CASSA RAIFFEISEN VAL SARENTINO SOCIETA' COOPERATIVA (IN LINGUA TEDESCA RAIFFEISENKASSE SARNTAL GENOSSENSCHAFT)

Cassa Raiffeisen Val Sarentino Società Cooperativa (in tedesco Raiffeisenkasse Sarntal Genossenschaft) is a local cooperative bank based in Sarentino (province of Bolzano/Bozen) operating within the South Tyrol Raiffeisen network. It serves households, professionals, small businesses, agriculture, and local organizations with standard retail banking services including current and savings accounts, domestic and SEPA payments, debit and credit cards, consumer and mortgage lending, and financing for SMEs and farms; it also distributes insurance and investment products where permitted by law. The cooperative model entails member ownership via share subscription and governance on a one-member-one-vote basis, while banking products and credit terms are available to both members and non-members subject to eligibility and underwriting. Account opening typically requires valid identification and an Italian tax code, with documents and communications available in German and Italian. The bank offers branch-based services in the Sarentino area supported by online and mobile banking and access to ATMs; cash services and cashier operations follow standard Italian banking practices. Pricing, interest rates, and key information documents are published in accordance with Italian transparency rules and vary by product; loan pricing reflects risk assessment, collateral, and market benchmarks. As an Italian authorized credit institution, it is subject to prudential and conduct supervision by the Bank of Italy; eligible deposits are protected up to 100,000 euro per depositor as provided by the applicable Italian deposit guarantee framework implementing EU rules. Payment services use Italian IBANs and support SEPA transfers and direct debits; international transfers are available subject to fees and cut-off times. The bank collaborates with other entities in the Raiffeisen network in South Tyrol for centralized services and product distribution where required by regulation.