Buy Bitcoin with BBVA

[✓] last verified 2026-01-28·Reviewed by BankToBTC Team

Data from bank docs & Bank of Spain registers · How we verify · Report an error

Allows crypto transfers.

Crypto Compatibility Score: 78/100 (Good)

Score Breakdown:

  • Payment methods: 30/35 pts — fast deposit rails available
  • Bank transfer reliability: 19/25 pts
  • Limits: 12/20 pts
  • Cost: 10/10 pts
  • Evidence: 7/10 pts

Supported payment methods: sepa, sepa-instant

Last verified:

Quick Verdict

BBVA lets you buy Bitcoin and Ether directly through BBVA Crypto in the app. For more tokens or self-custody, you can also fund a separate regulated exchange via SEPA.

  • [✓]

    Can you buy Bitcoin in the app?

    Yes, via BBVA Crypto

  • [✓]

    Can you fund an exchange?

    Yes, using SEPA Credit Transfer

  • [›]

    Best funding method

    SEPA Credit Transfer

  • [!]

    Potential issue

    Limited token selection in BBVA Crypto

Top Exchanges for BBVA

Step-by-step guide to buying Bitcoin with BBVA

Most BBVA users fund a regulated exchange using SEPA transferencia, with beneficiario and concepto matching the deposit reference. Start with step one below.

  1. Decide: BBVA Crypto or a Banco de España registered exchange
    BBVA Crypto is in-app convenience; external platforms can offer different pricing, assets, and wallet options.
  2. Create your account
    Secure your BBVA app access, and create an exchange account if you plan to fund externally.
  3. Complete identity verification
    Finish BBVA and exchange verification so crypto access and deposits are enabled.
  4. Get deposit details for your chosen route
    For BBVA Crypto, you buy from your BBVA balance; for external funding, copy IBAN, BIC, and concepto reference from the SEPA deposit screen.
  5. Buy in BBVA or send SEPA from the BBVA app
    For BBVA Crypto, open the crypto section and confirm your buy; for external funding, go to Transfers, add the beneficiary, and enter the concepto reference exactly.
  6. Wait for funds to arrive
    In-app buys settle after confirmation; SEPA Instant can be seconds when supported, while standard SEPA is often next business day.
  7. Purchase Bitcoin
    Buy BTC in BBVA Crypto or on the external platform after funds arrive.
  8. Secure your Bitcoin
    If you need wallet withdrawals, confirm whether your chosen route supports sending BTC to an external wallet.

[!] Troubleshooting

  • If using BBVA Crypto, confirm your region eligibility and product activation, since availability can depend on customer profile.
  • If funding externally, use SEPA transfer and include the reference code exactly to avoid delayed posting.
  • If a new beneficiary is held, complete app security prompts and retry a smaller test transfer first.

Frequently Asked Questions

Can I buy Bitcoin with BBVA?

Yes. BBVA lets adult retail customers in Spain buy and custody Bitcoin and Ether inside the BBVA app, and you can still fund external exchanges by SEPA transferencia if you prefer. For many users, a standard SEPA transfer to a regulated platform such as Kraken or Bit2Me is the most reliable route. For speed, BBVA also supports transferencias inmediatas, but your configured límites still matter.

Should I use BBVA's in app Bitcoin feature or fund an exchange and trade there?

BBVA is convenient if you want BTC and ETH exposure without moving money to an exchange, but it is not the same as a full exchange account with broader asset support. If you want deeper markets and more coins, fund an exchange by SEPA, then trade there. A practical split many users take is small recurring buys in the BBVA app, then bigger trades on an exchange.

How do I raise my BBVA transfer limit before sending EUR to an exchange?

If your transfer limit is too low for a deposit, BBVA allows limit changes, but bigger increases can require verification through the bank. Check your transfer limits in the app first, and if the option is restricted, BBVA explains you can request an increase through a branch. Do this before you add the exchange beneficiary so your first transfer does not fail.

Are BBVA transferencias inmediatas free now, and does that help crypto funding?

BBVA has publicly stated it offers immediate transfers at no extra cost for consumer clients operating through the web or app. That helps when you are funding an exchange EUR IBAN that accepts SEPA Instant, but it does not bypass your BBVA límites or security checks. If instant is not available in the deposit route, the transfer falls back to standard SEPA timing.

Why did BBVA ask me to confirm the recipient when I added an exchange IBAN?

That prompt is typically tied to new beneficiary risk controls and scam prevention. Exchanges often use pooled bank accounts, so BBVA may push extra checks when the beneficiary name does not look like a normal personal payee. To reduce friction, copy the beneficiary name exactly as shown on the deposit page and do a small test transfer first.

Does BBVA support Bizum for exchange deposits, or is that a dead end?

In most cases it is a dead end. Bizum limits and rules are separate from bank payment methods, and crypto exchanges in Spain usually fund through SEPA. If you are trying to buy BTC, focus on SEPA transfer to an exchange rather than Bizum.

Evidence & Verification

This page references 4 sources: BBVA Bitcoin Launch, BBVA Transferencias Guide, BBVA Modificar Límites. Information was compiled from official sources and user reports.

Sources:

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Information can change without notice. Always verify current policies directly with your bank and exchange before making transactions.