Andorra, a tiny principality nestled in the Pyrenees between France and Spain, is known for its ski resorts, duty-free shopping, and scenic mountain trails. Whether you’re skiing in Grandvalira, hiking the Madriu-Perafita-Claror Valley, or exploring the capital Andorra la Vella, knowing how to manage your money is important. Andorra is largely cashless, with widespread card acceptance in shops, hotels, and restaurants, but cash can still be useful in smaller establishments and remote areas. This guide provides essential details on cash and ATMs in Andorra, including withdrawal fees, transaction limits, exchange rates, and card usage, ensuring a convenient and well-prepared visit.
Where to find ATMs in Andorra?
Andorra la Vella (the capital) and Escaldes-Engordany have the highest concentration of ATMs, especially along Avinguda Meritxell and near shopping zones, banks, and government offices. ATMs are operated mainly by Andbank, Morabanc, and Credit Andorrà. These machines generally support international cards, and many offer multilingual interfaces including English, Spanish, Catalan, and French.
Tourist Spots:
In ski resort areas like Grandvalira, Soldeu, and Arinsal, ATMs are available near ski lifts, hotels, and rental shops. ATMs are also common in tourist service areas and petrol stations. During peak season, it’s a good idea to carry some euros, as some smaller vendors or mountain cafés may not accept cards.
Rural Areas:
Andorra is small, but mountainous villages like Pal, Llorts, or Canillo may have limited ATM access. While some towns have a local bank branch, availability can vary, especially in winter. It’s best to withdraw cash in Andorra la Vella before venturing out.
Best ATMs to use in Andorra for foreigners
The best ATMs for foreigners to use in Andorra are those owned by popular banks such as:
- Andbank,
- Creand, and
- MoraBanc.
Don’t accept conversion at ATMs and withdraw only in local currency
In Andorra, some ATMs may ask – Accept OR Decline Conversion (also known as With or Without Conversion, or Charge in EUR).
– If you ‘Accept’ – ATM converts your money at ATM’s set exchange rate and you pay an extra % fee to the ATM for currency conversion also.
– If you ‘Decline’ – ATM will convert at exchange rate of the bank/card logo (Visa, Master, etc.).
So, to avoid extra fees, select ‘Decline/Without’ Conversion or ‘Charge in EUR’.
If you’d like to understand more, read ATM fees abroad: Charges to use cards at foreign ATMs explained.
Can I use a foreign debit or credit card at an ATM in Andorra?
Yes, many foreign debit and credit cards are widely accepted at ATMs in Andorra. ATMs commonly accept Visa and Mastercards. Some of them also accept Plus and Cirrus cards. Only some accept CUP, JCB, Maestro cards. Others like American Express, Diners, Discover and Rupay cards are generally not accepted.
What are the ATM opening hours?
Nearly all ATMs in Andorra operate 24/7, especially those in urban areas and near ski resorts. Machines inside retail centers may follow business hours.
What are ATMs called in Andorra?
ATMs in Andorra are generally labeled as “Caixers automàtics” in Catalan, or simply “ATM” in tourist-heavy zones. Some signage may only display the bank’s logo without explicitly saying “ATM.”
Language options at ATMs
Catalan is the primary language, but most ATMs also offer Spanish, French, and English interfaces.
If you don’t understand these languages, try scanning the ATM screen on your phone camera with Google Translate and get an indicative translation (please note – such translations can have errors).
What currencies can I withdraw from ATMs in Andorra?
ATMs in Andorra dispense only euros (EUR). There are no alternative currency dispensing options (such as USD or GBP) from the ATMs here.
ATM withdrawal limits in Andorra?
ATMs in Andorra allow foreign card holders to withdraw as much as the card’s limit, in one transaction. ATMs typically do not limit the number of transactions per day and they do not impose daily withdrawal limits for foreign card holders.
ATM Fees in Andorra
There are many fee-free ATMs in Andorra. Majority of the bank ATMs in Andorra do not charge any ATM Access Fees per transaction to foreign card holders.
Apart from ATM Access Fees, there can be other potential charges to withdraw cash in Andorra. These are:
1. Currency Conversion Fees (Accept or Decline Conversion)
2. Your Bank’s currency conversion fee – Some banks charge the card holder a fee to use the card abroad. Cross check with your bank on what the charges are.
How to avoid high fees when withdrawing cash in Andorra
Use the lower fee ATMs in the country.
Use the ATM Fee Saver app to find fee-free or low-fee ATMs.
Opt for “Decline Conversion” or “Without Conversion” during ATM transactions.
Consider getting fee-free cards from your home country.
Avoid using ATMs at the airports, sometimes they have higher fees
For a detailed guide, read Withdrawing cash abroad? 9 best ways to save foreign ATM fees.
Ways to find fee-free ATMs in Andorra?
Discover fee-free and low-fee ATMs on the ATM Fee Saver mobile app for iOS and Android. This app provides ATM PINs and details of leading bank ATMs such as ATM fees and withdrawal limits for foreign cardholders at ATMs in Andorra. Moreover, its simple fee calculator helps you determine exact withdrawal charges. You can also find cash tips and tricks on the app for 160+ countries including Andorra. Download now from the App Store or Play Store.
Safety at ATMs
Andorra is considered one of Europe’s safest destinations, with low levels of crime. ATMs are generally safe to use, especially when located in bank branches or busy commercial areas. That said, it’s always wise to take standard precautions – avoid using ATMs in deserted areas late at night, shield your PIN, and be discreet with your cash. While ATM fraud is rare, it’s good practice to inspect the machine for any suspicious attachments before inserting your card. Monitoring your account for unusual transactions during your trip adds an extra layer of safety.
FAQs
What to do if an ATM takes your card?
If an ATM in Andorra takes your card, contact the bank (if you used an ATM inside a bank branch), they may retreive your card if you have proof of identity. You can also contact the bank’s helpline but they usually retreive and resend new cards only for their own customers. If so, you’ll need to contact your own bank and ask them to deliver a new card at home or abroad.
Fee-free ATMs and possible to withdraw cash free of cost at ATMs in Andorra?
Yes, its possible. There are many fee-free ATMs in Andorra. Majority of the bank ATMs in Andorra do not charge any ATM Access Fees per transaction to foreign card holders.
Foreign cards from US, UK, India, China, Europe, Australia accepted at ATMs in Andorra?
Yes. ATMs in major cities in Andorra and international hotel chains accept many types of international cards.
Bitcoin ATMs?
There are no known Bitcoin ATMs currently operating in Andorra.
Foreign bank ATMs’ presence in Andorra
- Bank of America: No, there are no Bank of America ATMs or branches in Andorra.
- Citibank: No Citibank ATMs here.
- Barclays: No Barclays ATMs or branches.
- HSBC: No, HSBC does not operate ATM services here.
- Standard Chartered: No, Standard Chartered is not present in Andorra.
