Santander Zero credit card for ATM use in Spain

penners324

Just spend on the debit or credit card and don't bother with cash....

penners324

NoodleDoodleMan said:

Is there a Chase UK credit card on offer ?

I can't find any reference online.

No just a current at the moment 

Ganga

penners324 said:

Just spend on the debit or credit card and don't bother with cash....

A bit awkward when you want to tip the cleaner and the barman who has looked after you on holiday as well as the bell boy and possibly the driver of the car on your private transfer 

Marchitiello

Deleted_User said:

Marchitiello said:

Gerry1 said:

Forget Santander, just use a Barclaycard Rewards credit card.  No fees for cash withdrawals, no interest on cash withdrawals if paid in full by the due date (very unusual) and 0.25% cashback on all purchases at home and abroad and no annual fee.  It doesn't get much better than that !

Of course, you need to watch out for fees charged by local banks, but that's always the case.

As the other user has stated, Santander ATM in Spain are widely available and there are no ATM fee with a Santander Card.

right now, a better option would be the Chase Debit card  for spending (1% cashback) and Santander Debit Card for cash withdrawals with zero fees. 

The local surcharge free usage is with their debit cards - I've not seen anything specific about their credit cards.

Santander Zero is not charged a fee at Santander ATM worldwide , not sure about other cards type, however I still suggest using a Santander Debit Card for no fees or interest. 

Another consideration for the user that talked about using Barclaycard Rewards, is that being a Visa it carries a worst exchange rate then a MasterCard, thus a Santander Debit Card or even a Chase UK Debit Card (if in known if a fee free ATM from other Spanish  Banks) is a better option.

NoodleDoodleMan

There are several debit cards, other than Chase UK, which don't charge ATM fees in Spain (and elsewhere) - the trick of course is to find ATMs that don't impose their parent bank useage fee - and these are getting fewer and fewer from what is being reported.

Metrobank (not worldwide), Starling and Monzo (fee free monthly withdrawal limits apply) come to mind, I believe Virgin and Barclays also offer similar accounts.

[Deleted User]

Marchitiello said:

Deleted_User said:

Marchitiello said:

Gerry1 said:

Forget Santander, just use a Barclaycard Rewards credit card.  No fees for cash withdrawals, no interest on cash withdrawals if paid in full by the due date (very unusual) and 0.25% cashback on all purchases at home and abroad and no annual fee.  It doesn't get much better than that !

Of course, you need to watch out for fees charged by local banks, but that's always the case.

As the other user has stated, Santander ATM in Spain are widely available and there are no ATM fee with a Santander Card.

right now, a better option would be the Chase Debit card  for spending (1% cashback) and Santander Debit Card for cash withdrawals with zero fees. 

The local surcharge free usage is with their debit cards - I've not seen anything specific about their credit cards.

Santander Zero is not charged a fee at Santander ATM worldwide , not sure about other cards type, however I still suggest using a Santander Debit Card for no fees or interest. 

Another consideration for the user that talked about using Barclaycard Rewards, is that being a Visa it carries a worst exchange rate then a MasterCard, thus a Santander Debit Card or even a Chase UK Debit Card (if in known if a fee free ATM from other Spanish  Banks) is a better option.

Unlike their debit cards; this isn't an advertised feature; only that the card issuer i.e. Santander UK doesn't charge. .

As for the difference between Visa and Mastercard. Visa rates aren't always inferior to Mastercard and when they are it's often very small for the average holiday maker.