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

About Caja Rural de Extremadura, Sociedad Cooperativa de Crédito

Caja Rural de Extremadura, Sociedad Cooperativa de Crédito is a regional cooperative credit institution operating in Spain’s Extremadura, integrated in Grupo Caja Rural and the Asociación Española de Cajas Rurales, and delivering services through a local branch and ATM network and via Ruralvía (web and mobile). Its offering covers current and savings accounts, term deposits, debit and credit cards, domestic payments and SEPA transfers, international transfers where applicable through group counterparties, mortgages, consumer loans, leasing, agricultural financing and advances linked to farming campaigns, guarantees, and merchant solutions for physical and online commerce. It distributes life and non-life insurance from Seguros RGA and markets investment funds and pension plans managed by group entities, with MiFID suitability and standardized precontractual disclosures where relevant. Digital channels provide account management, transfers, standing orders, card controls and P2P payments through Bizum, with strong customer authentication under PSD2. For companies and cooperatives it provides working capital lines, loans for investment, guarantees, confirming and factoring, and can intermediate official financing programs when available through group partnerships. Governance follows the cooperative model with member-shareholders and statutory allocations to a Fondo de Educación y Promoción for social initiatives in the region. The institution is supervised by Banco de España within the EU supervisory framework and is a member of the Fondo de Garantía de Depósitos de Entidades de Crédito, which covers eligible deposits up to 100,000 euros per depositor. Pricing, eligibility and conditions vary by product and are published in the bank’s precontractual information and standardized fee documents; credit facilities are subject to approval and, where applicable, collateral requirements, investment products involve market risk, and insurance is distributed under the bancassurance regime.