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

About Caja Rural de Salamanca, Sociedad Cooperativa de Crédito

Caja Rural de Salamanca, Sociedad Cooperativa de Crédito, is a cooperative banking entity based in the province of Salamanca that focuses on retail, SME, and agribusiness finance and operates within the Grupo Caja Rural institutional protection system, sharing certain support and risk management mechanisms with peer cooperatives through Banco Cooperativo Español. It provides current and savings accounts, cards, mortgages, consumer and business lending, lines of credit, guarantees, leasing, and point-of-sale/payment solutions, alongside digital banking via web and mobile app with standard features such as transfers, card controls, and peer-to-peer payments (including Bizum). Investment and savings products are typically distributed through group platforms such as Gescooperativo (investment funds) and RGA Pensiones (pension schemes), and insurance is brokered through Seguros RGA/RGA Mediación; investment and insurance offerings are subject to MiFID II and IDD rules, respectively. The entity participates in SEPA for euro payments, executes international transfers via correspondent arrangements channelled through Banco Cooperativo Español, and issues cards on major networks; ATM and card acceptance rely on the group’s agreements and nationwide networks, with fees varying by machine and card type. As a Spanish credit institution, it is supervised by Banco de España within the European banking framework and covered by the Spanish Deposit Guarantee Fund up to 100,000 euros per depositor and entity; it applies PSD2 strong customer authentication and standard AML/CTF controls. As a cooperative, clients may become member-owners subject to capital contribution and bylaws, with local decision-making and a focus on financing agricultural campaigns and EU CAP-related needs. Pricing, interest rates, eligibility criteria, and digital features are published in pre-contractual information and may change; customer service and complaints are handled through the entity’s service channels and, if needed, the Banco de España complaints service.