CASSA RAIFFEISEN DI VANDOIES SOCIETA' COOPERATIVA (IN LINGUA TEDESCA RAIFFEISENKASSE VINTL GENOSSENSHAFT)

Cassa Raiffeisen di Vandoies Società Cooperativa (in tedesco Raiffeisenkasse Vintl Genossenschaft) is a local cooperative bank based in Vandoies (Vintl), South Tyrol, Italy, operating within the South Tyrolean Raiffeisen network alongside Raiffeisen Landesbank Südtirol AG and Raiffeisenverband Südtirol. As a member-owned cooperative, it serves households, small businesses, and the local economy in Vandoies and surrounding communities, with governance based on the one-member-one-vote principle and membership typically obtained by subscribing cooperative shares; customers can generally use banking services without becoming members, while member status may confer participation rights and specific conditions. The bank provides standard retail and SME services, including current and payment accounts, savings and time deposits, mortgages and consumer credit, SME and agricultural lending, SEPA payments, debit and credit cards, ATM services, and digital channels such as online and mobile banking; investment and insurance products may be distributed as a bank intermediary under Italian rules. It operates under Italian and EU banking regulation, is supervised by the Bank of Italy within the Single Supervisory Mechanism framework, and applies anti-money-laundering and customer due diligence requirements at onboarding (e.g., identification, tax code, source-of-funds checks). Deposits are protected up to EUR 100,000 per depositor per bank in line with the statutory deposit guarantee regime applicable in Italy, and payment services follow PSD2 standards for security and data access. Fees, interest rates, and key terms are disclosed in the mandatory “Foglio Informativo” and pre-contractual documents on the bank’s official channels; loan pricing commonly references market benchmarks, and conditions vary by product and customer profile. Customer service and documentation are typically available in both German and Italian, reflecting the region’s bilingual context.