What Caixa Popular does

Caixa Popular - Caixa Rural Coop de Crèdito V is a Spanish credit cooperative bank headquartered in Paterna, Valencia (Technology Park), operating under Banco de España registration NRBE 3159 and CIF F46090650. Founded in 1978 as part of the rural cooperative banking tradition of Grupo Caja Rural, the institution serves retail individuals, autónomos, SMEs, cooperatives, and a private banking segment across the Valencian Community through a network of 77+ branches. The entity is member-owned (depositors are members with voting rights) and adheres to the Spanish Deposit Guarantee Fund up to €100,000 per depositor. Its distribution is hybrid: a strong physical branch presence complemented by the Ruralvía digital banking platform (web and mobile app, multi-language: Spanish, Valencian, English) and WhatsApp-based customer support.

The core product portfolio spans current/savings accounts, debit/credit cards (including TCL private-label card for 5,000+ local merchants and Tarjeta Dona gender equality card with 27,500+ cards), mortgages, personal and business loans, insurance distribution via RGA Mediación, investment funds and pension plans via Gescooperativo, TPV/merchant acquiring, international trade services (Comex platform, confirming, cash pooling), and European Next Generation EU / PERTE advisory in partnership with Fandit Power. Pricing is subscription- and fee-based, with fee exemptions tied to multi-product holdings (Cliente Premium, Cliente Pensionista Premium) and free access for vulnerable customers.

Revenue is generated through traditional banking interest spreads on lending products, account maintenance and transfer commissions, insurance distribution commissions, investment fund distribution fees, and corporate banking services. The GTM is sales-led through the physical branch network combined with community-led engagement around cooperative values, social responsibility programs (gender equality grants, Un dia de Salari, Tarjeta Dona), cultural sponsorships, and deep integration with Valencian cooperatives via the CONCOVAL alliance (since 2016). Technology infrastructure is largely shared through the Grupo Caja Rural ecosystem: Rural Servicios Informáticos provides the digital banking platform, Banco Cooperativo Español acts as depositary bank, and Google Analytics supports web analytics. No AI/ML capabilities, public APIs, or developer SDKs are documented.

Name

Caixa Popular

Legal name

Caixa Popular - Caixa Rural Coop de Crédito V

Website

https://caixapopular.es

Company type

Private

Founded year

1978

Operating status

Operating

Headcount range

251–500 employees

Short description

Caixa Popular is a member-owned Spanish credit cooperative bank headquartered in Paterna, Valencia, serving retail, SME, cooperative, and private banking customers across the Valencian Community through 77+ branches and the Ruralvía digital platform.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

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

SIC

Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro primary industry

Public Sector & Municipal Credit Unions (FSABAEAK)

akta.pro secondary industries

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG), Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG)

Keywords

• Cooperative retail banking
• Mortgage lending services
• Business banking solutions
• Digital banking platform
• Insurance distribution

Headquarters

HQ city

Paterna

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest income from lending products including mortgages, personal loans, business financing, and credit facilities. Interest spreads between deposit rates and lending rates constitute core revenue.
2. Commission and Fee Income: Account maintenance fees, transfer commissions, card fees, and service charges. Basic Payment Account charges up to €3/month. Premium accounts offer commission-free services contingent on product holdings.
3. Insurance Products Distribution: Distribution of insurance products through RGA Mediación partnership covering home, auto, life, health, accidents, and death insurance. Commissions earned on insurance sales.
4. Investment and Savings Products: Distribution of investment funds, pension plans, and savings insurance products through Gescooperativo. Management fees and distribution commissions from third-party fund providers.
5. Corporate Banking Services: TPV (point of sale) services, international trade financing, cash management, confirming, and cash pooling services for business and cooperative customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Caixa Popular is a credit cooperative bank providing retail, private, business, and corporate banking services to individuals, self-employed professionals, SMEs, and cooperatives in the Valencian Community. Its offering spans current and savings accounts, debit/credit cards, mortgages, personal and business loans, TPV/POS acquiring, insurance distribution, investment funds, pension plans, and European funds advisory, delivered through a 77+ branch network and the Ruralvía digital banking platform.

Product overview

Caixa Popular is a cooperative banking institution offering a comprehensive portfolio of banking and financial products across retail, private, business, and corporate segments. The core banking platform is Ruralvía (web and mobile app) supplemented by specialized programs including the Club Populines loyalty initiative, VIP District youth discounts, and the Tarjeta Dona gender equality card. The product portfolio spans current and savings accounts, mortgages, personal loans, credit cards (including virtual cards), insurance products (home, auto, life, health via RGA), investment funds and pensions, business financing and TPV terminals, international trade services including confirming, and digital banking tools such as simulators, SMS alerts, and mobile payments. The institution also provides advisory services for European Next Generation EU funding and PERTE strategic projects, positioning itself as a community-focused bank supporting Valencian cooperatives and local commerce through products like the Tarjeta Compra Local.

Differentiator

Problem solved

Functional benefit

Brands

• Ruralvía: Digital banking platform and mobile application for online banking services including transfers, account management, and mobile payments.

Products and services

• Ruralvía Digital Banking Platform Comprehensive web and mobile digital banking platform providing self-service account management, transfers, payments, card operations, product applications, and service alerts for Caixa Popular customers.
• Current and Savings Accounts Personal banking products including current accounts, savings accounts, premium accounts with fee waivers, and basic payment accounts for individuals and families.
• Debit and Credit Cards Debit and credit card products for retail and business customers, including mobile contactless payment capability and 3D Secure authentication (Verified by Visa, MasterCard Secure Code).
• Virtual Card Internet-only rechargeable card with maximum €3,000 balance, disconnected from the main account, designed for secure online purchases.
• Tarjeta Compra Local (TCL) Private credit card for use at affiliated local merchants across 250+ Valencian localities, allowing purchases to be paid in up to 6 months interest-free while supporting neighborhood commerce; risk assumed by Caixa Popular.
• Tarjeta Dona Credit card product where Caixa Popular allocates a percentage of spend to gender equality funds supporting associations working to close the gender gap in the Valencian Community.
• Mortgages and Personal Loans Home mortgage products, personal loans, and vehicle financing with variable interest rates and online payment simulators for individual customers.
• Renting and Vehicle Leasing Vehicle leasing and renting solutions offered with promotional terms through partner networks for individual and business customers.
• Deposits and Investment Funds Term deposit accounts, investment funds, and savings insurance distributed through Gescooperativo for individual and corporate wealth accumulation.
• Pension Plans Pension plan products distributed to retail and corporate customers for retirement planning, with Banco Cooperativo Español S.A. acting as depositary bank.
• Insurance Distribution (RGA Mediación) Distribution of home, automobile, life, health, accident, death, multi-risk commercial, civil liability, and cybersecurity insurance products through RGA Mediación and SegurosRGA partnerships.
• Personal Banking (Banca Personal) Premium banking services with dedicated relationship management and added-value offerings for higher-value retail customers.
• Private Banking (Banca Privada) Exclusive private banking offering dedicated private banker relationships, specialized investment services, and value-added solutions for high-net-worth individuals and families.
• Business Banking for Self-Employed (Negocis) Banking services for self-employed professionals and freelancers including business accounts, TPV terminals, short/long-term financing, and merchant services.
• Corporate Banking (Empreses i Cooperatives) Comprehensive corporate banking solutions for SMEs and cooperatives including corporate financing, treasury management, international trade services, corporate accounts, and guarantees.
• TPV / POS Terminal Services Point-of-sale terminal acquiring services for businesses to accept card payments, with a recommendation service to match business needs with appropriate TPV solutions.
• Cash Pooling (Treasury Management) Treasury management service consolidating cash positions across multiple corporate accounts to optimize liquidity for business and cooperative clients.
• Confirming (Supplier Payment Management) Confirming service for supplier payment management linked to the Comex external platform for international trade and corporate payment operations.
• European Funds Advisory (Next Generation EU) Advisory and platform services, in partnership with Fandit Power S.L., helping businesses identify and apply for European Next Generation EU funding opportunities.
• PERTE Advisory Services Strategic advisory for businesses on Spanish PERTE (Strategic Projects for Economic Recovery and Transformation) initiatives covering agricultural, electric vehicle, renewable energy, and digitalization projects.
• Currency Exchange Services Foreign exchange services including currency rate information, banknote exchange, and international payment commissions for retail and business customers.
• Green Product Lines Sustainable banking products aligned with environmental projects and green financing initiatives for individuals and businesses.
• Custom Purchase Service (Compra Personalizada) Flexible credit card payment service allowing customers to defer purchases of €90 or more over customizable monthly installments with applicable interest.
• Mobile Payment Service Mobile contactless payment service allowing customers to make purchases using their smartphone without cards or cash via Ruralvía.
• Cybersecurity Insurance Cyber risk insurance product protecting businesses against digital threats, data breaches, and associated liabilities.
• Infomail Electronic Correspondence Electronic banking correspondence service delivering statements, product updates, and documents via email with virtual mailbox option instead of paper mail.

Quantifiable outcome

• Over 5,000 affiliated merchants across 250+ localities using Tarjeta Commerce Local
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature7 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• CONCOVAL (Confederació de Cooperatives Valencianes)coreStrategic or Co-development Partner · 1 January 2016Strategic alliance to promote and give visibility to Valencian cooperativism. Collaboration includes support for reference initiatives such as Pepe Miquel Awards for Valencian Cooperativism and World Cooperativism Day. Partnership based on defense of cooperative values, territorial roots, and commitment to Valencian society. Relationship consolidated since 2016.
• RGA Mediación (Operador de Banca-Seguros Vinculado)coreChannel Partner/ Reseller/ DistributorInsurance distribution partnership through RGA Mediación OBSV, S.A. Caixa Popular belongs to the RGA Mediación distribution network, offering insurance products from multiple insurers including SegurosRGA. Partnership covers home, auto, life, health, accidents, and other insurance products.
• Fandit Power, S.L.minorImplementation/ SI/ Consulting PartnerEuropean funds advisory platform partnership. Fandit Power provides the contact platform that aggregates different public aid opportunities from various organisms, simplifying the process for businesses seeking Next Generation EU funding access. Email contact for SME advisory: [email protected]
• CEU UCH (Universidad Cardenal Herrera)minorStrategic or Co-development PartnerAcademic partnership to reward young talent and bring banking closer to new generations. Students develop innovative strategies for engaging youth with banking services through joint awards and innovation challenges.
• Gescooperativo S.A. S.G.I.I.C.coreTechnology or IntegrationInvestment funds management company for distribution of investment funds, pension plans, and savings insurance. Gestora manages fund investments with Depositary Bank Banco Cooperativo Español S.A.
• Rural Servicios Informáticos (RSI)coreTechnology or IntegrationIT services provider for the Rural Caja group, providing banking software, digital platforms (Ruralvía), documentation portal, and technology infrastructure for banking operations.
• Banco Cooperativo Español S.A.coreTechnology or IntegrationDepositary bank for investment funds distributed by Caixa Popular. Part of the Rural Caja group structure providing shared banking services and infrastructure.
• VIP DistrictminorGTM or Marketing PartnerYouth lifestyle and entertainment discount program partnership. Caixa Popular offers exclusive promotions through VIP District for young customers under 30 years old.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kutxabank: A Spanish cooperative bank (originating from BBK, Kutxa, and Vital) operating in the Basque Country. Shares the cooperative ownership model, strong regional identity, and full-service retail/SME banking proposition, serving as a regional peer benchmark.
• Caja de Ingenieros: A Spanish cooperative credit bank focused on professional and engineer members, with a similar cooperative governance model, full-service banking offering, and emphasis on member value rather than external shareholder returns. Provides a useful comparison point for cooperative banking economics.
• Caja Rural de Granada: A fellow member of the Grupo Caja Rural network with the same Ruralvía digital platform and shared technology stack. Operates a similar retail and SME banking model in a different region, making it a structurally analogous peer for benchmarking and comparable unit economics.
• Cajamar: Cajamar is the largest Spanish credit cooperative (caja rural) with a similar full-service retail, SME, and cooperative banking model. It is the closest direct competitor to Caixa Popular in terms of ownership structure, product breadth, and regional cooperative banking focus.
• Laboral Kutxa: Another Basque-origin Spanish cooperative bank with a similar member-owned structure, retail banking focus, and strong regional community orientation. Comparable in business model and customer segments to Caixa Popular's cooperative banking approach.

Broad incumbents

• Bankinter: A Spanish retail and corporate bank with strong digital capabilities and a focus on affluent and SME segments. Competes with Caixa Popular for premium retail and SME clients in the Valencian Community and represents a key benchmark for digital banking maturity.
• Banco Sabadell: A major Spanish universal bank with significant SME and retail banking presence, particularly strong in the eastern Mediterranean regions. Competes with Caixa Popular for SME, cooperative, and retail deposits in the Valencian Community.
• CaixaBank: Spain's largest retail bank with nationwide presence, comprehensive product portfolio, and dominant market share in the Valencian Community. Competes directly with Caixa Popular across retail, SME, and mortgage products but at vastly greater scale and with listed-company capital flexibility.
• BBVA: One of Spain's largest banks with nationwide retail and corporate banking operations, competing for the same retail and SME customers as Caixa Popular. Significantly larger balance sheet and digital investment capacity make it a benchmark for competitive pressure in the broader Spanish market.

Emerging players

• Triodos Bank (Spain): A sustainable and ethical banking pioneer operating in Spain with strong ESG credentials comparable to Caixa Popular's social/environmental positioning. While smaller and not cooperative-owned, it competes for the same values-driven retail and SME customers and represents a credible alternative in the ESG banking niche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/caixapopular
• YouTubeyoutube.com/user/CaixaPopularCCV
• Facebookfacebook.com/caixapopular
• LinkedInlinkedin.com/company/caixa-popular-ccv
• Instagraminstagram.com/caixapopular
• TikToktiktok.com/@caixapopular_

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 Caixa Popular