# Kutxabank (Basque)

> Source: https://docs.barcoder.ai/docs/wallets/kutxabank
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Kutxabank — official](https://www.kutxabank.es/)

## Overview

**Kutxabank (Basque)** is **Basque commercial bank post-Jan 1 2012 BBK + Kutxa + Caja Vital Kutxa Basque savings banks merger** + **~2.4M+ customers** + **BBK Banking Foundation + Kutxa Foundation + Vital Foundation Banking Group controlling** + **one of largest Spanish regional commercial banks** <sup>[1][1], [Spain report](https://docs.barcoder.ai/docs/payments/ES)</sup>.

## History

**1907 — Caja de Ahorros y Monte de Piedad Municipal de Bilbao founded** distinctive Basque savings banking heritage.

**1909 — Caja de Ahorros Provincial de Guipúzcoa Kutxa founded**.

**1850 — Caja Vital Kutxa founded** distinctive Basque savings banking heritage.

**Jan 1 2012 — Kutxabank S.A. founded via BBK + Kutxa + Caja Vital Kutxa Basque savings banks merger** distinctive Spanish savings bank restructuring + Basque banking consolidation post-Spanish banking crisis.

**2014 — Kutxabank Mobile Banking app launch**.

## Ownership & operator

**Operating entity**: **Kutxabank S.A.** (Basque commercial bank; BBK + Kutxa + Vital Foundation Banking Group controlling).

**Major shareholders**: **BBK Banking Foundation ~57% controlling + Kutxa Foundation ~32% + Vital Foundation Banking Group ~11% (Basque Foundation Banking Group; Foundation Banking Group post-2013 Spanish savings bank reform)**.

**Regulators**: **Banco de España + ECB**.

## Technical integration

Kutxabank Mobile Banking app (iOS + Android; ~2.4M+ customers) + kutxabank.es online + Kutxabank branch network across Spain (Basque Country + Madrid + other Spanish regions) + Kutxabank Visa + Mastercard cards; SEPA + SEPA Instant + EPC-QR + Bizum (Spanish bank-consortium A2A mobile payments) + Wero (post-EPI launch).

## Implementations & partners

**Major Spanish banking + Bizum competitors**: [BBVA Spain App](https://docs.barcoder.ai/docs/wallets/bbva-spain) (BBVA Spain; Spain's largest commercial bank by assets) + [CaixaBank + imagin](https://docs.barcoder.ai/docs/wallets/caixabank) (CaixaBank; Spain's #2 commercial bank by assets + Imagin digital subsidiary) + [Banco Santander (Spain parent)](https://docs.barcoder.ai/docs/wallets/santander-spain) (Banco Santander Spain; Spain's #3 commercial bank by assets) + [Banco Sabadell](https://docs.barcoder.ai/docs/wallets/banco-sabadell) (Banco Sabadell; Spain's #4 commercial bank by assets) + [Bankinter](https://docs.barcoder.ai/docs/wallets/bankinter) (Bankinter Spanish commercial bank) + [Unicaja Banco](https://docs.barcoder.ai/docs/wallets/unicaja) (Unicaja Banco; Spain's #5 commercial bank by assets) + [Abanca](https://docs.barcoder.ai/docs/wallets/abanca) (Abanca Spanish commercial bank) + [Ibercaja Banco (Spain)](https://docs.barcoder.ai/docs/wallets/ibercaja) (Ibercaja Banco S.A. Aragonese commercial bank; ~2.7M+ customers + Aragonese banking heritage) + [Bizum](https://docs.barcoder.ai/docs/standards/bizum) (Spanish bank-consortium A2A mobile payments) + Openbank (Openbank Santander digital bank).

**Regulators**: Banco de España + ECB.

## Status

**Active, Basque commercial bank post-Jan 1 2012 BBK + Kutxa + Caja Vital Kutxa Basque savings banks merger + ~2.4M+ customers + BBK Banking Foundation + Kutxa Foundation + Vital Foundation Banking Group controlling + one of largest Spanish regional commercial banks** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://www.kutxabank.es/ "Kutxabank — official"
[2]: https://en.wikipedia.org/wiki/Kutxabank "Kutxabank — Wikipedia"
[es-cro]: https://docs.barcoder.ai/docs/payments/ES

- [1] [Kutxabank — official][1]
- [2] [Kutxabank — Wikipedia][2]
- <sup>[Spain report](https://docs.barcoder.ai/docs/payments/ES)</sup> In-corpus: `reports/countries/ES-spain.md`

## Source

Biography extracted from [kutxabank.md](https://docs.barcoder.ai/source/wallets/kutxabank). See `matrix.md` for standards-support matrix if present.