Caixa Rural Vinarós, S. Coop. de Credit. V.

Caixa Rural Vinarós, S. Coop. de Credit. V. is a Spanish cooperative credit institution based in Vinaròs (Castellón) that operates primarily in its local catchment area, serving households, self-employed professionals, SMEs, and the agricultural sector. As a cooperative, it is owned by member-customers who may subscribe cooperative shares and exercise voting rights in the general assembly; standard banking customers can use services without becoming members. The entity is supervised as a less significant institution by Banco de España within the euro area prudential framework and is a participant in SEPA; eligible deposits are covered by Spain’s Fondo de Garantía de Depósitos up to €100,000 per depositor and entity. The product set is typical of Spanish rural banks: current and savings accounts, time deposits, debit and credit cards, domestic and international transfers, direct debits, and cash management; on the asset side, mortgages, consumer loans, working-capital lines, investment and agricultural finance. It distributes insurance and savings-investment products through group-aligned partners and offers online and mobile banking via the Grupo Caja Rural platform (including strong customer authentication and PSD2-compliant access), along with access to a shared ATM network; fees for withdrawals at third-party ATMs and account maintenance follow published tariffs and may vary by customer profile and linked activity. Pricing, eligibility, and documentation requirements for products follow Spanish market norms and are set out in pre-contractual information sheets and contracts. The bank publishes audited annual accounts and regulatory disclosures (capital, liquidity, and risk metrics) in line with Banco de España and Basel III reporting, and it maintains a limited branch footprint relative to national banks, which can affect in-person access outside its core area.