BANCA DI CREDITO COOPERATIVO DI SPELLO E DEL VELINO - SOCIETA' COOPERATIVA

BANCA DI CREDITO COOPERATIVO DI SPELLO E DEL VELINO - SOCIETA’ COOPERATIVA is an Italian mutual bank operating within the national cooperative credit network, with a local footprint in central Italy and a branch model focused on retail customers, small businesses, professionals, agribusiness, and the third sector. It offers standard banking products including current accounts, savings and term deposits, debit and credit cards, domestic and cross-border SEPA transfers, direct debits, and cash management, along with lending such as personal loans, mortgages, and financing for SMEs and farms; leasing, factoring, and merchant acquiring are typically available through group affiliates. Digital channels include online and mobile banking with strong customer authentication, SEPA transfers (including instant payments where enabled), bill and tax payments (e.g., PagoPA, CBILL, MAV/RAV, F24), and card features such as contactless and 3‑D Secure; support for major mobile wallets depends on the card and issuer arrangements. Governance follows cooperative principles (one member, one vote); becoming a member usually requires subscribing cooperative shares and confers participation rights as defined by the bylaws, while standard customers can use services without membership. Fees and rates are set out in the Foglio Informativo and vary by account package and service; typical items include account maintenance, domestic and cross-border transfer charges, card issuance/renewal, ATM withdrawals outside the BANCOMAT network, and mortgage appraisal and early repayment conditions. Credit is granted subject to affordability, documentation, and collateral assessments in line with Italian regulation. Deposits are protected up to €100,000 per depositor under the cooperative credit sector’s deposit guarantee scheme, consistent with EU rules, and the bank operates under the oversight applicable to cooperative banking groups in Italy. Account opening requires standard KYC (valid ID, Italian tax code, proof of residence/income), generally in-branch, with digital onboarding available where offered. Customer service is provided via branches, phone, and online channels; complaints follow Italian ADR procedures (Arbitro Bancario Finanziario). Product availability, pricing, and eligibility can differ by branch and customer profile.