Banca Territori del Monviso
Banca Territori del Monviso is an Italian cooperative bank serving retail customers, SMEs, cooperative members, and youth across the Piedmont provinces of Turin and Cuneo, offering accounts, lending, investments, insurance, agribusiness, and PNRR advisory through branches, the Inbank digital platform, and an E.ON energy partnership.
- Company typePrivate
- Founded1997
- HeadquartersSant'Albano Stura, Italy
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Banca Territori del Monviso does
Banca Territori del Monviso S.C. (BTM) is an Italian cooperative bank (Banca di Credito Cooperativo / Cassa Rurale) founded in 1997, headquartered in Sant'Albano Stura with general direction in Carmagnola, Turin. The bank operates under the direction and coordination of the Gruppo Bancario Cooperativo Cassa Centrale Banca - Credito Cooperativo Italiano S.p.A., holds registration in the Albo delle Banche (n. 4510.40), and is licensed by IVASS as an insurance intermediary. BTM serves four primary customer segments — Privati (individuals), Imprese (SMEs), Soci/e (cooperative members), and Giovani (youth) — across the Piedmont provinces of Turin and Cuneo.
BTM's core products span current accounts and deposits, debit and credit cards, personal loans and mortgages, investment products (including systematic accumulation plans), pension planning, insurance distribution, POS and merchant services for businesses, agribusiness financing, PNRR advisory, and energy utility distribution via the E.ON partnership. The technology stack is centered on the Inbank digital banking platform (online and mobile), supplemented by FEA Grafometrica (tablet-based graphometric electronic signature) and FEA OTP (mobile one-time-password remote signature), a PSD2/Open Banking compliant interface, and a UnionE Fiduciaria-powered whistleblowing reporting system. GDPR compliance was last refreshed in January 2026.
The bank's revenue model rests on traditional cooperative bank economics: net interest income from lending (mortgages, personal loans, business financing), commission and fee income from accounts, cards, POS, FX, and advisory, distribution commissions on investment and insurance products, and referral revenue from the E.ON energy co-distribution partnership. Distribution is multi-channel: a physical branch network (Filiali), Inbank digital self-service, youth and member community programs (NEXT Young Community, Premi Studio, Punto d'Incontro member magazine), and community/educational events including the School Arena financial literacy program in Turin. The 2026 shareholder assembly certified a growing balance sheet and results, though specific revenue and asset figures are not publicly disclosed.
Banca Territori del Monviso firmographics
Firmographics- Name
- Banca Territori del Monviso
- Legal name
- Banca Territori del Monviso S.C.
- Website
- https://bancabtm.it
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Banca Territori del Monviso is an Italian cooperative bank serving retail customers, SMEs, cooperative members, and youth across the Piedmont provinces of Turin and Cuneo, offering accounts, lending, investments, insurance, agribusiness, and PNRR advisory through branches, the Inbank digital platform, and an E.ON energy partnership.
- Ownership category
- akta.pro rank
Banca Territori del Monviso industry classification
Industry- Product category
- Retail Banking
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (52211)
- SIC
- Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
Keywords
Where Banca Territori del Monviso is headquartered
LocationHeadquarters
- HQ city
- Sant'Albano Stura
- HQ country
- Italy
- HQ region
- Europe
Offices2 records
Markets served
Banca Territori del Monviso business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Traditional lending activities generating interest income from mortgages, personal loans, and business financing.
- Commission and Fee Income: Fees from account management, payment services, POS terminals, foreign exchange, and investment services.
- Investment and Insurance Products: Distribution of investment funds, insurance products, and pension plans with associated commissions.
- Energy and Utility Services Distribution: Partnership with E.ON for energy and gas supply, generating referral and distribution revenue through the bank's customer base.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Account and deposit products with standard banking fees |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels8 records
Banca Territori del Monviso product offering
Product offeringCore offering
Banca Territori del Monviso is a cooperative bank that sells retail and SME banking products — current and savings accounts, debit/credit cards, personal loans, mortgages, investment funds, pension plans, and insurance — alongside merchant services (POS), agribusiness finance, PNRR advisory, and an E.ON energy supply partnership. Distribution is through a Piedmont branch network and the Inbank digital banking platform with FEA electronic signature capabilities.
Product overview
Banca Territori del Monviso is a cooperative bank (Banca di Credito Cooperativo) offering integrated banking services through multiple channels including traditional branch banking, digital banking (Inbank), and electronic signature solutions. The core product portfolio includes deposit accounts, cards, lending (personal loans and mortgages), investment products, pension planning, and insurance for retail customers, businesses, youth, and cooperative members. Notable digital innovations include FEA Grafometrica (tablet-based electronic signature) and FEA OTP (mobile OTP-based remote signature), enabling paperless branch operations and remote document signing. The bank also offers energy partnership services through E.ON, youth programs like NEXT Young Community, and specialized services for agribusiness and PNRR government programs.
Differentiator
Problem solved
Functional benefit
Brands
- Inbank: Digital banking platform offered by the bank for online banking services
- NEXT Young Community
- Premi Studio
- FEA - Firma Elettronica Avanzata
Products and services
- Inbank Digital Banking Platform Online and mobile banking platform for retail and business customers to access accounts, manage documents, perform banking operations remotely, and use PSD2/Open Banking compliant services.
- FEA Grafometrica (Graphometric Advanced Electronic Signature) Tablet-based electronic signature that lets customers sign banking documents on a tablet using a digital pen in branch, with signed documents and transaction records accessible via Inbank.
- FEA OTP (One-Time Password Advanced Electronic Signature) OTP-based electronic signature that authenticates remote document signing by sending a one-time password to the customer's mobile phone, eliminating the need for a branch visit.
- Ricarica TEEN Prepaid card and reload service designed for teenagers that supports online and in-store payments via smartphone, including abroad, with balance monitoring and parental spending controls.
- Piano di Accumulo (PAC) Systematic investment plan that lets customers accumulate savings through regular, flexible, and diversified contributions into investment funds.
- E.ON Energia Partnership Co-distributed offering of E.ON electricity, gas, and energy efficiency solutions bundled with the banking relationship for retail and business customers.
- Conti e Depositi (Accounts and Deposits) Current accounts and savings/deposit products for retail customers, supporting everyday banking and savings accumulation.
- Carte (Cards) Credit and debit card products for retail banking customers, supporting payments in-store, online, and abroad.
- Finanziamenti (Lending) Loan and credit facilities for retail customers, including personal loans, mortgages, and credit lines (with promotional campaigns such as Prestipay 'Taglia la Rata').
- Investimenti (Investments) Investment and wealth management services for retail customers, including investment funds, securities, and portfolio advisory.
- Previdenza (Pension and Retirement Planning) Pension and retirement planning products and advisory services for retail customers, complementing investment and insurance offerings.
- Assicurazioni (Insurance) Insurance products and coverage services distributed to retail customers under IVASS registration (Section D, number D000027004).
- NEXT Young Community Community and engagement program offering young customers financial education, dedicated banking services, events, and exclusive benefits.
- PNRR Services Advisory and banking services supporting business customers in accessing Italy's National Recovery and Resilience Plan (PNRR) funding opportunities.
- Agribusiness Services Specialized banking products and services tailored for agricultural and farming businesses operating in the Piedmont territory.
- POS Services Point-of-sale terminal services that enable business customers to accept electronic payments, including related merchant banking services.
- Whistleblowing Platform Internal whistleblowing reporting system allowing employees and stakeholders to anonymously report alleged violations, with separate channels for general violations and anti-money laundering; managed via UnionE Fiduciaria and supports written and oral (voice-recorded with voice masking) submission.
Companies that use Banca Territori del Monviso
Customer profileSegments4 records
Ideal customer profiles4 records
Banca Territori del Monviso technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Banca Territori del Monviso partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Fondo di Garanzia dei Depositanti del Credito CooperativocoreBTM is a member of the Deposit Guarantee Fund for Cooperative Credit (Fondo di Garanzia dei Depositanti del Credito Cooperativo), providing statutory protection for customer deposits.
- Fondo Nazionale di GaranziacoreBTM participates in Italy's National Guarantee Fund (Fondo Nazionale di Garanzia) which provides additional institutional protection for cooperative banks.
- Fondo di Garanzia degli Obbligazionisti del Credito CooperativocoreBTM is covered by the Cooperative Credit Bondholders Guarantee Fund (Fondo di Garanzia degli Obbligazionisti del Credito Cooperativo).
- Fondo di Garanzia Istituzionale del Credito CooperativocoreBTM participates in the Institutional Guarantee Fund of Cooperative Credit (Fondo di Garanzia Istituzionale del Credito Cooperativo).
- IVASS (Istituto per la Vigilanza sulle Assicurazioni)coreBTM is registered in Section D of the Single Register of Insurance and Reinsurance Intermediaries (Registro Unico degli Intermediari Assicurativi e Riassicurativi) at number D000027004, subject to IVASS supervision for insurance distribution activities.
- E.ON EnergiaminorBTM distributes E.ON Energia products (electricity, gas, and environmental solutions) to its customer base, offering bundled banking and energy services. This is a co-marketing and distribution partnership.
- In Volley PiemonteminorBTM partners with In Volley Piemonte to sponsor and promote youth volleyball in the Piedmont region, rewarding merit, commitment, and values in young athletes.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Banca Territori del Monviso competitors and assessment
Company assessmentEmerging players
- Revolut Bank UAB (Italian operations): Digital-first neobank expanding aggressively in Italy through retail deposit accounts and payment services. Comparable as a competing retail banking provider targeting the same younger and SME customer segments BTM courts through NEXT Young Community.
Broad incumbents
- Banco BPM: Major Italian banking group with strong Northwest Italy footprint from the former Banco Popolare and BPM mergers. Comparable as a regional-rooted commercial bank offering full retail, SME, and agribusiness services in territories overlapping with BTM.
- Cassa Centrale Banca - Credito Cooperativo Italiano: Parent company of BTM and central cooperative banking group serving ~70 BCC affiliates. BTM is subject to its direction and coordination, sharing its cooperative banking model, regulatory framework, and group-wide digital infrastructure (Inbank).
- BPER Banca: Major Italian commercial bank with deep regional presence. Comparable as a regional/community banking operator offering retail and SME products across Northern Italy, with similar deposit-taking and lending activities.
- Iccrea Banca: Italian cooperative banking group holding Iccrea BancaImpresa and other group companies, serving as a parallel institutional hub to Cassa Centrale. Comparable as another tier-1 cooperative banking platform with affiliated BCC banks operating in similar segments.
Regional players
- Credito Emiliano (Credem): Italian regional bank with retail and SME focus, headquartered in Emilia-Romagna with growing nationwide presence. Comparable in offering integrated banking, insurance, and advisory services through a multi-channel model with strong local cultural identity.
- Banca Mediolanum: Italian retail bank with strong Piedmont roots and a hybrid in-person advisor plus digital banking model. Comparable in serving retail depositors with integrated banking, investment, and insurance products across Italian households.
- Banca Popolare di Sondrio: Italian cooperative-popular bank with strong Northern Italy presence (Lombardy, Piedmont, and surrounding regions). Comparable in combining cooperative culture with full-service retail and SME banking, including agribusiness finance.
Direct peers
- Banca Sella: Mid-sized Italian family-owned bank offering retail, corporate, and wealth management services with a strong regional Piedmont presence. Comparable business model mixing physical branches with digital services and a relationship-driven approach to SMEs and families.
- CASSA RURALᐧE ED ARTIGIANE GROUP (e.g., Cassa Rurale di Trento): Other BCC (Banca di Credito Cooperativo) entities within the broader Italian cooperative banking ecosystem. Most directly comparable in business model: cooperative governance, mutual lending, member participation, and territorial focus on a defined local community.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Banca Territori del Monviso social profiles
Digital presenceBanca Territori del Monviso compliance and trust
Trust signalCompliance4 records
Banca Territori del Monviso financial estimates
Financial estimateRevenue estimate
Valuation estimate
Banca Territori del Monviso leadership team
Management profileNumber of profiles
Banca Territori del Monviso funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Banca Territori del Monviso M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Banca Territori del Monviso
What does Banca Territori del Monviso do?
Banca Territori del Monviso is a cooperative bank that sells retail and SME banking products — current and savings accounts, debit/credit cards, personal loans, mortgages, investment funds, pension plans, and insurance — alongside merchant services (POS), agribusiness finance, PNRR advisory, and an E.ON energy supply partnership. Distribution is through a Piedmont branch network and the Inbank digital banking platform with FEA electronic signature capabilities.
Is Banca Territori del Monviso a public or private company?
Banca Territori del Monviso is a private company. It is classified as corporate owned and is currently operating.
When was Banca Territori del Monviso founded?
Banca Territori del Monviso was founded in 1997. It employs 51 to 100 people.
Where is Banca Territori del Monviso based?
Banca Territori del Monviso is headquartered in Sant'Albano Stura, Italy, in the Europe region.
How does Banca Territori del Monviso make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are commission and Fee Income, investment and Insurance Products and energy and Utility Services Distribution.
Who are Banca Territori del Monviso's main competitors?
Revolut Bank UAB (Italian operations) is listed as an emerging player. Broad incumbents are Banco BPM, Cassa Centrale Banca - Credito Cooperativo Italiano, BPER Banca and Iccrea Banca. Regional players are Credito Emiliano (Credem), Banca Mediolanum and Banca Popolare di Sondrio. Direct peers are Banca Sella and CASSA RURALᐧE ED ARTIGIANE GROUP (e.g., Cassa Rurale di Trento).
Does Banca Territori del Monviso have an API?
No public API is recorded for Banca Territori del Monviso.
What industry is Banca Territori del Monviso in?
Banca Territori del Monviso's product category is Retail Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 5221 and its SIC code is 6036.