BANCATER CREDITO COOPERATIVO FVG - SOCIETA' COOPERATIVA

BANCATER CREDITO COOPERATIVO FVG – Società Cooperativa is a local cooperative bank operating in Friuli Venezia Giulia under the Italian mutual banking model (BCC). It uses the “BancaTer” brand and follows the one-member-one-vote principle typical of cooperatives, with a focus on retail customers, small and medium-sized enterprises, agribusiness, and non-profits in its catchment area. The bank offers standard Italian retail and SME banking services, including current accounts, savings and time deposits, domestic and SEPA transfers, debit and credit cards, mortgages, personal loans, business credit lines, and merchant acquiring (POS). Investment and insurance products are typically distributed through partnerships within the cooperative credit network. Digital channels include online and mobile banking with strong customer authentication in line with PSD2, while more complex products (such as mortgages and some business lending) generally require branch-based processes. Eligible deposits are protected up to EUR 100,000 per depositor, per bank, by an Italian deposit guarantee scheme compliant with EU rules, and the institution is supervised by the Bank of Italy within the European prudential framework. Pricing follows the Italian transparency regime, with fees and rates set out in pre-contractual information sheets; costs can vary by account package and usage (for example, card issuance, out-of-network ATM withdrawals, or international transfers). The branch-centric model supports local operations but entails limited geographic coverage outside its region, and certain services may be provided through group arrangements rather than in-house. Account opening generally requires standard identification and tax documentation; remote onboarding availability depends on product and regulatory requirements. International payments rely on SEPA and, where applicable, SWIFT via the cooperative network.