Banks and ATMs in Melilla. Spain has a wide range of payment methods available for consumers and businesses. From traditional debit and credit cards to new fintech solutions, the Spanish payments ecosystem has transformed significantly in recent years.
Spain has a wide range of payment methods available for consumers and businesses. From traditional debit and credit cards to new fintech solutions, the Spanish payments ecosystem has transformed significantly in recent years.
Credit cards are one of the most widely used payment methods in Spain. The main networks are Visa and Mastercard, although American Express is also accepted at higher-end establishments. Common fees include: an annual maintenance fee (between €0 and €50), an ATM cash withdrawal fee (between 2% and 4% of the amount), and a foreign currency exchange fee (between 1% and 3%).
When withdrawing cash from an ATM that does not belong to your bank, a cash withdrawal fee is usually charged. This fee varies depending on the ATM owner and the card issuer. The average fee in Spain ranges from €0.65 to €2 per transaction. Check the specific terms of your card with your bank to avoid surprises.