CASTAGNETO BANCA 1910 - CREDITO COOPERATIVO - S.C. products, services and reviews

About CASTAGNETO BANCA 1910 - CREDITO COOPERATIVO - S.C.

CASTAGNETO BANCA 1910 – CREDITO COOPERATIVO – S.C. is an Italian cooperative bank based in Tuscany that operates under the mutual-banking framework set out in Italian law, serving households, small and mid-sized businesses, agribusiness, and non-profit entities in its local area. As a Banca di Credito Cooperativo, it is organized as a Società Cooperativa with “one member, one vote” governance; becoming a member requires subscribing cooperative shares and admission by the bank, while access to most retail services is available to non-members as well. The bank offers standard retail and SME banking products, including current and savings accounts, debit and credit cards, personal and business loans, mortgages, POS and e-commerce acquiring, payment services (SEPA transfers and direct debits, domestic bill payments such as F24 and PagoPA), and investment and insurance distribution through group and third-party providers; pricing, eligibility, and documentation requirements are set out in the official pre-contractual disclosures (fogli informativi, documenti di trasparenza) and vary by product. Digital channels include online and mobile banking with strong customer authentication under PSD2; certain operations may still require branch interaction. Following the sector reform for cooperative banks, it adheres to a nationwide BCC banking group that provides consolidated risk management, capital, and IT support and places the bank within the ECB/SSM supervisory perimeter; deposits are protected up to the statutory limit of 100,000 euro per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo, and the bank participates in the cooperative sector’s institutional protection scheme. Account opening typically requires a valid ID and Italian tax code, and lending is subject to credit assessment benchmarks and collateral rules commonly used in the market (e.g., Euribor/IRS-linked pricing for variable/fixed-rate mortgages). Customers can consult branch and contact details, regulatory disclosures, and complaint procedures on the bank’s official channels; dispute resolution follows Italian banking ombudsman processes where applicable.