For a trip to Barcelona in 2026, it is generally recommended to avoid buying large amounts of euros before you depart. Most travel experts, including Rick Steves, advise that you will receive much better exchange rates by using a local ATM (CaixaBank, BBVA, etc.) once you land in Spain. Barcelona is a highly digital city where contactless payment (Apple Pay, Google Pay, and "tap" credit cards) is the standard for almost everything from tapas bars to the Metro. It is a peer-to-peer "best practice" to carry only a small "emergency" cushion of about €50 for small vendors or tips. When using ATMs, always decline the "Dynamic Currency Conversion" (DCC) and choose to be charged in euros rather than your home currency to avoid hidden 5–10% markups. Also, ensure your debit card is from a bank that refunds international ATM fees, such as Charles Schwab, to keep your costs at the absolute minimum.