Banca Alpi Marittime

What Banca Alpi Marittime does

Banca Alpi Marittime Credito Cooperativo Carrù S.c.p.A. is a cooperative bank (Banca di Credito Cooperativo) founded in 1899 and headquartered in Carrù, in the Piedmont region of Italy. The bank operates as a member of Gruppo BCC Iccrea, Italy's largest cooperative banking group, and serves private individuals, families, small and medium enterprises, high-net-worth individuals, and its own member-shareholders (soci) within the Cuneo area of Piedmont. Distribution is conducted through a physical branch network complemented by the digital RelaxBanking platform for online and mobile banking.

The product portfolio spans retail and commercial banking (Privati e Famiglie, Aziende), wealth management advisory, mortgage lending including the differentiated Mutuo Prima Casa BAM 100% first-home loan up to 100% financing, managed savings instruments (Risparmio Gestito), branded payment cards (CartaBCC), and merchant payment acceptance via SmartPOS Connect. Supplementary services include the cooperative health insurance mutual Mutua CAMPA, the Formula Salute mobile health service, the BAM Vicini Sempre member benefits program, the Stop Frodi fraud prevention service, and cultural initiatives such as BCC Arte&Cultura and BCC Book Club. Technology and product distribution are largely provisioned through the shared Gruppo BCC Iccrea infrastructure, reducing the bank's incremental technology investment burden while extending the available product surface.

The cooperative business model is members-as-shareholders, with profits reinvested locally rather than distributed to external shareholders. Revenue is generated through traditional banking mechanics: net interest income from loans and mortgages, fee income from accounts and payment services, distribution commissions on insurance and wealth products, and merchant acquiring fees. The bank is privately held, does not disclose revenue or headcount, and operates within a tightly defined regional geography with no disclosed M&A, international expansion, or external funding activity.

Name

Banca Alpi Marittime

Legal name

Banca Alpi Marittime Credito Cooperativo Carrù S.c.p.A.

Website

https://bancaalpimarittime.it

Company type

Private

Founded year

1899

Operating status

Operating

Headcount range

251–500 employees

Short description

Banca Alpi Marittime is a Piedmont-based Italian cooperative bank founded in 1899 and affiliated with Gruppo BCC Iccrea, serving retail, SME, and high-net-worth customers through branches, the RelaxBanking digital platform, and member-shareholder benefits.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (522130)

SIC

Commercial Banks, Nec (6029)

akta.pro primary industry

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

akta.pro secondary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Cooperative banking services
• Retail mortgage lending
• Commercial banking products
• Wealth management advisory
• Payment card services

Headquarters

HQ city

Carru

HQ country

Italy

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

Revenue model

1. Banking Services: Traditional banking revenue including interest income from loans and mortgages, fee income from account management, payment services, and wealth management services. Core cooperative banking model where members are also shareholders.
2. Loan Products: Mortgages and personal loans generating interest income, including specialized products like 100% first-home mortgages and BAM 100% offerings
3. Insurance Services: Distribution of insurance products through Mutua CAMPA cooperative health insurance

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Banca Alpi Marittime is a cooperative bank (Banca di Credito Cooperativo) operating in the Piedmont region of Italy, providing retail banking, commercial banking, mortgages, wealth management, and insurance products to individuals, families, local SMEs, and member-shareholders. It delivers these services through a regional branch network, the RelaxBanking digital platform, CartaBCC payment cards, and SmartPOS payment terminals, all leveraged through membership in the Gruppo BCC Iccrea.

Product overview

Banca Alpi Marittime is a cooperative bank (BCC - Banca di Credito Cooperativo) offering a unified banking platform centered on RelaxBanking (online/mobile banking) and CartaBCC (payment cards). The product portfolio spans retail banking for individuals and families (Privati e Famiglie) and commercial banking for enterprises (Aziende), supplemented by specialized wealth management advisory services, mortgage products including the Mutuo Prima Casa BAM 100% first-home loan, managed savings (Risparmio Gestito), and insurance solutions through Mutua CAMPA and Formula Salute. The bank also provides POS payment acceptance via SmartPOS Connect, a member benefits program (BAM Vicini Sempre), and cultural initiatives (BCC Arte&Cultura, BCC Book Club).

Differentiator

Problem solved

Functional benefit

Products and services

• RelaxBanking Online and mobile banking platform enabling customers to access accounts, conduct transactions, manage payments, and review transaction history through the Gruppo BCC Iccrea infrastructure.
• CartaBCC Branded credit and debit card offering payment processing, ATM access, and contactless transactions for retail customers.
• Mutuo Prima Casa BAM 100% First home mortgage product offering up to 100% financing for purchasing a primary residential property.
• Wealth Management Financial advisory and investment management services for affluent and high-net-worth individuals and families.
• Mutua CAMPA Cooperative health insurance mutual providing supplementary health coverage to bank members and soci.
• Formula Salute Mobile health coverage service providing access to healthcare benefits and medical services, offered through the Gruppo BCC Iccrea partnership.
• SmartPOS Connect Point-of-sale terminal solution enabling local merchants to accept card payments and digital transactions.
• Risparmio Gestito Managed savings and investment product line including investment funds, discretionary mandates, and portfolio management services.

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Gruppo BCC IccreacoreStrategic or Co-development PartnerBanca Alpi Marittime is a member bank of Gruppo BCC Iccrea, Italy's largest cooperative banking group. This partnership provides institutional backing, shared technology platforms (including RelaxBanking), access to a wider range of financial products and services, and collective risk management. The bank adheres to Group standards and regulations while maintaining its local identity and community focus.
• RelaxBankingcoreTechnology or IntegrationDigital banking platform provided through the Gruppo BCC Iccrea, enabling online and mobile banking services including account management, payments, transfers, and transaction history for Banca Alpi Marittime customers.
• Mutua CAMPAcoreStrategic or Co-development PartnerCooperative health insurance mutual operating under the bank's cooperative structure, providing member-focused health insurance products. Available exclusively to bank members and soci.
• Formula SaluteminorGTM or Marketing PartnerMobile health service offered through the Gruppo BCC Iccrea partnership, providing health-related benefits to customers.
• BCC Arte&CulturaminorStrategic or Co-development PartnerCultural initiative promoted through the Gruppo BCC Iccrea, supporting arts and culture in local communities where member banks operate.
• Digital Più ExportminorGTM or Marketing PartnerInternational business development platform offered through Gruppo BCC Iccrea to support member banks' business customers with export and internationalization services.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Regional players

• Credito Emiliano (Credem): Italian mid-sized regional bank with strong retail and commercial presence across northern and central Italy. Comparable as a profitable, relationship-driven Italian regional bank with a multi-product offering spanning retail, corporate, and wealth management.
• Cassa di Risparmio di Asti: Regional Piedmont-based savings bank operating in the same geographic market as BAM. Comparable as a community-rooted, multi-branch Italian bank with retail and commercial banking focus, though structured as a fondazione-backed savings bank rather than a cooperative.

Direct peers

• Cassa Centrale Banca: Italian cooperative banking holding group (capogruppo of the Cassa Centrale BCC network) operating a parallel cooperative banking consortium of BCCs. Directly comparable to Gruppo BCC Iccrea, BAM's parent group, in structure, regulatory model, and product offering.
• Banca Sella: Italian private bank holding group (including Banca Sella and Sella Personal Credit) with similar community-rooted identity, regional Italian footprint, and full retail/commercial/wealth offering. Comparable in scale and in the family/community positioning strategy.
• Banca Popolare di Sondrio: Italian cooperative-style regional bank operating in northern Italy with strong retail and commercial banking franchise. Comparable as a member-rooted, regional Italian bank serving SMEs and households outside major metropolitan areas.

Broad incumbents

• Banco BPM: Major Italian retail and corporate bank with dense northern Italy branch network overlapping BAM's Piedmont footprint. Comparable as a competing provider of retail banking, mortgages, and SME services in the same regional territory.
• Intesa Sanpaolo: Italy's largest banking group with universal retail, corporate, and wealth management offerings. Comparable as the dominant incumbent against which small regional cooperatives like BAM compete for retail deposits, mortgages, and SME banking in northern Italy.

Emerging players

• Banca Mediolanum: Italian retail bank with strong wealth management and fee-based earnings mix targeting households and small businesses. Comparable in its family/HNW customer focus and in diversifying away from pure spread income toward advisory and fee services.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/BamCarru
• YouTubeyoutube.com/channel/UCa_5J2_Ed1RRIRpgPEDi6KQ
• Facebookfacebook.com/bancaalpimarittime
• LinkedInlinkedin.com/company/banca-alpi-marittime/?originalSubdomain=it
• Instagraminstagram.com/bancaalpimarittime

Compliance2 records

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 Banca Alpi Marittime