Caixa Rural de Callosa d'en Sarrià, Cooperativa de Crédito Valenciana

Caixa Rural de Callosa d’en Sarrià, Cooperativa de Crédito Valenciana, is a Spanish credit cooperative headquartered in Callosa d’en Sarrià (Alicante) that conducts retail and SME banking under the cooperative model established by Valencian and national legislation. It operates within the framework of Banco de España supervision and European banking rules (including PSD2), and its euro deposits are protected by Spain’s Deposit Guarantee Fund up to €100,000 per depositor and entity. The institution provides payment accounts, savings and term deposits, debit and credit cards, domestic and SEPA transfers, Bizum instant payments, point-of-sale acquiring, mortgages, consumer lending, and finance for self-employed, small businesses, and agricultural activity; it also distributes insurance and investment products from group providers. It is integrated in the Grupo Caja Rural network, using the Ruralvía online and mobile banking platform and shared group infrastructure; access to cash is available at its own ATMs and through the group’s network, while third‑party withdrawals may incur fees. As a cooperative, customers can become member‑owners by subscribing cooperative capital and may participate in governance via the general assembly; results are allocated to reserves and legally mandated social funds. Pricing on lending is typically indexed to benchmark rates such as Euribor, and pre‑contractual information, fee schedules, and standardized information sheets are provided as required by regulation; strong customer authentication applies to digital channels. Complaints are handled through the entity’s customer service and, if needed, the Banco de España claims service. Geographic focus is local, some products or onboarding options may be limited to residents or existing clients, digital functionality depends on the group platform, and cooperative membership shares are not deposits and may be illiquid or subject to loss.