Banca Veronese

What Banca Veronese does

Banca Veronese Credito Cooperativo di Concamarise S.C. is an Italian cooperative bank (Banca di Credito Cooperativo) operating under the Gruppo Bancario Cooperativo Iccrea, with its registered office in Concamarise and administrative headquarters in Bovolone in the province of Verona. Founded in 1903, the bank employs 51-100 staff and serves retail families, small and medium enterprises, young customers, and cooperative member-shareholders primarily within the Verona province. It is supervised by Banca d'Italia (Albo delle Banche number 2176, ABI Code 08322), Consob, and IVASS, and is a member of the cooperative banking system's three guarantee funds.

The product offering spans the standard Italian retail and SME banking stack: current accounts, mortgages, personal loans (including the green-loan variant), business credit, and bond issuance (Prestiti Obbligazionari). Distribution runs through a physical branch network, ATM/self-service terminals, and the RelaxBanking internet banking platform. The bank's payment and digital infrastructure is largely provided through group-level partnerships: CartaBCC prepaid and debit cards issued by Numia S.p.A., consumer credit via Crediper, life insurance via BCC Vita (Unica Evolution), P&C insurance products (Casa Protetta, Impresa Protetta), Satispay and CBill payment integrations, and Directa Trading for securities. PSD2 compliance is delivered through the CBI Globe dedicated interface, live since June 2019.

The revenue model combines net interest income from lending, transactional fees (Commissioni e Oneri Bancari), insurance and investment distribution commissions (MiFID II advisory and execution), and one-time bond issuance. Pricing is published through standardized transparency documents (Foglie Informative) and the Indicatore dei Costi Complessivi (ICC) by customer usage profile. As a mutual cooperative, governance is exercised through the Shareholders' Assembly, with members holding ownership stakes and receiving member-exclusive benefits (Bonus Bebè, scholarships, 20-year recognition, Club Giovani Soci).

Name

Banca Veronese

Legal name

Banca Veronese Credito Cooperativo di Concamarise

Website

https://bancaveronese.it

Company type

Private

Founded year

1903

Operating status

Operating

Headcount range

51–100 employees

Short description

Banca Veronese is an Italian cooperative bank (Credito Cooperativo di Concamarise) serving retail families, SMEs, young customers, and member-shareholders in the Verona province through branches, internet banking, and group-level partnerships.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

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 industry

Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

Keywords

• Cooperative banking
• Retail banking services
• Consumer lending
• Payment cards
• Wealth management

Headquarters

HQ city

Bologna

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, Others

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including mortgages and personal loans
2. Commissioni e Oneri Bancari: Banking commissions and fees from payment services, account management, and financial transactions
3. Insurance Distribution: Distribution of insurance products including life, property, and protection insurance through IVASS authorized channels
4. Investment Services: MiFID II compliant investment services including advisory, execution, and portfolio management
5. Bond Issuance: Issuance of cooperative bank bonds (Prestiti Obbligazionari) as a form of retail funding

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Banca Veronese (Banca Veronese Credito Cooperativo di Concamarise S.C.) is an Italian cooperative bank (Banca di Credito Cooperativo) offering current accounts, mortgages, personal loans, business credit, payment cards (CartaBCC), bond issuance, insurance distribution, and MiFID II investment services to retail customers, families, SMEs, and cooperative members in the Verona province. The bank distributes these services through a physical branch network (filiali), the RelaxBanking internet/mobile banking platform, ATM self-service terminals, and partner channels such as Crediper for personal loans and BCC Vita for insurance.

Product overview

Banca Veronese is a cooperative bank (Banca di Credito Cooperativo) belonging to the Gruppo Bancario Cooperativo Iccrea. The bank offers a comprehensive suite of banking and financial products organized around customer segments: Families and Individuals, Businesses, Young Customers, and Members. Core products include Internet Banking via RelaxBanking platform, CartaBCC payment cards (prepaid and debit), Crediper personal loans, and Prestiti Obbligazionari (bonds). The bank supplements its core offerings with insurance products (Casa Protetta, Impresa Protetta, BCC Vita Unica Evolution), loyalty programs (PremiaTi Revolution), financial education initiatives (EDUFIN, Finanza Consapevole), and ESG tracking tools. Digital services include Directa Trading, PSD2-compliant open banking through CBI Globe, and various payment integrations including Satispay and CBill.

Differentiator

Problem solved

Functional benefit

Brands

• CartaBCC: Cooperative bank card brand offering prepaid cards, debit cards and payment solutions.
• RelaxBanking
• Crediper

Products and services

• RelaxBanking Internet Banking Online and mobile banking platform enabling customers to manage accounts, view transactions, make payments, access card services, and utilize PSD2-compliant third-party provider access.
• CartaBCC Payment Cards Range of prepaid and debit cards issued in partnership with Numia S.p.A., including CartaBCC Tasca (prepaid), CartaBCC TascaConto (prepaid with IBAN), and CartaBCC TascaBusiness (business prepaid with IBAN), used by retail and business customers for cash withdrawals, point-of-sale payments, and online transactions.
• Crediper Personal Loans Personal loan products including Prestito Online Crediper and Prestito Green Crediper (green loans for sustainable investments), offered through partnership with Crediper and distributed through bank branches and the online portal.
• Casa Protetta Home Insurance Insurance product protecting homeowners against property damage and related risks, distributed through Banca Veronese branches.
• Impresa Protetta Business Insurance Business insurance product protecting enterprises against operational risks, distributed through Banca Veronese branches.
• BCC Vita Unica Evolution Life Insurance Life insurance and savings product offered in partnership with BCC Vita and distributed through Banca Veronese branches to retail customers.
• Prestiti Obbligazionari (Bank Bonds) Cooperative bank bond issuances (Prestiti Obbligazionari) used as a form of retail funding, offering customers secure and liquid investment products backed by the Fondo di Garanzia degli Obbligazionisti.
• Directa Online Trading Online securities trading platform provided to customers for direct execution of investment orders on Italian and international markets.
• Business International Services International banking services for businesses including foreign transactions, cross-border payments, and import/export financial services.
• PremiaTi Revolution Loyalty Program Customer loyalty and rewards program offering benefits and rewards to bank customers in connection with their use of banking products.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core.

• Gruppo Bancario Cooperativo IccreacoreStrategic or Co-development PartnerBanca Veronese is a member bank of the Gruppo Bancario Cooperativo Iccrea, the largest Italian cooperative banking group. The parent company Iccrea Banca S.p.A. provides central services, technology platforms, risk management, and regulatory compliance support. The bank adheres to Group policies including the Codice Etico di Gruppo, Modello Organizzativo 231/01, and Whistleblowing system.
• CredipercoreChannel Partner/ Reseller/ DistributorCrediper is a consumer credit brand used by BCC banks for personal loans and credit products. Banca Veronese offers Crediper personal loans, including online loans, green loans, and mortgage protection products, distributed through branches and the online portal.
• Numia S.p.A. (ex BCC Pay S.p.A.)coreTechnology or IntegrationNumia S.p.A. is the institute of electronic money that issues CartaBCC prepaid cards and debit cards (CartaBCC Tasca, CartaBCC TascaConto, CartaBCC TascaBusiness). The bank offers these payment cards to its customers for cash withdrawals and transactions.
• CBI GlobecoreTechnology or IntegrationCBI Globe (Global Open Banking Ecosystem) is the PSD2 compliant interface that enables Third Party Providers to access account information and initiate payments. Banca Veronese participates in this open banking platform through its Group, providing API access to authorized TPPs.
• BCC Vita (Unica Evolution)coreChannel Partner/ Reseller/ DistributorBCC Vita insurance products, including Unica Evolution life insurance and savings products, are distributed through Banca Veronese branches to its customers.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Banca Mediolanum: Italian retail and wealth management bank serving families, self-employed, and SMEs through both advisor networks and digital channels. Comparable in customer segments (Italian families and small businesses) and product mix (banking, investment, insurance).
• Iccrea Banca: Holding company and central services provider of Gruppo Bancario Cooperativo Iccrea, of which Banca Veronese is a member bank. Directly comparable as the parent of the cooperative banking network Banca Veronese belongs to, providing shared platforms, risk management, and regulatory support.
• Banco BPM: One of Italy's largest banking groups formed from the merger of Banco Popolare and Banca Popolare di Milano. Comparable as an Italian commercial bank serving retail families and SMEs across multiple regions with full-service banking, insurance distribution, and investment services.

Direct peers

• Banca Sella: Italian independent bank serving families and SMEs with current accounts, lending, payment services, and open-banking enablement (Fabrick). Comparable to Banca Veronese in retail/SME focus and Italian cooperative-style local banking identity.
• Credito Emiliano (Credem): Italian regional bank with strong presence in Emilia-Romagna and nationwide retail and SME banking. Comparable to Banca Veronese as a mid-sized Italian bank offering retail current accounts, mortgages, business lending, and insurance distribution to families and SMEs.
• Banca Popolare di Sondrio: Italian cooperative-popular bank with regional roots that has expanded nationally, offering retail, corporate, and wealth management services. Comparable as a cooperatively structured Italian bank with similar product breadth and customer segments.
• Cassa Centrale Banca: Head of the rival cooperative banking group (Gruppo Cassa Centrale) coordinating Italian Banche di Credito Cooperativo and Casse Rurali. Closely comparable as a federated structure serving the same Italian cooperative banking sector with shared services for member BCC banks.

Emerging players

• Illimity Bank: Italian digital-native bank serving SMEs and retail customers with corporate lending, distressed credit, and digital banking services. Comparable to Banca Veronese's SME and family segments but competing via a fully digital model rather than branch-based relationship banking.
• Revolut Italy: Digital neobank operating in Italy serving retail and small business customers with multi-currency accounts, payments, and trading. Competes for the same retail and small-business segments Banca Veronese serves via a purely mobile/digital proposition.

Others

• Numia (BCC Pay): Italian electronic money institution that issues the CartaBCC payment cards used by Banca Veronese and other BCC banks. Included as a partner/enabler rather than competitor; illustrates the group's shared infrastructure approach to payments and digital banking.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/bancaveronese
• YouTubeyoutube.com/user/bancaveronese
• Facebookfacebook.com/bancaveroneseconcamarise
• LinkedInlinkedin.com/company/banca-veronese-credito-cooperativo-di-concamarise

Compliance10 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 Veronese