Banca Prealpi SanBiagio

What Banca Prealpi SanBiagio does

Banca Prealpi SanBiagio Credito Cooperativo - Società Cooperativa is a private Italian cooperative bank headquartered in Tarzo, in the province of Treviso (Veneto region), with a secondary location in Fossalta di Portogruaro (province of Venice). The bank operates as an affiliate of Gruppo Cassa Centrale Banca, Italy's largest cooperative banking group, and is governed as a mutual institution serving three customer sets: individuals (Privati), small and medium enterprises including agribusiness (Imprese), and member-shareholders (Soci) with participation rights.

Its commercial offering covers the standard full-service retail and SMB banking suite: current accounts, mortgages (Mutuo Casa), personal loans (Prestipay), credit cards through a partnership with Nexi, insurance distribution (including AsSìHome property cover), wealth management and ethical investment products (notably the NEF Ethical Step to Balanced 2030 fund), POS merchant acquiring, and specialised services for accessing Italian government PNRR funding. Underlying technology relies on the InBank digital banking platform for web and mobile channels, dual advanced electronic signature flows (FEA Grafometrica in-branch, FEA OTP for remote signing), PSD2 Open Banking APIs, and a Whistleblowing compliance platform operated by group-level ICT provider Allitude S.p.A. The bank holds an "Investor relations" page on its website, indicating at least some capital-markets communication discipline despite being unlisted.

The business model is the classic cooperative-bank revenue mix of net interest income (lending minus deposit funding) plus transaction fees from cards, insurance distribution, investment product placement, and merchant services. Distribution is hybrid - a physical branch network (Filiali) in the Veneto territory for personalised relationship banking complemented by the self-service InBank digital channel. The bank monetises scale efficiencies and technology through group-level platforms rather than building proprietary infrastructure, allowing it to focus resources on customer-facing credit decisions and territorial engagement initiatives such as the "A Buon Rendere" financial education programme and the Bando Grest e Centri Estivi community grant programme.

Name

Banca Prealpi SanBiagio

Legal name

Banca Prealpi SanBiagio Credito Cooperativo - Società Cooperativa

Website

https://bancaprealpisanbiagio.it

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

251–500 employees

Short description

Banca Prealpi SanBiagio is an Italian cooperative bank (Credito Cooperativo) in Veneto serving retail customers, SMEs, and member shareholders with accounts, lending, cards, insurance, investments, and digital banking within the Gruppo Cassa Centrale network.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

Keywords

• Retail banking services
• Cooperative banking
• Mortgage lending
• Digital banking
• Investment funds

Headquarters

HQ city

Tarzo

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Retail Banking Services: Traditional cooperative banking revenue including interest income from lending (mortgages, personal loans), fee income from account services, card services, and insurance products. Operates as part of Gruppo Cassa Centrale.
2. Investment Products Distribution: Distribution of investment funds, ethical investments (NEF Ethical Step to Balanced 2030), wealth management products, and pension products to retail and business customers.
3. Insurance Products: Distribution of insurance products including property insurance (AsSihome), life insurance, and other protection products through partnership agreements.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Banca Prealpi SanBiagio is an Italian cooperative bank (Credito Cooperativo) that provides retail and business banking products including current accounts, mortgages, personal loans, credit cards, insurance, and investment funds. It operates as an affiliated member of Gruppo Cassa Centrale Banca, distributing its products through a branch network across the Veneto region supplemented by the InBank digital banking platform and advanced electronic signature services (FEA Grafometrica and FEA OTP).

Product overview

Banca Prealpi SanBiagio is a cooperative bank (Credito Cooperativo) operating within the Gruppo Cassa Centrale, offering a comprehensive range of banking products and services. Its core offerings include the InBank digital banking platform for online and mobile banking, various loan products (Mutuo Casa mortgages, Prestipay personal loans), payment cards through Nexi partnership, insurance products including AsSìHome property coverage, and ethical investment products. The bank also provides digital services including FEA Grafometrica and FEA OTP electronic signature solutions, a Whistleblowing compliance platform, POS terminals for merchants, and specialized services for businesses including PNRR government program support and agribusiness financing. The bank emphasizes financial education through its 'A Buon Rendere' initiative and ESG-focused products like the NEF Ethical Step to Balanced 2030 investment fund.

Differentiator

Problem solved

Functional benefit

Brands

• Inbank: Digital banking platform allowing customers to access banking services online

Products and services

• InBank Digital Banking Platform Online and mobile banking platform allowing customers to access accounts, manage finances, sign documents digitally, and consult transaction history.
• Nexi Credit Cards Credit card services offered through partnership with Nexi, providing convenient, reliable payment cards suitable for everyday purchases for retail customers.
• Mutuo Casa Mortgage product for financing the purchase, construction, or renovation of residential property, offered to private individuals.
• Prestipay Personal loan product for private individuals.
• AsSìHome Insurance Property and home insurance product protecting customers' homes and belongings.
• Conto Amica 2026 Current account with promotional offerings, featuring the 2026 campaign dedicated to women for both private individuals and businesses.
• NEF Ethical Step to Balanced 2030 Ethical investment fund with gradual balanced approach targeting the year 2030, aligned with ESG principles.
• POS Terminals Point of sale terminal services for businesses to accept card payments.
• PNRR Services Services related to Italy's National Recovery and Resilience Plan (Piano Nazionale di Ripresa e Resilienza) for businesses.
• Agribusiness Lending Specialized financing and services for agricultural businesses in the territory.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• Gruppo Cassa CentralecoreStrategic or Co-development PartnerBanca Prealpi SanBiagio is an affiliated member of Gruppo Cassa Centrale, Italy's largest cooperative banking group. The group provides centralized services including technology platforms, brand marketing, compliance, and strategic direction. The bank participates in shared communication campaigns like the ESG initiative 'Oggi si dice ESG. Per noi è fare la cosa giusta. Da sempre.'
• Allitude S.p.A.coreTechnology or IntegrationAllitude S.p.A. is the technology partner providing the Whistleblowing platform used by the bank for internal compliance reporting. Allitude is a subsidiary of Cassa Centrale Banca with registered office in Trentino and provides ICT administrative services to the banking group.
• Cassa Centrale Banca - Credito Cooperativo Italiano S.p.A.coreStrategic or Co-development PartnerThe parent bank of Gruppo Cassa Centrale that coordinates the banking group's activities, provides technology infrastructure, and manages brand and communication strategies for member cooperatives like Banca Prealpi SanBiagio.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Banca Mediocredito del Friuli-Venezia Giulia: Banca Mediocredito del Friuli-Venezia Giulia is a regional Italian bank specializing in SME and corporate financing in FVG, geographically adjacent to Banca Prealpi SanBiagio's Veneto territory. Comparable in serving Northern Italian regional SMEs with similar product breadth in lending and business banking.
• Iccrea Banca S.p.A. Iccrea Banca is the holding company of Italy's other major cooperative banking consortium, Iccrea Banca Group, which gathers numerous BCC member banks nationwide. It is the most directly comparable peer to Banca Prealpi SanBiagio given that both operate the Italian 'Credito Cooperativo' member-owned model through affiliated BCC banks, providing centralized technology, capital, and compliance services to member banks serving retail and SME customers.
• Banca Sella Holding S.p.A. Banca Sella is one of Italy's main cooperative banking groups providing retail, business, and wealth management services across multiple Italian regions. Comparable to Banca Prealpi SanBiagio as an Italian cooperative-rooted bank delivering a broad retail and SME product suite to individuals and businesses.
• Cassa Padana BCC: Cassa Padana is an Italian cooperative bank (Credito Cooperativo) operating in the Po Valley region with a similar member-owned banking model. It is comparable as a peer BCC providing retail and SME banking, mortgages, and digital banking to a territorially anchored customer base.

Broad incumbents

• UniCredit S.p.A. UniCredit is one of Europe's largest banking groups with a major Italian retail and corporate franchise. Comparable to Banca Prealpi SanBiagio in the same Italian retail and corporate banking market, operating at substantially greater scale across the same customer segments.
• BPER Banca S.p.A. BPER Banca is a major Italian retail and corporate bank with strong regional presence across northern and central Italy. Comparable to Banca Prealpi SanBiagio as a regional Italian bank serving individuals and SMEs with similar product breadth, though at much greater scale.
• Intesa Sanpaolo S.p.A. Intesa Sanpaolo is Italy's largest banking group offering full retail, corporate, and wealth management services nationwide. Comparable to Banca Prealpi SanBiagio as the dominant incumbent in the same retail banking space, with strong Veneto/northern Italy presence that directly overlaps the bank's territory.
• Banco BPM S.p.A. Banco BPM is a major Italian retail and corporate bank particularly concentrated in northern Italy, including the Veneto region. Highly comparable as a market-overlapping incumbent competing for the same retail and SME customers in Banca Prealpi SanBiagio's footprint.
• Banca Monte dei Paschi di Siena S.p.A. Banca Monte dei Paschi di Siena is one of Italy's largest and oldest banks with nationwide retail and corporate banking operations. Comparable to Banca Prealpi SanBiagio as a much broader incumbent operating in the same Italian retail and SME banking category, with overlapping product range but vastly greater scale.

Emerging players

• Illimity Bank S.p.A. Illimity Bank is an Italian digital-native challenger bank specializing in SME and corporate banking. Comparable to Banca Prealpi SanBiagio in the Italian SME/business banking segment but with a fundamentally different tech-first operating model that targets the same underserved borrowers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/banca-prealpi-sanbiagio

Compliance4 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 Prealpi SanBiagio