Ways to withdraw cash on credit from an ATM using a card

You can use a credit card to access cash wherever you are, even if you don't have any funds in your account.

Almost 100% of workers have their paycheck paid into their account. This means they have to visit the bank every time they want to withdraw cash. That is why the frequent action of withdrawing cash on credit at ATMs is something we are all familiar with. Now, there are different options for making cash withdrawals using a debit or credit card. Did you know that?

Depending on the type of card you have, the ATM you use and, above all, the type of transaction that you make with your card, you may have to pay different fees for accessing cash. We explain it all to you, so you have all the information next time you take out cash at an ATM.

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Types of card and ways to withdraw cash

There are generally two types of cards: debit and credit. As the name suggests, purchases made and funds withdrawn using a debit card are immediately charged against the balance of the associated account. In other words, your account will be automatically charged what you pay, and any money you withdraw using your debit card.

In the case of the credit card, however, payments are accumulated in the credit account of the card that is charged to the bank account, usually within a month. Therefore, these types of withdrawals are on credit, which means they are easy to process. All you need to do is use your credit card to pay for purchases or withdraw cash on credit from ATMs.

However, when making cash withdrawals on credit using a card at ATMs, you must bear in mind that you may have to pay various fees. This fee has nothing to do with the type of ATM you use or where you withdraw money from. Even if you withdraw cash from a BBVA ATM, you will still be charged a fee to receive the funds on credit. What you're effectively doing is asking for a “mini-loan”.

You may be interested to know that you can use your credit card to withdraw cash from an ATM by means of either a credit or debit transaction. In other words, you can use your credit card as you would a debit card to withdraw cash from an ATM via a "real-time" debit transaction. Furthermore, if you use a BBVA ATM, you won't have to pay any fees. To perform this type of transaction, when you are at the ATM you must select the "debit" rather than the "credit" option. The ATM will prompt you to make a choice, so bear this in mind each time you make a withdrawal.

Where to withdraw cash at ATMs using your card

One of the major advantages of the credit card is, undoubtedly, the possibility of having your money anywhere in the world. BBVA works with a number of globally compatible card issuers (Visa, MasterCard, American Express, etc.). This means you can withdraw cash from practically any ATM in the world.

However, that sometimes entails additional expenses, since each ATM charges different one-off fees, for which the ATM charges BBVA and BBVA passes that on to the customer. For this reason, when using a card to withdraw funds on credit or debit, you must read the information shown on the screen or at the ATM itself carefully in order to avoid any surprises.

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Aside from the fee charged for using your card to withdraw cash from an ATM, you should also remember that if you withdraw cash using your credit card, you will be subject to the fees set out in your credit agreement. For example, there may be a fee to convert funds into a currency other than the Euro. Therefore, although a credit card might be a real life saver at a specific point in time, you must bear these additional fees in mind so the transaction doesn't end up costing you more than you'd bargained for. 

Overall, a credit card is a practical, and even necessary, tool to help you access your money wherever you are. Although a cash withdrawal may be subject to additional costs because of the fees involved, these can be offset by the different benefits.

BBVA offers its customers a wide range of cards which are intended to satisfy every customer's needs, according to their profile. The entire range of cards is available on the bank's website. It is quick and easy to withdraw money using any BBVA card. You can save money on debit withdrawal fees using BBVA's broad network of more than 6,000 ATMs, which you can locate using the BBVA ATM finder. Don't forget to ask about and compare the products your bank offers. If you have any questions, you can also contact us via the website.

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