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Paying with cash is becoming less popular. Since the outbreak of the pandemic, both bank cards and mobile phones have seen a dramatic increase in usage. ATMs are now a distant memory.
Many people don't know that the ATM has a limit on how much cash you can withdraw to avoid issues with the Treasury or the Bank of Spain. Experts recommend that you have some control over your withdrawals.
Each bank sets this limit to restrict the amount of money that customers can withdraw. Although it may differ from one bank to another, it is typically around 600 euros. You can extend it if you wish, but only within the limits of the law.
The Tax Agency allows withdrawals from ATMs up to 3,000 euros according to Law 11/2021 of July 9. A receipt can be requested at the same bank to allow the client to request a higher amount. The movement will automatically be notified to the Bank of Spain as well as the Tax Agency.
However, the bank may request proof of operation and identification from users who have more than 1,000 euros. These security measures will be used to combat money laundering.
