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In forcePayment service providers: card fees, ATM fees and payment accounts (national)Last checked 11 November 2026

Fees for cash withdrawals at ATMs (Annexes 1 and 2, Circular 3/2016)

A regulatory return listed by the Banco de España (BdE), Spain.

Information on the fees for cash withdrawals at automated teller machines: fees charged by ATM owners and fees charged by card issuers (Circular 3/2016, as titled in the Bank's index of circulars, and its two annexes). Source

Official title: Información al Banco de España (Circular 3/2016): comisiones por la retirada de efectivo en cajeros automáticos

The facts

Who files
Owners of ATMs in Spain and issuers of cards or payment instruments (Circular 3/2016 addressees in the Bank's index of circulars); entities first notify whether they own ATMs or issue cards (notice form). Source
How often
Annual information plus updates: I.E. 2008.02 lists SIF document types 46 to 49 for annual information and updates from card issuers and ATM owners. Source
Deadline
Not stated on the Banco de España page or in the files read. Source
Format
Excel. Excel annexes sent as SIF documents (types 46 to 49 in I.E. 2008.02). Source
How it is filed
Filing routes recorded for the BdE: SIF (Sistema de Intercambio de Información Financiera); Banco de España Virtual Office (Sede Electrónica): 'Envío de documentación financiera' (procedure ES_BDE_C164_P90); Editran and ITW file transfer (Central Credit Register and its complementary statements); CRGWWW; EXB: register of branch offices of supervised entities. See how firms file with the BdE.
Status
In force
Group
Payment service providers: card fees, ATM fees and payment accounts (national)

Templates (2)

The tables and forms inside the return. Plain name first, the BdE's code in brackets.

  • ATM owners (Annex 1)
  • Card issuers (Annex 2)

Where the list was read: Source

Validation rules

No published validation rules were found for this return. No validation rules published on the pages checked. Source

Public data

No published data from this return was found. No data from this return published by the Banco de España was found on the pages checked. Source

Official documents (7)

The BdE's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see BdE's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Source: Banco de España (https://www.bde.es). Documents copied here are unchanged and are available free of charge on the Banco de España website. The plain-English summaries are Line4's own; the Banco de España does not endorse this library.

Last checked 11 November 2026.