# Debit Cards in Spain (2026): 6 Ranked, With Real Fees > Debit cards in Spain compared in October 2026: Revolut Standard leads (free, passport sign-up), Wise costs EUR 7 once with EUR 250 of free ATM withdrawals a month, Nickel opens at an estanco for EUR 25 a year, BBVA Aqua charges EUR 35 unless waived. Updated: October 2026 · By Jules · URL: https://www.how-to-spain.com/finance/debit-cards 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 year**unless your BBVA account waives it. Every fee below was checked on the issuer's own page or fee document. ## 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. Rank byEditor's pickLowest year-one feeLowest year-two fee (no conditions met)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. List score 92/100 ### 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 Pay with[Visit Revolut Standard](https://www.revolut.com/es-ES)List score 89/100 ### 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 Pay with[Visit N26 Estandar](https://n26.com/es-es)List score 88/100 ### 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 [Visit Wise](https://wise.com/es/card/)List score 80/100 ### 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 [Visit Nickel](https://nickel.eu/es-es)List score 80/100 ### 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 [Visit BBVA Aqua Debito](https://www.bbva.es)List score 77/100 ### 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 [Visit bunq Free](https://www.bunq.com/es) ## What does each card cost? Fees from the issuers' own pages and fee documents, accessed 2026-10-25. "Not published" means the figure could not be confirmed there. | Card | Type | Year one | Year two | Abroad (FX) | How to avoid the fee | | --- | --- | --- | --- | --- | --- | | [Revolut Standard](https://www.revolut.com/es-ES) | Debit | EUR 0 | EUR 0 | 0% | No fee to avoid | | [N26 Estandar](https://n26.com/es-es) | 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](https://wise.com/es/card/) | Debit | EUR 7 | EUR 0 | 0.5% | No fee to avoid | | [Nickel](https://nickel.eu/es-es) | 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](https://www.bbva.es) | 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](https://www.bunq.com/es) | Debit | EUR 0 | EUR 0 | The Free plan's foreign-currency terms were not captured | No fee to avoid | ## Which card fits your situation? Worked scenarios, October 2026. Rows whose winner depended on a fee QA could not confirm are left out. | # | 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. ## Change log Updated 25 October 2026 - 2026-10-25 Published: debit cards in Spain ranked by the research's commission-blind score, with fees checked on the issuers' own pages ## What Should You Read Next? [### Credit Cards in Spain 8 cards ranked, with real fees.](/finance/credit-cards)[### Travel Cards in Spain Foreign-currency fees and ATMs abroad.](/finance/travel-cards)[### Student Cards in Spain What works without Spanish income.](/finance/student-cards)[### Deposit Guarantee in Spain Which fund covers each bank.](/finance/deposit-guarantee)[### Open a Bank Account in Spain Documents and the passport-only route.](/finance/open-a-bank-account) ## 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. --- Source: https://www.how-to-spain.com/finance/debit-cards Last updated: Updated: October 2026 Format: LLM-readable Markdown twin (.md) of the canonical HTML page.