Debit Cards in Spain (2026): 6 Ranked, With Real Fees
Jules
Editor
Updated: October 2026 | Found helpful by 4 others
As of October 2026, the highest-scoring debit card in Spain is Revolut Standard (92/100): free, opened with a passport, with EUR 200 or five free ATM withdrawals a month. Wise costs EUR 7 once and gives EUR 250 of free withdrawals a month; Nickel opens at an estanco with ID only for EUR 25 a year. BBVA Aqua Debito charges EUR 35 a yearunless your BBVA account waives it. Every fee below was checked on the issuer's own page or fee document.
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Which Debit Cards in Spain Score Highest?
How we ranked: the research's 100-point debit score: cost (25), ATM withdrawals (20), foreign-currency fees (15), access without Spanish paperwork (15), acceptance (10), app and English (10), transparency (5). The reference reader spends EUR 12,000 a year, EUR 2,400 of it outside the euro, with 24 ATM withdrawals of EUR 100. Commission never enters the score.
Sorting reorders the offers below. Filters grey out offers that do not match; none are removed.
Our overall pick below is Revolut Standard, EUR 0 a year.
Revolut Standard
Revolut debit card from Revolut Bank UAB (Lithuania)
Pros
- Opens in minutes with a passport, before you have an NIE
- Free ATM withdrawals up to EUR 200 or five withdrawals a month on Standard
Cons
- Above the monthly allowance, withdrawals outside Spain cost 2%; in Spain Revolut only passes on a fee the ATM operator charges it
- Extra foreign-exchange fees at weekends
- Fees: EUR 0 a year
N26 Estandar
N26 debit card from N26 Bank SE (Germany)
Pros
- German bank: deposits covered up to EUR 100,000 by the German guarantee fund
- English app and support
Cons
- The research's 0% foreign-currency fee and 3 free ATM withdrawals could not be confirmed on n26.com in QA (October 2026)
- No cash deposits
- Older accounts may still have a German IBAN
- Fees: not published a year
Wise
Wise debit card from Wise Europe SA (Belgium, e-money)
Pros
- Mid-market exchange rate
- EUR 250 a month of free ATM withdrawals
Cons
- Above EUR 250 a month, ATM withdrawals cost 2.69% of the amount over EUR 250
- Balances are safeguarded, not covered by a deposit guarantee
- Fees: EUR 7 then EUR 0 in year two
Nickel
Nickel payment account and debit card from Financiere des Paiements Electroniques (France, BNP Paribas group)
Pros
- Opens with ID only (DNI, NIE or passport), with no address or income proof
- Spanish IBAN on the spot, at 2,300+ Puntos Nickel or online
- Cash deposits and withdrawals at Puntos Nickel (estancos)
Cons
- Cash deposits at a Punto Nickel cost 2.5% (the first one at activation is free); withdrawals there cost EUR 0.50
- EUR 1.50 per card payment outside the euro on the standard card
- Funds are safeguarded in segregated accounts, not covered by the FGD
- Fees: EUR 25 a year
BBVA Aqua Debito
BBVA debit card
Pros
- Free withdrawals at 4,500+ BBVA ATMs
- No fee on up to EUR 300 a month of non-euro spending
Cons
- EUR 35 a year unless your account and products waive it (the research had it as free)
- Needs an NIE
- Fees: EUR 35 a year
bunq Free
bunq account with a virtual debit card on the Free plan, from bunq B.V. (Netherlands)
Pros
- Dutch bank with fast online onboarding
- English-first app
Cons
- The Free plan includes no physical card, only one virtual card (bunq price list, 15 October 2026)
- No Spanish branches
- Fees: EUR 0 a year
What does each card cost?
| Card | Type | Year one | Year two | Abroad (FX) | How to avoid the fee |
|---|---|---|---|---|---|
| Revolut Standard | Debit | EUR 0 | EUR 0 | 0% | No fee to avoid |
| N26 Estandar | Debit | not published | not published | QA could not confirm the fee on the issuer's site on 25 October 2026 (decision D9) | No published waiver |
| Wise | Debit | EUR 7 | EUR 0 | 0.5% | No fee to avoid |
| Nickel | Debit | EUR 25 | EUR 25 | Not a percentage: EUR 1.50 per non-euro card payment on the standard card | No published waiver |
| BBVA Aqua Debito | Debit | EUR 35 | EUR 35 | Free up to EUR 300 a month of non-euro spending; the fee above that was not captured | Waived depending on the account linked to the card and the products you hold with BBVA |
| bunq Free | Debit | EUR 0 | EUR 0 | The Free plan's foreign-currency terms were not captured | No fee to avoid |
Which card fits your situation?
| # | Situation | Best answer | Runner-up | Why | Ruled out |
|---|---|---|---|---|---|
| 3A-L2-1 | Arrives tomorrow with a passport only, needs a card and a Spanish IBAN on day one | Nickel | Correos Prepago | Opens at an estanco in about 10 minutes for EUR 25 a year, with a Spanish IBAN | BBVA and ING (NIE needed); Revolut (the physical card has to be shipped) |
| 3A-L2-2 | Non-EU master's student with no income who wants free app banking | Revolut Standard | N26 Estandar | Passport onboarding, free plan, English support | Bank debit cards (an NIE comes first) |
| 3A-L2-3 | Resident for whom branches and free ATMs everywhere matter | BBVA Aqua Debito | ING (with an ING account) | Free withdrawals at 4,500+ BBVA ATMs; the EUR 35 card fee can be waived depending on the linked account | bunq Free (no physical card) |
| 3A-L2-5 | Resident paid in US dollars who holds several currencies | Wise | Revolut | Multi-currency balances at the mid-market rate, about 0.5% per conversion | Bank debit cards |
| 3A-L2-8 | 60-day work trip with no ties to Spain | Revolut Standard | Wise | Instant, free, disposable virtual cards | Any bank debit card |
Which Debit Cards Open Without Spanish Residence?
Bank debit cards in Spain come with a Spanish account, which needs an NIE. These cards do not require Spanish residence, as of October 2026:
- Revolut Standard: Opens in minutes with a passport, before you have an NIE.
- Wise: Mid-market exchange rate.
- Nickel: Opens with ID only (DNI, NIE or passport), with no address or income proof.
Frequently Asked Questions
Which debit card has free ATM withdrawals in Spain?
BBVA Aqua Debito is free at 4,500+ BBVA ATMs. Revolut Standard gives EUR 200 or five free withdrawals a month, and Wise EUR 250 a month, then 2.69% of the amount above (October 2026). Nickel charges EUR 0.50 at its own Puntos Nickel; at other banks' ATMs in the euro area only the ATM operator's fee applies.
Can I get a debit card in Spain with just a passport, no NIE?
Yes. Revolut and Wise open in their apps with a passport, and Nickel opens at an estanco with a DNI, NIE or passport and no proof of address or income (October 2026). Bank debit cards need an NIE first.
Is money on Wise or Nickel protected like a bank deposit?
No. Both are e-money or payment institutions: they safeguard your money in segregated accounts, but no deposit guarantee fund covers it. Revolut, N26 and bunq are banks covered by their home country's scheme.
Sources
- Revolut Espana: pricing plans (confirmed in QA) (accessed 2026-10-25)
- Wise: card fees (confirmed in QA) (accessed 2026-10-25)
- Wise: tarjeta (accessed 2026-10-25)
- Nickel: fee information document, from 1 July 2026 (accessed 2026-10-25)
- BBVA: Tarjeta de debito Aqua (confirmed in QA) (accessed 2026-10-25)
- bunq: price list, Spain, updated 15 October 2026 (accessed 2026-10-25)
Change log
Updated
- Published: debit cards in Spain ranked by the research's commission-blind score, with fees checked on the issuers' own pages