Скачать или смотреть BBVA Card at CaixaBank ATM: Surprise Fee?! (Spain 2025) | Avoid DCC & Save

I tested a BBVA debit card at a CaixaBank (CAIXA) ATM in Spain and got hit with a fee. In this video I show you the exact screens, what that surcharge means, and how to minimise ATM costs—including the one setting most people get wrong (DCC). If you use BBVA, Santander, ING, or any Spanish/foreign card at another bank’s ATM, this will save you money.
What you’ll learn
Why BBVA cards can be charged at CaixaBank/other-bank ATMs
The difference between owner surcharge vs FX/DCC markup
Which button to press: “Charge in EUR” (skip conversion)
How to test fees safely before withdrawing more
My low-cost setup for cash in Spain
Chapters
00:00 What happened at the CaixaBank ATM
00:45 Spain ATM fees 101 (surcharge vs DCC)
02:10 Live walk-through of the fee screen
03:20 The one choice that avoids extra FX costs
04:50 Tips to reduce/avoid ATM charges
06:10 My final recommendation
My setup (helps avoid nasty surprises)
• Keep a EUR balance and withdraw in EUR (no conversion)
• Use a card that shows fees up front and avoids DCC
👉 Open Wise & get multi-currency with EUR balance: https://wise.prf.hn/click/camref:1110...
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Pro tips
Bank-owned ATMs often allow no DCC if you pick EUR; independent ATMs push conversion hard.
If a fee is shown, try a different bank’s ATM nearby—fees vary by network and machine.
New videos Tue & Fri (Europe/Madrid) + Shorts during the week.
#Spain #ATM #BBVA #CaixaBank #Fees #DCC #Wise #Granada #TravelMoney