Caja Rural del Sur, S. Coop. de Crédito products, services and reviews

About Caja Rural del Sur, S. Coop. de Crédito

Caja Rural del Sur, S. Coop. de Crédito is a Spanish cooperative credit institution operating mainly in Andalusia, combining retail and SME banking with specialized agrifood services. It is a member of Grupo Caja Rural and uses shared infrastructure such as Banco Cooperativo Español for treasury and clearing and the Ruralvía platform for digital banking. The bank provides current and savings accounts, term deposits, cards, domestic and international payments (including SEPA transfers), Bizum person-to-person payments, consumer loans, mortgages, working-capital lines, ICO-backed financing, trade services (factoring and confirming), and merchant acquiring. Insurance and pension products are distributed through Seguros RGA and affiliated entities. Pricing is set by published tariff schedules and individual terms; depositors are covered by Spain’s deposit guarantee scheme up to 100,000 euros per person and institution. Governance follows a cooperative model in which eligible customers may become members with representation through assemblies and a governing council. Distribution includes branches, online banking, mobile apps, and access to ATMs across the group and partner networks. The entity is supervised by Banco de España within the European banking framework for less significant institutions, and it operates under applicable PSD2, SEPA, anti–money laundering, and consumer protection rules. Availability of products and conditions depends on residency, suitability, and credit assessment; investment and securities services are provided through group-aligned firms where required.