Banca Macerata

What Banca Macerata does

Banca Macerata S.p.A. is an Italian retail and commercial bank headquartered in Macerata, operating as a publicly traded S.p.A. with shares listed on the Vorvel market and serving individual (Privati) and business (Imprese) customers across the Macerata region. The bank's product architecture spans seven core current accounts (including ioConto, Conto Zero, Conto Famiglia, Conto Azionisti, Conto Titoli for individuals and Conto Professionisti, Conto Aziende for businesses), a full lending suite (Mutuo Green and traditional mortgages, Prestito Ripresa, Prestito 48, Prestipay), payment card and mobile payment products (debit, credit, prepaid, Apple/Google/Samsung Pay), investment and wealth services (Fondi e Sicav, Gestioni Patrimoniali, Certificati di Deposito, Trading Online, ioINVESTO), supplementary pensions, and insurance distribution through partnerships with Groupama and Assimoco.

Technically, Banca Macerata runs its digital banking layer on the InBank platform provided by Phoenix SpA, available via web, iOS, and Android (InBank and InBank Notify apps). Its PSD2-compliant TPP (Third Party Provider) interface is delivered through the CBI Globe Global Open Banking Ecosystem, providing standardized API access for Account Information Service Providers and Payment Initiation Service Providers, plus a sandbox for testing. Commercial customers are served through SmartPos acquiring, short- and medium-term financing, and corporate cards.

Revenue mechanics follow standard Italian retail and commercial banking: net interest income on deposits, mortgages, and business loans; fee and commission income from asset management, trading, insurance distribution, and payment services; and merchant acquiring fees. The bank monetizes through segmented offerings (eight named account products, tiered loan products) rather than disclosed public pricing; specific pricing tiers are not publicly disclosed. Distribution combines physical branches with InBank digital channels and BPrM financial advisory offices, supported by community engagement including financial education for 200+ students annually and Musicultura festival sponsorships. The bank is regulated by Banca d'Italia and lists on the Vorvel market (Azioni Banca Macerata).

Name

Banca Macerata

Legal name

Banca Macerata S.p.A.

Website

https://bancamacerata.it

Company type

Public

Founded year

2006

Operating status

Operating

Headcount range

101–250 employees

Short description

Banca Macerata is an Italian retail and commercial bank headquartered in Macerata, offering current accounts, mortgages, loans, investments, insurance distribution, and digital banking to individuals and businesses in the Macerata region through branches and the InBank platform.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industries

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Cooperative banking
• Mortgage lending
• Commercial banking
• Wealth management

Headquarters

HQ city

Macerata

HQ country

Italy

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Distribution channels4 records

Marketing channels5 records

Core offering

Banca Macerata is an Italian cooperative bank providing retail and commercial banking services to individuals (Privati) and businesses (Imprese) in the Macerata region. Its offerings include current accounts, mortgages (including a green mortgage), personal loans, credit/debit/prepaid cards, investment products (trading, funds, securities, deposit certificates), insurance distribution, supplementary pension plans, safe deposit boxes, and merchant POS services, all delivered through a physical branch network and the InBank digital banking platform.

Product overview

Banca Macerata is a traditional Italian bank offering a comprehensive portfolio of banking products organized into two main segments: Privati (personal banking) and Imprese (business banking). The product architecture consists of core current account products (ioConto, Conto Ripresa, Conto Azionisti, Conto Famiglia, Conto Titoli, Conto Zero for individuals; Conto Professionisti and Conto Aziende for businesses) supplemented by add-on modules including loans and mortgages (Mutuo Green, Mutuo Ipotecario, Prestito Ripresa, Prestito 48, Prestipay), payment cards (Carte di Credito, Carta di Debito, Carte Prepagate, Mobile Payment), investment services (Trading Online, Fondi e Sicav, Gestioni Patrimoniali, Certificati Deposito), insurance products (Polizze Assicurative, Previdenza Integrativa), and utility services (SmartPos for merchants, Telepass, Cassette di Sicurezza). The digital-first products ioConto and ioINVESTO represent the bank's online banking and investment offerings.

Differentiator

Problem solved

Functional benefit

Brands

• ioINVESTO: Investment deposits product for private customers
• ioCONTO
• Conto Ripresa
• Conto Azionisti
• Conto Famiglia
• Conto Titoli
• Conto Zero
• Prestito Ripresa
• Prestito 48
• Prestipay
• Mutuo Green
• SmartPos

Products and services

• ioConto Digital current account offering online banking services for personal customers, accessible via web and the InBank mobile applications.
• Conto Ripresa Current account product for personal banking needs.
• Conto Azionisti Current account specifically for bank shareholders of the cooperative.
• Conto Famiglia Family-oriented current account with features tailored for household financial management.
• Conto Titoli Securities account for managing investments in stocks, bonds, and other financial instruments.
• Conto Zero Zero-fee current account option for cost-conscious customers.
• Mutuo Green Eco-friendly mortgage product with favorable terms for energy-efficient or sustainable property purchases.
• Mutuo Ipotecario per Acquisto Abitazione Traditional mortgage product for purchasing residential property.
• Prestito Ripresa Personal loan product for financing personal projects or needs.
• Prestito 48 Personal loan with 48-month repayment term.
• Prestipay Payday or short-term loan product.
• Carte di Credito Credit card products for personal and business customers.
• Carta di Debito Debit card linked to current account for withdrawals and payments.
• Carte Prepagate Prepaid card products with preloaded funds.
• Mobile Payment Mobile payment services including digital wallet integration for contactless payments.
• Trading Online Online trading platform for securities, stocks, funds, and other financial instruments.
• Fondi e Sicav Investment funds and SICAV (collective investment schemes) for wealth management.
• Gestioni Patrimoniali Discretionary portfolio management services managed by the bank's investment professionals.
• Certificati Deposito Deposit certificates offering fixed returns with guaranteed principal.
• ioINVESTO Digital investment platform for online deposits and investment products aimed at private customers.
• Polizze Assicurative (Groupama) Insurance products (auto, property and casualty) distributed by Banca Macerata on behalf of Groupama Assicurazioni through the branch network.
• Polizze Assicurative (Assimoco) Life and non-life insurance products distributed by Banca Macerata on behalf of Assimoco.
• Previdenza Integrativa Supplementary pension and retirement planning products.
• Cassette di Sicurezza Safe deposit boxes for secure storage of valuables and documents.
• Telepass Highway toll payment device and mobility service offered to retail customers.
• Conto Professionisti Current account tailored for self-employed professionals and freelancers.
• Conto Aziende Business current account for small and medium enterprises.
• SmartPos Point-of-sale (POS) payment solution for business customers to accept card payments.
• Finanziamenti a Breve Termine Short-term business financing products for corporate and SME clients.
• Finanziamenti a Medio/Lungo Termine Medium- and long-term business financing products, including a dedicated green condominium financing option for sustainable real estate projects.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• InBank (Phoenix SpA)coreTechnology or IntegrationInBank provides the digital banking platform infrastructure for Banca Macerata, including the online banking portal (inbank.it) and mobile applications. The partnership enables PSD2-compliant open banking interfaces through the CBI Globe platform, allowing third-party provider access and API connectivity for payment services.
• Groupama AssicurazionicoreChannel Partner/ Reseller/ DistributorBanca Macerata distributes Groupama insurance products through its branch network under a libre collaborazione agreement (Article 22, D.L. 179/2012). The partnership covers auto insurance and other property/casualty insurance products, with the Groupama agency located in Macerata handling claims and customer service for joint accounts.
• AssimocominorChannel Partner/ Reseller/ DistributorBanca Macerata distributes Assimoco insurance products including life and non-life insurance offerings, with commission tables provided to customers for transparency on distribution compensation.
• CBI Globe (Global Open Banking Ecosystem)coreTechnology or IntegrationCBI Globe provides the technical infrastructure for Banca Macerata's PSD2 compliance, offering a dedicated interface for Third Party Providers to access account information and payment initiation services in compliance with EU Payment Services Directive 2.

Recent moves6 records

Expansion highlights5 records

Direct peers

• Iccrea Banca: Holding company of the Iccrea Banking Group, the other major Italian cooperative banking consortium. Directly comparable as a competing BCC network entity providing infrastructure, funding, and central services to cooperative member banks.
• Banca Mediolanum: Italian retail bank with strong bancassurance distribution and wealth management offering. Comparable in customer-segment focus (households and individuals) and fee-income emphasis from insurance and investment products.
• Banca Popolare di Sondrio: Italian cooperative-popular bank serving retail and SME customers with similar territorial banking model. Strong overlap in deposit gathering, mortgage lending, and small-business banking in regional Italian markets.
• Credito Emiliano (Credem): Mid-sized Italian retail and business bank with regional roots and a similar full-service product architecture (accounts, mortgages, investments, insurance distribution). Comparable in scale and customer-segment approach, making it the closest publicly-listed Italian regional banking peer.
• Cassa Centrale Banca: Cooperative banking group (parent of Credito Cooperativo network) representing the Italian BCC institutional framework. Highly comparable given Banca Macerata's BCC origins and the group's role in serving cooperative bank members.
• Banca Sella: Italian family-owned bank with retail, business, and wealth management offerings plus meaningful fintech subsidiary (Hype). Comparable product suite and Italian regional focus, with more pronounced digital/innovation orientation.
• Credito Valtellinese (Creval, now part of Crédit Agricole): Regional Italian bank with traditional retail, SME, and private banking focus, recently acquired by Crédit Agricole. Highly comparable pre-acquisition profile to Banca Macerata as a regional Italian community bank.

Emerging players

• Illimity Bank: Italian digital-native commercial bank serving SMEs and retail customers with a fully online platform. Emerging competitive threat in the digital banking and SME financing segments where Banca Macerata also operates.

Broad incumbents

• Banco BPM: Top-five Italian commercial bank with extensive retail and business banking operations. Comparable in product breadth (accounts, mortgages, cards, investments, insurance) but operating at materially larger national scale.
• BPER Banca: Larger Italian regional banking group serving retail and SME customers across multiple regions. Direct overlap in commercial banking, mortgages, and SME financing, with broader geographic footprint and product scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/BancaMacerata

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 Macerata