Banca Annia

What Banca Annia does

Banca Annia is a cooperative bank (Banca di Credito Cooperativo, operating as Banca di Credito Cooperativo di Venezia, Padova e Rovigo - Banca Annia Società Cooperativa) founded in 1959 and headquartered in Cartura, in the Veneto region of Italy. The bank serves retail and small business customers across the provinces of Venezia, Padova, and Rovigo through a hybrid model of physical branch network and digital channels, and is a member of Gruppo Bancario Cooperativo Iccrea, Italy's largest cooperative banking group under the direction and coordination of Iccrea Banca S.p.A.

The bank's core offering spans current accounts (Conti Correnti), debit and credit cards (Carte di Debito e di Credito) issued by Numia S.p.A., insurance and pension products (Assicurazioni e Previdenza) including the Casa Protetta multi-risk home insurance developed by BCC Assicurazioni, investment and savings products (Investimenti e Risparmio) under MiFID, and loans and mortgages (Finanziamenti e Mutui) including the Promo Zero Mutuo Spread variable-rate mortgage and Crediper consumer financing. Its digital infrastructure centers on the RelaxBanking platform for online and mobile banking, supplemented by PSD2-compliant open banking participation via the CBI Globe ecosystem since June 2019. Distribution is multi-channel: branches, ATMs/self-service terminals (Casse Self Assistite), phone support, and online appointment booking.

Banca Annia's revenue model is built on traditional banking income streams — net interest income from lending (mortgages, commercial credit, consumer loans) and fee/commission income from account services, payment cards, insurance distribution, and investment services — with pricing subject to creditworthiness assessment. The bank differentiates through its cooperative member model, allocating over €900,000 in 2024 to local associations and operating exclusive member programs (Tessera Socio Digitale, In viaggio con i Soci travel program, reserved member area). In 2024 the bank disbursed 800 mortgage loans totaling €106 million and has extended €1.345 billion in credit over the past 8 years to support the local economy, with customer segmentation spanning Famiglie (families), Giovani (young people), Imprese (businesses), and Soci (cooperative members).

Name

Banca Annia

Legal name

Banca di Credito Cooperativo di Venezia, Padova e Rovigo - Banca Annia Società Cooperativa

Website

https://bancaannia.it

Company type

Private

Founded year

1959

Operating status

Operating

Headcount range

101–250 employees

Short description

Banca Annia is a cooperative bank founded in 1959 serving retail and SME customers in Italy's Veneto region (Venezia, Padova, Rovigo). As a member of Gruppo BCC Iccrea, it provides current accounts, mortgages, insurance, and digital banking (RelaxBanking) under a cooperative member-owner model.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Commercial Banking (52211), Credit Unions (522130)

SIC

State Commercial Banks (6022), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)

akta.pro secondary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Cooperative banking
• Retail banking services
• Mortgage lending
• Consumer loans
• Digital banking

Headquarters

HQ city

Cartura

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, Others

Revenue model

1. Interest Income: Traditional banking revenue from interest spread on loans and mortgages, including residential mortgages (Mutui Prima Casa, Seconda Casa), commercial lending, and other credit facilities
2. Fee and Commission Income: Income from banking services including account maintenance fees, payment services, card transactions, investment services, and insurance product distribution
3. Insurance Distribution: Commission income from distributing insurance products including Casa Protetta multi-risk home insurance developed by BCC Assicurazioni

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Banca Annia is an Italian cooperative bank (Banca di Credito Cooperativo) that delivers retail and commercial banking services to individuals, families, young people, businesses, and cooperative members in the Veneto region. Its core offerings include current accounts, debit and credit cards, residential mortgages and consumer/business loans, insurance products (multi-risk home coverage), investment and savings services, and digital banking through the RelaxBanking platform. As a member of Gruppo BCC Iccrea, it also distributes group-level consumer financing (Crediper), payment cards issued by Numia S.p.A., and operates a PSD2 open banking interface via the CBI Globe platform.

Product overview

Banca Annia is a cooperative bank (Banca di Credito Cooperativo) belonging to the Gruppo Bancario Cooperativo Iccrea. Its product portfolio spans core retail banking offerings organized by customer segment (Famiglie/Familes, Giovani/Youth, Imprese/Businesses, Soci/Members) and product category (Conti Correnti, Carte, Assicurazioni, Digital Banking, Investimenti, Finanziamenti). Key branded products include: RelaxBanking (digital banking platform), Zero Mutuo Spread (zero-spread variable mortgage), Casa Protetta (BCC Assicurazioni multi-risk home insurance), Crediper (Gruppo BCC consumer financing), Leasing Targato Pesante (commercial vehicle leasing), Crowdfunding (territory support), and the Area Riservata Soci (digital membership area). The bank also distributes payment cards issued by Numia S.p.A. (Bancomat, MasterCard, VISA circuits; CartaBCC prepaid cards) and participates in PSD2 open banking via the CBI Globe platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Conti Correnti (Current Accounts) Current accounts for individuals, businesses, young customers, and cooperative members, available across Banca Annia's branch network and digital channels.
• Carte di Debito e di Credito (Debit and Credit Cards) Debit and credit cards issued by Numia S.p.A., including CartaBCC prepaid cards (Tasca, TascaConto, TascaBusiness) and major circuit cards (Bancomat, MasterCard, VISA), distributed to Banca Annia customers.
• Promo Zero Mutuo Spread (Zero-Spread Mortgage) Zero-spread variable-rate residential mortgage (Mutuo Prima Casa, Seconda Casa, and Ristrutturazione) for consumers, subject to creditworthiness assessment. Example: €170,000 over 300 months at TAN 2.35% variable, monthly payment €750.05, TAEG 2.5416%.
• Crediper (Personal and Business Loans) Consumer and business financing product line of Gruppo BCC Iccrea, distributed through BCC banks including Banca Annia. Includes personal loans (Prestito Premium Crediper) and business credit facilities.
• Casa Protetta (Multi-Risk Home Insurance) Multi-risk home insurance product developed by BCC Assicurazioni, covering homeowners, mortgagees, and tenants. Modular coverage includes fire, theft, civil liability, renewable energy systems, pet insurance, legal protection, and home/web assistance, with premium discounts for energy class A-B properties and certified home automation systems.
• Leasing Targato Pesante (Heavy Vehicle Leasing) Leasing product for industrial vehicles (heavy goods vehicles) targeted at businesses and transport operators. Through 31 July processing fees are halved and monthly direct debit costs are €2.
• RelaxBanking (Digital Banking Platform) Digital banking platform providing online and mobile access to current accounts, payments, card management, financial analysis planning tools, ISEE document retrieval, and other account services for individuals and businesses.
• Investimenti e Risparmio (Investments and Savings) Investment and savings products for individuals and businesses, including financial planning analysis tools, securities custody (dossier titoli), and MiFID investment services.
• Finanziamenti e Mutui (Loans and Mortgages) Loan and mortgage products for individuals and businesses, including the Promo Zero Mutuo Spread variable-rate mortgage (Prima Casa, Seconda Casa, renovations), Crediper personal loans, and other credit facilities.
• Banca Digitale e Servizi (Digital Banking Services) Digital banking services including the RelaxBanking platform, electronic payment services, electronic advanced signature (Firma Elettronica Avanzata), and digital onboarding services for individuals and businesses.
• Assicurazioni e Previdenza (Insurance and Pension Products) Insurance and pension products distributed through Banca Annia's branch and digital channels, including multi-risk home insurance (Casa Protetta) and other coverage.
• Crowdfunding Banca Annia Banca Annia's crowdfunding platform supporting local non-profit associations and community projects in its territory. The 2026 edition is the second run of the program.
• Area Riservata Soci (Reserved Member Area) Reserved digital area for cooperative members providing exclusive services, including a digital member card (Tessera Socio Digitale), assembly rights management, and access to the 'In viaggio con i Soci' travel program.

Quantifiable outcome

• 800 mortgage loans totaling €106,000,000 disbursed in 2024
• +2 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Gruppo Bancario Cooperativo IccreacoreStrategic or Co-development PartnerBanca Annia is a member cooperative bank of the Gruppo Bancario Cooperativo Iccrea, Italy's largest cooperative banking group. Iccrea Banca S.p.A. serves as the parent company providing direction and coordination. The group comprises over 100 Banche di Credito Cooperativo (BCC) banks serving communities throughout Italy.
• CBI GlobecoreTechnology or IntegrationCBI Globe is the Global Open Banking Ecosystem platform that provides the PSD2-compliant dedicated interface for Third-Party Providers (TPPs) to access account information and initiate payments. Banca Annia participates in this platform as part of Gruppo BCC Iccrea's unified open banking infrastructure.
• BCC AssicurazionicoreStrategic or Co-development PartnerBCC Assicurazioni S.p.A. develops insurance products distributed through BCC banks, including Casa Protetta multi-risk home insurance. The company is part of the Gruppo Assimoco and is subject to direction and coordination by Assimoco S.p.A.
• Numia S.p.A. (ex BCC Pay S.p.A.)coreTechnology or IntegrationNumia S.p.A. is the electronic money institution that issues payment cards (CartaBCC) for the BCC network, including debit cards, prepaid cards, and credit cards used through Banca Annia's services.
• Banca d'Italia (Bank of Italy)coreOthersThe Bank of Italy serves as the primary regulatory authority overseeing Banca Annia's operations as a member of the Italian banking system. The bank is subject to prudential supervision and regulatory compliance requirements.
• FedercasseminorStrategic or Co-development PartnerFedercasse (Federazione Italiana delle Banche di Credito Cooperativo-Casse Rurali ed Artigiane) is the national federation representing Italian cooperative banks. The federation manages the cooperative banking brand including the intertwined CC logo and Pomegranate symbol.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Intesa Sanpaolo: Intesa Sanpaolo is Italy's largest banking group with a nationwide retail and corporate network. A broad incumbent that competes with Banca Annia across all product lines and customer segments, particularly in the Veneto region where it has a major presence.
• UniCredit: UniCredit is one of Europe's largest commercial banks with a major Italian retail and corporate franchise. A broad incumbent competing directly with Banca Annia for retail deposits, mortgages, and SME banking customers across northern Italy.
• Banca Monte dei Paschi di Siena: MPS is Italy's oldest surviving bank, offering retail and commercial banking nationwide. Comparable as a broad Italian incumbent that competes with Banca Annia in retail deposits, mortgages, and SME lending, particularly in northern Italy.
• Banco BPM: Banco BPM is one of Italy's largest banks formed from the merger of Banca Popolare di Milano and Banca Popolare Italiana. A broad incumbent comparable to Banca Annia in serving northern Italian SMEs and retail customers with a similar cooperative-bank heritage, though at much greater scale and geographic breadth.

Direct peers

• Banca Etica: Banca Etica is an Italian cooperative bank focused on ethical and sustainable finance. Comparable to Banca Annia in its cooperative ownership structure, mission-driven banking approach, and Italian community banking model, though differentiated by its explicit ethical/sustainability focus.
• Banca Sella: Banca Sella is a family-owned Italian commercial bank offering retail, corporate, and digital banking services. Comparable to Banca Annia in serving Italian SMEs and households with a multi-channel approach, though with stronger proprietary digital banking capabilities (Sella.it).
• Cassa Centrale Banca: Cassa Centrale Banca is the parent/coordinator of another major Italian cooperative banking group (Raiffeisen) comprising over 60 BCC banks in northern Italy. It is directly comparable to Gruppo BCC Iccrea and to Banca Annia's role as a member BCC, sharing the same cooperative bank structure, regulatory regime, and Italian rural banking model.
• Banca Popolare di Sondrio: Banca Popolare di Sondrio is an Italian cooperative-popular bank focused on retail and SME banking in northern Italy. Comparable to Banca Annia in its mutual/cooperative ownership tradition, regional focus, and emphasis on local customer relationships, though it is significantly larger in scale.
• Credito Emiliano (Credem): Credem is an Italian regional bank headquartered in Emilia-Romagna offering retail, corporate, and private banking. Comparable to Banca Annia as a mid-sized Italian regional bank with strong local presence, relationship-based banking, and multi-segment product offerings.

Emerging players

• Illimity Bank: Illimity is an Italian digital-native bank specializing in SME lending, distressed credit, and digital banking. Comparable as an emerging competitor for Banca Annia's SME and digital banking segments, though with a tech-first approach and national footprint.

Market position

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

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• Facebookfacebook.com/BancaAnnia
• LinkedInlinkedin.com/company/dashen-bank-s-c-
• Instagraminstagram.com/bancaannia

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 Annia