With these banks you can get money at any free cashier

Getting money at free ATMs, without paying commissions, is one of the most common concerns, both for individuals and for self -employed and SMEs in Spain. Although most banks offer free retreats on their own network, the conditions change a lot when used ATMs from other entities or when effective is needed outside our borders.

However, the competition and boom of the Neobancos and other digital banks have completely changed the panorama in Spain. So much that today many entities offer free retreats, either thanks to agreements with other networks or through special conditions in their accounts and cards.

Many entities offer free money withdrawals thanks to special conditions in their accounts and cards

Although card and mobile payment does not stop growing, the cash remains essential for much of the population. According to data from the Bank of Spain, up to 64% continues to use metallic money for their daily purchases. Therefore, being able to access a cost without cost remains a key factor when choosing bank.

As we say, this depends on the cashiers network of our bank and the agreements that it has with other entities. As of this month of September 2025, banks such as Santander, BBVA, Sabadell, CaixaBank, Ibercaja and Neobancos such as N26 or Revolution offer that you can get free money at their own ATMs and, in some cases, in associated networks such as Euro 6000. Of course, before removing cash you have to review limits, conditions and the possible commissions that some entities may have abroad.

In fact, the organization of consumers and users, the OCU, has already published that in addition to traditional banks, there are also digital entity cards to get free money from any cashier. These are those of N26 (standard account), Myinvestor (remunerated account), Revolution (standard account), Self Bank (Self Account) and Wise (Wise Account).

This is also set for those municipalities away from where its inhabitants have to travel several kilometers to find one. Likewise, anyone is not useful, since obtaining cash from the cashier of a bank that is not the usual can cost up to three euros. One of the entities that charges a major commission is Banco Santander, with Cajamar, Deutsche Bank and Unicaja closely followed. Anyway, there are no charge for removing money.

Bankinter and Deutsche Bank, coverage leaders

Bankinter has become one of the entities with the greatest free network. Your customers can get money at more than 17,000 ATMs thanks to agreements with Deutsche Bank, Euro Automatic Cash, Cajamar Group, Banca March and Caja Rural. This allows the entity to guarantee practically national coverage without their customers having to pay anything.

Deutsche Bank also offers very advantageous conditions. In addition to their own network, customers can withdraw without commissions at Bankinter, Euro Automatic Cash, Targobank and Caja Rural. In other networks, such as CaixaBank or Cajamar, the withdrawal is free from 200 euros if a payroll or bonus card is available.

ING, OpenBank and Imagin allow free money at their own ATMs and in Euro 6000 ATM networks

The jump of digital banks has also driven what these, in the same way, can get free money from the cashier. ING, OpenBank or BBVA allow you to get money at your own ATMs without cost.

In many cases they also give access to associated networks such as Euro 6000, which groups 17 regional entities. According to the comparator Helpmycashthese types of agreements make it easier for customers to have access to ATMs in almost any municipality without paying commissions.

Special mention deserves imagin, the digital subsidiary of Caixabank. In addition to offering more than 11,000 free ATMs in Spain, it has become one of the best options to travel abroad. According to the aforementioned source, your cards allow you to get effective without currency commissions, provided that the cashier does not apply your own rate.

Revolution and N26 offer free retreats at any cashier, but with conditions

Among the Neobancos, there are two names that stand out above the rest in terms of withdrawing money without spending a euro on commissions: Revolution and N26. In the case of the first, Revolut allows free retreats in any cashier in the world up to 200 euros per month in its basic plan. Premium and Metal plans raise that limit or eliminate it, although once it is exceeded, commissions of 0.5% to 1% are applied, as described on their website.

On the part of N26, the German Neobanco offers in Spain two free retreats per month with its standard card. In their premium accounts, those withdrawals are unlimited, even abroad and without costs for change of currency.

Also, and if we are going to make a trip outside of Spain, experts such as Rankia recommend being careful. A usual practice of some ATMs is to offer the dynamic currency conversion (DCC), which shows the amount directly in euros but with unfavorable exchange rates and hidden commissions. The safest thing is to always remove in the local currency and use recognized banks.