BANCA DI TARANTO E MASSAFRA - BANCA DI CREDITO COOPERATIVO - SOCIETA' COOPERATIVA products, services and reviews

About BANCA DI TARANTO E MASSAFRA - BANCA DI CREDITO COOPERATIVO - SOCIETA' COOPERATIVA

BANCA DI TARANTO E MASSAFRA - BANCA DI CREDITO COOPERATIVO - SOCIETA’ COOPERATIVA is an Italian cooperative credit bank operating in the province of Taranto (Apulia), organized under the BCC framework with mutualistic aims and member-based governance (one member, one vote). It provides standard retail and SME banking services, including current and savings accounts, term deposits, domestic and SEPA payments (credit transfers and direct debits), debit and credit cards on the national Bancomat/PagoBANCOMAT circuits and international schemes, ATM access, and point-of-sale and e-commerce acquiring via the cooperative network. Lending typically covers mortgages, personal loans, credit lines for small businesses and professionals, and financing linked to local commerce and agriculture, with risk assessment and pricing aligned to Italian banking rules. Investment and insurance products are distributed under the MiFID and IDD regimes through the cooperative system’s platforms, with execution, custody, and advisory services subject to CONSOB oversight; transparency documents (Foglio Informativo and KIDs where applicable) are published as required by Italian regulations. Online and mobile banking are available, supporting PSD2 strong customer authentication and API-enabled account access, alongside branch-based services for account opening and cash operations. Deposits are protected by the Fondo di Garanzia dei Depositi del Credito Cooperativo up to 100,000 euro per depositor, per bank, under EU Directive 2014/49/EU, and the institution participates in the cooperative sector’s institutional protection mechanisms aimed at prevention and support. The bank is supervised by Banca d’Italia for prudential matters and by CONSOB for investment services, and operates under Italian AML, consumer protection, and data privacy rules. Accessibility and product terms depend on customer profile and residency, with documentation typically including a valid ID and Italian tax code; fees, rates, and service levels are set locally and detailed in pre-contractual disclosures. As a local cooperative, geographic coverage and product breadth are focused on the surrounding area, and some processes remain branch-centric compared with larger national groups, while core payment, deposit, and credit services follow national standards.