EURO 6000
EURO 6000 is a Spanish payment network consortium of 12+ financial institutions operating 13,000+ ATMs and 13.3+ million Mastercard/Visa cards across Spain, plus a card-linked discount program at 120+ partner brands.
- Company typePrivate
- Founded2016
- HeadquartersMadrid, Spain
- Headcount11–50
- GTM typeB2B
- OfferingServices
What EURO 6000 does
EURO 6000, S.L. is a Spanish payment network consortium and alliance of 12+ financial institutions headquartered in Madrid, operating one of the largest shared payment and ATM infrastructures in Spain. Founded in 2016 as a legal entity (with consortium operations dating to 2000), it functions as a cooperative-style network where member banks (ABANCA, Kutxabank, Ibercaja, Unicaja, Bankinter, Cecabank, Arquia Banca, Caixa Ontinyent, Colonya Caixa Pollença, Caja de Ingenieros, Cofidis, and others) issue Mastercard and Visa payment cards through its wholly-owned subsidiaries MasterCajas S.A. and ViaCajas S.A. The network supports over 13.3 million cards in circulation and more than 13,000 ATMs across Spain, expanded through an agreement with Euronet for rural and urban coverage.
The core technology stack comprises payment card network infrastructure enabling Mastercard and Visa product issuance, ATM network management, and digital payment integration including Apple Pay. EURO 6000's flagship consumer-facing offering is EURO 6000 Plus, a card-linked discount program providing cashback and promotions at over 120 partner brands across retail, travel, food, beauty, and entertainment categories, with discounts applied automatically at point of sale. The network also operates a web-based ATM locator tool and a digital discount marketplace.
The business model generates revenue through three primary streams: tiered ATM commission fees charged to member financial institutions (ranging from €0.50–€2.90 per cross-network operation based on operator size and geographic spread), transaction-based revenue from card issuance and payment processing, and merchant-funded affiliate/referral revenue from the EURO 6000 Plus discount program. In 2025, the network processed 1,884 million purchase operations generating €61,766 million in billing and 144 million ATM withdrawals totaling €26,901 million. The go-to-market is exclusively B2B2C via member banks' branch and digital channels, with no direct consumer sales. The entity is member-owned, with Jorge Martínez Martínez (ABANCA executive) serving as President and Alberto González Zumajo as Director General.
EURO 6000 firmographics
Firmographics- Name
- EURO 6000
- Legal name
- EURO 6000, S.L.
- Website
- https://euro6000.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- EURO 6000 is a Spanish payment network consortium of 12+ financial institutions operating 13,000+ ATMs and 13.3+ million Mastercard/Visa cards across Spain, plus a card-linked discount program at 120+ partner brands.
- Ownership category
- akta.pro rank
EURO 6000 industry classification
Industry- Product category
- Payment Network Services
- NAICS
- Credit Card Issuing (522210), Commercial Banking (522110)
- SIC
- Commercial Banks, Nec (6029)
- akta.pro primary industry
- Domestic / National Card Schemes (FSAMAAAC)
- akta.pro secondary industries
- Cross-Border Payments & FX (multi-currency wallets, DCC, remittance) (THALAHAE), Card Issuing Platforms (Issuer Processing) (FSAGABAD)
Keywords
Where EURO 6000 is headquartered
LocationHeadquarters
- HQ city
- Madrid
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
EURO 6000 business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales
Revenue model
- ATM Commission Fees: Member financial institutions pay commission fees for ATM access through the EURO 6000 network. The commission structure is tiered based on the number of ATMs operated by the entity, ranging from €2.90/operation for small operators (under 16 ATMs) to €0.50–€0.85/operation for large operators (over 400 ATMs). Volume-based discounts apply for entities exceeding 1 million annual cross-network operations.
- Card Issuing and Payment Processing: Revenue is generated through the issuance of Mastercard and Visa payment cards by member banks, facilitated by MasterCajas S.A. (Mastercard) and ViaCajas S.A. (Visa). Transaction volumes of 1,884 million purchase operations generating €61,766 million in billing in 2025 indicate the scale of payment processing activity.
- EURO 6000 Plus Partner Program: The discount program is offered to cardholders for free, funded through commercial agreements with partner brands and merchants. Member banks and the network benefit from increased card usage and customer retention.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Multi-year contract | ATM commission for entities with under 16 ATMs (or 16–200 ATMs in fewer than 5 autonomous communities) |
| Transaction based/ take rate | Multi-year contract | ATM commission for entities with 16–200 ATMs across at least 5 autonomous communities |
| Transaction based/ take rate | Multi-year contract | ATM commission for entities with 201–400 ATMs |
| Transaction based/ take rate | Multi-year contract | ATM commission for entities with over 400 ATMs or high geographic complementarity |
| Transaction based/ take rate | Multi-year contract | Volume discounts on base ATM commission |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
EURO 6000 product offering
Product offeringCore offering
EURO 6000 operates a shared payment card and ATM network consortium for Spanish financial institutions. Member banks issue Mastercard (via MasterCajas S.A.) and Visa (via ViaCajas S.A.) cards, share access to 13,000+ ATMs across Spain, and provide cardholders with the EURO 6000 Plus discount and cashback program at 120+ partner brands.
Product overview
EURO 6000 is a Spanish payment network consortium that operates as an alliance of financial institutions providing payment card services and ATM infrastructure. The core offering consists of the EURO 6000 payment card network (handling Mastercard through MasterCajas S.A. and Visa through ViaCajas S.A. subsidiaries), supplemented by the EURO 6000 Plus loyalty program that delivers discounts at 120+ partner brands. Additional services include a nationwide ATM locator network of 13,000+ machines and a digital discount marketplace featuring entertainment parks, travel agencies, hotels, and restaurants.
Differentiator
Problem solved
Functional benefit
Products and services
- EURO 6000 Payment Card Network
Quantifiable outcome
- 13.3 million+ payment cards in circulation as of December 2025
- +4 more outcomes
Companies that use EURO 6000
Customer profileNamed customers12 records
Segments1 record
Ideal customer profiles2 records
EURO 6000 technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
EURO 6000 partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- INGminorA reciprocal ATM access agreement between EURO 6000 and ING provided improved conditions for ATM access for customers of both networks.
- Visa EuropecoreEURO 6000 has been a Member of Visa Europe since June 2, 2003. ViaCajas S.A. was constituted to manage Visa product issuance and promotion, managing a card park of over 6 million units as of December 2025.
- Mastercard InternationalcoreEURO 6000 maintains a strategic agreement with Mastercard International, from which MasterCajas S.A. was created. Through this entity, EURO 6000 is a relevant player in Mastercard card issuance in the Spanish market, with over 3.4 million Mastercard cards in circulation as of December 2025.
- MasterCajas S.A.coreA subsidiary of EURO 6000 created in partnership with Mastercard International. MasterCajas manages Mastercard card issuance for member banks. As of December 2025, it manages over 3.4 million Mastercard cards.
- ViaCajas S.A.coreA subsidiary of EURO 6000 managing Visa card issuance and promotion for member banks. As of December 2025, it manages a card park of over 6 million Visa cards.
- ABANCAcoreOne of the founding and leading member banks of EURO 6000. ABANCA's Director General of Payment Methods and Consumption serves as President of EURO 6000.
Scale indicators9 records
Recent moves5 records
Expansion highlights3 records
EURO 6000 competitors and assessment
Company assessmentRegional players
- Bancomat: Bancomat is Italy's domestic card scheme and ATM network. Comparable to EURO 6000 as a national, consortium-style card scheme providing domestic and international payment services via partnerships with global networks.
- Cartes Bancaires: Cartes Bancaires is France's domestic card scheme, analogous in structure and role to EURO 6000 in Spain. Comparable as a national card scheme serving a domestic banking market with shared infrastructure and scheme governance.
Emerging players
- Bizum: Bizum is Spain's leading account-to-account instant payment scheme, operated by Spanish banks. It is an emerging alternative to card-based retail payments processed over EURO 6000's network, and increasingly competing at the point of sale.
Broad incumbents
- Visa: Visa is a global card network with which EURO 6000 partners via its ViaCajas S.A. subsidiary. Comparable as a card scheme and payment network operator, though at global rather than national scale.
- Mastercard: Mastercard is a global card network with which EURO 6000 partners via its MasterCajas S.A. subsidiary. Comparable as a payment network and scheme operator, though serving a much larger global footprint and operating at a different scale.
- Euronet Worldwide: Euronet is a global ATM and payment network operator that is both an EURO 6000 partner (ATM expansion in Spain) and a competitor in independent ATM deployment. Comparable as a multinational ATM infrastructure and payments platform with overlapping scale.
Others
- IBERPAY: IBERPAY is the Spanish payment scheme operator for the SEPA and instant payment infrastructure used by Spanish banks. It is adjacent to EURO 6000 as a shared national payment infrastructure provider, though focused on account-to-account clearing rather than card schemes.
- Bankinter: Bankinter is both a EURO 6000 member bank and a Spanish financial institution that operates its own card products. Comparable as a customer/member of EURO 6000 and as a Spanish bank issuing competing card programs.
Direct peers
- CECA (Confederación Española de Cajas de Ahorros): CECA represents Spanish savings banks and historically operated shared payment and ATM infrastructure. Comparable to EURO 6000 as a Spanish savings-bank alliance that has facilitated shared payment services, though CECA's role has evolved.
- ServiRed (Sistema de Tarjetas y Medios de Pago): ServiRed is the other major domestic Spanish card scheme and ATM network alliance, processing card transactions for many of Spain's largest banks. Directly comparable to EURO 6000 as a domestic card scheme and shared ATM infrastructure serving Spanish financial institutions.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
EURO 6000 social profiles
Digital presenceEURO 6000 financial estimates
Financial estimateRevenue estimate
Valuation estimate
EURO 6000 leadership team
Management profileNumber of profiles
Profiles4 records
EURO 6000 subsidiaries and ownership
Company hierarchySubsidiaries2 records
EURO 6000 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EURO 6000 M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about EURO 6000
What does EURO 6000 do?
EURO 6000 operates a shared payment card and ATM network consortium for Spanish financial institutions. Member banks issue Mastercard (via MasterCajas S.A.) and Visa (via ViaCajas S.A.) cards, share access to 13,000+ ATMs across Spain, and provide cardholders with the EURO 6000 Plus discount and cashback program at 120+ partner brands.
Is EURO 6000 a public or private company?
EURO 6000 is a private company. It is classified as corporate owned and is currently operating.
When was EURO 6000 founded?
EURO 6000 was founded in 2016. It employs 11 to 50 people.
Where is EURO 6000 based?
EURO 6000 is headquartered in Madrid, Spain, in the Europe region.
How does EURO 6000 make money?
Three revenue lines are on record. ATM Commission Fees are the primary driver. The others are card Issuing and Payment Processing and EURO 6000 Plus Partner Program.
Who are EURO 6000's main competitors?
Regional players on record are Bancomat and Cartes Bancaires. Bizum is listed as an emerging player. Broad incumbents are Visa, Mastercard and Euronet Worldwide. Others are IBERPAY and Bankinter. Direct peers are CECA (Confederación Española de Cajas de Ahorros) and ServiRed (Sistema de Tarjetas y Medios de Pago).
Does EURO 6000 have an API?
No public API is recorded for EURO 6000.
What industry is EURO 6000 in?
EURO 6000's product category is Payment Network Services. Its primary akta.pro industry code is FSAMAAAC, Domestic / National Card Schemes, with a secondary code of THALAHAE, Cross-Border Payments & FX (multi-currency wallets, DCC, remittance). Its NAICS code is 522210 and its SIC code is 6029.