CIVIBANK BANCA DI CIVIDALE SOCIETA' PER AZIONI O IN FORMA ABBREVIATA products, services and reviews

About CIVIBANK BANCA DI CIVIDALE SOCIETA' PER AZIONI O IN FORMA ABBREVIATA

CIVIBANK – Banca di Cividale Società per Azioni (CiviBank S.p.A.) is a regional Italian bank headquartered in Cividale del Friuli (Udine) that operates primarily across Friuli Venezia Giulia and parts of the neighboring Veneto. It offers standard retail and business banking products, including current accounts, debit and credit cards, mortgages, personal loans, SME financing, agribusiness lending, payment services, POS and acquiring, and treasury solutions. Investment and savings options are available under MiFID II rules, typically via managed portfolios, funds, and securities brokerage, alongside bancassurance products; these carry market and capital risks that customers should assess. Day-to-day banking is supported by online and mobile channels with PSD2 strong customer authentication, while SEPA transfers and domestic payments are standard; international transfers and FX are available but subject to fees and spreads common to Italian banks of similar size. Account opening generally requires standard identification and tax documentation, with in-branch onboarding prevalent and remote procedures offered where regulation and internal policy allow. The bank is supervised by the Bank of Italy within the European regulatory framework and participates in the Fondo Interbancario di Tutela dei Depositi, which protects eligible deposits up to €100,000 per depositor per bank. Pricing follows Italian transparency rules, with typical charges for account maintenance, cards, cash operations, and out-of-network services; conditions vary by package and customer profile. The branch network supports cash services, advisory, and business relationship management, but the geographic footprint is concentrated, which may matter to clients needing extensive nationwide coverage. For businesses, solutions include working-capital lines, term loans, guarantees, leasing via partners, trade services, and digital tools for collections and payments; credit availability and pricing depend on creditworthiness and collateral. CiviBank’s proposition suits customers prioritizing a regional relationship model with regulated protection and essential digital functionality; those seeking a wider physical network, specialized corporate services at scale, or premium international banking features may need to compare offers from larger national groups or dedicated providers.