CASSA RURALE DI LEDRO - BANCA DI CREDITO COOPERATIVO - SOCIETA' COOPERATIVA

Cassa Rurale di Ledro – Banca di Credito Cooperativo – Società Cooperativa is an Italian cooperative credit bank based in Ledro (Province of Trento) that operates primarily in its local catchment area. It follows the cooperative model (members as owners with one vote each) and, under Italian law on cooperative banking groups, operates within a broader system of coordination and protection; prudential supervision is exercised by the Bank of Italy, with group-level oversight in the European Single Supervisory Mechanism. The bank’s offering typically includes current and savings accounts, payment services (IBAN-based SEPA transfers, direct debits, and debit/credit cards on Bancomat/PagoBANCOMAT and international circuits), cash services, personal and mortgage lending, and financing to micro and small enterprises, with investment and insurance products distributed through group or partner entities under MiFID II and insurance distribution rules. Delivery is branch-centric and supported by online banking and a mobile app for routine transactions; account opening generally requires face-to-face identification, an Italian tax code, and valid ID, and access for non-residents may be subject to internal policies. Pricing is set per product and published in the mandatory “fogli informativi,” covering items such as account maintenance, card issuance and usage, transfers, and lending terms, alongside standard transparency and complaint procedures. Deposits are protected up to €100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo, consistent with EU rules, and an institutional protection scheme within the cooperative network provides support mechanisms distinct from deposit insurance.