BANCA DI CREDITO COOPERATIVO DI ROMA SOCIETA' COOPERATIVA

BANCA DI CREDITO COOPERATIVO DI ROMA SOCIETA’ COOPERATIVA (BCC Roma) is an Italian cooperative credit institution focused on retail customers, small and medium-sized enterprises, and local organizations, operating primarily through a branch network concentrated in Rome and across Lazio, with digital channels for remote banking. It is part of the Gruppo Bancario Cooperativo Iccrea, which means group-level prudential oversight and shared platforms for payments, investments, and insurance distribution; supervision is carried out under the Italian and EU regulatory framework by Banca d’Italia, CONSOB for investment services, and the ECB at consolidated level. The product range typically includes current and savings accounts, debit and credit cards, payment services (SEPA transfers, direct debits, standing orders, bill and tax payments), term deposits, consumer credit, mortgages, SME lending, POS and e-commerce acquiring, and placement of mutual funds, life insurance, and pension products from group or partner providers; investment products are not deposits and can involve capital risk. Internet and mobile banking cover standard functions such as account monitoring, domestic and cross-border euro transfers, bill/tax payments, and security features aligned with PSD2 strong customer authentication; card-not-present purchases generally use 3D Secure; compatibility with third-party digital wallets and mobile payments depends on card type and issuer enablement. Fees are set by account package and usage (monthly maintenance, domestic and foreign transfer charges, ATM withdrawals, card fees, and foreign exchange markups); the bank provides pre-contractual information sheets and a schedule of fees as required by Italian transparency rules, and pricing can vary by customer profile and channel. As a cooperative, BCC Roma allows customers to apply for membership by subscribing shares; cooperative shares are not listed, can be illiquid, dividends are not guaranteed, and redemption is subject to bylaws and approvals, so capital is at risk. Euro-denominated deposits are protected by the Italian deposit guarantee scheme up to 100,000 euro per depositor per bank, whereas securities and funds held in custody are excluded from deposit protection and are subject to market risk and issuer risk; lending is subject to credit assessment, collateral, and underwriting criteria. Account opening typically requires valid identification, Italian tax code, and anti–money laundering checks; availability for non-residents and remote onboarding may be limited and can depend on branch policies. Customer assistance is provided via branches, call centers, and online channels; complaints must be handled through the bank’s internal process with the option to escalate to the Arbitro Bancario Finanziario if disputes are not resolved. The bank’s cooperative model emphasizes local operations and credit to the regional economy, which can concentrate exposure geographically; interest rate changes and regulatory developments can affect pricing and product features over time, and some services or conditions may differ by branch or territory. Potential clients should review the latest contractual documents, cost disclosures, and key information documents before subscribing to accounts, loans, or investment and insurance products.