Caja Rural de Aragón, Sociedad Cooperativa de Crédito products, services and reviews

About Caja Rural de Aragón, Sociedad Cooperativa de Crédito

Caja Rural de Aragón, Sociedad Cooperativa de Crédito, is a Spanish cooperative bank headquartered in Zaragoza that operates mainly in Aragón and nearby regions and belongs to Grupo Caja Rural. It provides standard retail and SME banking services, including current and savings accounts, time deposits, debit and credit cards, consumer loans, mortgages, agricultural finance, leasing, factoring, guarantees, and merchant services, and distributes insurance through group partners. Digital access is provided via the Ruralvía online and mobile channels with PSD2 strong customer authentication, SEPA credit transfers and direct debits, Bizum for person-to-person payments, and support for international transfers via SWIFT; cash access is available through the Euro 6000 ATM network. As a cooperative, customers can become members by subscribing cooperative capital, with governance based on member participation and results allocated primarily to reserves under applicable rules. The entity is supervised within the European banking framework (Single Supervisory Mechanism) as a less significant institution under the Banco de España, applies CRR/CRD capital and conduct requirements, and participates in Spain’s Deposit Guarantee Fund for Credit Institutions, which protects eligible deposits up to 100,000 euros per depositor and entity. Account opening and product eligibility follow Spanish identification and residency rules, typically completed in branch and, where enabled, through remote onboarding; pricing, interest rates, and fee waivers depend on product terms and customer profile and are published in the bank’s official fee schedules. Customer service is available through branches and remote channels, with a regulated complaints process via its Servicio de Atención al Cliente and, if unresolved, the Banco de España claims service.