In Spain there are just over 43,000 ATMs. But how many of us can get free money from? Although we pay more and more by card, cash is still used and many of us end up going to an ATM from time to time. The problem is that for some, finding a bank ATM to withdraw free money is an odyssey.
In Madrid or Barcelona there is usually no shortage of ATMs, but when we leave a big city, finding an ATM becomes complicated. In the best of cases, a walk is enough, in the worst, you have to travel kilometers by car to reach one. And it may not work.
Some users end up withdrawing money from other banks' ATMs, tired of looking for one of their own, even if it costs them a small fortune. Depending on the bank that issued the card and the owner of the ATM, going to one from another entity can cost up to 2.95 euros, explain the experts at the financial products comparator HelpMyCash.com.
Some banks, however, make it easier and not only allow you to withdraw money for free from their ATMs, but also from those of other banks, so that the number of terminals that their clients can access increases. But which banks allow you to withdraw money for free from many ATMs? In the HelpMyCash comparator they have made a list of some of the best banks to withdraw money without paying commissions.
With the EVO Banco Smart Account you can withdraw free money without limit and with no minimum amount at 18,000 Spanish ATMs: those of Abanca, Bankinter, Cajamar, Targobank, Caja Rural, Caja de Ingenieros, Banca March, Deutsche Bank, ING, Euro Automatic Cash and Euronet.
In addition, any other national ATM is also free as long as the refund is at least 200 euros and the ATM commission does not exceed two euros (if it exceeds that figure, the difference is paid by the client). On the other hand, EVO customers can withdraw money for free at any ATM located abroad, with no minimums.
And so many ATMs in exchange for what? The truth is that to open an EVO Smart Account without commissions, you do not need to meet any requirements, not even domiciliate a payroll. The card also has no fees and the account has a profitability of 2.85% APR up to 30,000 euros the first year, so interest can be earned.
This neobank offers an account without commissions and without conditions and a free virtual debit card with which you can withdraw money three times a month at any ATM in Spain and the rest of the eurozone. To pay for purchases and withdraw money, you only need to associate the card with Apple Pay or Google Pay. However, customers who prefer a physical card can request one for ten euros.
N26 has more advantages. In addition to giving access to thousands of ATMs, customers of the digital bank can open a savings account at 2.26% APR with no maximum amount or pay in other currencies without currency exchange fees.
The Pibank Payroll Account allows you to withdraw money without commissions at any ATM in Spain and the world and, in addition, if an ATM charges a commission, the bank returns it. Of course, in this case, to enjoy all these advantages it is necessary to domiciliate a payroll or a pension of at least one thousand euros.
Opening an Evolution Account at Banco Mediolanum has several advantages. To begin with, the bank allows you to withdraw money four times a month for free at any ATM in the world as long as the commission applied by the owner of the ATM is a maximum of three euros. For withdrawals in Spain, only withdrawals for an amount equal to or greater than 100 euros are rewarded, while if money is withdrawn outside of Spain in a currency other than the euro, there is no minimum amount.
The Banco Mediolanum Evolution Account has no commissions, does not charge for debit and credit cards and has a profitability of 1.40% APR for a balance of up to 10,000 euros.
To enjoy all the advantages, you must have assets in investment funds, pension plans or life insurance of at least 25,000 euros and also be part of the Mediolanum A Tu Medida program, something that can be achieved by direct debiting a payroll of any amount. .
New Banco Sabadell customers who open an Online Account can withdraw money for free at all of the entity's ATMs and do not pay commissions for using Abanca, Ibercaja, Kutxabank, Unicaja, Cajasur, Caixa Ontinyent and Caixa Pollença ATMs as long as they withdraw at least 60 euros.
The Sabadell Online Account has no commissions or conditions, does not charge for cards and has a profitability of 2% APR for a balance of up to 20,000 euros. In addition, it returns 3% of the amount of direct debit bills for electricity and gas.
