping € 7 to get € 100 from my Fidelity debit card. Fortunately Fidelity will refund it so I don't really care, but it's ridiculous There was a Euronet ATM at the cruise terminal which I'd avoided since people always say that they're overpriced. Checked it on the way back and it was only € 4,95 for € 150 (I didn't need more money so I canceled the transaction after seeing the fee). Of course, it wanted to do the conversion, likely at a terrible rate, but that's easy to avoid.
Impossible-Snow5202@reddit
Why not just get an account in a Spanish bank?
Automatic-Speed-4908@reddit (OP)
Im still early in the expat process, going from city to city trying to figure out what we like and where we will do our trial 3-months. But that obviously will be the plan once there.
FR-DE-ES@reddit
I live in Sevilla. I have bank card from American bank, French BNP Paribas, and German Commerzbank. At any given cash machine in town, the fee is dependent on which bank card I use.
gadgetvirtuoso@reddit
You're looking at this all wrong. You need to get yourself a bank that reimburses the ATM fees. Schwab and Mercury both do this. I know there are others as well. Schwab reimburses at the end of each month. I had a Mercury business checking account for my LLC, and they started offering free personal accounts if you had the business one. Their personal account says it reimburses within 3 days, making it better than Schwab. Basically ATM fees are irrelevant for me. I tend to only withdrawal cash once or twice a month but sometimes more. Only one bank here classifies the ATM fees incorrectly so they don't get reimbursed. I just avoid that bank and use others. For me Ecuador the banks have a daily limit of $400-600/day/card. I was able to get around this by going to a teller and having them withdrawal $1000 on each of my cards once. I didn't pay any fees on that.
hjicons@reddit
Unicaja is free as far as i know