BCC DI VERONA E VICENZA - CREDITO COOPERATIVO - SOCIETA' COOPERATIVA

BCC di Verona e Vicenza – Credito Cooperativo – Società Cooperativa is a local cooperative bank operating primarily across the provinces of Verona and Vicenza, focused on retail customers, professionals, small and mid-sized enterprises, and the agri-food sector. As a cooperative, governance follows the one-member-one-vote principle and access to certain conditions may be linked to membership and the subscription of cooperative shares; these shares are not covered by deposit guarantee schemes, can be illiquid, and carry capital risk. The bank offers current and savings accounts, time deposits, debit and credit cards, domestic and cross-border payments (including SEPA), mortgages, personal and business loans, and working-capital facilities; it also distributes insurance and investment products through bancassurance and third-party providers, with investment services subject to MiFID II rules. Digital channels include online and mobile banking with PSD2 strong customer authentication and card 3-D Secure for e-commerce; instant SEPA transfers, contactless payments, and API-based account aggregation may be available subject to eligibility and limits. Business services typically include POS and e-commerce acquiring, remote banking for treasury operations, and cash management; specialized financing or factoring is offered directly or via partners. Accounts and lending are priced through published Fogli Informativi, with maintenance fees, payment charges, and interest rates varying by product and profile; mortgage and loan rates are generally fixed or variable with Euribor or ECB-linked benchmarks. Deposits are protected up to EUR 100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo, and the cooperative sector is supported by its institutional protection scheme; investment products and cooperative shares are excluded from deposit protection. The bank operates under Italian and EU regulation, supervised by Banca d’Italia for banking and Consob for investment services. Branch and ATM coverage is local, with service availability, language options, and product access potentially limited to the bank’s catchment area; standard EU KYC/AML requirements apply, and non-resident onboarding may be restricted. Customers should review pre-contractual documents and current pricing before subscribing.