Banca Delle Terre Venete

What Banca Delle Terre Venete does

Banca Delle Terre Venete Credito Cooperativo is a mutual Italian cooperative bank (Banca di Credito Cooperativo) operating under the Gruppo BCC Iccrea umbrella, headquartered in Vicenza with a legal seat in Vedelago (Treviso). It serves retail customers (Privati e famiglie), small and mid-sized businesses, professionals, associations, agribusiness, and youth segments across Veneto, through a distribution network of 56 physical branches and a digital channel anchored on the RelaxBanking web and mobile platform. It is supervised by Banca d'Italia and IVASS, registered in Albo Banche 2489.30 and Albo Società Cooperative A164241, and structured as a member-owned cooperative where deposits and profits are reinvested locally.

The bank's product portfolio spans the full retail and SMB banking stack: current accounts (Conto Di Più), the CartaBCC card family (Credit, Credit Plus, Debit, Green, Prepaid, Corporate, Impresa, Minerva, Debit Business), payment-acceptance infrastructure (SmartPOS Connect, POS Mini, Satispay Business, Pay by App, PayWay, PayWay Mail, Instant Payment), ESG-linked lending (Mutui ESG, Finanziamento Mobilita ESG, Leasing Strumentale Fotovoltaico, Decarbonizzazione), insurance products distributed via BCC Vita and Cassa Mutua VitaPiù, and investment products distributed via partnerships with J.P. Morgan Asset Management, UBS, and Fidelity. The proprietary digital layer is limited to the user-facing RelaxBanking app, while core technology — open-banking APIs, payment rails, and card-issuing — is provided at group level via CBI Globe (PSD2 TPP interface) and Numia S.p.A. Recent product cadence (2025-2026) shows clear emphasis on ESG financing, bancassurance, and merchant payment services.

Revenue is generated through traditional banking streams: net interest income on loans and mortgages (anchored by the €20M Sostegno Attivo Impresa plafond for businesses), fee and commission income on accounts and payments, recurring premiums on insurance products, and transaction-based distribution fees on third-party investment funds. The go-to-market is branch-led relationship banking supplemented by digital self-service, a Soci loyalty program (BCC Soci 4th edition, €151,832 prize pool), and community-engagement marketing (scholarships, cultural events, environmental crowdfunding with 30% matching). The bank is not publicly traded, does not disclose financial statements in the source data, and has no disclosed funding rounds, M&A, or AI/ML capability.

Name

Banca Delle Terre Venete

Legal name

BANCA DELLE TERRE VENETE CREDITO COOPERATIVO

Website

https://bancaterrevenete.it

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

251–500 employees

Short description

Banca Delle Terre Venete is an Italian cooperative bank (BCC) within Gruppo BCC Iccrea, serving retail, SMB, professional, association, agribusiness, and youth segments across 56 branches in Veneto via accounts, cards, loans, insurance, investments, and merchant payment services.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211), Credit Unions (522130)

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industries

Digital Banking & Neobank Platforms (BPAMAFAD), Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM)

Keywords

• Cooperative banking
• Retail banking services
• Business financing
• Digital banking
• Bancassurance products

Headquarters

HQ city

Vicenza

HQ country

Italy

HQ region

Europe

Offices4 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: Core banking revenue from interest rate spreads on loans, mortgages, and credit facilities extended to retail and business customers. Includes the 20 million euro Sostegno Attivo Impresa plafond for business financing.
2. Fee and Commission Income: Account maintenance fees, transaction fees, payment services, and commissions on various banking products and services.
3. Insurance Products: Bancassurance offerings including life insurance (BCC Vita products), auto insurance, home insurance, accident coverage, and health protection products through partnerships with insurance providers.
4. Investment Products and Asset Management: Distribution of investment funds, wealth management products, and financial advisory services through partnerships with major asset managers including J.P. Morgan, UBS, and Fidelity.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Banca Delle Terre Venete is a cooperative bank (Banca di Credito Cooperativo) providing retail and business banking services through 56 branches across the Veneto region. Its core offering includes current accounts, lending products (personal loans, mortgages, business financing), payment cards (CartaBCC family), POS and digital payment solutions, investment and asset management products, bancassurance, and ESG-focused financing. Digital banking is delivered through the RelaxBanking platform, with member benefits provided via the BCC Soci loyalty program.

Product overview

Banca delle Terre Venete is a cooperative bank (Banca di Credito Cooperativo) belonging to Gruppo BCC Iccrea, offering a comprehensive suite of banking and financial products through its network of 56 branches. The bank's product portfolio centers on RelaxBanking as its digital banking platform, complemented by the CartaBCC card family (Credit, Credit Plus, Debit, Green, Prepaid, Corporate, Impresa, Minerva, Debit Business), various POS and payment solutions (SmartPOS Connect, POS Mini, Satispay Business, Pay by App, PayWay, PayWay Mail, Instant Payment), and ESG-focused financing products (Mutui ESG, Finanziamento Mobilita ESG, Leasing Fotovoltaico, Decarbonizzazione). The bank also provides investment products (Investiper funds, PIR products, Gestioni Patrimoniali, insurance investments like BCC Vita), protection insurance (Auto Protetta, Casa Protetta, Infortuni Protetti, Salute Più Protetta, Praesidium 2.0), and supports local communities through programs like GreenFunding and BCC Soci loyalty program.

Differentiator

Problem solved

Functional benefit

Brands

• RelaxBanking: Digital banking platform for online and mobile banking services
• BCC Soci
• Crediper
• Greenfunding
• BCC Energia
• CartaBCC

Products and services

• RelaxBanking Digital banking platform accessible via web and mobile app, providing customers with 24/7 account management, payments, transfers, and service access. Available on Google Play and Apple App Store.
• CartaBCC Credit (and Credit Plus VISA) Personal credit cards (Credit and Credit Plus VISA variants) for everyday purchases including online transactions, with promotional offers such as free first year. The Plus variant is targeted at higher spending needs with enhanced limits and benefits.
• CartaBCC Debit Mastercard Debit card for everyday banking needs, linked directly to the customer's current account.
• CartaBCC Green Sustainable debit card promoting environmental consciousness, part of the bank's ESG offerings.
• CartaBCC Prepaid Reloadable prepaid card for budget management, suitable for teenagers and young adults.
• CartaBCC Corporate Credit card designed for large enterprises and public entities with corporate spending management needs.
• CartaBCC Impresa Credit card tailored for small businesses and freelancers with business expense management.
• CartaBCC Minerva Exclusive premium card offering dedicated services and advantages for high-value customers.

Quantifiable outcome

• 20 million euro financing facility for businesses facing rising operational costs
• +3 more outcomes

Named customers4 records

Segments1 record

Ideal customer profiles4 records

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature2 records

Partnerships

18 partnerships are on record, tiered core, major and minor.

• CAF Acli, CAF CIA, CAF ColdiretticoreChannel Partner/ Reseller/ Distributor · 11 March 2026Annual convention renewed for 2026 with tax assistance services through CAF organizations in provinces of Vicenza, Treviso, Verona, Padova, Rovigo, and Venezia. Special Card 2026 provides preferential rates for Soci and customers.
• BCC Energia (Dolomiti Energia S.p.A.)coreStrategic or Co-development Partner · 13 March 2025Banca delle Terre Venete participates in BCC Energia consortium for energy services. Dolomiti Energia S.p.A. provides Formula Casa (residential) and Formula Azienda (business) energy supply contracts at competitive rates using 100% certified renewable energy. Partnership aims to reduce costs and support green transition.
• CBI GlobecoreTechnology or IntegrationCBI Globe is the open banking platform enabling PSD2-compliant interfaces for third-party payment service providers. Gruppo BCC Iccrea participates through CBI Globe for API access to account information and payment services.
• SatispaycoreTechnology or IntegrationSatispay Business partnership provides mobile payment acceptance for merchants. No subscription fees, no registration costs, 1% fee on transactions. Integrated with POS terminals for seamless payment processing.
• BCC VitacoreChannel Partner/ Reseller/ DistributorLife insurance products distributed through the bank including BCC Vita Level Plus, BCC Vita Level Soci, and BCC Vita Unica Evolution No Load. Bancassurance partnership for investment and protection products.
• J.P. Morgan Asset ManagementmajorChannel Partner/ Reseller/ DistributorJ.P. Morgan products distributed including Active Asset Allocation, Bilanciato Target 2030. Fund management services through the bank's investment platform.
• UBSmajorChannel Partner/ Reseller/ DistributorUBS products distributed including All Seasons multi-asset portfolio, Orizzonte 2032 with guarantee, and Strategia Rendimento. Investment solutions for various risk profiles.
• FidelitymajorChannel Partner/ Reseller/ DistributorFidelity GMAT 50 product distributed through the bank. One-stop investment solution providing diversified portfolio management.
• Cassa Mutua VitaPiùminorStrategic or Co-development PartnerMutual health insurance provider offering supplementary health coverage for members. Partnership provides health protection products accessible to Soci and customers.
• Numia S.p.A.coreTechnology or IntegrationTechnology partner providing CartaBCC card products (debit, credit, prepaid), POS terminals (SmartPOS Connect, POS Mini), and digital payment services. Emits electronic money and provides payment infrastructure.
• Ginger CrowdfundingcoreStrategic or Co-development PartnerGreenFunding environmental crowdfunding initiative. Ginger provides campaign management support, helping associations develop and promote successful crowdfunding campaigns for environmental projects. Bank provides 30% matching up to 5,000 euros.
• Teatro Comunale di VicenzaminorGTM or Marketing Partner15% discount on theater tickets and subscriptions for Soci and customers. Cultural partnership supporting arts in the community.
• MondadoriminorGTM or Marketing PartnerOver 75% discount on magazine subscriptions through dedicated link. Marketing partnership providing exclusive offers to bank customers.
• Orchestra Sinfonica del VenetominorGTM or Marketing PartnerGalà Lirico d'Estate musical event partnership. Orchestra performs at annual member event at Villa Cordellina Lombardi, celebrating cooperative values and community.
• Provincia di VicenzaminorGTM or Marketing PartnerCollaboration on Galà Lirico d'Estate event celebrating 80th anniversary of Italian Republic. Joint initiative supporting cultural activities in the territory.
• Banca San Francesco Credito CooperativocoreStrategic or Co-development PartnerJoint initiative with Banca San Francesco for Premio Donna BCC award recognizing female talent. Both banks belong to Gruppo BCC Iccrea, combining efforts for gender equality recognition across Veneto and Sicily.
• iDEE - Associazione delle Donne del Credito CooperativominorStrategic or Co-development PartnerAssociation of Women in Cooperative Banking providing patronage for Premio Donna BCC initiative. Partnership supports female empowerment and recognition in banking sector.
• Federazione Siciliana BCCminorGTM or Marketing PartnerSicilian Federation of BCC banks co-sponsoring Premio Donna BCC final event in Agrigento, creating North-South collaboration on gender equality initiative.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• BPER Banca: Mid-large Italian listed bank with strong regional franchise in northern and central Italy, including Veneto. Competes for the same SME and retail customers with broader branch network, capital markets access, and a wider product suite.
• UniCredit: Major pan-European bank with a significant Italian retail and corporate franchise, including Veneto. Competes for SME lending, mortgages, and corporate banking with substantially larger balance sheet and digital investment capacity.
• Intesa Sanpaolo: Italy's largest banking group, dominant in retail, SME, and corporate banking with nationwide branches including Veneto. Overlaps with BTV on every product line and is the primary incumbent competitor for local businesses and households.
• Banca Mediolanum: Italian bank with a hybrid digital plus financial-advisor model, strong in investment, savings, and protection products. Competes with BTV for retail wealth and bancassurance customers, particularly in northern Italy.
• Crédit Agricole Italia: Italian subsidiary of Crédit Agricole group, with strong presence in northern Italy and a focus on retail, SME, and private banking. Direct competitor for BTV's wealthier retail and small business segments in Veneto.

Others

• Iccrea Banca: Central institution and parent of Gruppo BCC Iccrea, of which Banca delle Terre Venete is a member. Provides shared services, capital, and platforms; comparable as the group-level counterparty but not a direct competitor for end customers.

Regional players

• Banca Sella: Privately held Italian bank headquartered in Piedmont with strong fintech and acquiring capabilities (Sella Pay). Comparable as a regional, privately held institution with both traditional and digital channels, focused on SMEs and retail.

Emerging players

• Cherry Bank: Italian challenger bank offering digital retail and SME banking. Competes with BTV for younger retail and small business customers, particularly on digital experience and pricing transparency.
• Illimity Bank: Italian digital-native bank focused on SME lending, distressed credit, and digital banking. Represents the new-wave competitor targeting BTV's SME and corporate customers with technology-led offerings and faster credit processes.

Direct peers

• Cassa Centrale Banca – Credito Cooperativo Italiano: Central institution of the largest competing Italian cooperative banking group (Raiffeisen/Cassa Centrale), serving hundreds of BCCs with similar member-owned, territory-focused banking model. Directly comparable on business model, product breadth, and target customer (retail + SME).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCBn8AT-ImBPtD0zc4dSpgaQ
• Facebookfacebook.com/bancaterrevenete
• LinkedInlinkedin.com/company/6030800/admin
• Instagraminstagram.com/gruppo_bcc_iccrea

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Banca Delle Terre Venete