Paying by card is always much more convenient, but not all countries allow it with the same flexibility as in Spain and we need to have cash. But what are the best options available on the market?
Although in Spain the use of the credit or debit card has spread considerably in recent years, but this is not the case in other countries or when we visit smaller cities, where cash is still a widely used method of payment. But how can we withdraw money in other countries without having to pay commissions?
Neobanks, like N26 or Revolutare always an excellent option. But, in addition, in traditional entities we can also find some cards that allow us to do the same for free. We will tell you about some of the most interesting options that we can find.
Neobanks
The emergence of neobanks In our country, they have allowed us to have access to new banking entities that offer us all kinds of services with a single common denominator: they base all their operations in the online environment. The best known are Revolut or N26, although there are other platforms that are increasingly better positioned, such as Trade Republic.
- To travel abroad, Revolut is one of the best options we can find. As you know, this neobank has different conditions depending on the plan we are subscribed to. In this article we are going to refer to the standard plan, which is free and can be contracted by any user. In this case, the company offers us up to 200 euros or 5 withdrawals, whichever comes first, completely free of charge at ATMs located abroad. Once this amount is exceeded, we will have to pay a commission of 2% or 1 euro. If this limit is too tight, we have plans that allow us to withdraw up to €2,000 free of charge in exchange for a subscription.
- N26 It is another option that we must take into account. The amount of money that we can withdraw for free It will depend on the plan that we have contracted and the country we are visiting. As a general rule, this neobank offers us Three free withdrawals per month in euros throughout Europe. If we fall short with the number of withdrawals, we can choose to subscribe to higher plans. We can consult all the conditions at this link.
- Trade Republic offers free cash withdrawals worldwide for amounts over 100 euros, making it a good option if we want to travel with peace of mind and without limits.
Traditional banks
Beyond neobanks, some traditional banks also offer us options that can be very interesting when we need to withdraw money from abroad. In the case of BBVA, For example, we have the option of Travel Pack. Starting from 2.99 euros per month, we can have a monthly cash withdrawal at ATMs free of charge. For 14.99 euros, we can enjoy unlimited cash withdrawals.
EVO Bank tIt also offers the possibility of withdrawing money from abroad free of charge with the Smart Card. There is no minimum amount and as many times as we want, from any country. We also have the case of Deutsche Bank,
However, we must always keep in mind that it is one thing if our bank does not charge any type of commission for the withdrawal, but it is possible that the ATM company in question does charge this commission. This usually happens with some owner entities of these ATMs, which choose to charge us a fee for use. However, in all cases they must inform us of the commission they would charge and we can cancel the operation at any time until we find a free ATM.
