Visa and Mastercard have wide acceptance at shops and ATMs throughout Spain. You can use your debit card or credit card like you would in the UK; just look for products that waive the currency conversion fee when you spend.
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Wise is our best value travel money debit card for Spain. There's no fee to open a Wise account, and just a small delivery fee for your Wise card, with no minimum balance and no monthly charge.
You could opt for a low cost travel debit card which comes with a linked account to hold a selection of currencies - like the Wise debit card. Or you might prefer a prepaid travel money card like the Bluebird American Express debit card which can be linked to a fee free account.
The takeaway on getting money in SpainPay everything with your travel debit card and forget about hidden fees. Use your debit card to get most of your money after you arrive in Spain. You can get your first wad of cash from an ATM at your arrival airport.
In Spain you can pay in cash in almost all cases, and usually only Euros are accepted. In some cases, if the payment is made through a machine, it may be necessary to pay by card. The option to pay with credit and debit cards, mainly Visa and Mastercard, is very widespread.
These fees can be avoided by choosing a bank account that doesn't charge fees and reimburses out-of-network ATM fees and by always withdrawing local currency from ATMs. Account holders can also ask their home bank if there are partner branches or in-network ATMs in the destination country or countries.
What Should I Tell My Bank Before Traveling? Generally, you should tell your bank the locations you are traveling to and the dates/duration of your travels.
Deutsche Bank is the only major bank we found that charges no ATM fees in Spain. With regional banks, Bankinter will charge €0.50 while Banco Popular, Banco Pastor, Targobank and Caja Rural will charge €0.80. In contrast, BBVA charges the highest at €6 per withdrawal while ING's 12% fee can pile up very quickly.