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Using your Bank of America ATM card in Spain

If you used your BOA ATM card in Spain to withdraw cash within the last 3-4 months, I'd like to hear from you and know about what charges. Like is there a flat fee only from BOA, or the ATM bank, etc. and what it was.

I've read multiple things from BOA's website to other forums to travel websites in general and when one says there are charges, another says there are not. Too many posts are outdated by 2+ years so I'm looking for something recent. BOA's website is conflicting and confusing.

This is kind of important since we're going to be in Spain for 3+ weeks and will regularly need euros.

At the risk of sounding rude, I'd only like to hear from just BOA customers ATM experiences in Spain. I'm not interested in hearing how such and such bank charges no fees, etc.

Posted by
1178 posts

contact the bank to advise you are going to be traveling. I am as of tomorrow. I was told that in Spain Deutsch (spelling} bank is a no charge and in England, Barclays is a no charge transaction. However, I am not sure of the hidden charges in their exchange rate.....There is usually a limit of the amount to be withdrawn in a twenty four hour period. I just go by the first thing each morning and make a withdrawal. There is no limit on charges at stores, however.

Posted by
13 posts

We've already notified BOA of our travel plans and increased our daily ATM withdrawal allowance, so we're good there.
I've read the same thing about Deutsch bank being in the same alliance as BOA but I've also seen stuff to the contrary and 2 other banks named as part of the alliance. So much (mis)information on the web these days and it's outdated fast. That's why I'm hoping to hear from someone who actually was there and used a BOA atm card to get cash.

Posted by
48 posts

The following is available on the BofA website.

Traveling Internationally?
Use your Bank of America ATM or debit card at one of our International partner ATMs and avoid the non-Bank of America ATM $5 usage fee for each withdrawal, transfer or balance inquiry1 as well as the ATM operator access fee.
Barclays United Kingdom (England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands)
ABSA (South Africa)
BNP Paribas (France)
BNL D’Italia (Italy)
Deutsche Bank (Germany and Spain)
UkrSibbank (Ukraine)
TEB (Turkey)
Scotiabank (Canada, Peru, Chile, and the Caribbean countries: Anguilla, Antigua & Barbuda, The Bahamas, Barbados, British Virgin Islands, Cayman Islands, Dominica, Dominican Republic, Grenada, Jamaica, St. Maarten, Puerto Rico, Saint Kitts & Nevis, Saint Lucia, St. Vincent & The Grenadines, Trinidad & Tobago, Turks & Caicos Islands, and US Virgin Islands)
Westpac Bank (Australia and New Zealand)
China Construction Bank (Mainland China, excluding Hong Kong)
Banco Santander (Mexico)
Bank of America will assess an international transaction fee of 3% of the converted US dollar amount.2 Foreign ATM operators may offer to do your currency conversion for you, but they may charge a higher fee for conversion. To insure that your currency conversion does not incur a fee higher than 3%, you may refuse the ATM operator's offer to convert the amount of the transaction.

1 Some international partners have limited functionality and may not offer access to your savings account or offer transfers and inquiries.

2 This fee is assessed as a separate transaction fee on the posting date of the withdrawal. The international transaction fee may be waived for certain account relationships. Your deposit account statement will reflect the U.S. dollar equivalent of your foreign ATM withdrawal.

Posted by
13 posts

Thanks for the reply, I saw that too but as I mentioned I've seen in multiple places on the net where this information is contradicted. I even heard it from a BOA rep the other day when we called to let them know we were using the BOA debit card in Spain.
This is why I asked specifically for anyone who had recent experience. That will help me understand what is really true or not.

Posted by
16895 posts

I think you are planning to use your BOA card, not looking at other options, so you will find out with your first transaction (upon checking your bank statement online). If there is a flat fee, then taking out the largest withdrawals possible is the best solution, which is what I would do in any case. Ask for your daily withdrawal limit to be raised so that you can get at least $500/€450 per day and stash it in your money belt. Most European bank ATMs don't add a separate fee, that I recall, but "private" ATMs do. Our guides use DeutscheBank in Spain as a preferred source to withdraw cash using our BOA corporate cards, because they usually need large amounts and DB may give out as much as €1000 euros in a single transaction (even more in Italy).

Posted by
15 posts

Hi there -

I don't know when you're going but I'll be in Spain in June. I can let you know of my BOA experience then. I'm going to Europe for 16 nights and have literally pre-paid for everything (except hotels & non-tour food) and I haven't noticed any foreign transaction fees. Most locations charged in euros and I didn't see any additional fees, however I don't know about money withdrawal. I will be primarily using my BOA bank card as well and I have 2 credit cards as back up in case anything happens. I'm sorry I'm not the person to answer as I'll be traveling in the next few weeks, but I'm also intrigued to see what others have to say.

Good luck!

Posted by
13 posts

Thanks for the reply and offer. We're going next week so maybe I'll be posting here and letting you know what to expect.