Cassa Rurale AltoGarda - Rovereto

What Cassa Rurale AltoGarda - Rovereto does

Cassa Rurale AltoGarda - Rovereto, Banca di Credito Cooperativo - Società Cooperativa, is an Italian cooperative bank headquartered at Corso Rosmini 13 in Rovereto, with a branch at Viale delle Magnolie 1 in Arco, serving the Trentino-Alto Adige region. The bank operates within the Gruppo Cassa Centrale Banca (Cassa Centrale Banking Group), a national cooperative banking network of 72 local banks and approximately 4,000 employees. Its commercial offering is organized around three customer cohorts: Privati (individuals and families), Imprese (small and medium enterprises, including agribusiness and exporters), and Soci (cooperative members who are simultaneously owners and customers). Products span current and savings accounts (including the digital-first Conto Simply), payment cards, lending (Prestipay personal loans with 500-3,000 EUR instant-credit capability, mortgages), investment advisory (Consulenza Valore), ethical/sustainable funds (NEF Ethical Step to Balanced 2030), insurance distribution, and family welfare/retirement services.

Distribution runs through a hybrid channel model combining the physical branch network with the Inbank digital banking platform (available 24/7 online and via mobile), the Prenota Banca mobile appointment booking app on iOS and Android, and phone and WhatsApp customer support. The bank's technology stack is PSD2/Open Banking compliant, supports SEPA instant payments with Verification of Payee, and includes a whistleblowing platform with voice-submission and voice-masking capability, along with anti-fraud monitoring and customer-education initiatives (I Navigati, Occhi Aperti). Revenue is generated across interest income on loans and mortgages, account and transaction fees, distribution commissions on investment and insurance products, and specialized financing (including energy-efficiency lending). Recent activity includes a "Tre a Zero" promotional campaign offering three years of zero account fees to clients under 35 (launched 2026), participation in the EUR.BANK euro-stablecoin initiative with BANCOMAT and Gruppo Cassa Centrale (announced 2026-06-04), and ongoing mobilization of Fondosviluppo, Coopfond, and Cooperfidi capital to support cooperative customers facing energy-cost pressures. The bank holds no public ticker, is owned by its member-shareholders and governed through the parent cooperative group, and has 251-500 employees with no disclosed total-assets, revenue, or profitability figures in the source data.

Name

Cassa Rurale AltoGarda - Rovereto

Legal name

Cassa Rurale AltoGarda - Rovereto, Banca di Credito Cooperativo - Società Cooperativa

Website

https://cr-ager.it

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

251–500 employees

Short description

Cassa Rurale AltoGarda - Rovereto is a Trentino-based Italian cooperative bank (Banca di Credito Cooperativo) within Gruppo Cassa Centrale Banca, providing retail, SME, and cooperative-member banking services through branches in Arco and Rovereto complemented by the Inbank digital platform and Prenota Banca mobile appointment system.

Ownership category

akta.pro rank

Product category

Cooperative Retail and Commercial Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Commercial Banking (52211)

SIC

State Commercial Banks (6022), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Cooperative banking services
• Retail banking accounts
• Commercial banking financing
• Wealth management advisory
• Digital banking platform

Headquarters

HQ city

Arco

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest spread on loans, mortgages, and credit facilities extended to retail and business customers.
2. Commission and Fee Income: Fees from account management, payment services, card transactions, and banking service commissions.
3. Investment Products Distribution: Distribution of investment funds, wealth management services (Consulenza Valore), and ethical/sustainable investment products such as NEF Ethical Step to Balanced 2030.
4. Insurance Products: Distribution of insurance products through banking channels for both retail and business customers.
5. Financing Services: Personal loans (Prestipay), mortgages, business financing, and energy efficiency loans with public guarantee schemes.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Cassa Rurale AltoGarda - Rovereto is a cooperative credit bank offering retail and commercial banking products (current accounts, cards, mortgages, personal loans like Prestipay), investment advisory and ethical funds (Consulenza Valore, NEF Ethical Step to Balanced 2030), insurance, POS, agribusiness, and international trade services. Banking is delivered through physical branches in Arco and Rovereto and a digital suite centered on the Inbank online platform and the Prenota Banca appointment booking app.

Product overview

Cassa Rurale AltoGarda - Rovereto operates as a cooperative bank offering a comprehensive suite of banking and financial services organized into three main customer segments: Privati (individuals), Imprese (businesses), and Soci (members). The product portfolio centers on traditional banking products including current and savings accounts (Conto Simply), lending solutions (Prestipay personal loans, mortgages), investment services (Consulenza Valore advisory, ethical investment funds like NEF Ethical Step to Balanced 2030), insurance, and cards. Digital banking is delivered through the Inbank online platform, complemented by the Prenota Banca appointment booking service. Key service differentiators include instant SEPA payments, sustainable investment options, and youth-oriented promotions like 'Tre a Zero' with three years of zero fees.

Differentiator

Problem solved

Functional benefit

Products and services

• Conto Simply Online current account for retail customers who prefer autonomous, digital-first management of their banking, offering full online access for frequent operations.
• Consulenza Valore Advanced investment advisory service that adapts to the client's financial growth over time, for retail wealth management customers.
• Inbank Digital banking platform providing 24/7 online and mobile access to accounts, transactions, and financial services for retail and business customers.
• Prenota Banca Branch appointment booking service via mobile app (iOS and Android) and web, allowing customers to schedule visits to bank branches 24/7.
• NEF Ethical Step to Balanced 2030 Flexible and sustainable investment fund that captures market opportunities while incorporating ethical and environmental criteria, distributed to retail investors.
• Prestipay Personal loan service including instant credit (Prestipayfast) with immediate approval for amounts of 500 to 3,000 EUR, usable for general purposes and energy bill installments.
• Bonifici Istantanei Instant SEPA payment service for euro transfers available 24/7 including weekends and holidays, with immediate crediting to the beneficiary's account and Verification of Payee (VoP).
• Tre a Zero Current Account Promotion Promotional current account offering with zero monthly fees for three years for new retail customers aged up to 35.

Quantifiable outcome

• 2 billion EUR support fund for energy crisis available to customers
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered minor and core.

• BANCOMAT (EUR.BANK Project)minorStrategic or Co-development Partner · 4 June 2026Partnership participation in EUR.BANK project for euro stablecoin and digital ecosystem development, in collaboration with Gruppo Cassa Centrale.
• FondosviluppocoreStrategic or Co-development PartnerMutual fund of Confcooperative that allocated 1.5 million EUR to support cooperative enterprises with financing up to 250,000 EUR for up to 36 months to address energy costs.
• CoopfondcoreStrategic or Co-development PartnerMutual fund of Legacoop that allocated 1.5 million EUR to support cooperative enterprises with financing up to 300,000 EUR for up to 60 months to address energy costs.
• Cooperfidi ItaliacoreStrategic or Co-development PartnerConfidi providing guarantee services for cooperative enterprises and non-profits, working with mutual funds to reduce financial costs for cooperatives facing energy price increases.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• UniCredit: Italy's largest commercial bank with nationwide retail and SME networks. Comparable as a competitor for the same target customers and as a benchmark for digital banking, SME lending, and ESG product capability.
• Mediocredito Centrale: Italian public bank focused on SME and cooperative lending with public guarantee schemes, comparable in its role as a conduit for state-backed financing to Italian SMEs and cooperatives.
• Cassa Centrale Banca – Credito Cooperativo Italiano: The parent banking group overseeing 72 Italian cooperative banks including Cassa Rurale AltoGarda – Rovereto. Comparable as the operating umbrella for the same cooperative credit bank model, with shared IT (Allitude), product, and governance infrastructure.
• Banco BPM: Large Italian retail and SME bank with strong northern Italy presence. Comparable in serving SMEs and retail customers in the same macro-region, and a key competitor for corporate and retail deposits.
• Intesa Sanpaolo: Italy's largest banking group, dominant in retail and SME banking with extensive ESG and digital initiatives. Comparable as the dominant national competitor for the bank's customer base and as a benchmark for sustainable finance and digital capability.

Direct peers

• Cassa di Risparmio di Bolzano (Sparkasse): Regional cooperative/savings bank operating in the adjacent Trentino-Alto Adige/South Tyrol region with very similar SME, retail, and tourism-economy exposure. Direct geographic and product peer.
• Banca Mediolanum: Italian retail/wealth-focused bank with strong advisory and digital banking. Comparable as a competitor for retail deposits, investment products (Consulenza Valore analog), and affluent customers in northern Italy.
• Iccrea Banca: The other major cooperative banking group in Italy, serving BCCs (banche di credito cooperativo) with similar product, funding, and governance dynamics. Most directly comparable peer in terms of business model and customer base.
• Credito Emiliano (Credem): Mid-sized regional Italian bank with strong presence in SMEs, retail wealth advisory, and digital banking. Comparable in scale (~similar headcount tier) and product mix, though private rather than cooperative.
• Banca Popolare dell'Alto Adige (Volksbank): Cooperative-rooted regional bank serving the Trentino-Alto Adige area with comparable retail, SME, and cooperative lending. A near-twin in geography and target segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/craltogardarovereto
• LinkedInlinkedin.com/company/cassa-rurale-alto-garda

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Cassa Rurale AltoGarda - Rovereto