In Spain (IDK about other European countries), same bank transactions are always free (wether is a SEPA transfer, or a withdrawal on the bank's ATM). These days

In Spain (IDK about other European countries), same bank transactions are always free (wether is a SEPA transfer, or a withdrawal on the bank's ATM). These days, transfers to different banks than yours are usually free (and many banks also offer free transfers to other Euro banks, I think it's got to do with SEPA stuff). However ATM withdrawals on a bank different than yours usually has some kind of fee (depending on the bank, I usually pay between €0,60 to €1,50, for debit withdrawals, credit has bank fees for ATM use and a fee for using credit). Usually if you withdraw €200 or more it's free, but that's entirely dependent on your bank.