BCC DI ALBA, LANGHE, ROERO E DEL CANAVESE S.C. products, services and reviews

About BCC DI ALBA, LANGHE, ROERO E DEL CANAVESE S.C.

BCC di Alba, Langhe, Roero e del Canavese S.C. (often branded as Banca d’Alba) is a cooperative bank based in Piedmont, Italy, serving households, professionals, small businesses, agriculture and local enterprises across the Langhe, Roero and Canavese areas through a regional branch network and digital channels. As a Banca di Credito Cooperativo, it operates within the Italian cooperative credit system under Bank of Italy and ECB oversight, is part of an institutional protection scheme applicable to BCC groups, and its euro deposits are covered up to €100,000 per depositor by the Italian deposit guarantee scheme for cooperative banks, in line with EU rules. The bank offers current and payment accounts, debit and credit cards on international circuits, domestic and SEPA payments, savings and time-deposit options, mortgages, personal loans, SME lending, leasing and agribusiness financing; investment and insurance products are distributed through bancassurance and fund partners, with MiFID II suitability and KYC requirements. Online and mobile banking support payments, card controls and account monitoring with strong customer authentication; corporate clients can access business e-banking, POS/acquiring solutions and treasury tools, with trade, guarantees or factoring typically available via partners. Governance follows the mutual cooperative model (one member, one vote); becoming a member requires purchasing shares, which are not covered by deposit insurance and can fluctuate or be illiquid. Pricing is published in the Foglio Informativo and the standardized Fee Information Document; rates and fees vary by package and risk profile and may change. Account opening generally occurs in-branch with valid ID and codice fiscale, with digital onboarding available for selected products. Lending decisions and limits follow group risk frameworks and Italian consumer credit rules; complaints handling adheres to regulatory timelines and external ADR options.