RomagnaBanca
RomagnaBanca Credito Cooperativo is an Italian cooperative bank (Banca di Credito Cooperativo) serving retail, SME, and cooperative-member customers across the Romagna region through physical branches in Cesenatico, Bellaria Igea Marina, and Savignano sul Rubicone, complemented by the Inbank digital banking platform, as a member of Gruppo Cassa Centrale.
- Company typePrivate
- Founded2017
- HeadquartersCesenatico, Italy
- Headcount251–500
- GTM typeB2C
- OfferingServices
What RomagnaBanca does
RomagnaBanca Credito Cooperativo is an Italian cooperative bank (Banca di Credito Cooperativo) headquartered in Sala di Cesenatico, operating across the provinces of Forlì-Cesena and Rimini in the Romagna region. The bank serves three primary customer segments: Privati (retail individuals and families), Imprese (SMEs, professionals, agribusiness, and tourism operators), and Soci (cooperative member-owners who participate in governance through the Assembly), with secondary segments targeting minors and young members. Under its 'fare la cosa giusta' (doing the right thing) cooperative philosophy, the bank reinvests in the local territory and operates as a member of Gruppo Cassa Centrale under parent Cassa Centrale Banca - Credito Cooperativo Italiano S.p.A.
The product portfolio is comprehensive for a regional retail/SME bank and spans current and deposit accounts, debit and credit cards, personal loans (Prestipay with 'Taglia la Rata' promotions) and mortgages (including the subsidized Mutuo Giovani Prima Casa for under-36 buyers backed by the Consap Fondo di Garanzia), investment and wealth management products, pension and retirement planning (Pensaci Ora initiative), and insurance (Bancassicura Check Up needs analysis). Business-facing specialized services include POS terminal deployment, digital channels, PNRR advisory tied to Italy's National Recovery Plan, international trade services, agribusiness financing, and the Green Tour programme for the tourism sector. Distribution combines a physical branch network (Sala di Cesenatico headquarters, Bellaria Igea Marina, and Savignano sul Rubicone branches) with the Inbank digital banking platform for 24/7 self-service and the 'Consulenti Vivissimi' appointment-based advisory channel.
The revenue model is classic for a deposit-taking institution, comprising net interest income on loans and mortgages, transaction fees and account maintenance charges, recurring commissions from insurance (bancassurance), investment, and pension products. The bank does not publicly disclose pricing on its website; specific rates and fees are quoted in-branch or via Inbank. Marketing and customer acquisition rely on a referral programme ('RomagnaBanca premia la tua Amicizia'), community events, the 'La Finestra' newsletter, and the 'A Buon Rendere' financial education portal under the Gruppo Cassa Centrale umbrella. Technology is provided primarily through group-level platforms (Inbank from Gruppo Cassa Centrale; whistleblowing from Allitude S.p.A. and Unione Fiduciaria), and the bank is PSD2/Open Banking compliant with no disclosed proprietary AI/ML capabilities.
RomagnaBanca firmographics
Firmographics- Name
- RomagnaBanca
- Legal name
- RomagnaBanca Credito Cooperativo
- Website
- https://romagnabanca.it
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- RomagnaBanca Credito Cooperativo is an Italian cooperative bank (Banca di Credito Cooperativo) serving retail, SME, and cooperative-member customers across the Romagna region through physical branches in Cesenatico, Bellaria Igea Marina, and Savignano sul Rubicone, complemented by the Inbank digital banking platform, as a member of Gruppo Cassa Centrale.
- Ownership category
- akta.pro rank
RomagnaBanca industry classification
Industry- Product category
- Cooperative Retail Banking
- NAICS
- Credit Unions (52213), Credit Unions (522130)
- SIC
- State Commercial Banks (6022), Commercial Banks, Nec (6029)
- akta.pro primary industry
- Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)
- akta.pro secondary industries
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA), Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)
Keywords
Where RomagnaBanca is headquartered
LocationHeadquarters
- HQ city
- Cesenatico
- HQ country
- Italy
- HQ region
- Europe
Offices3 records
Markets served
RomagnaBanca business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Traditional banking revenue from interest margins on loans, mortgages, and credit facilities extended to retail and business customers.
- Commissions and Fees: Fees for account maintenance, transactions, payment services, card management, and other banking services.
- Insurance Products: Bancassicura insurance products and services sold through the bank to retail and business customers.
- Investment Products: Mutual funds, wealth management, and investment services generating management fees and commissions.
- Pension and Retirement Products: Previdenza (pension) products including Pensaci Ora initiative for retirement planning.
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
RomagnaBanca product offering
Product offeringCore offering
RomagnaBanca Credito Cooperativo is an Italian cooperative bank (Banca di Credito Cooperativo) headquartered in Sala di Cesenatico (province of Forlì-Cesena), Emilia-Romagna, Italy. It provides retail and small-business banking products, including current accounts, mortgages, consumer loans, and investment/insurance services, tailored to private customers, businesses, and member-owners (Soci), and operates within the Cassa Centrale Group.
Product overview
RomagnaBanca Credito Cooperativo is a cooperative bank offering a comprehensive suite of banking products and services organized around two main customer segments: Privati (individuals) and Imprese (businesses). The product portfolio includes foundational current and deposit accounts, payment cards, various financing options (personal loans, mortgages including the subsidized Mutuo Giovani Prima Casa for under-36 buyers), investment and pension products (Previdenza with Pensaci Ora initiative), and insurance solutions (Assicurazioni with Bancassicura Check Up professional analysis). Digital banking is served through the Inbank platform, while businesses access specialized services including POS terminals, digital channels, PNRR advisory, international services, and agribusiness support. The bank operates under the Cassa Centrale banking group umbrella.
Differentiator
Problem solved
Functional benefit
Brands
- Inbank: Digital banking platform for online and mobile banking services.
- Consulenti Vivissimi
- A Buon Rendere
Products and services
- Private Banking (Privati)
Companies that use RomagnaBanca
Customer profileSegments5 records
Ideal customer profiles3 records
RomagnaBanca technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
RomagnaBanca partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Gruppo Cassa CentralecoreParent banking group providing governance, technology platforms, marketing support, and regulatory coordination. RomagnaBanca operates as a member of this cooperative banking network which enables shared services, brand positioning, and national scale while maintaining local autonomy.
- Unione FiduciariacoreTechnology provider for the whistleblowing platform used by RomagnaBanca for internal compliance and anti-corruption reporting. The platform supports both written and oral reporting with identity protection features.
- InBankcoreDigital banking platform operated by Gruppo Cassa Centrale, providing online and mobile banking services to RomagnaBanca customers.
- Consap (Fondo di Garanzia Mutui Prima Casa)coreGovernment-backed fund providing guarantees for first-home mortgages to young buyers (under 36), in partnership with which RomagnaBanca offers subsidized mortgage products.
- Fondo di Garanzia per le PMI MISEcoreMinistry of Economic Development SME Guarantee Fund that RomagnaBanca utilizes to provide credit guarantees for small and medium enterprises.
- PrestipayminorPersonal loan product promoted through RomagnaBanca channels, featuring promotional 'Taglia la Rata' campaigns for customer acquisition.
- Regione Emilia-RomagnaminorRegional government offering grants and subsidies (up to 50,000 euros in non-repayable contributions) that RomagnaBanca promotes and helps businesses access.
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
RomagnaBanca competitors and assessment
Company assessmentDirect peers
- Banca di Piacenza: Italian BCC operating in the same Emilia-Romagna region with similar member-owned model, SME lending focus, and community bank differentiation.
- Cassa Centrale Banca: Parent entity and central cooperative of Gruppo Cassa Centrale, coordinating BCCs including RomagnaBanca. Direct comparable on cooperative-banking operating model, governance, and shared digital platform.
- Credito Emiliano (Credem): Major Italian cooperative/regional bank serving individuals and SMEs across Emilia-Romagna. Closely comparable on regional Italian retail/SME banking focus, although considerably larger than RomagnaBanca.
- Iccrea Banca: Italian cooperative-banking central institution serving BCCs (competing group to Cassa Centrale), providing a structural peer for technology, capital, and federation services.
Emerging players
- Banca Etica: Italian ethical cooperative bank with similar BCC governance model and explicit ESG/sustainability positioning aligned to RomagnaBanca's ESG messaging.
Broad incumbents
- BPER Banca: Large Italian regional commercial bank headquartered in Emilia-Romagna with deep retail and SME penetration across the same territory as RomagnaBanca, representing scale competition.
- Crédit Agricole: European cooperative banking group whose mutual/cooperative governance and regional retail-banking model mirror RomagnaBanca's structural approach at international scale.
- Banca Mediolanum: Italian retail-focused bank with strong advisory wealth-management offering — comparable to RomagnaBanca's Consulenti Vivissimi model.
- Desjardins Group: Large Canadian cooperative financial group — international reference point for member-owned cooperative banking model at scale.
Regional players
- Banca Popolare dell'Emilia Romagna (BPER) — historical: Originally a cooperative-style regional Italian bank with strong Romagna footprint, now under BPER Banca — a legacy peer with comparable governance history.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
RomagnaBanca social profiles
Digital presenceRomagnaBanca compliance and trust
Trust signalCompliance5 records
RomagnaBanca financial estimates
Financial estimateRevenue estimate
Valuation estimate
RomagnaBanca leadership team
Management profileNumber of profiles
Profiles1 record
RomagnaBanca funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RomagnaBanca M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about RomagnaBanca
What does RomagnaBanca do?
RomagnaBanca Credito Cooperativo is an Italian cooperative bank (Banca di Credito Cooperativo) headquartered in Sala di Cesenatico (province of Forlì-Cesena), Emilia-Romagna, Italy. It provides retail and small-business banking products, including current accounts, mortgages, consumer loans, and investment/insurance services, tailored to private customers, businesses, and member-owners (Soci), and operates within the Cassa Centrale Group.
Is RomagnaBanca a public or private company?
RomagnaBanca is a private company. It is classified as management employee owned and is currently operating.
When was RomagnaBanca founded?
RomagnaBanca was founded in 2017. It employs 251 to 500 people.
Where is RomagnaBanca based?
RomagnaBanca is headquartered in Cesenatico, Italy, in the Europe region.
How does RomagnaBanca make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are commissions and Fees, insurance Products, investment Products and pension and Retirement Products.
Who are RomagnaBanca's main competitors?
Direct peers on record are Banca di Piacenza, Cassa Centrale Banca, Credito Emiliano (Credem) and Iccrea Banca. Banca Etica is listed as an emerging player. Broad incumbents are BPER Banca, Crédit Agricole, Banca Mediolanum and Desjardins Group. Banca Popolare dell'Emilia Romagna (BPER) — historical is listed as a regional player.
Does RomagnaBanca have an API?
Yes. RomagnaBanca offers PSD2/Open Banking integration through Inbank platform, enabling secure data sharing with third-party providers as required by EU payment services regulation.
What industry is RomagnaBanca in?
RomagnaBanca's product category is Cooperative Retail Banking. Its primary akta.pro industry code is FSABAEAF, Cooperative Banks (Member-Owned Commercial/Retail), with a secondary code of FSABAEAA, Community Credit Unions (Retail/Consumer Focus). Its NAICS code is 52213 and its SIC code is 6022.