BCC Garda

What BCC Garda does

BCC del Garda — officially Banca di Credito Cooperativo Colli Morenici del Garda Società Cooperativa, operating as BCC Garda — is an Italian member-owned cooperative bank headquartered in Montichiari (province of Brescia, Lombardy) at Via Trieste 62. The bank serves the Lake Garda area across retail customers (individuals and families), small and medium enterprises, self-employed professionals, young people, and its own soci (member-shareholders). It offers current accounts (Conto100), savings and investment products, personal and business credit facilities, payment services (SEPA transfers, direct debits, MAV/RAV, PagoPA), prepaid cards (CartaBCC Tasca family via Numia S.p.A.), and distributes health insurance (Salute Più Protetta) and life insurance (Garda Vita) under agency agreements with BCC Assicurazioni and group partners. The bank's digital layer consists of the RelaxBanking home-banking platform for web and mobile, a dedicated Soci members' app, and a PSD2-compliant dedicated interface for Third Party Providers delivered through the CBI Globe open-banking platform since June 2019. As part of Gruppo Bancario Cooperativo Iccrea — Italy's largest cooperative banking group — BCC Garda shares technology infrastructure, compliance frameworks, and digital services with sibling BCCs while retaining a regional identity anchored in the cooperative tradition, member governance through the Assemblea Sociale, and community programs including the GardaForum auditorium (built 2008), CREO sustainability initiatives, and the Io merito scholarship program.

Name

BCC Garda

Legal name

BCC del Garda - Banca di Credito Cooperativo Colli Morenici del Garda Società Cooperativa

Website

https://bccgarda.it

Company type

Private

Founded year

1970

Operating status

Operating

Short description

BCC del Garda is a member-owned Italian cooperative bank in Montichiari serving the Lake Garda area with retail, SME, professional, and youth banking products — including current accounts, RelaxBanking home banking, CartaBCC prepaid cards, and insurance distribution — under the Gruppo Bancario Cooperativo Iccrea umbrella.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

Keywords

• Cooperative banking
• Retail banking services
• Credit cooperative
• Home banking
• Payment cards

Headquarters

HQ city

Montichiari

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional credit cooperative bank generating revenue primarily through interest spread on loans and credit facilities extended to retail customers, businesses, and members.
2. Account and Service Fees: Revenue from current account maintenance fees, transaction fees, and banking service charges including Conto100 subscription.
3. Insurance Distribution: BCC Garda distributes insurance products including Salute Più Protetta (health insurance) under agency agreements with BCC Assicurazioni S.p.A., earning commission revenue.
4. Payment Services: Revenue from payment services including SEPA transfers, direct debits, MAV/RAV, bollettini, CBill-PagoPA, and prepaid card reloads.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

BCC Garda is a member-owned cooperative bank (Banca di Credito Cooperativo) serving individuals, families, businesses, professionals, and young people in the Lake Garda area of Lombardy, Italy. It provides current accounts, home banking (RelaxBanking), prepaid and debit cards (CartaBCC via Numia S.p.A.), credit facilities, SEPA payment services, and distributes health insurance (Salute Più Protetta) through agency agreements with BCC Assicurazioni.

Differentiator

Problem solved

Functional benefit

Brands

• RelaxBanking: Home banking and online banking platform offered by BCC Garda for managing accounts, payments, and financial operations digitally.
• Conto100 BCC
• GardaForum
• Garda Vita
• CartaBCC
• CREO

Products and services

• Conto100 BCC Premium current account product for retail customers offering a full range of banking services, with free account maintenance for customers under 26 years old and discounts available for standard accounts.
• RelaxBanking Online home banking platform (web and mobile app) enabling customers to manage accounts, execute payments and transfers, control cards, and view statements digitally.
• Salute Più Protetta Customizable health insurance product protecting customers from the economic consequences of health-related unforeseen events, distributed through BCC Garda branches under agency agreement with BCC Assicurazioni S.p.A.
• CartaBCC Prepaid and Debit Cards Prepaid cards (Tasca, TascaConto, TascaBusiness) and debit cards issued through Numia S.p.A., enabling cash withdrawals, electronic payments, and reloads for retail and business customers.
• APP per i Soci Dedicated mobile application for BCC Garda members (Soci) providing access to member benefits, events, and exclusive content.
• Imprese (Business Banking) Banking services for small and medium enterprises operating in the Garda area, including credit facilities, payment services, corporate accounts, SEPA transactions, and treasury management.
• PSD2 / Open Banking API Interface PSD2-compliant dedicated interface for Third Party Providers (TPPs) accessible via the CBI Globe platform, enabling account information services and payment initiation under EU PSD2 directive.
• Garda Vita Life Insurance Life insurance and financial protection products offered through Garda Vita, complementing the bank's product range for retail and member customers.
• Giovani (Youth Banking) Banking services designed for young people including free account maintenance for customers under 26 years old, scholarships (Io merito 2025), and educational financing programs.

Quantifiable outcome

• BCC Garda supports local communities through scholarship programs (Io merito), community events (GardaForum), sustainability initiatives, and social projects.

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• CBI Globe (Global Open Banking Ecosystem)coreTechnology or Integration · 1 June 2019CBI Globe is the global open banking ecosystem platform used by all banks in Gruppo BCC Iccrea. BCC Garda connects to the CBI Globe platform to provide a dedicated PSD2 interface for Third Party Providers (TPPs), enabling account information services and payment initiation under the EU PSD2 directive. Banca d'Italia has granted exemption from the fall-back solution requirement for all Gruppo BCC Iccrea banks.
• Gruppo Bancario Cooperativo IccreacoreStrategic or Co-development PartnerBCC Garda is a member bank of Gruppo Bancario Cooperativo Iccrea (GBCI), the largest cooperative banking group in Italy. The group provides shared technology infrastructure (including RelaxBanking), compliance frameworks, marketing platforms, and institutional support. BCC Garda adheres to group policies including ethics guidelines, whistleblower procedures, and digital accessibility standards.
• BCC Assicurazioni S.p.A.coreChannel Partner/ Reseller/ DistributorBCC Assicurazioni S.p.A. is an insurance company (part of Gruppo Assimoco) authorized by IVASS. BCC Garda distributes insurance products including Salute Più Protetta (health insurance) through its branch network as an authorized agent. The bank is registered with IVASS under RUI n. D000078983.
• Numia S.p.A. (ex BCC Pay S.p.A.)coreTechnology or IntegrationNumia S.p.A. is the electronic money institution (formerly BCC Pay S.p.A.) that issues CartaBCC branded prepaid cards and debit cards used by BCC Garda customers. The bank provides prepaid cards (CartaBCC Tasca, CartaBCC TascaConto, CartaBCC TascaBusiness) and debit cards through this partnership for ATM withdrawals and card payments.
• Garda VitaminorStrategic or Co-development PartnerGarda Vita is a life insurance company or initiative associated with BCC Garda, referenced as part of the bank's community commitment (BCC del Garda per la Comunità). It provides life insurance products complementing the bank's product range.
• GardaForumminorStrategic or Co-development PartnerGardaForum is a multifunctional auditorium and cultural space in Montichiari, originally built in 2008 by Banca di Credito Cooperativo Colli Morenici del Garda. It is made available to the community for meetings, conferences, cultural events, and educational programs, reflecting the bank's commitment to social and cultural development.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• UniCredit: Major pan-European Italian-headquartered bank with a strong northern Italy presence; comparable commercial banking and SMB lending services at significantly larger scale than BCC Garda.
• Banco BPM: Major Italian banking group formed through cooperative-bank consolidation; comparable retail and SMB banking services, with a stronger northern Italy footprint that includes the same Lombardy territory as BCC Garda.
• Intesa Sanpaolo: Italy's largest banking group, operating across retail, SMB, and corporate segments with a nationwide branch network; overlaps with BCC Garda's product offering across Lombardy and competes for the same retail and small-business customers.
• BPER Banca: One of Italy's largest regional commercial banks with significant Lombardy/Northern Italy presence; overlaps with BCC Garda's business customer base and deposit/loan products at a larger scale and broader geographic footprint.

Emerging players

• Illimity Bank: Italian digital-native bank targeting SMEs and retail customers with a fully cloud-based platform; represents the disruptive competitive threat to BCC Garda's branch-anchored regional model in the same customer segments.
• Banca Sella: Italian family-owned bank with strong digital and fintech orientation (Sella group); comparable retail and SMB target segments, but with a more digital-native distribution model than BCC Garda's branch-led approach.

Direct peers

• Credito Emiliano (Credem): Italian bank with cooperative origins and strong regional focus on retail and SMB customers; comparable product mix (current accounts, insurance distribution, business lending) and similar regional-bank economics to BCC Garda.
• Banca Mediolanum: Italian retail-focused bank with multi-channel distribution combining physical advisors and digital platforms; comparable in targeting retail/family and SMB customers with current accounts, insurance, and payment products.
• Cassa Centrale Banca: Coordinating entity of the second major Italian cooperative banking group (Credito Cooperativo Italiano), directly comparable as the structural parallel to BCC Garda's parent Gruppo BCC Iccrea — same cooperative banking business model, same member-owned framework, similar regulatory perimeter.

Regional players

• Banca Popolare di Sondrio: Italian cooperative-origin bank focused on northern Italy with strong retail and SMB franchise; comparable in cooperative identity and regional-bank economics, though geographically centered on Lombardy/Valtellina rather than the Garda sub-region.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCqYrkWiztmcmdGBbXeZHcNg
• Facebookfacebook.com/bccgarda
• LinkedInlinkedin.com/company/banca-di-credito-cooperativo-colli-morenici-del-garda-s.c.
• Instagraminstagram.com/bccgarda

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

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 BCC Garda