If you’re planning a holiday to Spain, you may be wondering whether you should bring plenty of cash or simply rely on your bank card.

The good news is that Spain is now one of Europe’s most card-friendly countries. In most places, you’ll have no problem paying with a debit card, credit card or contactless payment. However, there are still occasions when carrying a little cash can make your trip much easier.

Here’s everything you need to know before you travel.

Can you pay by card in Spain?

Yes. Most businesses in Spain accept major debit and credit cards, including Visa and Mastercard. Contactless payments are widely available, and many visitors now pay using their phone or smartwatch through Apple Pay or Google Pay.

You’ll have no problem using a card in:

• Restaurants
• Bars and cafés
• Hotels
• Supermarkets
• Shopping centres
• Petrol stations
• Tourist attractions

In larger towns and cities such as Valencia, Alicante and Benidorm, many people rarely use cash at all.

When is cash useful?

Although card payments are common, it’s still worth carrying around €20–€50 in cash.

Cash is useful for:

• Small cafés or village bars.
• Market stalls.
• Beach vendors.
• Some local taxis.
• Public toilets.
• Small independent shops.

Many businesses now accept cards for even small purchases, but having a few euros in your wallet can save time if card payments aren’t available.

Is there a minimum card payment?

Some shops and cafés still have a minimum spend for card payments, often around €5 or €10.

This isn’t as common as it once was, but you may occasionally come across it, particularly in smaller businesses.

Which cards are accepted?

Visa and Mastercard are accepted almost everywhere.

American Express is less widely accepted, particularly in smaller shops and restaurants, so it’s sensible to carry an alternative card if possible.

Can you use contactless payments?

Absolutely.

Spain has embraced contactless technology, and you’ll often see local residents paying for even the smallest purchases by simply tapping their card or phone.

Whether you’re buying a coffee, groceries or a train ticket, contactless payments are quick and convenient.

Getting cash from ATMs

ATMs are easy to find throughout Spain, including at airports, shopping centres, banks and supermarkets.

If you’re withdrawing money using a foreign bank card:

• Check whether your bank charges overseas withdrawal fees.
• Always choose to be charged in euros rather than your home currency if the ATM offers the choice. This usually provides a better exchange rate from your own bank.

Some independent ATMs may charge higher withdrawal fees than bank-operated machines, so it’s worth comparing if you have a choice.

Should you exchange money before travelling?

You don’t need to carry large amounts of cash before arriving in Spain.

Many travellers simply bring a small amount of euros for their first day and then use their cards for most purchases.

If you do need more cash during your holiday, ATMs are widely available across the country.

Is cash disappearing in Spain?

Not completely.

While digital payments have become increasingly popular, cash remains legal tender and is still used by many Spanish residents, especially for small everyday purchases.

Having both a payment card and a little cash gives you the best flexibility during your holiday.

Tips for tourists

Before travelling:

• Inform your bank if required.
• Carry more than one payment card if possible.
• Keep a small amount of cash for emergencies.
• Avoid carrying large amounts of money.
• Check whether your bank offers fee-free overseas spending.

Final thoughts

For most visitors, you don’t need to rely heavily on cash while travelling in Spain.

A debit or credit card will cover almost all of your holiday spending, from restaurants and supermarkets to hotels and attractions. However, keeping €20–€50 in cash is a sensible backup for small purchases, markets or the occasional business that doesn’t accept cards.

By carrying both a payment card and a small amount of euros, you’ll be prepared for almost any situation while enjoying your holiday in Spain, whether you’re exploring Valencia, relaxing on the Costa Blanca or discovering one of the country’s many beautiful towns and villages.