Lorraine Williamson
From 28 June 2025, withdrawing cash in Spain will begin to look and feel different as new accessibility rules come into force. Law 11/2023, which incorporates EU-wide accessibility standards into Spanish legislation, aims to make ATMs more accessible for everyone—particularly for people with disabilities or those who find digital interfaces challenging to navigate.
The reform is part of a broader national strategy to enhance digital inclusion and ensure equal access to essential services, including banking. It marks a significant shift in how public-facing digital services are designed and delivered.
Changes to how ATMs are built and used
Once the law takes effect, every new cash machine installed in Spain must comply with updated technical standards. These will include clearer on-screen text, better contrast to improve visibility in bright light, and a more intuitive interface to support users who are less familiar with digital systems.
The machines must also be designed for independent use by people with a range of disabilities. Audio guidance will be available via headphone jacks, screens and buttons will be easier to operate from a seated position, and tactile features such as braille will be added for those with visual impairments. The aim is to make withdrawing money a straightforward task, not a barrier.
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Gradual transition for existing machines
ATMs already in place before the June 2025 deadline will not need to be replaced immediately. Instead, there will be a five-year transition period. This means older machines can remain in use until 29 June 2030, unless they are upgraded or replaced earlier for operational or economic reasons.
Banks and ATM providers are expected to phase in the changes gradually, although users may start noticing newer, more accessible machines being introduced from the summer onwards.
What it means for everyday users
While many customers may not notice any difference straight away, the impact for those who currently struggle with ATMs could be considerable. For older users, people with mobility or visual impairments, or anyone with low digital confidence, the changes are intended to remove the stress and reliance on others often associated with withdrawing cash.
This reform goes beyond convenience. It’s part of a growing awareness in Spain that digital services—especially those as essential as access to money—must work for all sections of society.
A step toward inclusive digital banking
As the country moves towards full implementation of the law by 2030, the transition to more inclusive cash machines reflects broader changes in how Spain approaches accessibility and digital rights. While the benefits may not be immediate for everyone, the long-term aim is a banking system that no longer excludes those who find traditional ATMs challenging.
In time, Spain’s cash machines will be better designed to serve the needs of all its residents—quietly but meaningfully transforming a routine task into a more inclusive experience.