BANCA VERSILIA LUNIGIANA E GARFAGNANA - CREDITO COOPERATIVO - SOCIETA' COOPERATIVA

Banca Versilia Lunigiana e Garfagnana – Credito Cooperativo – Società Cooperativa is an Italian cooperative bank focused on retail and SME banking in the Versilia, Lunigiana and Garfagnana areas, primarily within the provinces of Lucca and Massa-Carrara. As a credito cooperativo, it operates on a mutual model with members (soci) who hold shares and vote under the one-member-one-vote principle, and it belongs to the Gruppo Bancario Cooperativo Iccrea, which provides centralized risk management, technology platforms and group-wide controls under ECB and Banca d’Italia supervision. The bank offers standard current and savings accounts, payment services, domestic and SEPA transfers (instant options where available), debit cards on the PagoBANCOMAT circuit, and credit cards issued through the group’s CartaBCC network (Visa/Mastercard brands). Lending covers mortgages, personal loans and financing for micro and small enterprises, agriculture and local businesses, with pricing and eligibility determined case by case. Digital channels include online and mobile banking with strong customer authentication, enabling balance inquiries, payments, card controls and basic remote servicing; more complex services typically route through branch advisors. Fees, interest rates and conditions are published in the Fogli Informativi and vary by product, usage and customer profile; account packages, transfer commissions, card fees and early repayment terms should be reviewed before signing. Deposits are protected up to 100,000 euro per depositor under the Italian deposit guarantee scheme for cooperative credit banks (Fondo di Garanzia dei Depositanti del Credito Cooperativo), and the Iccrea group’s institutional protection scheme provides additional support measures. Account opening requires standard KYC (valid ID, codice fiscale, source-of-funds checks), and availability for non-residents can be restricted. The proposition suits customers prioritizing local branch access and relationship banking within the bank’s catchment area over a purely digital, nationwide offering.