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ATM - no fees


New Member
Camino(s) past & future
Frances (May/June 2015)
VdlP (Sevilla to Oliva de Plasencia / April 2019)
Portugues (Apr-May 2020)
Hi there, I am from Canada and wonder if you know of a way to avoid (or minimize) those expensive ATM fees?
Will be walking in Portugal and Spain.


Staff member
Camino(s) past & future
Francés x 5, Le Puy x 2, Arles, Tours, Norte, Madrid, Via de la Plata, Portuguese, Primitivo
My bank refunds all ATM fees both locally and overseas. It seems to be an increasing trend with banks that do not have shopfronts but are only online. I'm in Australia so my bank is probably not relevant to Canada but the usual applies - shop around!


Jakobsweg Junkie
Camino(s) past & future
Le Puy 2010-11, Prague 2012, Nuremberg 2013, Einsiedeln 2015, Geneva 2017-19
It's important to note there are two sources of these traveling ATM fees: (1) your own bank, and (2) the ATM's bank. Your own bank may: (a) charge you a "foreign ATM" fee, (b) partner with certain overseas banks to not charge an additional fee, or (c) refund you any ATM fees anywhere. Those are the situations I've seen personally, your mileage may vary. The ATM's bank may: (a) charge you an "ATM use" fee, (b) participate in a partnership with your own bank to avoid or minimize certain charges, or (c) have no ATM user charge.

So there are lots of nodes of possible complexity here, and research and "cheat sheets" can be very useful. Shopping around can definitely pay off!


Camino Addict
Camino(s) past & future
Francés (2016 & 2017), Norte (2018), Francés-Salvador-Norte (2019), Portuguese (2019)
I Googled "Canadian banks no atm fees traveling", and found this article which may be helpful.



Camino(s) past & future
Francés 2017
Primitivo 2018
Madrid 2019
Kumano Kodo 2019
It's important to note there are two sources of these traveling ATM fees: (1) your own bank, and (2) the ATM's bank.
On the second of these two points: there are a series of ATMs in Portugal (and elsewhere in Europe) called Euronet. These aren't tied to banks and are found in convenience stores and other such locations, but charge high fees. In Portugal, look for MB (multibanco) ATMs instead, which will have lesser or no fees. As I live in Portugal and have a Portuguese bank card I don't pay any fees at the MB ATMs - not sure if there is a fee for overseas cards but if there is, I would expect it to be a fair bit lower than Euronet.
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Portia1 Camino Portugues 11
OLDER threads on this topic
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