Rates applied today
Cost in EUR per unit of foreign currency when paying or converting with Banco Santander, against the market reference.
| Operation | Currency | 1 × in EUR | vs reference | Status |
|---|---|---|---|---|
| Card | USD | 0.8845 | +3.00% | fresh |
| Card | GBP | 1.2013 | +3.00% | fresh |
| Card | JPY | 0.0055 | +2.99% | fresh |
Published card fee
By published card fee, Banco Santander ranks #8 of 19 banks open to new customers that we track in Spain today.
N26 publishes the lowest card fee in Spain today: 0% (vs Banco Santander's 3%). See its page →
Where these numbers come from
Card: the ECB reference rate plus the bank's published margin. Transfers: read from the bank's own published exchange board.
Compare Banco Santander with every bank in the country on the daily Spain table, check what each card charges, or price what your money is worth abroad.
Frequently asked questions
What exchange rate does Banco Santander use?
Banco Santander prices card payments via the ECB reference rate plus the bank's published margin. Rates on this page are indicative, derived from published data, and regenerate daily.
What does Banco Santander charge for card payments abroad?
Banco Santander publishes a 3% foreign-transaction fee on card payments, verified 2026-06-28.
Is there a cheaper bank than Banco Santander in Spain?
Yes — as of today, N26 publishes the lowest card fee (0%) among banks open to new customers that we track in Spain.
Rates shown are indicative, derived from each bank's publicly published data, and may differ from the final rate applied at transaction time. MyRate FX is independent and not affiliated with any listed bank. No bank pays for position; sponsored links are labeled and never alter ordering.