BBVA SWIFT Code: BBVAESMMXXX

BBVA SWIFT Code: BBVAESMMXXX (Spain)

BBVA's primary SWIFT code is BBVAESMM — the identifier for Banco Bilbao Vizcaya Argentaria S.A., BBVA's headquarters entity in Spain.

What Is the BBVA SWIFT Code?

BBVA operates across Spain, Mexico, South America, Turkey, and other markets — and each country's BBVA entity has its own SWIFT code. BBVAESMM is the code for BBVA in Spain, where the group is headquartered. If someone gives you a BBVA SWIFT code without specifying a country, confirm which entity they mean before initiating a wire. Using the wrong country's code is the most common BBVA wiring error for businesses with pan-BBVA relationships.

BBVA SWIFT Codes by Country

• Spain — Banco Bilbao Vizcaya Argentaria S.A.: BBVAESMM
• Mexico — BBVA Mexico S.A.: BCMRMXMM
• Peru — BBVA Perú: BCONPEPL
• Colombia — BBVA Colombia S.A.: BBVACOBB
• Turkey — BBVA Turkey (Garanti BBVA): BBVATRISXXX
• United States — formerly BBVA USA, now PNC Bank: see PNC section below

Each of these is a legally separate entity operating under local regulation. A wire sent to BBVAESMM does not reach BBVA Mexico, and a wire sent to BCMRMXMM does not reach BBVA Spain. For businesses managing supplier, vendor, or payroll relationships across multiple BBVA markets, explicit code-to-country labeling in your payment systems is essential.

IBAN Requirement for BBVA Spain Transfers

Spain is part of the EU SEPA zone and uses IBANs for all bank transfers. Any wire to a BBVA Spain account requires both a SWIFT code and an IBAN — providing only an account number will cause the transfer to be rejected.

Spanish IBANs follow this format:

ES + 2 check digits + 4-digit bank code + 4-digit branch code + 2-digit control digits + 10-digit account number = 24 characters total

A BBVA Spain IBAN looks like: ES91 0182 6835 4602 0012 3456

The recipient should provide the full IBAN directly from their BBVA Spain online banking portal or account statement. Do not attempt to construct it from an account number alone — an error in any segment causes the wire to fail.

How to Wire Money to a BBVA Spain Account

To send an international wire to a BBVA Spain account, provide your bank with the following:

• Recipient name: Full legal name or registered business name, exactly as it appears on the BBVA account
• IBAN: 24-character Spanish IBAN starting with ES (from recipient)
• SWIFT/BIC code: BBVAESMM (or BBVAESMMXXX)
• Bank name: Banco Bilbao Vizcaya Argentaria S.A.
• Bank address: Plaza de San Nicolás 4, 48005 Bilbao, Spain
• Transfer currency: EUR (standard for Spanish accounts)
• Purpose of transfer: Description of the commercial basis for the payment

For USD-to-EUR transfers, currency conversion happens either at your U.S. bank before sending or at BBVA Spain on receipt. In both cases, a spread above the mid-market rate applies. For large or recurring payments to BBVA Spain accounts, the FX spread is worth comparing against the mid-market rate before defaulting to your bank's conversion.

BBVA US Operations: Acquired by PNC

If you are trying to wire to a U.S.-based BBVA account, that account no longer exists under BBVA. BBVA USA was acquired by PNC Bank in June 2021, and all former BBVA USA accounts were fully converted to PNC accounts by 2022.

The BBVA USA SWIFT code — BBVAUSS1 — is retired and no longer valid. Any wire sent to that code will not reach its destination.

For wires to accounts that were previously held at BBVA USA, use PNC Bank's SWIFT code: PNCCUS33. If you have wire instructions on file that reference BBVA USA or BBVAUSS1, update them immediately. Former BBVA USA business customers should audit all outstanding vendor and client wire instructions and replace BBVA details with PNC details across the board.

See the PNC SWIFT Code page for full wire instructions.

Common Mistakes When Wiring to BBVA

Using BBVA Mexico's SWIFT code for a Spain account. BCMRMXMM routes to BBVA Mexico — not to BBVA Spain. The BBVA brand spans a dozen markets, but the codes are entirely country-specific. Always confirm which country's entity holds the destination account.

Missing the IBAN for Spain. U.S. businesses accustomed to account-number-only wire instructions frequently omit the IBAN when wiring to European accounts. Without the IBAN, BBVA Spain will reject the transfer. Get the full 24-character IBAN from the recipient before initiating.

Wiring to a former BBVA USA account. BBVA USA no longer exists. Any account that was held at BBVA USA is now a PNC account. Wires sent to BBVAUSS1 or addressed to BBVA USA will not arrive. Update all U.S.-destination BBVA wire instructions to PNC.

Wrong currency. BBVA Spain accounts are primarily EUR-denominated. Sending USD without specifying conversion, or wiring USD to an account that only accepts EUR, can result in the transfer being returned or converted at an unfavorable rate without notice.

Using BBVAESMMXXX when BBVAESMM is required. Both are valid for BBVA Spain — the XXX suffix is optional. Issues arise only when senders invent or misremember the branch suffix beyond XXX. Use BBVAESMM for 8-character fields and BBVAESMMXXX for 11-character fields.

How Slash Helps

U.S. businesses with operations in Spain or across BBVA's Latin American markets deal with a compounding set of wire complexities: different SWIFT codes per country, IBAN requirements for European transfers, CLABE requirements for Mexico, FX spreads on every conversion, and limited visibility into what's cleared until bank statements arrive.

Slash runs alongside your existing banking relationships across BBVA markets. For Spanish and Latin American vendors or contractors who accept card payments, Slash virtual cards let you pay directly without initiating a wire — no IBAN lookup, no CLABE, no correspondent bank, no multi-day processing window. For wire-dependent payments, Slash's real-time spend tracking records every transaction at initiation and categorizes it by vendor, country, and currency, giving your finance team a live view of international payment activity across all markets. Transparent FX rates and no foreign transaction fees mean the cost of every cross-border payment is known before you approve it.