{"id":5708,"date":"2025-04-23T15:52:10","date_gmt":"2025-04-23T13:52:10","guid":{"rendered":"https:\/\/www.avafin.es\/?p=5708"},"modified":"2025-08-29T12:21:15","modified_gmt":"2025-08-29T10:21:15","slug":"comissions-caixers","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/bloc\/comissions-caixers","title":{"rendered":"Comissions en caixers: quant pagues realment en treure diners i com evitar-ho"},"content":{"rendered":"<p>Encara que vivim en plena era digital, el <strong>diners en efectiu<\/strong> segueix sent fonamental al nostre dia a dia. Ja sigui per pagar en petits comer\u00e7os, dividir comptes o simplement tenir una mica de liquiditat, tots en algun moment necessitem <strong>utilitzar un caixer<\/strong>. Tot i aix\u00f2, aquesta acci\u00f3 aparentment senzilla pot venir acompanyada d&#039;un cost inesperat: les <strong>comissions caixers<\/strong>.<\/p>\n\n\n\n<p>Aquestes comissions varien segons el banc, la xarxa de caixers i si ets o no client del <strong>propietari del caixer<\/strong>. El pitjor \u00e9s que molts usuaris desconeixen quant estan pagant fins que consulten els moviments bancaris. En aquest article t&#039;expliquem quant es paga, quins bancs apliquen m\u00e9s o menys comissions, com <strong>evitar les comissions<\/strong>, i quines opcions tens per no perdre diners cada vegada que necessites <strong>treure diners del caixer<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Quina comissi\u00f3 cobren els caixers ATM?<\/strong><\/h3>\n\n\n\n<p>Els <strong>caixers autom\u00e0tics poden cobrar una comissi\u00f3<\/strong> quan en fas una <strong>retirada d&#039;efectiu<\/strong> utilitzant una targeta emesa per una entitat diferent de la <strong>entitat propiet\u00e0ria del caixer<\/strong>. Aquesta pr\u00e0ctica es va intensificar a partir del 2015, despr\u00e9s de l&#039;entrada en vigor del <strong>Reial Decret Llei 11\/2015<\/strong>, el qual regula qui estableix la comissi\u00f3 i qui l&#039;ha d&#039;assumir.<\/p>\n\n\n\n<p>Quan <strong>utilitzes un caixer<\/strong> que no pertany al teu <strong>entitat banc\u00e0ria<\/strong>, \u00e9s probable que s&#039;apliqui una <strong>comissi\u00f3 per retirada<\/strong>. L&#039;import de la comissi\u00f3 pot variar segons diversos factors:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si \u00e9s un caixer nacional o internacional.<\/li>\n\n\n\n<li>Si pertany o no al teu banc.<\/li>\n\n\n\n<li>Si uses una <strong>targeta de d\u00e8bit o cr\u00e8dit<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>Segons la normativa vigent, la <strong>entitat propiet\u00e0ria del caixer<\/strong> t\u00e9 la llibertat destablir el cost per l\u00fas del terminal. No obstant aix\u00f2, no pot <strong>cobrar una comissi\u00f3<\/strong> directament a lusuari. En canvi, \u00e9s el teu banc (emissor de la targeta) qui paga la tarifa\u2026 i probablement <strong>te la traslladi<\/strong> despr\u00e9s com a c\u00e0rrec al teu compte.<\/p>\n\n\n\n<p>Per aix\u00f2, entendre com funcionen aquestes comissions \u00e9s essencial per a <strong>evitar les comissions<\/strong> inesperades i prendre decisions m\u00e9s intel\u00b7ligents a l&#039;hora de <strong>treure diners del caixer<\/strong>.<\/p>\n\n\n\n<p>\u00bf Tens dubtes sobre quina targeta et conv\u00e9 m\u00e9s? <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-millor-targeta-de-credit-o-debit\/\"><strong>Targeta de d\u00e8bit o cr\u00e8dit<\/strong><\/a><strong><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Quant cobren de comissi\u00f3 els caixers per retirar diners?<\/strong><\/h3>\n\n\n\n<p>El cost mitj\u00e0 per <strong>retirada d&#039;efectiu<\/strong> en un caixer fora del teu banc oscil\u00b7la entre <strong>1,50 \u20ac i 2,50 \u20ac<\/strong>, encara que en algunes entitats pot superar els <strong>3 \u20ac<\/strong>. Aquesta comissi\u00f3 dep\u00e8n tant de la xarxa del caixer com de l&#039;acord que tingui el teu banc amb la <strong>entitat propiet\u00e0ria del caixer<\/strong>.<\/p>\n\n\n\n<p>Per exemple, si sou client d&#039;un banc que no t\u00e9 xarxa pr\u00f2pia, com ING o EVO, podries estar m\u00e9s exposat a aquests costos si <strong>utilitzes un caixer<\/strong> fora de les xarxes concertades. En canvi, si uses els <strong>caixers de la pr\u00f2pia entitat<\/strong>, no hauries de pagar cap comissi\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Per qu\u00e8 els caixers cobren comissions?<\/strong><\/h3>\n\n\n\n<p>Els <strong>caixers cobren<\/strong> comissions per cobrir els costos de manteniment, seguretat, rec\u00e0rrega d&#039;efectiu, energia, telecomunicacions i gesti\u00f3 operativa. Aquestes m\u00e0quines requereixen inversi\u00f3 constant, i quan un client d&#039;un altre banc les fa servir, el <strong>propietari del caixer<\/strong> cerca compensar aquest cost.<\/p>\n\n\n\n<p>En ess\u00e8ncia, es tracta d&#039;una relaci\u00f3 entre bancs: si el teu banc no t\u00e9 una xarxa de caixers suficient, ha de pagar-li al que s\u00ed que la t\u00e9 cada vegada que fas servir una de les seves m\u00e0quines. <strong>pagant una comissi\u00f3 per retirada<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Llista de comissions per treure diners en caixers sense ser client a Espanya<\/strong><\/h3>\n\n\n\n<p>A continuaci\u00f3, et mostrem un resum actualitzat de quant cobra cada banc per fer servir els seus caixers si no ets client:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Entitat Banc\u00e0ria<\/strong><\/td><td><strong>Comissi\u00f3 aproximada (no client)<\/strong><\/td><\/tr><tr><td>CaixaBank<\/td><td>2,00 \u20ac<\/td><\/tr><tr><td>BBVA<\/td><td>2,00 \u20ac<\/td><\/tr><tr><td>Santander<\/td><td>2,00 \u20ac<\/td><\/tr><tr><td>Banc Sabadell<\/td><td>2,00 \u20ac<\/td><\/tr><tr><td>Bankinter<\/td><td>2,00 \u20ac<\/td><\/tr><tr><td>Abanca<\/td><td>1,50 \u20ac<\/td><\/tr><tr><td>Ibercaixa<\/td><td>1,75 \u20ac<\/td><\/tr><tr><td>Kutxabank<\/td><td>1,50 \u20ac<\/td><\/tr><tr><td>Cajamar<\/td><td>1,50 \u20ac<\/td><\/tr><tr><td>Unicaja<\/td><td>1,50 \u20ac<\/td><\/tr><tr><td>EVO Banc<\/td><td>0 \u20ac (en xarxa Euro6000)<\/td><\/tr><tr><td>ING<\/td><td>0 \u20ac (a Euronet i pactats)<\/td><\/tr><tr><td>Deutsche Bank<\/td><td>0 \u20ac (en xarxa pr\u00f2pia i pactats)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Quin banc cobra menys comissi\u00f3 per treure diners del caixer?<\/strong><\/h3>\n\n\n\n<p>Entre les <strong>entitats banc\u00e0ries<\/strong> que millor tracten els seus clients en aquest aspecte destaquen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ING<\/strong>: permet treure sense cost a <strong>Euronet<\/strong>, <strong>Cashzone<\/strong>, <strong>Banca March<\/strong>, <strong>Targo Bank<\/strong>, i m\u00e9s.<\/li>\n\n\n\n<li><strong>EVO Banc<\/strong>: gr\u00e0cies a la seva alian\u00e7a amb Euro6000, pots treure sense comissi\u00f3 a milers de caixers.<\/li>\n\n\n\n<li><strong>Deutsche Bank<\/strong>: t\u00e9 una xarxa pr\u00f2pia i acords que <strong>permeten treure<\/strong> efectiu sense cost addicional.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Quant cobren per passar tots els diners d&#039;un banc a un altre?<\/strong><\/h3>\n\n\n\n<p>Canviar de banc \u00e9s legal i totalment possible a Espanya, per\u00f2 hi poden haver costos associats. La majoria de les <strong>entitats banc\u00e0ries<\/strong> no cobra per una transfer\u00e8ncia normal, per\u00f2 si en fas una <strong>transfer\u00e8ncia SEPA immediata<\/strong> o gestiones el canvi des d&#039;oficina, podries pagar entre <strong>1 \u20ac i 3 \u20ac<\/strong>.<\/p>\n\n\n\n<p>A m\u00e9s, alguns bancs imposen una <strong>comissi\u00f3 de tancament<\/strong> o despeses de gesti\u00f3 quan en fas una <strong>transfer\u00e8ncia de tots els fons<\/strong>. Assegureu-vos de consultar b\u00e9 abans de fer el canvi.<\/p>\n\n\n\n<p>Tens dubtes de com gestionar la teva economia, aqu\u00ed t&#039;ensenyem com <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-educar-se-financerament\/\">prendre el control de les teves finances<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Quin caixer autom\u00e0tic no cobra comissi\u00f3?<\/strong><\/h3>\n\n\n\n<p>Els <strong>caixers autom\u00e0tics<\/strong> que <strong>no cobren comissi\u00f3<\/strong> usuaris d&#039;altres bancs s\u00f3n cada vegada m\u00e9s escassos, per\u00f2 n&#039;hi ha. Aqu\u00ed et deixem algunes opcions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Caixers del teu propi banc<\/strong>: la forma m\u00e9s segura de <strong>evitar les comissions<\/strong>.<\/li>\n\n\n\n<li><strong>Caixers amb acords<\/strong>: si el teu banc t\u00e9 convenis amb altres, com ING o EVO, pots retirar sense pagar.<\/li>\n\n\n\n<li><strong>Euronet<\/strong>: permet retirades gratu\u00eftes en certs casos, especialment per a usuaris de bancs en l\u00ednia.<\/li>\n\n\n\n<li><strong>Xarxes com a Euro6000<\/strong>: moltes entitats permeten <strong>retirada d&#039;efectiu<\/strong> sense comissi\u00f3 dins aquesta xarxa.<\/li>\n<\/ul>\n\n\n\n<p>A m\u00e9s, alguns bancs en l\u00ednia ofereixen un nombre limitat de retirades gratu\u00eftes mensuals des de qualsevol caixer. Aquesta \u00e9s una opci\u00f3 ideal si vols m\u00e9s llibertat financera.<\/p>\n\n\n\n<p>Necessites diners urgents? Demana ja els nostres <a href=\"https:\/\/www.avafin.es\/ca\/credits\/a-linstant\/\">pr\u00e9stecs a l&#039;instant<\/a><\/p>\n\n\n\n<p>Con\u00e8ixer les <strong>comissions caixers<\/strong> que apliquen les <strong>entitats banc\u00e0ries<\/strong> a Espanya \u00e9s clau per no perdre diners cada cop que necessites efectiu. Encara que moltes vegades les comissions s\u00f3n inevitables, hi ha estrat\u00e8gies per a <strong>evitar les comissions<\/strong> o almenys reduir-ne l&#039;impacte.<\/p>\n\n\n\n<p>Recorda fer servir sempre els <strong>caixers de la pr\u00f2pia entitat<\/strong>, buscar acords entre bancs, i considerar canviar d&#039;entitat si veus que les comissions afecten la teva butxaca. Tamb\u00e9 pots utilitzar alternatives com aplicacions financeres, comptes en l\u00ednia o bancs que <strong>permeten treure<\/strong> sense c\u00e0rrecs.<\/p>\n\n\n\n<p>I si est\u00e0s considerant canviar de banc o necessites una empenta financera, a Avafin t&#039;oferim recursos i solucions adaptades a tu:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Troba <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/facils\/\">pr\u00e9stecs f\u00e0cils<\/a> amb total transpar\u00e8ncia<\/li>\n\n\n\n<li>Millora els teus h\u00e0bits amb <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-educar-se-financerament\/\">educaci\u00f3 financera pr\u00e0ctica<\/a><\/li>\n\n\n\n<li>Descobreix la targeta ideal per a tu: <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-millor-targeta-de-credit-o-debit\/\">targeta de cr\u00e8dit o d\u00e8bit<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Necessites diners r\u00e0pids!<\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center\">Obtingues-ho avui amb AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Encara que vivim en plena era digital, els diners en efectiu continuen sent fonamentals en el nostre dia a dia. Ja sigui per pagar en petits comer\u00e7os, dividir comptes o simplement tenir una mica de liquiditat, tots en algun moment necessitem utilitzar un caixer. Tot i aix\u00f2, aquesta acci\u00f3 aparentment senzilla pot venir acompanyada d&#039;un cost inesperat: les [\u2026]<\/p>","protected":false},"author":32,"featured_media":5709,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[22,23],"tags":[],"class_list":["post-5708","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ahorro","category-educacion-financiera"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comisicones de cajeros | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" 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