If you bank with an international bank, you may be able to withdraw cash for free from their partner banks. Let’s explore these three service providers to find out how they differ: International Banks You will generally find ATMs operated by one of three service providers: international banks, regional banks, and non-bank ATM operators. You can use online ATM locators for Maestro, Mastercard, Visa, American Express, and Discover to find machines that accept your debit cards and credit cards (Your credit cards in Spain will work as long as you have a 4-digit PIN code). If you have ever travelled to a country that didn't use your home country's currency, you've probably been prompted by ATMs and payment machines to choose to pay in either the local currency or your home currency.Īs we will discover in this article, you should always choose to pay in the local currency - that's euros (EUR), for the case of Spain.īoasting a developed banking sector with recognizable brands, Spain hosts a network of around 53,000 ATMs ¹. Should I Pay in Euros or My Home Currency in Spain? We detail the best options like Revolut to avoid fees when you use ATMs in Spain. In the following guide, we explain why you won't want to withdraw cash from ATMs with credit cards or with debit cards that charge foreign transaction fees. Tipping for that refreshing vermut or those crispy alcachofas fritas is all the more reason why you may need to exchange money cheaply by withdrawing cash at ATMs in Spain. While tipping is not mandatory in Spain, it is practised by locals and appreciated by wait staff who provide great service. However, if you want to stop by the nearest churro stand or gorge at the local €5 tapas bar, you may need cash on hand - especially in small towns. Notify your bank that you are going to use your card overseas, because many banks will block a card that is suddenly used abroad, suspecting a fraud.From sit-down restaurants to small corner stores, a majority of Spain's businesses accept debit and credit cards, and this preference has only accelerated since the Covid-19 pandemic.Remember your card's secret 4-digit PIN.
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