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Protecting your legacy

Private Banking · Wealth Management

Our vision

Always on the client's side

We support high-net-worth clients in the decisions that define the continuity of their capital and their legacy. We combine personalised advice, wealth planning and investment strategies with a global perspective gained in international private banking.

Agents of Bankinter: you receive personalised, attentive advice from BU Capital, while your positions and investments are held in complete safety at Bankinter. The best of both worlds: the close relationship of a wealth boutique and the strength of one of Spain's most prestigious financial institutions.

Our clients

Who we work with

We work with a range of profiles who share the same need: rigorous, close and forward-looking management of their wealth.

Families and established wealth

Families seeking to preserve and pass on their wealth to future generations through orderly, efficient planning.

Business owners and entrepreneurs

Professionals who have built their wealth through their business and need to structure and diversify it.

International investors

Latin American clients seeking geographic diversification and a solid wealth presence in Europe, as well as European residents in southern Spain, with a particular presence on the Costa del Sol.

Senior professionals

Executives and professionals with high incomes who need to optimise and grow their wealth with expert support.

Property investors

Those wishing to add real estate to their portfolio with access to exclusive off-market opportunities.

Athletes and entertainment professionals

Profiles with high incomes and intense but often short careers, who need to plan and protect their wealth with a long-term view.

Our approach

A different way of supporting you

Long-term vision

Long-term vision

Our success lies not in the short term or in placing products, but in building a lasting relationship with the families we work with. That continuity is our true reward.

 Tailored management

Tailored management

Every strategy is built around your situation, your goals and your horizon, with no off-the-shelf solutions.

 Exclusive access

Exclusive access

Investment and property opportunities that are not available on the open market.

 Personal relationship

A close, personal relationship

We work with a limited number of clients so we can stay genuinely close to each one. This allows us to offer proper follow-up and a service that is responsive, efficient and held to a standard of excellence, built on trust and discretion.

Areas of expertise

Our services

01

Traditional Investments

Specialised advice on investment funds, ETFs, bonds and equities to build diversified portfolios aligned with your goals. We work under an open-architecture model, selecting products from different national and international asset managers; our remuneration does not depend on placing in-house products, so our judgement always remains aligned with your interests, free from conflicts of interest.

02

Alternative Investments

Access to structured products and private equity that complement traditional investments and enhance the diversification of your wealth.

03

Spain or Luxembourg

The flexibility to hold your investments in custody in Spain or Luxembourg, two of Europe's most prestigious and secure jurisdictions.

04

International Investors

A specialised service for Latin American investors seeking geographic diversification and a wealth presence in Europe, as well as for European clients resident in Spain, with particular focus on the Costa del Sol.

05

Financing

Tailored solutions: mortgages, personal loans and Lombard credit to optimise the structure of your wealth.

06

Wealth Planning

A comprehensive strategy for the organisation, protection and efficient transfer of your wealth, with full tax optimisation.

07

Unit Linked & Life Annuities

Savings and investment products with an insurance wrapper, combining protection, flexibility and significant tax advantages.

08

SICAV Management

Comprehensive advice and specialised management of open-ended investment companies (SICAVs) with optimised taxation.

Financial architecture

How we work

A clear method, from start to finish

01

Initial conversation

A first meeting, free of charge and without obligation, in person or remotely, to get to know each other and understand your situation.

02

Analysis of your wealth

We study your wealth, tax and family situation in depth, together with your short- and long-term objectives.

03

Tailored proposal

We design a strategy built around you, with rigour and transparency in every recommendation.

04

Ongoing follow-up

Permanent support, regular reviews and adjustment of the strategy to changes in the markets and in your life.

Advisory meeting

Real Estate

Property assets with exclusive access

Property assets are a cornerstone of wealth diversification and protection. We offer a comprehensive Real Estate advisory service that goes far beyond traditional brokerage.

Real Estate Investment

We support you in identifying, analysing and acquiring property assets with potential for appreciation and rental income.

Comprehensive Management

We provide a complete management service for your property portfolio.

Off-Market Opportunities

Thanks to our network of contacts, we give you exclusive access to property opportunities that are not available on the open market.

Property Financing

We structure the optimal financing for your property acquisitions.

Luxury Mediterranean villa

Founder

Fernando Caro Sierra

Fernando Caro Sierra

Private Banker · Founder

With close to 10 years of experience in private banking and wealth management, Fernando founded BU Capital with the vision of offering a personalised, attentive advisory service.

He has spent part of his career at two of Spain's leading financial institutions, where he developed a deep knowledge of the Spanish domestic market and of the specific needs of high-net-worth clients.

He has more than 5 years of experience in international private banking in Switzerland, where he formed part of the leading Swiss wealth management group, specialising in advising Spanish and Latin American clients and gaining a global perspective on wealth management in a first-class international environment.

LinkedIn →

Client service model

You decide how we work together

Every client has their own preferences in how they relate to their wealth adviser. That is why we offer two service models, delivered with the same professionalism, dedication and commitment.

Remote Service

When face-to-face meetings are not possible or not required, the bank's technology platform makes fully personalised, comprehensive wealth management possible with the same quality and professionalism.

In-Person Service

Personalised attention, at our offices or travelling across Jaén, Córdoba, Granada, Almería, Madrid and the rest of Spain, to support you in the management of your wealth wherever you are.

Offices

With offices in Jaén and Madrid, we also serve clients in Córdoba, Granada and Almería

JAÉN

C. Virgen de la Cabeza, s/n
23008 Jaén, Spain

MADRID

Paseo de la Castellana, 7
28046 Madrid, Spain

Let's talk

Every lasting relationship
begins with a conversation

There is no decision to make today. A first conversation, free of charge and without obligation, is the best way to get to know each other and for us to show you how we can help.

Request a conversation

Frequently asked questions

Answering your questions

What does it mean that you are agents of Bankinter?

It means you receive BU Capital's personalised, attentive advice, while your positions and investments are held in complete safety at Bankinter, one of Spain's most prestigious financial institutions. You benefit from the close relationship of a wealth boutique together with the strength and product range of a major bank.

Do you only work with Bankinter products?

No. We operate under an open-architecture model: we select products and solutions from different national and international asset managers according to what best suits each client. As our remuneration does not depend on selling in-house products, our judgement always remains aligned with your objectives, avoiding conflicts of interest.

Is there a minimum wealth requirement to become a client?

Every situation is different. We invite you to have a first conversation with us to explore how we can help: we will look at your case personally and without any obligation.

Is there a cost for the first meeting?

No. The first conversation is completely free and without obligation, whether at our offices in Jaén or Madrid, anywhere in Spain, or by video call.

Where are my investments held?

Your investments are held in custody at Bankinter, with the option of choosing between Spain and Luxembourg, two of Europe's most prestigious and secure jurisdictions. We never handle your money: it always remains at Bankinter.

Do you work with clients outside Spain?

Yes. We have a specialised service for Latin American investors seeking geographic diversification and a wealth presence in Europe, backed by years of international experience in Swiss private banking. We also serve European clients resident in Spain, with a particular presence on the Costa del Sol.