Caixa Rural Les Coves de Vinromá, S. Coop. de Crédit V.

Caixa Rural Les Coves de Vinromá, S. Coop. de Crédit V., is a cooperative credit institution based in Les Coves de Vinromà (Castellón, Valencian Community, Spain) that operates under Spanish banking regulation as a sociedad cooperativa de crédito with a local retail focus. Its activity centers on deposit-taking and lending for individuals, small businesses, and primary-sector clients, offering current and savings accounts, time deposits, domestic and SEPA transfers, direct debits, payment cards, consumer and business loans, and residential mortgages; where applicable, it may also distribute third-party insurance and investment products under the corresponding regulatory regimes. Access is provided via the local branch and remote channels (online and mobile banking), with customer onboarding subject to standard AML/KYC checks and required identification and tax-residency documentation. Pricing and commissions are governed by a fee schedule registered with Banco de España, and product terms, APRs, and representative examples are disclosed in precontractual information; rates and fees depend on the product and customer profile. Deposits are protected by the Spanish Deposit Guarantee Fund up to €100,000 per depositor and entity, the institution is supervised by Banco de España within the EU prudential framework (CRD/CRR), and its payment services follow PSD2 requirements, including strong customer authentication and SEPA standards using IBAN ES. Governance follows the cooperative model, allowing eligible customers to become member-owners (socios) and participate in the general assembly according to the bylaws, with risk and credit policies set locally and subject to regulatory concentration and capital limits. As a small regional provider, the branch footprint and product range are limited compared with national banks, and some services (such as certain investment or specialized corporate solutions) can be offered through external partners. Customers have access to an internal complaints service and, if not satisfied, to the Banco de España claims channel; data processing adheres to GDPR. Prospective clients should consult the latest official information for eligibility, fees, interest rates, and service availability before contracting.