BANCA DI CREDITO COOPERATIVO DI SAN MARZANO DI SAN GIUSEPPE - TARANTO - SOCIETA' COOPERATIVA products, services and reviews

About BANCA DI CREDITO COOPERATIVO DI SAN MARZANO DI SAN GIUSEPPE - TARANTO - SOCIETA' COOPERATIVA

BANCA DI CREDITO COOPERATIVO DI SAN MARZANO DI SAN GIUSEPPE – TARANTO – SOCIETA’ COOPERATIVA is an Italian cooperative credit institution based in San Marzano di San Giuseppe (Taranto, Apulia) operating under the Banca di Credito Cooperativo model. It is member-owned and governed on a one-member-one-vote basis, with operations focused on retail clients, professionals, and small and medium-sized enterprises in its catchment area. The bank offers standard domestic services such as current and payment accounts, savings and time deposits, SEPA transfers and direct debits, debit and credit cards (including PagoBANCOMAT and major international circuits), and ATM access via the national Bancomat network, alongside retail mortgages, consumer credit, and SME lending; investment and insurance products are typically distributed through bancassurance and cooperative-network arrangements. Digital channels usually include internet and mobile banking with strong customer authentication under PSD2, payment notification tools, and support for online purchases (3‑D Secure), while instant payments and wallet compatibility depend on enabled circuits. Business services generally cover POS and e-commerce acquiring, remote banking for treasury functions (CBI), guarantees, and access to leasing or factoring via group partners. As part of Italy’s cooperative credit system, it participates in the sector’s institutional protection scheme, and eligible deposits are covered up to EUR 100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo in line with EU rules; cooperative membership shares, if subscribed, are equity instruments and are not covered by deposit insurance. The bank is subject to Italian and EU banking regulation and supervision (Banca d’Italia oversight, with SSM framework applicable at system level), anti‑money‑laundering controls, and consumer transparency requirements; product terms, fees, and interest rates are published in the Fogli Informativi and pre‑contractual documents (e.g., ISC for accounts, SECCI for consumer credit, ESIS for mortgages). Account opening and lending require standard identification and documentation under KYC rules; availability of remote onboarding and specific eligibility conditions can vary by product and policy. The institution’s footprint is local, so branch access and in‑person services are concentrated in the Taranto area, with remote channels covering most daily needs; for cross‑border services, foreign currency operations, or specialized investment solutions, clients should verify current coverage and costs in the latest price lists and contractual disclosures.