BANCA DI CREDITO COOPERATIVO DI BRESCIA - SOCIETA' COOPERATIVA (ABBR. BCC BRESCIA - SOCIETA' COOPERATIVA) products, services and reviews

About BANCA DI CREDITO COOPERATIVO DI BRESCIA - SOCIETA' COOPERATIVA (ABBR. BCC BRESCIA - SOCIETA' COOPERATIVA)

Banca di Credito Cooperativo di Brescia – Società Cooperativa (abbr. BCC Brescia – Società Cooperativa) is an Italian cooperative credit institution based in the Province of Brescia, operating within the national BCC framework established by Italian law for cooperative banks and adhering to a banking group that provides centralized risk controls, coordination, and cross‑guarantee mechanisms. Its offering covers retail and SME services including current and savings accounts, time deposits, domestic and SEPA credit transfers, SEPA direct debits, debit and credit cards on international circuits, ATM access via the Bancomat/PagoBANCOMAT network, POS and e-commerce acquiring, and lending products such as mortgages, personal loans, credit lines, and financing for businesses and agriculture, with access to public guarantee schemes where applicable. Investment and savings solutions are distributed under MiFID II rules (e.g., government bonds, mutual funds, portfolio management, insurance and pension products via partners), with suitability and appropriateness assessments. Digital channels include online and mobile banking with strong customer authentication under PSD2; open-banking APIs for licensed third parties are available as required by regulation, and remote onboarding or electronic signatures may be offered subject to identification rules. Euro-area payments are processed through SEPA, while cross-border and foreign-currency transfers are executed via SWIFT and correspondent banks. Deposits are protected up to €100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo in line with EU Directive 2014/49/EU; investor-compensation coverage, where relevant, follows the sector scheme. Fees and conditions are disclosed in the Foglio Informativo and Documento di Sintesi and vary by account package and channel, including charges for maintenance, transfers, cards, cash withdrawals, and merchant services. Governance follows the mutual model based on member shares and one-member-one-vote, with prudential and conduct supervision by the Bank of Italy and, for investment services, Consob; group-level oversight is integrated into the national supervisory framework. The physical footprint is concentrated in Brescia and surrounding areas, with customer service available through branches and remote channels; eligibility, documentation, and processing times depend on product type and customer profile.