Caja Rural de Jaén, Barcelona y Madrid, Sociedad Cooperativa de Crédito

Caja Rural de Jaén, Barcelona y Madrid, Sociedad Cooperativa de Crédito is a Spanish credit cooperative supervised by Banco de España and adheres to the national Deposit Guarantee Fund for credit institutions, which covers eligible deposits up to €100,000 per depositor and entity. It operates within Grupo Caja Rural, using the group’s shared platforms (including the Ruralvía online and mobile channels) and service companies for payments, asset management, and insurance, and maintains a branch network focused on the province of Jaén with presence in Madrid and Barcelona. Its activity centers on retail and SME banking, including current and savings accounts, cards and payment services (SEPA transfers and direct debits, and mobile P2P solutions such as Bizum), mortgages, consumer and auto finance, SME and agri financing, guarantees, leasing and factoring, POS and e-commerce acquiring, and access to public financing programs when available. Investment products typically include mutual funds, pension plans, and structured savings distributed through group entities, and a range of insurance policies is offered via the group’s insurers; all non-deposit products carry market and/or credit risk and may involve capital loss. As a cooperative, customers can operate without being members; becoming a member generally requires subscribing cooperative shares subject to issuance, remuneration, and redemption conditions set by the entity, and profits are allocated according to cooperative rules, including reserves and education/promotion funds. Pricing, interest rates, and eligibility criteria depend on product type and customer profile, and the applicable fees are published in the entity’s official tariff. The institution applies PSD2-based access to accounts for authorized third parties, conducts standard KYC/AML checks, and provides customer service and claims channels, with recourse to the Banco de España complaints service under applicable regulations.