Can I withdraw money from my debit card in Spain?

You can use your debit card to spend or withdraw cash worldwide. Just use it in the same way you do at home, wherever you see the Visa symbol. We convert card transactions into pounds using the Visa exchange rate. When using your card abroad, you should select to pay in the local currency in order to get this rate.

Can I use my debit card at an ATM in Spain?

Using your card in Spain at an ATM

Spanish ATMs usually accept all foreign cards. Withdrawal limits at Spanish ATMs vary, but they're usually between €300 and €1,000 per transaction. Some ATMs don't even have any additional fees for foreign cards.

What is the best way to withdraw money in Spain?

It's best to focus on ATMs operated by major banks, as privately owned cash machines are likely to charge fees. There are a few other ways you can get free cash withdrawals in Spain. If you're a Santander customer, you can use one of the Spanish-owned bank's ATMs in Spain for free.

Is it better to use a debit card or cash in Spain?

For convenience it is better to use cash, as not all places accept credit or debit cards, especially in small businesses.

Which ATMs don't charge in Spain?

The best, no fee bank in Spain is Unicaja. You can draw Euros from your UK bank account without a transaction fee (verified January 2025). There are lots of Unicaja bank branches in Spain, even up in the Andalucian mountains. Just search Unicaja on Google Maps to find the closest one.

Don't use this ATM Overseas!

Which UK banks do not charge international ATM fees?

Starling Bank, Monzo, and first direct are some of the top UK banks with no foreign transaction fees. There are alternative providers in the UK that offer low-fee international spending with additional benefits like no-markup exchange rates.

Which debit card has no foreign ATM fee?

Discover® Bank

Discover doesn't charge foreign ATM network or foreign transaction fees. But Discover card acceptance can be limited outside of the U.S., Canada, Mexico and some Caribbean nations. With an HSBC Premier Checking account, customers pay no foreign transaction fees. HSBC also has a worldwide network of ATMs.

Should I get euros before going to Spain from the UK today?

A lot of people worry if they haven't exchanged their currency into Euros before their trip to Spain, but fear not! Waiting until you arrive in Spain for your trip and exchanging your money can provide you with a better exchange rate, than doing the same action in your home country.

Is it better to take out euros or use a debit card?

Always select to pay in local currency

It could cost you more than paying in the local currency. Point-of-sale currency conversion rates are set by the retail outlet and they're usually less favourable. For example, if you are in the eurozone then select to pay in euros, not pounds, at the card machine.

Does it cost to use a UK debit card in Spain?

If you use your debit card outside the UK before then, the standard foreign currency conversion fee of 2.95% will apply. This fee is non-refundable. For more information, take a look at the Fee Information Document for your account. Local banks may charge their own fees when you use one of their cash machines.

Do all Spanish ATMs charge a fee?

Some banks and ATM providers in Spain charge their own fees (also called surcharges) when you use their ATMs. Always check if an ATM charges fees before you complete your withdrawal. If you're not happy with the costs, just cancel the withdrawal and find another ATM.

How to get euros without fees?

Your bank or credit union

Banks and credit unions are often the best places to exchange currency before a trip, especially if you're an account holder. Major banks typically offer currency exchange services at lower fees than currency exchange kiosks, and some banks may even waive fees for premium account holders.

What is the cash rule in Spain?

Cash payment limit: less than you think

Since Law 11/2021, cash payments of €1,000 or more are prohibited between individuals and companies. If both are individuals, the limit rises to €2,500. These restrictions remain in place in 2025 and are aimed at curbing tax fraud and money laundering.

Can I use my contactless debit card in Spain?

FAQs about contactless payments in Spain

Debit cards, credit cards, and prepaid cards can all support contactless technology.

Is it wise to use a debit card abroad?

Debit cards are widely accepted and give you instant access to your bank account. But most have hidden charges for payments or cash withdrawals abroad, which can quickly add up. Always check with your bank to see if your debit card is fee-free. Credit cards are also widely accepted.

Is tipping customary in Spain?

Tipping in Spain is very different from tipping in North America. Rather than being expected and almost mandatory, tipping is a reward for exceptional service. It's appreciated and is commonplace across the hospitality sector, at restaurants, tapas bars, and beach clubs in places from Bilbao to Barcelona.

Should I tell my bank I'm going abroad?

It's not essential, but it helps our fraud detection systems to know in advance that you're travelling abroad. Find out how to get it at How do I get the mobile banking app?

Can I use my debit card to withdraw euros?

Debit card: US debit cards with a Visa or MasterCard logo will work in any European ATM. Use this at ATMs to withdraw a small amount of local cash. Wait until you arrive to get local currency (European airports have plenty of ATMs); if you buy local currency before your trip, you'll pay bad stateside exchange rates.

How many euros should I bring to Spain for 2 weeks?

How much you'll need for two weeks: €750-1000. Cost per day: €60-70 or USD $70-80. Sure, of course you want to see the big ones, Barcelona, Madrid, the Alhambra in Granada…

What is Tesco's euro rate today?

What is the euro rate at Tesco today? The euro rate at Tesco right now is 1.1284. You'll need to buy or reserve your euros online to guarantee this rate; the euro rate offered in your local store may be lower if you don't order online beforehand. Do you get a better exchange rate with Tesco Clubcard?

Which bank doesn't charge ATM fees abroad?

TSB, Bank of Scotland, Lloyds and Halifax all offer premium current accounts, which are fee-free to spend and withdraw from abroad but which charge a flat monthly fee instead.

What's the best debit card to use abroad?

The standard debit card that comes with a Starling Bank current account is a great choice for overseas spending and ATM withdrawals. It charges no fees for either, wherever you are in the world. ¹ And there are no fees to open/maintain an account, or to order a card.

Which bank has no ATM card charges?

IDFC FIRST Bank is the only Bank that provides unlimited ATM cash withdrawal without any fees. For “Off-Us” (other banks'), while all banks charge Rs 20 or Rs 21, IDFC FIRST Bank charges ZERO IDFC FIRST Bank is one of the only four banks which does not charge for IMPS transactions.