CASSA RAIFFEISEN DI VILLABASSA SOCIETA' COOPERATIVA (IN LINGUA TEDESCA RAIFFEISENKASSE NIEDERDORF GENOSSENSCHAFT)

CASSA RAIFFEISEN DI VILLABASSA SOCIETA' COOPERATIVA (in lingua tedesca Raiffeisenkasse Niederdorf Genossenschaft) is a local cooperative bank based in Villabassa/Niederdorf, South Tyrol, operating within the South Tyrolean Raiffeisen network and subject to Italian and EU banking regulation. It provides standard retail and small-business services including current accounts, SEPA payments (transfers, direct debits, standing orders), debit and credit cards, cash and ATM access, savings and time deposits, mortgages and consumer credit, and lending to enterprises; investment and insurance products are typically distributed under applicable MiFID II and insurance mediation rules via affiliated providers. Digital channels include online and mobile banking with two-factor authentication, e-statements, and bill payment features; service is generally available in German and Italian. Governance follows the cooperative model, with local member ownership and voting rights exercised in the assembly and oversight by an elected board. The business focus is regional, with activities concentrated on households and SMEs in the surrounding area, including sectors common to the local economy; this localized scope shapes both customer reach and risk exposure. Pricing, rates, and account packages are defined at the institution level and vary by product and usage; published fee schedules and contractual terms apply. Cross-border transfers are handled via standard international payment rails, and card acceptance depends on the relevant schemes; ATM withdrawals are available through the bank’s machines and national networks. Deposits are protected in accordance with Italian and EU law, generally up to €100,000 per depositor, subject to the conditions of the applicable guarantee scheme. This institution is primarily suited to customers within its catchment area seeking proximity banking and bilingual service; prospective clients should verify current terms, eligibility requirements, and interest rates through the bank’s official channels before opening accounts or applying for credit.