ChiantiBanca

What ChiantiBanca does

ChiantiBanca is an Italian cooperative bank (Banca di Credito Cooperativo) operating under the legal name Chiantibanca Credito Cooperativo S.C., headquartered in Monteriggioni (Siena) with general management in San Casciano in Val di Pesa (Florence). It serves retail individuals, families, young people, businesses, and self-employed professionals across the Chianti, Florence, and Siena provinces through a branch-led relationship banking model supplemented by the RelaxBanking digital platform. As of April 2026, the bank has over 34,000 cooperative members (soci), of which 3,432 are under 35, making it the fifth-largest BCC in Italy by member count.

The product portfolio spans current accounts (including the zero-fee ChiantiConto Under26), debit and credit cards, mortgages (Mutuo Casa up to 30-year term and 80–100% LTV), personal and salary-backed loans distributed under the Crediper brand (Prestiti Personali, Cessione del Quinto, Anticipo TFS), insurance products from BCC Vita, and investment/wealth management products distributed under the Investiper brand and managed by BCC Risparmio&Previdenza S.G.R. The RelaxBanking digital channel and CBI Globe PSD2-compliant interface are provided by the parent group's central institution, Iccrea Banca S.p.A., and the bank offers payment solutions including Satispay, Satispay Business, and POS Mini. An affiliated mutual health fund, ChiantiMutua ETS, extends the ecosystem to 20,700+ members.

The business model combines traditional net interest margin on lending with fee and commission income from account maintenance, payment cards, insurance distribution, and investment product placement. Members benefit from preferential pricing and participate in governance through the annual Assembly of Members, which approved FY2025 net profit of nearly €30M (cumulative €140M+ over four years) with 2,728 favorable votes. Marketing and distribution rely on the branch network, digital channels, and community events (Assemblea dei Soci, Festa dei Soci, ChiantiNext), with technology infrastructure shared across the Gruppo Bancario Cooperativo Iccrea, Italy's largest cooperative banking group.

Name

ChiantiBanca

Legal name

Chiantibanca Credito Cooperativo S.C.

Website

https://chiantibanca.it

Company type

Private

Founded year

1900

Operating status

Operating

Headcount range

251–500 employees

Short description

ChiantiBanca is an Italian cooperative bank (Banca di Credito Cooperativo) serving retail, youth, and SME customers across the Chianti, Florence, and Siena provinces with accounts, mortgages, loans, insurance, investments, and payment services through a branch network and the RelaxBanking digital platform, operating within Gruppo BCC Iccrea.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Depository Credit Intermediation (5221), Consumer Lending (522291)

SIC

National Commercial Banks (6021), Personal Credit Institutions (6141)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industries

Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL), Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Cooperative banking
• Retail banking
• Mortgage lending
• Personal loans
• Investment products

Headquarters

HQ city

San Casciano Val Di Pesa

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking interest margin from lending (mutui, prestiti personali, cessione del quinto) and deposit-taking. Core revenue driver for cooperative banks.
2. Fee and Commission Income: Account maintenance fees, payment card fees, insurance distribution commissions, investment product distribution (fondi comuni, polizze vita), trading commissions, and service fees.
3. Insurance Distribution: Distribution of insurance products (CartaBCC, Infortuni Protetti, Casa Protetta, mutui assicurazioni) through the branch network, earning commission income.
4. Investment and Wealth Management Products: Distribution of mutual funds (Fondi Comuni, Investiper), wealth management (Gestioni Patrimoniali), PIR II bonds, and life insurance (BCC Vita) products, generating distribution fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

ChiantiBanca is an Italian cooperative bank (Banca di Credito Cooperativo) providing retail and small business banking services through a network of physical branches and the RelaxBanking digital platform. Core offerings include current accounts, payment cards, mortgages, personal loans, salary-backed loans, TFS advances, insurance, mutual funds, wealth management, trading, and POS/payment services. The bank also operates ChiantiMutua, Italy's first mutual health fund among cooperative banks, and serves as part of the Gruppo BCC Iccrea network.

Product overview

ChiantiBanca is a cooperative credit bank (Banca di Credito Cooperativo) belonging to Gruppo Bancario Cooperativo Iccrea, offering a comprehensive suite of banking and financial services. The product portfolio centers on RelaxBanking as the digital banking platform providing unified access to accounts, payments, and services. Retail banking encompasses ChiantiConto current accounts, CartaBCC payment cards, and various deposit products. Lending includes Crediper personal loans (Prestiti personali, Cessione del Quinto, Anticipo TFS), Mutuo Casa mortgages, and mortgage advisory services. Savings and investment products are distributed through the Investiper platform (by BCC Risparmio&Previdenza), offering Fondi Comuni di Investimento, Fondi PIR, Gestioni Patrimoniali, PAC, and Trading Online. Insurance solutions include BCC Vita products (Autore Sinergia 3.0, Level Plus, Unica Evolution). Payment services feature Satispay, Satispay Business, Instant Payment, and POS Mini terminals. The ecosystem also includes ChiantiMutua health mutual fund and the ChiantiNext youth engagement program.

Differentiator

Problem solved

Functional benefit

Brands

• RelaxBanking: Digital banking platform and home banking service
• Crediper
• ChiantiMutua ETS

Products and services

• RelaxBanking Digital home banking platform (web and mobile app) enabling account management, payments, instant transfers, scheduling of branch appointments, and access to financial products. Developed and maintained by Iccrea Banca S.p.A. for the Gruppo BCC Iccrea network.
• Instant Payment Real-time payment service enabling instant money transfers in seconds with secure circuit and immediate transaction confirmation. Available to account holders via RelaxBanking.
• ChiantiConto Under26 Zero-fee current account dedicated to young people between 18 and 26 years of age. Managed entirely via the ChiantiBanca mobile app, with no monthly account fees.
• Satispay Mobile payment application for in-store purchases, money transfers to friends, service purchases, and savings. Free registration via RelaxBanking with a €5 welcome bonus and 24-48h activation. No transaction or reload fees.
• Satispay Business Business payment acceptance service allowing merchants to receive payments from Satispay users via smartphone, tablet, computer, or POS terminals. Free registration, no monthly fees, and reduced transaction commissions for point-of-sale and mobile activities.
• Prestiti Personali Crediper Personal loan products in three tiers: Prestito Small (€1,500-€3,000, up to 36 months), Prestito Standard (€3,000-€30,000, up to 100 months), Prestito Gold (€30,000-€50,000, up to 120 months). Fixed TAN with constant monthly installments, flexibility options and optional CPI insurance. Distributed under the Crediper brand.
• Cessione del Quinto Crediper Salary-backed loan with monthly payment capped at one-fifth of salary or pension. Up to €75,000, repayable in up to 120 monthly installments. Available to permanent employees and pensioners.
• Anticipo TFS Crediper Financing for retired public and state employees allowing up to 100% of accrued TFS (Trattamento di Fine Servizio) paid in a single lump sum, with repayment made directly by the Pension Entity.
• Mutuo Casa Home purchase and renovation mortgage with coverage up to 80% of property value (up to 100% under promotion), and up to 30-year duration. Options include fixed rate, variable rate, and mixed rate mortgages, with preferential rates for cooperative members and under-35 customers.
• Consulenza Mutuo Free mortgage consultation service that examines a customer's existing mortgage conditions, verifies whether they are paying the optimal rate, and offers porting options without additional fees.
• BCC Vita Autore Sinergia 3.0 Unit-linked insurance product offering freedom to construct investments based on 4 profiles, selecting from various funds constantly monitored and selected by managers. Distributed by BCC Vita S.p.A.
• BCC Vita Level Plus e BCC Vita Level Plus Top Insurance investment solutions offering stable and secure returns through dual separate management portfolios, with capital guarantee at maturity and annual yield revaluation. Distributed by BCC Vita S.p.A.
• BCC Vita Unica Evolution No Load Life insurance investment combining separate management for capital protection with external fund investment options. No entry fees, with Life-Cycle and Take Profit options. Minimum initial premium €10,000. Distributed by BCC Vita S.p.A.
• Fondi Comuni di Investimento Collective investment instruments allowing investment in financial markets with small sums through risk fractionation. Available via PIC (lump sum) or PAC (periodic investments). Managed by BCC Risparmio&Previdenza S.G.R.p.A.
• Fondo Investiper Obbligazionario PIR II Bond fund supporting Italian enterprises with PIR tax advantages for Italian tax-resident individuals. Invests in monetary and bond instruments issued by Italian or EU companies with Italian operations. Minimum investment €500.
• Investiper Gestioni Patrimoniali Professional portfolio management service that delegates investment decisions to sector professionals, constructed on client objectives. Includes ETICHE (ESG) lines for sustainable investments. Managed by BCC Risparmio&Previdenza.
• Investiper Valore Obbligazionario Italia 2028 Bond fund with investments in Italian Government bonds and corporate bonds with approximately 5-year time horizon. Minimum investment €500 with no redemption fees.
• Piano di Accumulo Capitale (PAC) Capital accumulation plan for building savings through periodic payments toward financial goals. Minimum €50 per payment, with flexible frequency (monthly, quarterly, semi-annual), and the ability to increase, decrease, or suspend payments. Invests in mutual funds via PIC or PAC.
• Trading Online Self-directed trading service for financial markets operations via PC, tablet, or smartphone. Available as Trading Online RelaxBanking (accessory to home banking) and through the Directa SIM trading platform, a pioneer of online trading in Italy with over 60,000 accounts.
• POS Mini Versatile, compact POS terminal with integrated connectivity (data SIM or Wi-Fi). Designed for fair operators, taxi drivers, mobile technicians, consultants, and small business owners needing portable payment acceptance.
• ChiantiMutua First Italian mutual health fund among cooperative credit banks, with over 20,500 members and 24,000 assisted persons. Provides health reimbursements, subsidies, and over €2.7M paid to members over the last three years. Operates as an affiliated ETS (Ente del Terzo Settore) entity of ChiantiBanca.
• Prestito #Summer Crediper Seasonal promotional personal loan campaign under the Crediper brand offering special terms during the summer period.

Quantifiable outcome

• 34,000+ cooperative members, 5th largest Bcc in Italy by member count
• +4 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Gruppo Bancario Cooperativo IccreacoreStrategic or Co-development PartnerChiantiBanca is a member bank of the Gruppo Bancario Cooperativo Iccrea, Italy's largest cooperative banking group. Gruppo BCC Iccrea provides the shared technology platform (RelaxBanking, CBI Globe), product frameworks (Crediper financing, Investiper funds), insurance products, and institutional governance support. All BCC banks in the group received exemption from the PSD2 fallback solution from Banca d'Italia.
• ChiantiMutua ETScoreStrategic or Co-development PartnerChiantiMutua ETS is the first Italian health mutual fund among cooperative banks, with over 20,500 members and 24,000 insured persons. It shares leadership with ChiantiBanca (same executives serve on both boards) and co-promotes youth initiatives like ChiantiNext. It is a distinct ETS (Ente del Terzo Settore) entity affiliated with the bank.
• Fondazione ChiantiBancaminorStrategic or Co-development PartnerThe ChiantiBanca Foundation carries out cultural, social, and charitable activities in the territory. Together with ChiantiMutua, it distributed over €1.5 million in charity and liberal contributions over three years. Several former ChiantiBanca board members serve on the Foundation's board.
• Crediper (BCC CreditoConsumo S.p.A.)coreTechnology or IntegrationCrediper is the financing brand of the BCCs that adhere to Gruppo BCC Iccrea, distributed through ChiantiBanca branches. Products include personal loans (Prestiti Personali), Cessione del Quinto salary-backed loans, and Anticipo TFS advances. Crediper is managed by BCC CreditoConsumo S.p.A. and Pitagora S.p.A.
• CBI Globe (Global Open Banking Ecosystem)coreTechnology or IntegrationCBI Globe is the dedicated interface for Third Party Providers (TPPs) enabling PSD2-compliant account information and payment initiation services. Available in production since 1 June 2019. All Gruppo BCC Iccrea banks use this platform for open banking integration.
• BCC Risparmio&Previdenza S.G.R.p.A.coreTechnology or IntegrationThe SGR of Gruppo BCC Iccrea manages all investment products distributed by ChiantiBanca, including Investiper mutual funds, Investiper Gestioni Patrimoniali (wealth management), PAC (capital accumulation plans), and PIR II bond funds. Provides the investment management infrastructure.
• BCC Vita S.p.A.coreTechnology or IntegrationLife insurance company of Gruppo BCC Iccrea, providing investment and protection insurance products distributed by ChiantiBanca, including BCC Vita Unica Evolution, BCC Vita Autore Sinergia 3.0, and BCC Vita Level Plus. Regulated by IVASS, underwritten by BNP Paribas Cardif.
• Iccrea Banca S.p.A.coreTechnology or IntegrationThe central institution of Credito Cooperativo (Istituto Centrale del Credito Cooperativo) and parent company of Gruppo Bancario Cooperativo Iccrea. Provides shared technology infrastructure including the BCC Publisher CMS, RelaxBanking digital banking platform, and co-develops group-wide products and services.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Banca Sella: Italian private/regional bank with strong SMB and retail presence, offering current accounts, lending, payments (Satispay-style), and investment distribution. Comparable product mix and GTM combining branch advisory with digital self-service.
• Banca Popolare di Puglia e Basilicata: Italian cooperative-style regional bank serving retail and SME customers. Comparable in territorial focus, member/shareholder governance, and traditional banking product set, though based in southern Italy rather than Tuscany.
• BCC Credito Cooperativo (other BCC banks in Gruppo Iccrea): Sister cooperative banks within Gruppo BCC Iccrea. Operate with the same RelaxBanking platform, Crediper financing products, and Investiper investment lineup; compete for territory, members, and soci in adjacent Tuscan and national catchments.
• Credito Emiliano (Credem): Mid-sized Italian retail and private bank with strong regional roots, advisory-led distribution, and family/SME focus. Comparable in relationship-banking model and product breadth including insurance and wealth management.
• Banca Mediolanum: Italian retail-focused bank distributing banking, investment, and insurance products through a distributed advisor network. Comparable in combining physical advisory with digital channels and in serving household savings and investment needs, though at national scale.

Broad incumbents

• FinecoBank: Italian digital-first universal bank with strong investment and brokerage offering. Comparable overlap in trading, mutual fund distribution, and self-directed wealth management products, though at national scale and without local-branch relationship banking.
• Banca Monte dei Paschi di Siena: Large Tuscan-headquartered retail and commercial bank. Directly comparable geographic overlap with ChiantiBanca's Siena/Florence territory and overlapping retail/SME banking products, but vastly larger scale and publicly listed.

Emerging players

• Illimity Bank: Italy's leading challenger bank with digital-only onboarding and SME/corporate focus. Comparable in targeting digital-savvy Italian SMBs and professionals, but competes via pure-digital model rather than cooperative branches.

Others

• Satispay: Italian mobile payment platform already integrated with ChiantiBanca via RelaxBanking. Comparable as a payments partner/ecosystem participant and adjacent competitive threat for payment-linked consumer relationships.
• Directa SIM: Italian online trading platform partner for ChiantiBanca's Trading Online offering. Comparable as the trading-product infrastructure layer serving similar self-directed retail investor customers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/channel/UCpgYWF9V-mHkHb0NDYoVtPQ
• Facebookfacebook.com/chiantibanca
• Instagraminstagram.com/chiantibanca
• Xx.com/ChiantiBanca
• LinkedInlinkedin.com/company/chiantibanca

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ChiantiBanca