Caixa de Crédit dels Enginyers- Caja de Crédito de los Ingenieros, S. Coop. de Crédito

Caixa de Crédit dels Enginyers – Caja de Crédito de los Ingenieros, S. Coop. de Crédito is a Spanish cooperative credit institution headquartered in Barcelona and integrated in the Caja de Ingenieros Group. Established in 1967, it operates under a mutual model in which clients can become member-owners by subscribing cooperative capital contributions set out in its bylaws; membership may be required for access to certain products and services. It offers retail and SME banking including current and savings accounts, domestic and international transfers within SEPA, cards, online and mobile banking, consumer credit, and mortgages, alongside investment funds and pension plans managed by group companies and a range of insurance products. The entity is authorized and supervised by Banco de España within the European banking framework; eligible deposits are protected by Spain’s Deposit Guarantee Fund up to €100,000 per depositor and per entity, while cooperative capital contributions are risk-bearing instruments that are not covered by the deposit guarantee and are subject to issuance and redemption rules. Distribution combines a limited branch network in major Spanish cities with digital channels; onboarding and product availability depend on identity verification, residency, and compliance checks. Historically focused on engineers and technical professionals, it has broadened its target market while maintaining the cooperative ownership structure. Fees, rates, and conditions vary by product and client profile, and may include account maintenance or card fees, credit underwriting requirements, and minimums for investment products; customers should review the applicable contractual terms and the cooperative’s governance rules before subscribing capital or contracting services.