Banco Bilbao Vizcaya Argentaria SA has made Bitcoin and Ether trading and custody available to all retail clients in Spain through its mobile application, becoming the first Spanish lender to integrate cryptoasset services directly into its core banking platform. The feature, rolled out nationwide on 4 July, allows customers to buy, sell and hold the two largest digital currencies without using third-party custodians. Trades carry a 1.49% fee, while custody is free and external transfers are charged 4%. Access is limited to users with biometric authentication and is offered strictly on a self-directed basis, with no investment advice. The service was cleared by Spain’s securities regulator, the CNMV, and complies with the European Union’s new Markets in Crypto-Assets (MiCA) framework. BBVA first piloted crypto trading for private-bank clients in Switzerland in 2021 and extended the model to Turkey in 2023; Spain is its third market and the first where the product targets mass-market customers. The move underscores the growing adoption of digital assets within mainstream European banking as regulators finalise bloc-wide rules designed to give investors greater protections.