Cassa di Risparmio di Saluzzo S.p.A.

What Cassa di Risparmio di Saluzzo S.p.A. does

Cassa di Risparmio di Saluzzo S.p.A. is a small Italian regional banking entity headquartered in Saluzzo, Piedmont, with 21 employees and a website at crsaluzzo.it. The available source material does not explicitly describe the standalone entity; instead, it points to the BPER Banca group (BPER Banca S.p.A., publicly listed on the Milan Stock Exchange under ticker BPER), of which Cassa di Risparmio di Saluzzo appears to be a constituent entity. The group operates as a full-service Italian commercial bank spanning retail banking (Conto Online Light/Pro, mortgages, personal loans, debit/credit cards), business and SME banking (Conto Business Online, Smart CBI corporate banking, B:Digital Corporate, export services), wealth management (Personal Banking, Private Banking, portfolio management, mutual funds via Arca Fondi SGR), and insurance (via Arca Assicurazioni and Unipol partnerships).

The technology stack centers on a digital banking platform delivered through Smart Web internet banking, a mobile banking app, ATM Smart and Cassa Smart self-service infrastructure, and corporate banking portals (Smart CBI and B:Digital Corporate). Distribution combines digital self-service with an extensive physical branch network across Italy, supplemented by sector-specialized verticals (Agri Banking, Tourism, Condomini, Terzo Settore e P.A., PNRR) and brand sponsorships (SSC Napoli, US Palermo fan cards). Revenue mechanics include recurring monthly account fees (€5.30 retail, €28–€35 business), spread-based lending income (mortgages TAN from 2.85%, personal loans 7.25–7.73% promo for under-35), deposit funding costs (Servizio DiPiù time deposit promo at 3.40% gross), wealth management fees, and insurance commissions. Promotional zero-canon pricing and a friend-referral program (Passegno Amico, up to €300 vouchers) support customer acquisition.

Strategic positioning reflects a multi-segment Italian regional bank leveraging group scale for distribution, post-acquisition integration (UBI Banca 2020, Banca Popolare di Sondrio), and vertical specialization to defend share against national incumbents and digital entrants. No AI/ML capabilities, patents, awards, leadership bios, or entity-level revenue figures were disclosed in the source data.

Name

Cassa di Risparmio di Saluzzo S.p.A.

Legal name

BPER Banca S.p.A.

Website

https://crsaluzzo.it

Company type

Public

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

Cassa di Risparmio di Saluzzo S.p.A. is a small Italian regional banking entity headquartered in Saluzzo, Piedmont, operating as part of the BPER Banca group and offering retail, business, wealth management, and insurance products through digital channels and a physical branch network.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Savings Institutions, Not Federally Chartered (6036)

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), Deposit Operations (Account Maintenance, Fees, Reconciliations) (FSABALAE)

Keywords

• Retail banking services
• Corporate banking services
• Wealth management advisory
• Mortgage and personal loans
• Digital banking platforms

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Pricing tiers

Distribution channels5 records

Marketing channels7 records

Core offering

Cassa di Risparmio di Saluzzo S.p.A., operating as part of Gruppo BPER Banca, delivers retail and corporate banking products across Italy, including current accounts, debit/credit cards, mortgages, personal loans, investment and wealth management services, insurance, and corporate banking platforms delivered through branches, internet and mobile banking, and smart ATMs.

Product overview

BPER Banca operates as a comprehensive Italian banking group offering a multi-segment product portfolio spanning retail banking (Conto Online, Mutui, Prestiti Personali, Carte), business banking (Conti Correnti, Corporate Banking, Trading Online), wealth management (Personal Banking, Private Banking, Fondi e Sicav, Gestioni di Portafoglio), and digital services (Internet Banking Smart Web, Corporate Banking Smart C.B.I, B:Digital Corporate). The bank also provides insurance products through partnerships (Arca Assicurazioni, Unipol), investment services via Arca Fondi SGR, and customer engagement through BPER Magazine content platform. Services are delivered through digital channels (online/mobile), branch network, and smart ATMs.

Differentiator

Problem solved

Functional benefit

Products and services

• Conto Online (Piano Light/Pro) Digital current account for retail individuals, available in Piano Light (€0 promotional / €5.30 standard per month) and Piano Pro plans, including digital debit card, free SEPA transfers, and insurance services.
• Conto Business Online Business current account for freelancers and sole proprietors (P. IVA), with Piano Pro (€0 promo / €28 standard) and Piano Light (€0 promo / €35 standard) plans, Business Visa debit card, free ATM withdrawals, and F23/F24/SDD services.
• Mutui (Promo Mutui) Mortgage products for home purchase projects with promotional fixed rate (TAN from 2.85%, TAEG 3.06%), available through both digital (online) and branch channels.
• Prestiti Personali Personal loans for retail customers, with promotional rates for clients under 35 (TAN fixed 7.25%, TAEG 7.73%) for amounts of €2,000–€20,000 over 12–96 months, with zero processing fees.
• Carte (Debit/Credit) Payment cards for retail customers, including fan-themed cards such as Carta SSC Napoli (€2.99/month standard, zero canone for Napoli fans) and Carta Palermo Rosanero fan cards.
• Internet Banking Smart Web Internet banking platform enabling retail customers to manage accounts, perform transfers, pay bills, and access financial operations online.
• Corporate Banking (Smart C.B.I, B:Digital Corporate) Corporate banking solutions including Smart C.B.I and B:Digital Corporate platforms serving business clients with cash management, payments, financing, and trade services.
• Trading Online Online trading platform enabling customers to trade equity and other investment products.
• Servizio DiPiù (Deposito Vincolato) Time deposit (restricted deposit) product offering up to 3.40% gross annual rate for 6 months on new liquidity, valid until September 30, 2026.
• Fondi e Sicav Investment funds and Sicav products made available to customers through a partnership with Arca Fondi SGR.
• Gestioni di Portafoglio Portfolio management services for wealth management clients.
• Personal Banking Premium banking service for high-net-worth retail clients within the wealth management offering.
• Private Banking Private banking services for affluent clients, including advanced financial advisory, financial consulting, and wealth advisory.
• Assicurazioni e Previdenza Insurance and pension products including Ama&Proteggi Casa, RC Auto through Arca Assicurazioni, and UnipolMove device promotions.
• Consulenza Finanziaria Financial advisory services including advanced consulting and non-financial wealth advisory for private banking clients.
• ATM Smart e Cassa Smart Smart ATM and smart cash services enabling customers to perform automated banking transactions such as withdrawals, deposits, and other self-service operations.
• Servizi per Imprese e Professionisti Business and professional banking service offering for SMEs, large corporate, sole proprietors, freelancers, agricultural businesses, tourism operators, condominiums, nonprofit organizations and public administration entities, covering accounts, payments, financing, insurance, digital services, foreign trade, liquidity management, sector-specific banking and PNRR funding access.

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Recent moves6 records

Expansion highlights7 records

Emerging players

• Illimity Bank S.p.A. Italian digital-native bank specializing in SME lending, distressed credit, and digital banking; competes for the same business and digitally-engaged retail customers that the company's digital channels target.
• Banca Mediolanum S.p.A. Italian bank with strong wealth management and bancassurance focus; competes with the wealth management/private banking vertical of BPER/Cassa di Risparmio di Saluzzo, particularly for mass-affluent and high-net-worth clients.

Broad incumbents

• UniCredit S.p.A. Pan-European banking group with deep Italian retail and corporate franchise; provides the same core banking products and competes with BPER/Cassa di Risparmio di Saluzzo across all customer segments.
• Intesa Sanpaolo S.p.A. Largest Italian banking group and dominant retail/commercial bank; offers a nearly identical product suite (conti, mutui, prestiti, private banking, corporate) at greater scale, setting the competitive benchmark.

Direct peers

• Banca Monte dei Paschi di Siena S.p.A. Italian commercial bank with full retail and corporate banking offerings; similar mid-tier position in the Italian market with comparable deposit, mortgage, and wealth management products.
• ICCREA Banca S.p.A. Italian cooperative banking group that coordinates a network of BCC banks, similar in concept to the Casse di Risparmio model; offers overlapping retail and corporate banking products to small businesses and households.
• Banca Sella Holding S.p.A. Italian private independent bank with full retail and corporate banking offerings including digital banking, payments, and wealth management; competes with BPER and Cassa di Risparmio di Saluzzo in northern Italy.
• BPER Banca S.p.A. Direct parent company of Cassa di Risparmio di Saluzzo; BPER is the Italian commercial banking group whose products, branches, and digital platforms the data describes. Operates the same retail, business, and wealth management franchise under the BPER brand.
• Banco BPM S.p.A. Major Italian mid-sized commercial bank with overlapping retail, business, and wealth management offerings; competes head-to-head in northern Italian regions and shares similar scale and customer mix.
• Credito Emiliano S.p.A. (Credem): Italian commercial bank with strong presence in northern Italy; offers similar retail, business, and private banking services, making it a direct competitor in the same regional footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights3 records

Customer concentration

• YouTubeyoutube.com/c/BPERBancaChannel
• Facebookfacebook.com/BPERbanca
• LinkedInlinkedin.com/company/cassa-di-risparmio-di-saluzzo-s-p-a-
• Instagraminstagram.com/bper_banca/?hl=it

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 Cassa di Risparmio di Saluzzo S.p.A.