BANCA DI CREDITO COOPERATIVO DELLA PROVINCIA ROMANA SOCIETA' COOPERATIVA products, services and reviews

About BANCA DI CREDITO COOPERATIVO DELLA PROVINCIA ROMANA SOCIETA' COOPERATIVA

BANCA DI CREDITO COOPERATIVO DELLA PROVINCIA ROMANA SOCIETA’ COOPERATIVA is a local cooperative credit institution serving households, self-employed professionals, SMEs and non-profits primarily in the province of Rome and surrounding areas. Operating under the Italian cooperative banking framework, it is part of the Iccrea Cooperative Banking Group (Gruppo Bancario Cooperativo Iccrea) and follows the group’s risk, capital and compliance standards under consolidated supervision by the Bank of Italy and the ECB. The bank offers current accounts, payment services (SEPA transfers, standing orders, direct debits, pagoPA), debit and credit cards via the cooperative network, online and mobile banking through group platforms, savings and term deposits, mortgages, personal loans and leasing/factoring for businesses. Investment and insurance solutions are distributed through group companies, with standard MiFID II suitability and product governance requirements. Membership as a “socio” typically requires subscribing cooperative shares and confers voting rights and, in some cases, differentiated commercial conditions; non-members can access most retail services at standard terms. Pricing varies by account package and usage, with conditions published in the Foglio Informativo as required by Italian transparency rules; statutory stamp duty and government taxes apply where relevant. Deposits are protected up to 100,000 euro per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo, consistent with EU rules, while the group framework provides additional support mechanisms aimed at safeguarding stability. The operating model emphasizes proximity lending and knowledge of the local economy; this can entail concentration in the reference territory, a branch footprint focused on Lazio and a product shelf that is narrower than that of large universal banks, particularly for complex corporate, investment banking or international services. Digital onboarding and strong customer authentication are available in line with PSD2, though some products still require in-branch execution.