CASSA DI RISPARMIO DI FERMO S.P.A. (IN FORMA ABBREVIATA CARIFERMO S.P.A.) products, services and reviews

About CASSA DI RISPARMIO DI FERMO S.P.A. (IN FORMA ABBREVIATA CARIFERMO S.P.A.)

CASSA DI RISPARMIO DI FERMO S.P.A. (IN FORMA ABBREVIATA CARIFERMO S.P.A.) is a regional Italian savings bank headquartered in Fermo that focuses on retail and small-business banking in the Marche area through a local branch network and standard digital channels. The bank offers current and savings accounts, time deposits, domestic and international payments (including SEPA credit transfers and direct debits), debit and credit cards for ATM and POS use, and consumer and mortgage lending; for businesses, it provides working-capital facilities, term loans, basic cash-management and POS services, and access to international transfers via the SWIFT network. Investment and insurance products are distributed under the MiFID II and IDD frameworks, with advisory and order execution provided in line with Italian conduct rules. Online and mobile banking cover routine operations such as transfers, bill payments, account monitoring, and card controls, and strong customer authentication is applied under PSD2; card transactions commonly use industry-standard 3-D Secure protocols for e-commerce. Pricing follows Italian market practice, with published fee schedules that typically include account maintenance charges, channel-dependent transfer fees, card issuance and renewal costs, ATM withdrawal fees outside the bank’s network, custody and brokerage fees for investment services where applicable, and statutory stamp duty (imposta di bollo) on accounts and securities per law. Deposits are protected up to €100,000 per depositor by the Fondo Interbancario di Tutela dei Depositi, and the bank operates under authorization and prudential supervision by the Bank of Italy within the European banking supervisory framework. The operating model is branch-centric, with advisory delivered in person and by phone during business hours, while digital tools support day-to-day self-service; the geographic focus may limit in-person access for clients outside the Marche region. Corporate governance follows the standard Italian joint-stock company structure with a board of directors and statutory auditors, and the bank publishes annual financial statements and regulatory disclosures that outline capital, liquidity, and risk metrics according to applicable EU and Italian regulations.