BANCA TERRITORI DEL MONVISO - CREDITO COOPERATIVO DI CASALGRASSO E SANT'ALBANO STURA SOCIETA' COOPERATIVA products, services and reviews

About BANCA TERRITORI DEL MONVISO - CREDITO COOPERATIVO DI CASALGRASSO E SANT'ALBANO STURA SOCIETA' COOPERATIVA

Banca Territori del Monviso – Credito Cooperativo di Casalgrasso e Sant’Albano Stura Società Cooperativa is a local cooperative credit institution based in Piedmont that serves households, small businesses, and the agricultural sector through a regional branch network. It offers standard retail and SME banking services including current accounts, savings and term deposits, mortgages and personal loans, business lending, payment cards on domestic and international circuits, SEPA transfers, POS and e-commerce acquiring, and online/mobile banking; leasing, factoring, insurance, and investment products are typically provided via affiliated partners within the cooperative credit network. As a mutual bank, governance follows the one-member-one-vote principle; customers can become members by subscribing cooperative shares, with dividends and rights governed by Italian cooperative banking rules, and the board is elected locally. In line with Italian reforms, the bank adheres to a national cooperative banking group that provides consolidated supervision, capital support, and shared risk management frameworks. Deposits are protected up to EUR 100,000 per depositor under the Fondo di Garanzia dei Depositanti del Credito Cooperativo, and investment services are subject to MiFID II requirements with standardized disclosures. Fees are structured around account packages with periodic charges; pricing for transfers, withdrawals, cash services, international payments, and business banking varies by plan and channel, and international and non-euro transactions generally cost more than domestic SEPA operations. Account opening requires standard identification and anti–money laundering checks; non-resident onboarding may involve additional documentation. Digital channels implement PSD2 strong customer authentication and support common features such as card controls and instant payments where enabled, though the breadth of tools and integrations is more limited than at large national banks or specialist fintechs. Constraints include a geographically concentrated footprint, a product set oriented to everyday banking rather than complex corporate finance or advanced wealth solutions, and a service model that relies on local branches and relationship management.