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BBVA

Banco Bilbao Vizcaya Argentaria S.A. · Spain
Key points
Official sourceUnclaimedMiCA-licensed · Spain
🌐 Website
Summary
01OverviewRegulatory status: MiCA-licensed or not, since when→02Services & AccessibilityWhat the app actually offers, as badges→03How much it costsTransfer, card, spread and withdrawal, in euros→04Security & custodyWhere your funds are, what recourse you have→05What to know before you startSpecifics, anomalies and affiliation→06Frequently asked questionsAnswers drawn from our verified data→

01Overview

The company

Headquarters
🇪🇺 Spain
Founding date
1857
Team size
5000+
Number of customers
≈ 82 800 000

Regulation

Regulatory licences
MiCA licence, notified on 05/03/2025
Licensing authority
Comisión Nacional del Mercado de Valores (CNMV)
Registered services
not disclosed in the register
Register consulted
Consult the register →

BBVA is one of the major European banks to have integrated crypto-asset purchases directly into its retail banking app. In Spain, retail customers can buy, sell and hold Bitcoin and Ether from the same environment as their accounts and other investments. Custody is provided directly by BBVA, giving the service a banking-integrated positioning that does not require an external exchange.

02Services & Accessibility

Concrete product features, distinct from the legal scope of the licence (block 01).

Simple purchase (Simple-Buy)Integrated walletStakingCrypto cardP2P marketFuturesOptionsMargin tradingFrench-language supportInstant verification (KYC)

Available cryptos: 2

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a broker, BBVA suits some use cases more than others.

Minimum deposit: not disclosedMobile appWithdrawal to personal wallet possibleAutomatic DCADedicated pro interface: not disclosed

Withdrawal to a personal wallet possible.

Available in Spain.

03How much it costs

Deposit
SEPA transfer0 %
Trading
1,49 %
published spread
Holding

No known holding fees

Exit
Crypto withdrawal (platform margin)≈ 0 € + 4 %

Blockchain network fees always excluded (identical for everyone, not set by the platform).

BBVA Spain: buying or selling BTC/ETH = 1,49 % per transaction. The first purchase is currently offered commission-free as part of a commercial promotion; the standard rate remains 1,49 %. BBVA proprietary custody: 0 %. Return/external transfer of crypto-assets: 4 % of the EUR equivalent transferred.

Fee source: https://www.bbva.es/en/personas/productos/criptoactivos.html · verified on 26/08/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

Proprietary custody: BBVA manages the cryptographic keys itself (technology based on Ripple according to Datawallet), with no third-party custodian.

05What to know before you start

Retail banking crypto offer 100 % integrated into the BBVA app in Spain: BTC and ETH, buy/sell commission 1,49 %, free custody and first purchase currently commission-free. BBVA holds the keys directly, with no third-party custodian. A separate product from BBVA Switzerland's crypto offer and from Garanti BBVA Crypto in Turkey.

Compensation transparency: affiliate partnership with BBVA: À l'étude. A partnership has no influence on ranking or the default sort order (see Methodology).

06Frequently asked questions

Is BBVA licensed under MiCA?

Yes. Banco Bilbao Vizcaya Argentaria S.A. is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: Comisión Nacional del Mercado de Valores (CNMV), Spain. Notification to the ESMA register: 05/03/2025. A MiCA licence works as a passport: it allows the provider to operate across the entire European Union.

How much does it cost to buy bitcoin on BBVA?

For €100 of bitcoin bought by SEPA transfer, the total cost is 1,49 €, spread included and network fees excluded (Uncrypt €100 index). Fees checked on 26/08/2026 against the official fee schedule.

How many cryptos can you buy on BBVA?

2 crypto-assets are available on BBVA.

Can you withdraw your crypto from BBVA to your own wallet?

Yes, BBVA lets you withdraw your crypto-assets to a personal wallet.

Can you stake crypto on BBVA?

No, BBVA does not offer staking.

Can you schedule recurring purchases (DCA) on BBVA?

No, BBVA does not offer scheduled recurring purchases (DCA).