Credito Cooperativo - Cassa Rurale ed Artigiana di Paliano S.C.

What Credito Cooperativo - Cassa Rurale ed Artigiana di Paliano S.C. does

Credito Cooperativo - Cassa Rurale ed Artigiana di Paliano S.C. (BCC Paliano) is a small Italian cooperative bank (Società Cooperativa) headquartered at Viale Umberto I, 53 in Paliano, in the Frosinone province of Lazio. Registered in the Albo delle Banche under n. 2644 and listed in the IVASS Single Register of Insurance Intermediaries as n. D000026994, the bank operates under the mutual-aid cooperative banking model typical of Italian Banche di Credito Cooperativo, in which members (Soci) hold shares and participate in governance through the Assemblea dei Soci. It is a member institution of Gruppo Bancario Cooperativo Iccrea, Italy's largest cooperative banking group, which serves as its central institution and provides shared infrastructure, technology, and oversight.

The bank's product portfolio spans retail and SME banking services: current accounts (including the youth-targeted Conto Generazione BCC for ages 18-35), savings products, fixed-rate residential mortgages (Mutuo Casa Perfetta with TAN from 2.70%), payment cards (CartaBCC debit and prepaid issued by Numia S.p.A.), insurance distribution through BCC Servizi Assicurativi and other group affiliates (BCC Vita, BCC Assicurazioni, Assimoco), and consumer credit/leasing/factoring products from sister entities within the Gruppo BCC Iccrea ecosystem. Distribution combines a physical branch network in the Paliano territory with the RelaxBanking digital banking platform (web and mobile), self-service ATMs, and group-wide channels including loyalty (PremiaTi Revolution), financial education (Educazione Finanziaria), and cybersecurity awareness (I Navigati with CERTFin).

Revenue mechanics follow the classic Italian retail banking model: net interest income from lending (mortgages, personal loans, SME credit), recurring quarterly account maintenance fees (with age-based discounts including zero fees for under-26), transaction-based fees on domestic/international transfers and card services, and commission income from insurance and consumer credit product distribution. Customer acquisition is community-led through cooperative membership and branch-based relationship banking in a geographically narrow micro-territory, supported by group-level digital marketing campaigns. BCC Paliano holds GDPR and PSD2 compliance certifications, with PSD2 access delivered via the CBI Globe open banking platform.

Name

Credito Cooperativo - Cassa Rurale ed Artigiana di Paliano S.C.

Legal name

Credito Cooperativo C.R.A. di Paliano Società Cooperativa

Website

https://bccpaliano.it

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

BCC Paliano is a small Italian cooperative bank in Paliano (Frosinone, Lazio) serving retail customers, families, and local SMEs with current accounts, mortgages, payment cards, and insurance distribution via the Gruppo BCC Iccrea ecosystem.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

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 services
• Retail banking products
• Residential mortgage lending
• Digital payment services
• Insurance distribution

Headquarters

HQ city

Paliano

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including mortgages (Mutuo Casa Perfetta) and other credit facilities extended to retail and business customers.
2. Account Maintenance Fees: Quarterly account maintenance fees charged on current accounts, with age-based discounts (free for customers aged 18-25, EUR 2/month for ages up to 35 on Conto Generazione BCC).
3. Payment and Transaction Fees: Fees from payment services including domestic and international transfers, direct debits, prepaid card recharges, MAV/RAV, postal payments, and ATM withdrawals.
4. Insurance Distribution: Commission revenue from distributing insurance products through a new horizontal partnership model with BCC Servizi Assicurativi.
5. Card Issuing and Management: Revenue from issuing and managing CartaBCC debit cards, including the CartaBCC Debit contactless card promoted through the PremiaTi loyalty program.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

BCC Paliano is a cooperative bank that offers retail banking products and services to individuals, families, and small businesses in the Paliano area. Its core offering includes current and savings accounts (including the Conto Generazione BCC youth account for ages 18-35), fixed-rate residential mortgages (Mutuo Casa Perfetta), payment cards (CartaBCC debit and prepaid cards), instant SEPA payments, and insurance product distribution. Banking services are delivered both through the bank's local branch network and via the RelaxBanking digital platform, with member ownership under the cooperative model of the Gruppo Bancario Cooperativo Iccrea.

Product overview

BCC Paliano operates as a cooperative credit bank offering a unified banking platform centered on RelaxBanking digital services. The core product portfolio includes CartaBCC payment cards (debit and prepaid) distributed through the bank, the Conto Generazione BCC youth savings account targeting ages 18-35, and Instant Payment services for real-time SEPA transfers. Supplementary offerings encompass Mutuo Casa Perfetta fixed-rate mortgages, insurance products distributed via BCC Servizi Assicurativi partnerships, and PremiaTi Revolution loyalty rewards. Educational initiatives include I Navigati (cybersecurity awareness with CERTFin) and Educazione Finanziaria (financial literacy). Cultural engagement is supported through BCC Arte&Cultura sponsorship. The bank participates in the Gruppo Bancario Cooperativo Iccrea, with open banking enabled via CBI Globe PSD2 interface.

Differentiator

Problem solved

Functional benefit

Products and services

• RelaxBanking Home banking digital platform enabling account management, transfers, bill payments, card controls, and customer support. Accessible via web and mobile app for BCC Paliano retail and small-business customers.
• CartaBCC Debit and Prepaid Cards Debit and prepaid payment cards issued by Numia S.p.A. and distributed through BCC Paliano. Includes CartaBCC Debit contactless cards and prepaid cards with IBAN. Contactless payments supported via Apple Pay, Samsung Pay, Google Pay, and Garmin Pay.
• Conto Generazione BCC Youth-oriented current account for customers aged 18-35 with zero euro account maintenance fees for ages 18-25 and EUR 2/month fees to age 35. Includes free online transfers, RelaxBanking access, free CartaBCC Debit contactless card, and mobile wallet support.
• Mutuo Casa Perfetta Fixed-rate mortgage product for residential property purchase or renovation, secured by mortgage. TAN from 2.70%, TAEG from 3.00% (as of October 2024). Subject to creditworthiness evaluation. Available in 20-year and 25-year fixed-rate terms.
• Prodotti Assicurativi (Insurance Products) Insurance products distributed through the new horizontal partnership model with BCC Servizi Assicurativi. Includes life insurance via BCC Vita and non-life (P&C) insurance via BCC Assicurazioni, as well as partner offerings through Assimoco.
• Instant Payment (SEPA Instant Credit Transfer) Instant SEPA credit transfer service enabling real-time money transfers 24/7 including weekends, with immediate confirmation and irreversibility. Maximum EUR 100,000 per transaction. Available to BCC Paliano customers through the RelaxBanking platform.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

16 partnerships are on record, tiered core and minor.

• BCC Servizi AssicurativicoreStrategic or Co-development Partner · 29 April 2026BCC Paliano announced the launch of a new horizontal insurance distribution partnership model with BCC Servizi Assicurativi. This represents a new insurance distribution approach across the BCC network, distributing insurance products through the bank's branches and digital channels.
• Gruppo Bancario Cooperativo Iccrea (Iccrea Banca S.p.A.)coreStrategic or Co-development PartnerBCC Paliano is a member bank of Gruppo Bancario Cooperativo Iccrea, Italy's largest cooperative banking group. The parent company Iccrea Banca S.p.A. serves as the Central Institution (capogruppo), providing shared technology platforms (RelaxBanking, CBI Globe), product infrastructure, governance oversight, capital management, and digital banking services to all member BCCs. Gruppo BCC Iccrea covers all of Italy with hundreds of BCC member banks.
• 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 debit cards, prepaid cards, and digital payment instruments used by BCC Paliano customers. Numia also manages the PremiaTi Revolution loyalty program. The bank accesses Numia's card infrastructure for ATM operations, contactless payments, and digital wallet integrations (Apple Pay, Samsung Pay, Google Pay, Garmin Pay).
• CBI Globe (CBI S.c.p.a.)coreTechnology or IntegrationCBI Globe is the Italian banking industry's open banking platform enabling PSD2-compliant access for Third Party Providers. All Gruppo BCC Iccrea banks, including BCC Paliano, connect to CBI Globe for their dedicated TPP interface, providing open banking API access to authorized fintechs and payment service providers.
• Banca d'ItaliacoreOthersAs a licensed bank registered in the Albo delle Banche (n. 2644), BCC Paliano is subject to regulatory oversight by Banca d'Italia. The bank received exemption from the PSD2 fall-back solution obligation from Banca d'Italia for all Gruppo BCC Iccrea banks.
• IVASS (Istituto per la Vigilanza sulle Assicurazioni)coreOthersBCC Paliano is registered in the Registro Unico degli Intermediari Assicurativi (Insurance Intermediaries Register) under n. D000026994, subject to IVASS supervision for its insurance distribution activities.
• BCC VitaminorChannel Partner/ Reseller/ DistributorBCC Vita is a life insurance company within the Gruppo BCC Iccrea ecosystem. BCC Paliano distributes BCC Vita life insurance products through its branch network as part of its insurance offering.
• BCC AssicurazioniminorChannel Partner/ Reseller/ DistributorBCC Assicurazioni is a non-life insurance company within the Gruppo BCC Iccrea ecosystem. BCC Paliano distributes BCC Assicurazioni property and casualty insurance products through its branch network.
• AssimocominorChannel Partner/ Reseller/ DistributorAssimoco is an insurance company partner referenced in the third-party information sheets section of the BCC Paliano website, offering insurance products distributed through the bank.
• BCC Credito ConsumominorChannel Partner/ Reseller/ DistributorBCC Credito Consumo (including Crediper Quinto) is a consumer credit entity referenced in the third-party information sheets, offering personal loans and credit products distributed through BCC Paliano branches.
• Iccrea BancaImpresaminorChannel Partner/ Reseller/ DistributorIccrea BancaImpresa provides specialized banking services for business customers within the Gruppo BCC Iccrea, referenced in the third-party information sheets as a partner for business banking products.
• BCC LeaseminorChannel Partner/ Reseller/ DistributorBCC Lease is a leasing company within the Gruppo BCC Iccrea ecosystem, referenced in the third-party information sheets and available for distribution through BCC Paliano branches.
• BCC FactoringminorChannel Partner/ Reseller/ DistributorBCC Factoring is a factoring services provider within the Gruppo BCC Iccrea ecosystem, referenced in the third-party information sheets and available for distribution through BCC Paliano.
• ICCREA BCC PosminorChannel Partner/ Reseller/ DistributorICCREA BCC Pos provides point-of-sale payment terminal services for merchants, referenced in the third-party information sheets and available through BCC Paliano.
• TelepassminorChannel Partner/ Reseller/ DistributorTelepass is referenced in the third-party information sheets as a partner for toll payment services available through BCC Paliano.
• SatispayminorChannel Partner/ Reseller/ DistributorSatispay is referenced in the third-party information sheets as a mobile payment partner available through BCC Paliano.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Cassa Centrale Banca – Credito Cooperativo Italiano: Central institution of the other main Italian cooperative banking group (which includes Raiffeisen and Cassa Centrale banks). Directly comparable cooperative-banking peer with same mutual-member structure and small-town local banking focus.
• Banca di Credito Cooperativo di Roma: BCC operating in the same Latium/Lazio region as BCC Paliano and member of the same Gruppo BCC Iccrea. Same group platform, same product portfolio, same regulatory regime — the closest geographic and structural peer.
• Cassa Rurale di Trento: Italian cooperative rural bank (Banca di Credito Cooperativo / Cassa Rurale) operating under a similar local-community cooperative model. Directly comparable in structure, product set, and member-owned governance, with similar reliance on group-level cooperative banking infrastructure.
• BCC di Milano: Banca di Credito Cooperativo operating in a similar Italian municipal footprint as a member of Gruppo BCC Iccrea. Same group platform (RelaxBanking, CartaBCC), same cooperative governance, same PSD2/CBI Globe open banking stack — direct functional peer.

Broad incumbents

• Intesa Sanpaolo: Italy's largest banking group; competes with BCC Paliano for retail deposits and mortgages in the Frosinone/Lazio area. While not a cooperative, it sets the rate, product, and digital experience benchmark that BCC Paliano must match via group infrastructure.
• Banca Popolare di Puglia e Basilicata: Italian regional cooperative-style bank serving retail and SME customers in Southern Italy with a comparable local-community focus. Broader in scale than BCC Paliano but overlapping in target segments and distribution model.
• UniCredit: Major Italian universal bank with retail and SME presence across Lazio. Represents the large-incumbent competitive constraint on BCC Paliano's deposit gathering, lending volume, and digital product expectations.
• BPER Banca: Mid-large Italian retail and SME bank with territorial presence overlapping BCC Paliano's catchment. Comparable product mix (current accounts, mortgages, insurance distribution) at much larger scale.

Emerging players

• Satispay: Italian mobile payment network and account platform that BCC Paliano itself distributes. Functions as both partner and adjacent competitor for everyday payments and youth customer wallets in BCC Paliano's territory.
• Illimity Bank: Italian digital-native bank targeting SMEs and retail customers with a fully online platform. Represents the digital-first competitive threat to small local banks like BCC Paliano, particularly for younger customers targeted by Conto Generazione BCC.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/gruppoiccrea
• YouTubeyoutube.com/channel/UCYZtPrZBWBbgMSYwmaAFBmw
• LinkedInlinkedin.com/company/credito-cooperativo---cassa-rurale-ed-artigiana-di-paliano-s.c.
• Instagraminstagram.com/gruppo_bcc_iccrea

Compliance3 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

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Frequently asked questions about Credito Cooperativo - Cassa Rurale ed Artigiana di Paliano S.C.