BANCA DI BOLOGNA CREDITO COOPERATIVO SOCIETA' COOPERATIVA

BANCA DI BOLOGNA CREDITO COOPERATIVO SOCIETA’ COOPERATIVA is an Italian cooperative credit institution headquartered in the Bologna area and operating under the Banche di Credito Cooperativo framework. It focuses on retail and small to mid-sized enterprises in its local territory, offering current and payment accounts, savings and time deposits, payment cards co-badged for domestic PagoBANCOMAT and international circuits, SEPA credit transfers and direct debits, international transfers, tax and bill payment services (including F24, MAV/RAV, and PagoPA), and cash management. Lending spans mortgages, consumer credit, and SME financing, with leasing, insurance, and investment products typically provided directly or through group partnerships. Governance follows the cooperative model (membership via shareholding, one-member-one-vote), with a board elected by members and operations centered on mutuality and local development. The bank provides branch-based service supported by online and mobile banking channels, ATMs on the BANCOMAT network, remote banking for businesses (including CBI connectivity), and PSD2-compliant APIs with strong customer authentication. It is supervised by the Bank of Italy (prudential and conduct) and, for investment services, by Consob, and operates within the national cooperative banking group framework established by law; deposits are covered up to 100,000 euro per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo in line with EU deposit guarantee rules. Transparency requirements are met through “fogli informativi,” pre-contractual documents, and the “Documento informativo sulle spese,” which outline fees, interest rates, and key terms; annual financial statements and Pillar 3 disclosures are published according to regulation. Account opening generally requires valid identification and codice fiscale, with due diligence under anti–money laundering rules; business accounts require corporate documentation. The bank’s local focus implies a primarily regional footprint and product and platform alignment with its cooperative group; pricing, digital features, and service levels are comparable to peers in the Italian cooperative sector and vary by account line and profile.