BCC Roma

What BCC Roma does

BCC Roma (Banca di Credito Cooperativo di Roma) is a cooperative bank headquartered in Rome, Italy, serving retail, business, professional, non-profit, and agribusiness customers across the Lazio region. As a member of Gruppo Bancario Cooperativo Iccrea — the largest Italian cooperative banking group — BCC Roma operates under a mutual ownership model where customers can become soci (members) with voting rights and access to exclusive benefits including mutual health assistance, scholarships via Fondazione Badioli, and a dedicated member app (App Noi Soci).

The bank's product portfolio centers on traditional retail and commercial banking: current accounts (including the basic Conto di Base BCC Giusto Conto), payment cards (CartaBCC plus Nexi, American Express, Deutsche Bank, and EuroCheque network access), loans and mortgages (including the FRI Sociale subsidized product for social enterprises), investment and pension products, insurance distribution (IVASS registered), and international trade services (Estero BCC). Distribution occurs through a multi-channel network of physical branches, 24-hour self-service terminals (Sportello Self H24), ATMs, and the RelaxBanking digital platform. The bank also operates a Treasury division serving public institutions and corporate clients including ASL Roma 1, Carabinieri, Confcommercio, Guardia di Finanza, INPS, Polizia di Stato, Regione Lazio, and Regione Abruzzo. Card processing is supported through integrations with Nexi, American Express, Deutsche Bank, and EuroCheque networks, and the bank supports PSD2-TPP open banking services.

BCC Roma generates revenue through three primary streams: interest income on loans and mortgages, commission and fee income from accounts, cards, payment services, foreign exchange, and insurance distribution, and revenue from investment product distribution. The cooperative model emphasizes community reinvestment, ethical and sustainable finance products, and local economic development. Compliance is maintained across GDPR, MiFID II/MiFIR, Basel III Pillar 3, AML, and PSD2 frameworks, with ESG assessments handled via the CRIF ESG-gate platform and anti-fraud via the Stop Frodi platform.

Name

BCC Roma

Legal name

Banca di Credito Cooperativo di Roma

Website

https://bccroma.it

Company type

Private

Operating status

Operating

Headcount range

251–500 employees

Short description

BCC Roma is a cooperative bank headquartered in Rome, serving retail, business, professional, non-profit, and agribusiness customers across Italy's Lazio region through branches, digital channels, and membership in Gruppo BCC Iccrea.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Commercial Banking (522110)

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 services
• Retail and commercial banking
• Mortgage and loan products
• Payment card services
• Investment and pension products

Headquarters

HQ city

Rome

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, Supply Chain

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans, mortgages, and other credit products extended to retail customers, businesses, professionals, and institutions.
2. Commission and Fee Income: Fees from account maintenance, payment services, card transactions, foreign exchange services for businesses, investment products, and insurance distribution.
3. Investment Products: Revenue from distribution of investment funds, certificates, wealth management, and pension products to customers.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

BCC Roma is a cooperative bank that provides retail, business, and institutional banking services to individuals, families, businesses, professionals, non-profits, and the agribusiness and tourism sectors in the Lazio region of Italy. Its core products span current accounts, payment cards (CartaBCC and partner networks), loans and mortgages, investment and pension products, insurance distribution, international trade services, and specialized financing programs such as FRI Sociale and Fondo Futuro Regione Lazio, delivered through branches, self-service terminals, and the RelaxBanking digital platform.

Product overview

BCC Roma (Banca di Credito Cooperativo di Roma) operates as a cooperative bank offering a unified banking platform with RelaxBanking as its core digital channel. The product portfolio centers on traditional banking services (current accounts, cards, loans, investments, insurance) enhanced by specialized segments for youth, professionals, businesses, and non-profits. Key products include CartaBCC payment cards, the Giusto Conto basic account, subsidized FRI Sociale financing for social enterprises, and Estero BCC international trade services. The bank also provides advanced financial advisory, 24-hour self-service terminals, and a dedicated member app (App Noi Soci), all within the Gruppo BCC Iccrea banking group.

Differentiator

Problem solved

Functional benefit

Brands

• RelaxBanking: Digital banking platform and mobile app for online banking services
• Noi Soci
• BCC Informa
• CartaBCC

Products and services

• Conto Corrente Current account products for personal, business, professional, and non-profit customers with multiple service tiers.
• Conto di Base BCC Giusto Conto Basic bank account for customers with limited account operations, compliant with EU payment account regulations.
• Finanziamenti e Mutui Loans and mortgages for personal, business, professional, and non-profit customers.
• FRI Sociale ABI-MIMIT-CDP Subsidized loans for social enterprises aligned with UN 2030 Agenda objectives, with incentives up to 80% of eligible expenses, in partnership with ABI, MIMIT, and CDP.
• Fondo Futuro Regione Lazio Micro-enterprise financing program for Lazio region businesses and professionals with difficulty accessing traditional credit.
• Investimenti e Previdenza Investment and pension products including funds, securities, and retirement planning solutions.
• Assicurazioni Insurance products distributed through the bank, IVASS registered (RUI: D000027070) for non-life and life insurance.
• CartaBCC Proprietary payment card branded CartaBCC, with 24/7 assistance at 800 08 65 31 (Italy) or +39 06 944 28 901 (abroad).
• Carte (Card Portfolio) Card portfolio including CartaBCC, Nexi, American Express, and Deutsche Bank cards for payments and withdrawals.
• Servizi (Banking Services) Banking services including digital banking, foreign trade services (Estero BCC), treasury services, and payment services.
• Estero BCC International trade services for businesses including payments and collections, import/export financing, foreign currency financing, documentary credits, and foreign guarantees.
• RelaxBanking Digital banking platform for internet and mobile banking services, enabling account management, transactions, and appointment booking via app or web portal at www.relaxbanking.it.
• Sportello Self H24 24-hour self-service banking terminal for cash deposits, withdrawals, and basic transactions without branch hours.
• Consulenza Finanziaria Evoluta Advanced financial advisory service for personalized wealth management and investment planning.
• Programma Non Profit Dedicated banking program for non-profit organizations and entities with specialized account and financing solutions.
• App Noi Soci Mobile application dedicated to BCC Roma members for exclusive access to member benefits, news, and services.
• LEIsing Legal Entity Identifier (LEI) service for businesses requiring LEI codes for financial transactions and regulatory compliance.
• Agribusiness Banking Specialized banking services for agricultural businesses and farming enterprises.
• Turismo Banking Banking services tailored for tourism businesses and hospitality sector.

Segments8 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Partnerships

One partnership is on record.

• Iccrea Banca S.p.A. (Gruppo BCC Iccrea)coreOthersBCC Roma is a member bank of Gruppo Bancario Cooperativo Iccrea, with Iccrea Banca serving as the central institution (capogruppo). The group provides shared services, technology platforms, product development, risk management, and regulatory support to member banks.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Banco BPM: Banco BPM is a major Italian retail and commercial bank formed from the merger of Banco Popolare and BPM. It competes with BCC Roma across retail, mortgage, and SMB banking in northern and central Italy, and is a relevant broad incumbent comparable for product breadth and customer segmentation.
• BPER Banca: BPER Banca is one of Italy's largest regional commercial banks with broad retail, corporate, and private banking franchises across multiple regions. It is a relevant broad incumbent peer in the same Italian regional banking market where BCC Roma competes for retail and SMB customers.
• Credito Emiliano (Credem): Credem is a mid-sized Italian regional commercial bank with a strong private/SMB and wealth advisory franchise across northern and central Italy. It serves as a relevant comparable for BCC Roma's regional commercial banking, advisory, and SMB lending business model, though Credem is for-profit and publicly listed.
• Banca Mediolanum: Banca Mediolanum is an Italian retail and wealth advisory bank with a strong financial advisor distribution model. Comparable to BCC Roma on retail wealth advisory (Consulenza Finanziaria Evoluta), insurance distribution, and pension products, though with a for-profit and nationally distributed model.

Direct peers

• Banca Popolare Etica: Banca Popolare Etica is an Italian cooperative bank focused on ethical and sustainable finance, operating under a similar mutual/member-owned model with strong ESG positioning. Comparable to BCC Roma on cooperative governance and on growing portfolios of eco-sustainable and solidarity-based lending.
• Banca di Credito Cooperativo di Milano: BCC Milano is a fellow cooperative bank (banca di credito cooperativo) within the Gruppo BCC Iccrea network, serving a similar member-owned mutual banking model across a different Italian region. Highly comparable business model, regulatory framework, and product offering to BCC Roma.
• Iccrea Banca: Iccrea Banca is the central institution (capogruppo) of Gruppo Bancario Cooperativo Iccrea, BCC Roma's parent group. It provides shared services, technology platforms, and product development to all member BCCs, making it the closest functional peer at the group level.

Emerging players

• Illimity Bank: Illimity is an Italian digital-native challenger bank targeting SMB and distressed credit niches with a tech-first stack. It is an emerging player comparable to BCC Roma on the SMB and corporate lending business it serves in the Lazio territory, while competing with a fundamentally different cost structure.
• Banca Sella: Banca Sella is an Italian private bank and fintech group with strong technology and open banking / PSD2 capabilities. It is comparable to BCC Roma as a regional-rooted Italian bank increasingly focused on digital and embedded finance, contrasting with BCC Roma's group-platform model.
• Cherry Bank: Cherry Bank is a small Italian challenger bank focused on SMEs, niche lending, and digital banking. It is an emerging peer that competes for the same SMB and small-business customer base BCC Roma serves in Lazio, with a lighter digital footprint and no branch network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/BCCRoma60
• Facebookfacebook.com/BCCRomaOfficial
• LinkedInlinkedin.com/company/bcc-roma
• Instagraminstagram.com/bccroma

Compliance6 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 BCC Roma