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ATM FEES

ELHS220

Active Member
Camino(s) past & future
Francés - 2015
Francés - 2017
Norte (Oviedo Costa) - 2018
Finisterre/Muxía - 2018
#1
I did the Francés in 2015 and again in 2017 and rarely had to pay an ATM fee. I am now doing the Norte from Oviedo/Avilés to Santiago and was rather shocked to find that a €5 fee is the norm no matter whose machine you hit. I am currently in Luarca and I happily stumbled upon a CAJA RURAL ATM that charged me NOTHING. Needless to say, I will be on the lookout for them from now on!!
 

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Colopalm

New Member
Camino(s) past & future
Camino Frances Desde SJPdP September 2016
#2
Thanks for sharing. I am on the Frances and was charged 5€ this morning. I'll watch for Caja Rurals for the next withdrawal.
 
Camino(s) past & future
Francés 2014
#4
Darn it! It was free when I was last in Spain in 2014. Bummer. Guess I’ll be taking my max each time to minimize the hit on atm fees!
 

Vacajoe

Traded in my work boots for hiking ones
Camino(s) past & future
Camino Aragones, Camino Frances, Finisterre (2018)
#5
Realize, though, that the fee-free ATMs MAY add that cost on via a poorer exchange rate on the money you take out PLUS your own bank may add a fee. Deutschbank ATMs also don’t charge. As the saying goes, there’s no such thing as a fee-free lunch...

(And yes, I AM aware of Schwabb’s debit card, Aspire’s online banking, etc. but there are plenty of other posts on that topic...)
 

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scruffy1

Veteran Member
Camino(s) past & future
Holy Year from Pamplona 2010, SJPP 2011, Lisbon 2012, Le Puy 2013, Vezelay (partial watch this space!) 2014; 2015 Toulouse-Puenta la Reina (Arles)
#6
Our banks here in Israel l-o-v-e-d you to use the ATM abroad, unless otherwise specified, all such transactions were calculated in dollars so the the banks added on to their basic service charge a fee for exchanging the Euros withdrawn into dollars then another fee to exchange the sum into our local currency Shekels. Nasty. I am told that there may be some pleasant bank clerks somewhere, if you can find one at your own bank do try and discover the policies regarding ATMs abroad. And yes, Vacajoe is correct, banks l-o-v-e to gerrymander the exchange rates.
 
Camino(s) past & future
French, North, Original and from Andorra through the Pyrenees.
All With mi Burro
#7
I use librebank here Cantabria, no transaction or exchange fees with British debit cards.
 
Camino(s) past & future
2035 km of the way to Saint James in Galicia done.
#8
This has been discussed recently in another thread. There has been a change in Spanish law in recent years.
  1. Spanish bank customers may have to pay a smallish fee for withdrawing cash at an ATM in Spain, depending on who their bank is and to which bank the ATM belongs.
  2. Customers of an EU bank may have to pay the same small fee or nothing at all, in any case there's some EU regulation about this.
  3. Customers of banks located outside of Spain and the EU are subject to different rules. Note that the fee may also depend on how often you withdraw cash per month and on the sum you withdraw. For typical amounts, ie a few hundred euros, the withdrawal fee seems to vary between 0 and 6 €, depending on ATM bank (and perhaps debit card issuing bank).
Here's an up to date list for Spanish bank customers withdrawing cash from an ATM in Spain (footnotes not included). Withdrawal fees may be much higher if you belong to the third category of bank customers (customer of a bank not located in EU):

Bank fees.jpeg
 
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Camino(s) past & future
Frances
#9
In 2016 I hiked the CF. I was pleasantly surprised to discover that Santander was not charging a fee at their ATMs. I was using a CapitalOne360 card because it doesn't charge ATM or conversion fees either (U.S.) Does anyone know if Santander now charges fees? Santander does have a presence in the U.S. if that makes any difference.
 
Camino(s) past & future
2035 km of the way to Saint James in Galicia done.
#10
Does anyone know if Santander now charges fees? Santander does have a presence in the U.S. if that makes any difference.
Posted 10 days ago:
I spotted a Santander bank in Fromista, which I knew could be used for a withdrawal. Santander's charge for the withdrawal was 6 euros.

But nobody knows details about their fee structure. Just that one person from the States was charged 6 € recently by Santander for withdrawing cash from an ATM.

As far as I understand it, the ATM bank can charge the debit card issuing bank who can pass all or part of the withdrawal fee to the customer. The number of combinations of banks and therefore potential differences in what one actually has to pay must be staggering. :cool:
 
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Camino(s) past & future
(2018)
#11
If you can open an account with Charles Schwab, they reimburse all fees paid. They do this monthly at the end of the month. I saw that posted somewhere on this site some time ago. I opened an account with them and was told this is true.
 

ELHS220

Active Member
Camino(s) past & future
Francés - 2015
Francés - 2017
Norte (Oviedo Costa) - 2018
Finisterre/Muxía - 2018
#12
Realize, though, that the fee-free ATMs MAY add that cost on via a poorer exchange rate on the money you take out PLUS your own bank may add a fee. Deutschbank ATMs also don’t charge. As the saying goes, there’s no such thing as a fee-free lunch...

(And yes, I AM aware of Schwabb’s debit card, Aspire’s online banking, etc. but there are plenty of other posts on that topic...)
The card I am using is the UBER card through Barkley Bank. There is no foreign exchange conversion fee. The rate has been about $1.18 not counting the €5 rip-off. The Caja Rural hasn’t posted yet.
 

ELHS220

Active Member
Camino(s) past & future
Francés - 2015
Francés - 2017
Norte (Oviedo Costa) - 2018
Finisterre/Muxía - 2018
#13
I did the Francés in 2015 and again in 2017 and rarely had to pay an ATM fee. I am now doing the Norte from Oviedo/Avilés to Santiago and was rather shocked to find that a €5 fee is the norm no matter whose machine you hit. I am currently in Luarca and I happily stumbled upon a CAJA RURAL ATM that charged me NOTHING. Needless to say, I will be on the lookout for them from now on!!
I am afraid that I misspoke in the above post. In checking my on-line bank and credit card statements, I discovered that the above transaction at the Caja Rural was made (IN ERROR!) via a credit card CASH ADVANCE rather than a bank ATM card WITHDRAWL. This MIGHT be the reason that no fee was taken, but I am not completely sure about it. In any event, although there was no fee from Caja Rural, my credit card bank charged me a $10 CASH ADVANCE FEE. All the more reason that I maintain that banks are nothing more than LEGAL THIEVES. Next time I need cash though, I will give CR another whirl making sure to use my ATM card.
 
Camino(s) past & future
Sarria - Santiago 2016 Camino Ingles Oct 2018
#14
If you can open an account with Charles Schwab, they reimburse all fees paid. They do this monthly at the end of the month. I saw that posted somewhere on this site some time ago. I opened an account with them and was told this is true.
Charles Schwab is the way to go for US residents. They have never missed reimbursing me for all ATM fees. Opening an account is easy online also.
 

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