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Tap's ultimate guide to using ATMs in Spain

How to spot a cajero automático, dodge the sneaky fees, and get euros out in Spain without a nasty exchange rate.

L
Lizzy
Dec 10, 20242 min read
Tap's ultimate guide to using ATMs in Spain

Planning a Spanish getaway? Don't let cash concerns dampen your fiesta spirit! At Tap, we're all about making your travel experiences seamless and stress-free. So, we've put together this handy guide to help you navigate the world of Spanish ATMs like a pro.

Finding ATMs in Spain

Good news: finding ATMs in Spain is much easier than finding the perfect paella. ATMs (or "cajeros automáticos" as the locals call them) are as abundant in Spain as sunshine and siestas. You'll find them:

  • At airports
  • Along bustling high streets
  • In shopping centers
  • Outside bank branches

Pro Tap Tip: Heading off the beaten path? Rural areas might be a bit trickier for ATM hunting. Pack some extra euros if you're venturing into Spain's charming countryside.

Will your card work? (spoiler: probably)

You're golden if you've got your Tap card in your wallet! Visa and Mastercards are widely accepted across Spain, as well as American Express, but be sure to check with the restaurant before settling in.

Withdrawal limits

Expect to be able to withdraw between €300 to €1,000 per transaction. But remember, your UK bank might have its own daily limit. Check before you travel.

With regards to your Tap card, most plans offer a monthly card spending limit of €15,000 and free ATM withdrawals of up to €500. The Prestige and Platinum account options offer more.

Navigating ATM fees

Let's talk about those hidden fees:

  1. Exchange rate fees: Always choose to be charged in euros. Trust us on this one – it'll save you from sneaky exchange rate markups.
  2. ATM fees: Spanish ATMs might charge a small fee (usually under €1). But watch out for those privately-owned machines – they can be pricey.
  3. Your bank's fees: Some UK banks charge for overseas withdrawals. Check your terms before you fly. (As mentioned above, Tap offers free ATM withdrawals up to €500 on most plans).

Tap's top tips for ATM triumph

  1. Airport ATMs: Convenient? Yes. Expensive? Also yes. Use as a last resort only.
  2. Bank partnerships: Check if your bank has Spanish besties. You might score some free withdrawals.
  3. Go local: Always choose to be charged in euros.
  4. Spread the love: Make fewer, larger withdrawals to minimise per-transaction fees.

Why Tap is your perfect travel companion

While we can't accompany you on your tapas tour or salsa lessons, Tap can make your Spanish spending spree a breeze. With our multi-currency account and card:

  • Spend like a local in 150+ countries (including Spain, of course)
  • Enjoy fee-free ATM withdrawals up to €500 per month
  • Get real-time exchange rates that won't break the bank
  • Keep an eye on all your transactions in real time in one convenient location - your phone.

Ready to make your Spanish adventure as smooth as possible? Download the Tap app and say "¡Adiós!" to travel money worries. Psst be sure to order your card before you leave, we’ll deliver it to your door in no time.

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Disclaimer

This article is for general information purposes only and is not intended to constitute legal, financial or other professional advice or a recommendation of any kind whatsoever and should not be relied upon or treated as a substitute for specific advice relevant to particular circumstances. We make no warranties, representations or undertakings about any of the content of this article or any content referred to by hyperlinks (including, without limitation, as to the quality, accuracy, completeness or fitness for any particular purpose of such content), or any content of any other material referred to or accessed by hyperlinks through this article. We make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

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