Banco Bilbao Vizcaya Argentaria, S.A., Niederlassung Deutschland products, services and reviews

About Banco Bilbao Vizcaya Argentaria, S.A., Niederlassung Deutschland

Banco Bilbao Vizcaya Argentaria, S.A., Niederlassung Deutschland is the German branch of the Spanish credit institution Banco Bilbao Vizcaya Argentaria, S.A. and operates in Germany under the EU passport regime. The branch focuses on corporate and investment banking for large corporates, financial institutions, and public-sector entities, rather than retail banking. Its offering typically includes corporate lending and syndicated loans, structured and project finance, acquisition finance, trade and export finance, cash management and payments (including SEPA services), and risk management across foreign exchange and interest rates, with access to capital markets and distribution through the wider BBVA group. Pricing, limits, and collateral terms are negotiated case by case and reflect BBVA group risk policies. The branch is not a separate legal entity; prudential supervision is conducted on a consolidated basis by the European Central Bank within the Single Supervisory Mechanism, with the Bank of Spain as home authority and BaFin/Deutsche Bundesbank responsible for host-country oversight of certain activities. Investment and payment services are provided under MiFID II and PSD2 frameworks, and GDPR applies to data processing. The branch does not target retail clients in Germany; if deposits are accepted, eligible deposits are covered by Spain’s statutory deposit guarantee scheme (Fondo de Garantía de Depósitos) up to €100,000 per depositor, rather than by the German EdB, and there is no voluntary German scheme coverage unless explicitly stated by the bank. The branch is subject to the EU Bank Recovery and Resolution Directive and the Single Resolution Mechanism, which means unsecured creditors and certain liabilities can be bailed in during resolution.