CASSA RAIFFEISEN VAL BADIA SOCIETA' COOPERATIVA - GENOSSENSCHAFT

CASSA RAIFFEISEN VAL BADIA SOCIETA' COOPERATIVA - GENOSSENSCHAFT is a local cooperative bank serving the Val Badia/Gadertal area in the Province of Bolzano/Bozen, operating under Italian cooperative credit regulations. Owned by member-clients on a one-member-one-vote basis, it focuses on retail and small business banking with lending concentrated in its home territory. The bank offers current and savings accounts, payment services compliant with SEPA and PSD2, debit and credit cards on international circuits, ATM access through the national Bancomat network, online and mobile banking, mortgages, consumer loans, and financing for SMEs, agriculture, and tourism-related businesses. Investment and insurance products are distributed through established partner arrangements typical of Italy’s cooperative banking sector. Governance is exercised by a member-elected board, and disclosures follow Italian banking transparency rules, with product terms, fees, and interest conditions detailed in mandatory information sheets. It is part of the South Tyrolean Raiffeisen system and is supervised within Italy’s banking framework by the Bank of Italy, with prudential oversight coordinated under the European banking supervision architecture. Deposits are protected by the Italian deposit guarantee scheme applicable to cooperative credit banks, currently covering up to EUR 100,000 per depositor per bank as provided by law. Service is typically available in Italian, German, and Ladin, reflecting the local linguistic context. As a territorial cooperative, product range and pricing are defined locally and may differ from national banks; prospective customers should review the latest tariffs, eligibility requirements, and documentation standards before opening accounts or applying for credit.