- BBVA recommends a 3–7% crypto allocation for wealthy clients
- Digital-asset advice has been offered since September, with allocations rising based on risk profile
- Even minimal exposure can enhance portfolio diversification and returns
- Regulatory approval underpins BBVA’s ability to offer crypto trading to clients
Spain’s BBVA has quietly taken a notable step toward mainstreaming crypto for its wealthiest customers. The bank is now recommending that high-net-worth clients dedicate between 3% and 7% of their portfolios to digital assets like Bitcoin and other major cryptocurrencies.
This move follows closely on the heels of regulatory approval granted earlier this year, allowing BBVA to offer digital-asset trading to its clients.
Since September last year, BBVA Switzerland’s digital and blockchain team began including crypto advice for private clients. As risk appetites have evolved, so has the suggested allocation—peaking around 7% for those willing to embrace higher volatility.
The strategy is clear: small exposure, carefully managed, can enhance overall portfolio returns without excessive risk.
Clients have reportedly welcomed this approach, appreciating that even a modest crypto slice can improve diversification and portfolio performance.
BBVA emphasizes that it’s not advocating for aggressive speculation—it’s offering a controlled foothold in a high-risk, high-upside asset class.
Behind the scenes, regulatory backing is changing the game. With permission to trade digital assets now in BBVA’s toolbox, the bank is positioning itself ahead of the curve—helping clients gain exposure to crypto while under robust oversight.
This development signals a significant shift: digital assets are no longer niche—they’re earning their spot in mainstream wealth management, backed by major institutions and frameworks.
