Accessing money when you walk the Camino de Santiago

Walking the Camino de Santiago is an experience filled with simple pleasures, but practical considerations like accessing money are still essential for a smooth journey. Managing finances on the Camino can seem daunting, especially if it’s your first time walking through rural Spain, but you can avoid any financial hiccups along the way with some preparation and by keeping an eye on what you spend each day.

Although Spain is modern and card-friendly, many parts of the Camino, especially smaller villages still operate on a cash-only basis. In larger towns and cities like Pamplona, León and Santiago de Compostela, there are plenty of ATMs and cards are widely accepted in shops, restaurants and hotel accommodation. Smaller towns have limited options and some of the smaller establishments will only accept cash.

You need to always be aware of the money that you will need in the days ahead, as there will times when you will be walking for a few days without any ATM access. Planning your budget in advance helps ensure you carry just the right amount of cash and make timely ATM withdrawals.

It is a good idea to always carry around 200–300 euros, but this depends on how much money you are planning to spend on meals and extras. You will need cash to buy food and other supplies, and you can get cash from various ATMs en route.

Digital wallets and mobile payments

Digital wallets like Apple Pay and other mobile payment options are gaining traction in Spain but may still be limited along the Camino, especially in smaller towns and family-run businesses. If you prefer using a digital wallet, you’ll likely find it most useful in larger cities.

Currency exchange

Avoid currency exchange counters as they often charge higher fees and offer less favourable rates. Stick with ATMs, which generally offer competitive exchange rates. Additionally, when withdrawing cash, you may be asked whether you want the transaction “with conversion” (in your home currency) or “without conversion” (in euros). Opt for “without conversion,” which allows your bank to handle the currency exchange, often giving you a better rate.

Inform your bank about your trip

If you don’t inform your bank about your trip beforehand then it is possible that the bank may block your card. Sometimes the bank will assume that your card has been stolen and will take measures to safeguard your money. Before you leave, let your bank know where you are travelling and the dates you will be away.

Find out about international charges

Before leaving for the Camino it is a good idea to speak to your bank about international money withdrawal charges when using your credit cards as this is usually seen as a cash advance and extra charges will occur. Also, get an idea of the foreign transaction fees you will be charged as these can also add up.

Check which cards are accepted

American Express and Diners Club cards are not widely accepted on the Camino.

Accessing money on the Camino de Santiago is manageable with a bit of preparation. A balanced mix of cash and cards, along with a few safety precautions, will make for a more relaxed and enjoyable journey. Planning ahead allows you to focus less on financial logistics and more on the incredible experience of the Camino itself.