Caja Rural de Granada, Sociedad Cooperativa de Crédito

Caja Rural de Granada, Sociedad Cooperativa de Crédito, is a Spanish cooperative credit institution based in Andalusia that operates primarily in retail and SME banking with a traditional emphasis on the agri-food sector. It is part of Grupo Caja Rural and the Asociación Española de Cajas Rurales, sharing infrastructure and certain services through Banco Cooperativo Español for payments, treasury, and access to markets. The entity offers current and savings accounts, debit and credit cards, mortgages, consumer and business loans, agricultural financing, insurance distribution (via the group’s bancassurance channels), investment funds and pension products from group and third-party managers, and merchant/payment solutions. Digital banking is provided through the group’s Ruralvía platform (web and app) for account management, SEPA transfers, bill payments, card controls, and P2P payments such as Bizum; cards operate on international schemes and typically have access to the Euro 6000 ATM network, with charges depending on each bank’s tariff policy. As a regulated credit institution, it is supervised within the EU banking framework (Banco de España/SSM) and deposits are protected by Spain’s Fondo de Garantía de Depósitos up to €100,000 per depositor and entity; investment products and cooperative capital are not covered by this scheme. Being a cooperative, customers may apply to become member-shareholders (socios) by subscribing cooperative capital, subject to approval and local rules; remuneration is discretionary and contingent on results and regulatory limits, and these instruments can carry liquidity and loss risks. The bank publishes fee schedules required by Banco de España, precontractual information under EU rules, audited annual accounts, and regulatory disclosures (e.g., Pillar 3). Customer service is available through branches and remote channels, with standard PSD2 strong customer authentication for online operations and an internal complaints process with escalation to the Banco de España claims service if needed. Fees, interest rates, geographic availability, and product conditions are set by the bank and outlined in its current terms and public tariffs.