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

About Caja Rural de Guissona, Sociedad Cooperativa de Crédito

Caja Rural de Guissona, Sociedad Cooperativa de Crédito is a Spanish cooperative credit institution headquartered in Guissona (Lleida, Catalonia) that operates under the supervision of Banco de España and within the European banking regulatory framework. It provides retail and SME banking services typical of rural cooperatives, including current and savings accounts, term deposits, debit and credit cards, domestic and SEPA payments, cash services, and lending such as consumer loans, mortgages, and business or agricultural finance. The institution serves individuals, self-employed clients, and local businesses, reflecting its origins in the cooperative movement linked to the agrifood economy of its home region, and maintains a compact branch footprint concentrated around its core market, complemented by online and mobile banking channels that support account management, payments, and basic customer service. Fees, conditions, and interest rates vary by product and customer profile, and account packages may require salary domiciliation or other activity to reduce or avoid maintenance and card fees; standard documentation and due‑diligence procedures apply for onboarding and credit assessment. Deposits are protected by the Spanish Deposit Guarantee Fund (Fondo de Garantía de Depósitos de Entidades de Crédito) up to €100,000 per depositor and entity; the guarantee does not cover securities or investment funds, which carry market risk. Payment services follow SEPA standards, with international transfers typically routed through correspondent banks, and security measures comply with strong customer authentication requirements under PSD2. As a cooperative, the entity may offer membership participation to clients subject to its by‑laws, with governance rights attached to cooperative shares and separate from ordinary banking products. Prospective customers should review the bank’s current schedule of fees, interest rates, and pre‑contractual information documents, and confirm branch and ATM access options for their location before opening an account.