BANCA DEL VENETO CENTRALE - CREDITO COOPERATIVO - SOC. COOP. products, services and reviews

About BANCA DEL VENETO CENTRALE - CREDITO COOPERATIVO - SOC. COOP.

BANCA DEL VENETO CENTRALE – CREDITO COOPERATIVO – SOC. COOP. is a cooperative bank operating across parts of the Veneto region, focused on retail clients, professionals, small and medium-sized enterprises, and the agricultural sector. As a BCC, it follows the mutual model (one member, one vote) and typically serves both members (“soci,” who subscribe cooperative shares) and non-members, offering a standard range of products: current and payment accounts, debit and credit cards, domestic SEPA and international SWIFT transfers, savings and time deposits, mortgages and personal loans, business credit lines and guarantees, POS acquiring and e-commerce solutions, as well as bancassurance and investment services distributed through group and partner platforms. Digital channels include online banking and a mobile app with PSD2-compliant strong customer authentication, card controls, payments, and basic self-service features; branch-based advisory remains central for credit and more complex needs. Pricing depends on the account package and usage, with maintenance fees, payment and transfer charges, and card fees disclosed in the Foglio Informativo and cost indicators required by Italian transparency rules; interest conditions on deposits and loans reflect market rates and internal risk assessment. Risk exposure is typical of local cooperative banks, with lending concentrated in households, property-related finance, and local SMEs, mitigated by collateral practices and group-level risk policies. Deposits are protected up to €100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo, and the bank is subject to Italian and European banking supervision within the cooperative banking group framework. Account opening generally requires standard KYC documents (ID, codice fiscale, proof of residence/registered office) and source-of-funds checks; availability of products and limits can vary by customer profile, creditworthiness, and regulatory requirements. For prospective clients, key points to verify are the specific account plan’s total cost of ownership (including ATM usage outside the network, card issuance and renewal, and transfer pricing), mortgage or loan APRs and ancillary fees, merchant acquiring conditions for POS/e-commerce, and the scope of digital features needed relative to branch accessibility.