Caixa De Credito De Leiria

What Caixa De Credito De Leiria does

Caixa de Crédito de Leiria, legally Caixa de Crédito Agrícola Mútuo de Leiria, CRL, is a Portuguese cooperative credit institution founded on 3 January 1915 and registered with Banco de Portugal under nº 5180. It operates exclusively across the concelhos of Leiria, Marinha Grande and Ourém through a network of 13 branches, serving retail individuals and SMEs with a full-service banking proposition including current accounts, debit and credit cards, mortgages, personal and auto loans, investment products, and insurance intermediation. The bank distributes public-guaranteed credit lines through a partnership with Banco Português de Fomento (BPF), most notably the BPF InvestEU facility (€3,555M), Tourism + Sustainable line (€50M) and the post-storm 'Kristin' reconstruction lines (€1.5B), and operates a CCL Saúde health card providing access to over 25,000 medical providers in Portugal and 13,000 in Spain.

The technology stack is built on the SIBS national payment infrastructure, providing MB WAY contactless payments, SPIN alias-based transfers, Multibanco ATM access and PSD2-compliant Open Banking APIs via the SIBS API Market. Customer-facing channels comprise a Homebanking web platform, the CCL App for iOS and Android, and a multilingual property portal (imoveis.caixacreditoleiria.pt) powered by IMO360. The bank is governed cooperatively by its members, with a Foundation (Fundação Caixa Agrícola de Leiria, created 2004) channeling social and cultural activity in the region; the current Board of Directors mandate runs 2025/2027 under President Jorge Manuel Pereira Cova.

Revenue mechanics are typical of a regional cooperative bank: net interest income from variable-rate credit products indexed to Euribor, fee income from accounts, cards and transactions (publicly disclosed in the Folheto de Comissões e Despesas), and commission from insurance intermediation as an ASF-registered agent. Pricing is standardized, with a €125 minimum opening balance for both individual and corporate accounts, auto loan spreads of 2.200%-6.000% over 3M Euribor, and a representative mortgage TAEG of 4.300% on a 30-year, €100,000 home loan example. Distribution is relationship-led via personal managers for business clients, complemented by digital self-service; the bank does not disclose revenue figures but publishes annual reports and quarterly statements on its website.

Name

Caixa De Credito De Leiria

Legal name

Caixa de Crédito Agrícola Mútuo de Leiria, CRL

Website

https://caixacreditoleiria.pt

Company type

Private

Founded year

1915

Operating status

Operating

Headcount range

51–100 employees

Short description

Caixa de Crédito de Leiria is a Portuguese cooperative bank founded in 1915, operating 13 branches across Leiria, Marinha Grande and Ourém, providing retail and SME banking, credit, insurance intermediation and the CCL Saúde health card.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Commercial Banking (522110)

SIC

Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

Keywords

• Cooperative banking services
• Retail banking products
• SME credit lines
• Insurance intermediation
• Regional mutual banking

Headquarters

HQ city

Leiria

HQ country

Portugal

HQ region

Europe

Offices14 records

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 — Credit Products: Interest income from personal credit, mortgage credit (habitação), auto finance, investment loans, and business credit facilities. Variable rates indexed to Euribor with spread margins. This constitutes the primary revenue stream for the cooperative bank.
2. Banking Fees and Commissions: Fee income from account management, transactions, transfers, direct debits, card operations, and other banking services. Disclosed through publicly available fee schedules (Folheto de Comissões e Despesas) and interest rate leaflets (Folheto de Taxas de Juro).
3. Insurance Mediation Commission: Revenue from insurance product intermediation as a registered insurance agent with the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF). Products include life insurance, non-life insurance (property, agricultural, automobile, liability), and health plans (CCL Saúde).

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels6 records

Core offering

Caixa de Crédito de Leiria is a regional cooperative bank offering retail and SME banking: current accounts, debit/credit cards, MB WAY mobile payments, mortgage/personal/auto loans, investment products, and SEPA direct debits. Insurance is intermediated as a registered ASF agent (life, non-life, CCL Saúde health card). Distribution combines a 13-branch network in Leiria/Marinha Grande/Ourém with Homebanking, CCL App, MB WAY, SPIN and SIBS API Market Open Banking channels. Special BPF credit lines (InvestEU, Reconstrução storm recovery, Turismo +Sustentável) serve SME investment and resilience financing.

Product overview

Caixa de Crédito de Leiria is a cooperative bank founded in 1915 offering a comprehensive suite of banking products and services to personal and business customers in the Leiria, Marinha Grande, and Ourém regions. The core offering centers on the CCL App mobile banking application and Homebanking platform for digital banking, complemented by traditional branch services across 13 agencies. The product portfolio includes current accounts (Conta à Ordem), debit and credit cards (Cartão de Débito, Cartão de Crédito), and lending products (Crédito Habitação, Crédito Pessoal, Crédito Automóvel). Insurance products are offered through CCL Saúde (health card with 25,000+ provider network) and general life/non-life insurance (Seguros Vida, Seguros Não Vida). Special credit lines through Banco Português de Fomento partnerships (Linhas de Crédito Especiais, Linhas BPF Apoio à Reconstrução) support SME investment and storm recovery. The company also operates an imoveis.caixacreditoleiria.pt real estate portal and maintains the Fundação Caixa Agrícola de Leiria for social and cultural initiatives.

Differentiator

Problem solved

Functional benefit

Brands

• CCL Saúde: Health insurance card providing access to a private medical network with over 25,000 providers in Portugal and 13,000 in Spain, including 24-hour assistance, online medical consultations, home nursing, medication delivery, and home support services.
• CCL App

Products and services

• Conta à Ordem (Current Account) Current account for daily transactions including deposits, withdrawals, payments and transfers. Minimum opening amount of €125, available to individuals and corporates.
• Cartão de Débito (Debit Card) Visa-branded debit card accepted nationally and internationally at establishments, ATMs and bank branches, with MBnet and MB Way payment capabilities.
• Cartão de Crédito (Credit Card) Credit card products for both personal and business customers, including a Business credit card variant for SMEs, with various benefits and acceptance networks.
• MB WAY Mobile payment service enabling contactless payments, transfers between phones, online purchases and ATM withdrawals using a linked card, delivered via SIBS national infrastructure.
• CCL App (Mobile Banking) Mobile banking application for iOS and Android offering balance and transaction consultation, transfers, operation scheduling, cheque requisition, current accounts management and pending authorisation management.
• Homebanking / CCL Online Online banking platform providing 24/7 access to account management, transfers, bill payments, digital document storage, SPIN registration and Open Banking account aggregation via web browser.
• Débitos Diretos SEPA (SEPA Direct Debits) SEPA direct debit service allowing automatic recurring payments from current accounts.
• Crédito Habitação (Home Loan / Mortgage) Home loan products including mortgage financing with competitive spreads, adjusted terms and reduced commissions, including the State Personal Guarantee for young borrowers aged 18–35 under Decree-Law 44/2024 (transaction values up to €450,000, 30-year term).
• Crédito Pessoal (Personal Loan) Personal loans for individual customers to finance various personal needs and projects.
• Crédito Automóvel (Auto Loan) Auto loans for the acquisition of new or used vehicles (passenger or mixed). Loan amounts €1,000–€75,000, terms 6–84 months, variable rates indexed to 3-month Euribor with spreads 2.200%–5.000% (new) and 3.025%–6.000% (used).
• Crédito Investimento (Investment Loan) Investment products including term deposits, savings accounts and mortgage credit for investment purposes with competitive rates.
• Seguros Vida (Life Insurance) Life insurance intermediation including capitalization, credit protection and family protection coverage, distributed as a registered ASF Insurance Agent.
• Seguros Não Vida (Non-Life Insurance) Non-life insurance intermediation covering persons, property, liability and automobile categories, distributed under ASF Insurance Agent registration.
• CCL Saúde (Health Insurance Card) Health card providing access to a private medical network with over 25,000 providers in Portugal and 13,000 in Spain, including 24-hour assistance, online medical consultations, home nursing, medication delivery and daily hospitalization subsidy. Launched in 2024.
• Linhas de Crédito Especiais (Special Credit Lines) Special credit lines in advantageous price and term conditions for SME investments, distributed in partnership with Banco Português de Fomento: BPF InvestEU, Apoio ao Turismo +Sustentável, Apoio à Atividade Empresarial I and II, and Conta Corrente +.
• Linhas BPF Apoio à Reconstrução (BPF Storm Recovery Lines) Emergency credit lines with public guarantee from Banco Português de Fomento totalling €1.5 billion for businesses affected by storm Kristin — Treasury (€500M) and Investment (€1B) lines with up to 80% autonomous guarantees.
• Moratória de Crédito (Credit Moratorium) Credit moratorium mechanism allowing suspension of loan instalment payments for families and businesses affected by storm Kristin, pursuant to Decree-Law 31-B/2026 (applicable for up to 90 days from 28 January 2026).
• Portal de Imóveis (Property Portal) Real estate portal (imoveis.caixacreditoleiria.pt) powered by IMO360 for property listings including buying, renting and virtual tours across the region; multilingual (PT/EN/FR/DE/ES).
• Conta Serviços Mínimos Bancários (Minimum Banking Services Account) Basic banking account providing essential banking services at reduced cost under the regulatory framework for minimum banking services (standard and simplified versions).

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core, flagship and minor.

• SIBS (Sociedade Interbancária de Serviços)coreTechnology or IntegrationSIBS provides the national payment infrastructure (MB WAY, Multibanco, SPIN) and the SIBS API Market platform for Open Banking compliance (PSD2). CCL participates in SIBS API Market for account information services, payment initiation, and fund confirmation APIs. SIBS also provides ESG reporting platform access. This is a foundational infrastructure partnership underpinning all digital payments and Open Banking capabilities.
• Banco Português de Fomento (BPF)flagshipStrategic or Co-development PartnerBPF is the Portuguese development bank managing public guarantee credit lines. CCL distributes multiple BPF products: BPF InvestEU (€3,555M global facility for sustainable investment, innovation, SMEs, mobility), Linha de Apoio ao Turismo + Sustentável (€50M for tourism sustainability), Apoio à Atividade Empresarial I and II, Conta Corrente +, and BPF Apoio à Reconstrução lines (€1.5B total for storm 'Kristin' recovery — €500M treasury, €1B investment). These are core to CCL's SME and corporate lending proposition.
• Sistema Nacional de Garantia MútuacoreStrategic or Co-development PartnerPartner in the management of BPF guarantee lines, particularly the Linha de Apoio ao Turismo + Sustentável managed jointly with BPF and Turismo de Portugal. Provides mutual guarantee instruments enabling SME access to credit with reduced collateral requirements.
• Turismo de PortugalcoreStrategic or Co-development PartnerCo-manages the Linha de Apoio ao Turismo + Sustentável (€50M facility) for tourism companies. CCL distributes this line to eligible tourism businesses in its operating region.
• Teatro José Lúcio da SilvaminorGTM or Marketing PartnerCultural partnership offering CCL customers a 20% discount on tickets at the Teatro José Lúcio da Silva. Part of the bank's civic and cultural sponsorship programme.
• D.Dinis, Business SchoolminorGTM or Marketing PartnerEducational partnership offering CCL business customers a 10% discount on all training programmes at D.Dinis Business School. Part of the bank's SME support and business development initiatives.

Scale indicators4 records

Recent moves10 records

Expansion highlights5 records

Emerging players

• Activobank: Digital-first retail bank brand of Millennium bcp. Represents the neobank competitive threat to traditional community banks like CCL, targeting the same retail/SME segments with mobile-first experience and lower-cost operating model.

Broad incumbents

• Banco CTT: Portuguese retail bank with national digital and physical presence, focused on individuals and SMEs. Comparable target customer segments and product set including current accounts, cards, mortgages, and personal lending, though with corporate ownership and broader national reach.
• Novo Banco: Major Portuguese universal bank with nationwide branch network. Directly competes for retail deposits, mortgage origination, and SME lending in CCL's territory, but with significantly larger scale, broader product range, and stronger digital capabilities.
• Banco BPI: Major Portuguese retail and commercial bank (CaixaBank subsidiary). Competes for retail and SME banking across Portugal including Leiria region. Comparable mortgage, personal, and SME lending products, with significantly larger scale and corporate backing.
• Banco Santander Totta: Portuguese subsidiary of Banco Santander, a major universal bank with nationwide branch network. Direct competitor in retail deposits, mortgages, and SME banking with comparable product set and digital channels at much larger scale.
• Bankinter: Spanish-owned retail bank operating in Portugal with focus on individuals and SMEs. Competes in mortgage, personal, and business lending with strong digital offering; relevant competitive benchmark for CCL's retail and SME segments.
• Caixa Geral de Depósitos (CGD): Largest Portuguese state-owned bank with comprehensive retail and SME banking nationwide. Comparable product set (deposits, mortgages, personal loans, insurance, cards) but at vastly larger scale; sets competitive benchmark on pricing and digital services for regional banks like CCL.

Direct peers

• Montepio Geral: Portuguese mutual savings institution (Caixa Económica Montepio Geral) operating nationwide. Similar cooperative/mutualist ownership model with retail banking, savings, credit, and insurance intermediation. Most directly comparable in terms of business model and target customer segments within Portuguese banking.
• Crédito Agrícola (Caixa Central de Crédito Agrícola Mútuo): National umbrella organization for the Crédito Agrícola group of which CCL is a member. Provides shared services, representation, and infrastructure for the network of Portuguese Caixas de Crédito Agrícola Mútuo. Closest comparable in mutual cooperative banking model and product set, though operating at national scale.

Regional players

• Caixa de Crédito Agrícola Mútuo do Algarve: Regional Portuguese mutual credit institution serving the Algarve region. Operates with the same Caixa de Crédito Agrícola Mútuo legal form and product set (deposits, mortgages, personal/auto credit, insurance) but in a different geography. Direct structural peer demonstrating the regional cooperative model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Subsidiaries1 record

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 Caixa De Credito De Leiria