🚫 Avoid street-corner Euronet ATMs; they charge hidden conversion fees up to 15%. Use official bank ATMs attached to physical branches in the town squares, like CaixaBank, BBVA, or Banca March.
🏛️ On card machines, always select "Pay in Euros (EUR)" if prompted. Selecting your home currency activates "Dynamic Currency Conversion," which hands a massive, predatory cut to the local merchant bank.
💶 Tipping is purely discretionary. For small café drinks, ice creams, or tapas, simply round up to the nearest euro or leave loose change. For excellent sit-down restaurant service, leave 5% to 10% in physical cash on the table, as card tips rarely reach the waiting staff.