🏠 How to Buy Property in Spain with Cryptocurrency in 2025: A Full Legal Guide

Buying property in Spain with cryptocurrency is not only possible in 2025, it is 100% legal when done correctly. As digital assets like Bitcoin, Ethereum and stablecoins become mainstream, more international investors are asking the same question:
Can I buy real estate in Spain using my crypto?

The answer is yes, and this article explains exactly how.

Whether you’re a crypto investor, tech entrepreneur, digital nomad or high-net-worth individual, here’s a complete legal guide to purchasing property in Spain using cryptocurrency in a safe and compliant way.

✅ Is it Legal to Buy Real Estate in Spain with Cryptocurrency?

Yes, it is legal, but not in crypto directly.

Under Spanish law, the final transaction must be executed in euros at the notary. However, buyers can use crypto as the origin of funds, provided it is converted to fiat currency (EUR) before completing the purchase.

At Vicox Legal, we specialise in handling the legal process, ensuring your crypto assets can be legally and securely used to invest in Spanish real estate.

🔁 Crypto to Euro: How the Process Works

You don’t need to sell your crypto on an exchange or figure it out on your own. We work with regulated and audited crypto-fiat providers that:

• Convert your crypto into euros at market rates
• Issue legal proof of funds and conversion
• Deposit the euros into a Spanish account ready for the notary payment
• Ensure AML (Anti-Money Laundering) compliance throughout the process

This step is essential, it makes the transaction traceable and acceptable to Spanish authorities, notaries and banks.

📄 What Legal Documents Do You Need?

To comply with Spanish law, you will need to provide:

• Proof of identity (passport, NIE number)
• Proof of funds (wallet history, origin of crypto, tax status)
• AML documentation from the exchange or OTC provider
• A legal source of funds declaration

Our legal team handles the documentation, drafts contracts, liaises with the notary and ensures every stage of the purchase is legally covered.

🏘️ What Type of Property Can I Buy with Crypto?

With the right legal framework, you can buy any kind of real estate in Spain:

• Holiday homes
• Investment flats
• Luxury villas
• Commercial properties
• New builds or resale properties

Locations like Marbella, Ibiza, Madrid, Barcelona and the Costa del Sol are especially popular with crypto buyers due to their international appeal and rental potential.

📌 Step-by-Step: Buying Property in Spain with Crypto

1. Choose the property and agree on the price
2. Legal due diligence by our team (title, permits, debts)
3. Private purchase agreement signed
4. Crypto converted to euros through our regulated partner
5. Final payment made in euros at the notary
6. Property registered in your name at the Land Registry

All taxes and fees are paid just as in a regular transaction. Crypto buyers do not pay additional taxes simply for using digital assets.

💸 What Taxes Are Involved?

Tax obligations depend on the type of property and your residency status, but generally include:

• Transfer Tax (ITP) for resale properties (6–10%)
• VAT + Stamp Duty for new builds (10% + 1.5%)
• Notary, registration and legal fees (approx. 2–3%)

If your crypto increased in value, you may also be liable for capital gains tax in your country of tax residence.

We work with international tax advisors to ensure global compliance.

📍 Why Work with Vicox Legal?

Vicox Legal is one of Spain’s leading law firms in blockchain and real estate law. Our crypto + property legal service is trusted by:

• Private investors
• Web3 founders
• Digital nomads
• High-net-worth individuals
• Family offices

We provide:

✅ Legal structuring from start to finish
✅ AML and KYC verification
✅ Smart handling of crypto-fiat conversion
✅ Notary representation
✅ Bilingual legal team (English + Spanish)

📞 Ready to Buy Property in Spain with Crypto?

Buying real estate with crypto in Spain is no longer a futuristic idea, it’s happening today.

If you’re holding Bitcoin, Ethereum or stablecoins and want to diversify into Spanish property, we’ll help you do it legally, safely and efficiently.

📩 Contact us today for a free consultation with our legal experts.
Let’s turn your crypto into something tangible, your next home or investment in Spain.