BANCA DI CREDITO COOPERATIVO DI CAGLIARI SOCIETA' COOPERATIVA

BANCA DI CREDITO COOPERATIVO DI CAGLIARI SOCIETA’ COOPERATIVA is a local cooperative credit institution based in Cagliari and operating within Italy’s cooperative banking framework. It provides standard retail and small-business services in its reference area, including current and savings accounts, payment instruments (SEPA transfers, PagoBANCOMAT/Bancomat cash access, debit and credit cards), online and mobile banking, consumer and mortgage lending, and working-capital and investment financing for SMEs and professionals, along with bancassurance and investment products distributed through group arrangements. As a BCC, it applies cooperative governance (membership via purchase of cooperative shares, one-member-one-vote, limited share transferability and dividend constraints under law and by-laws) and operates under Italian and EU banking regulations, with prudential supervision at the entity and group level. Eligible deposits are protected up to €100,000 per depositor by the cooperative credit deposit guarantee scheme, consistent with the EU directive, and the broader cooperative group maintains internal support mechanisms designed to preserve stability. Pricing is product-specific and disclosed in the mandatory information sheets; for payment accounts an Indicatore Sintetico di Costo is provided, while loans disclose TAN/TAEG, fees, collateral requirements and early-repayment conditions; investment services are subject to MiFID II suitability/appropriateness assessments and delivery of key information documents. Complaint handling follows Italian transparency rules, with escalation options including the Arbitro Bancario Finanziario. The bank’s risk profile reflects typical features of small cooperative lenders, such as a primarily local loan book, reliance on retail funding, and risk-sharing at group level. Prospective clients should review up-to-date terms, fee schedules and operational coverage (branches, ATM network, digital channels) before opening accounts or applying for credit.