The material on this site is for financial institutions, professional investors and their professional advisers. It is for information only. Please read our Terms & Conditions, Privacy Policy and Cookies before using this site. Please see our Subscription Terms and Conditions.

All material subject to strictly enforced copyright laws. © 2022 Euromoney, a part of the Euromoney Institutional Investor PLC.

Western Europe's best digital bank 2019: BBVA

Awards for Excellence 2019

Ever-larger investments in digital banking have been an important part of European banks’ efforts to cut costs. At the same time, digital banking is central to their attempts to establish a growth story.

Western Europe’s best digital bank, BBVA, has an advantage, thanks to its early focus on digitalization under former executive chairman Francisco Gonzalez. When Gonzalez’ successor Carlos Torres Vila took up the baton in January, the benefits were already clear. Other banks in Europe and elsewhere cite the Spanish firm as one of those to beat in the digital game.

One of the first things the bank did was to make as many of its products self-service as possible – there were close to 1,000 of them in 2018. By the end of the year it reached its digital tipping point, with more than half of its clients globally using online channels, up from just over a third in 2016.

You have reached premium content. Please log in to continue reading.

Read beyond the headlines with Euromoney

For over 50 years, our readers have looked to Euromoney to stay informed about the issues that matter in the international banking and financial markets. Find out more about our different levels of access below.


Unlimited access to and

Expert comment, long reads and in-depth analysis interviews with senior finance professionals

Access the results of our market-leading annual surveys across core financial services

Access the results of our annual awards, including the world-renowned Awards for Excellence

Your print copy of Euromoney magazine delivered monthly

£73.75 per month

Billed Annually


Unlimited access to and, including our top stories, long reads, expert analysis, and the results of our annual surveys and awards

Sign up to any of our newsletters, curated by our editors


Already a user?

We use cookies to provide a personalized site experience.
By continuing to use & browse the site you agree to our Privacy Policy.
I agree