What BCC Veneta does

BCC Veneta Credito Cooperativo - Società Cooperativa is an Italian cooperative credit bank (Banca di Credito Cooperativo) formed on February 12, 2024, through the merger of BCC di Verona e Vicenza and BCC Patavina. It operates as a member-owned cooperative banking institution under the supervision of Banca d'Italia and IVASS, and is a member of Gruppo BCC Iccrea, Italy's largest cooperative banking group and the only nationally present banking group with entirely Italian capital (fourth-largest by total assets). The bank serves retail and SME customers across 9 provinces in Northeast Italy (Vicenza, Verona, Padova, Venezia, Trento, Mantova, Brescia, Treviso, Rovigo) via a network of approximately 94 physical branches, ~750 employees, and digital channels including the RelaxBanking online platform and 24/7 B@nc@Self ATMs.

Its product portfolio spans current accounts (including the women-focused Conto ForWe and Conto giovani for youth), payment cards (CartaBCC Credit and CartaBCC Debit Mastercard with contactless and mobile wallet support), insurance policies distributed through BCC Assicurazioni (including the accident-illness Infortuni Protetti product with special protections for domestic violence survivors and minors), investment and pension products, mortgages (including ESG-linked variants) and personal loans, plus specialized offerings such as AutonoMia financing for female entrepreneurship up to EUR 100,000. Business banking services include leasing, factoring, international trade services, and merchant payment systems. The bank operates a PSD2-compliant Third Party Provider interface via the CBI Globe open banking platform.

The revenue model combines net interest income from lending activities, transaction and recurring fees on accounts and cards, commissions on insurance distribution and investment products, and fee income from business financial services. Distribution is primarily relationship-led through the branch network, with member loyalty reinforced through Veneta Con Te ETS, a subsidiary mutual aid association offering health, social, and cultural benefits to approximately 31,000 cooperative members. The cooperative structure mandates reinvestment of profits into the local territory under mutualità prevalente principles, distinguishing BCC Veneta from investor-owned banks.

Name

BCC Veneta

Legal name

BCC Veneta Credito Cooperativo - Società Cooperativa

Website

https://bccveneta.it

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

251–500 employees

Short description

BCC Veneta is an Italian cooperative credit bank serving retail and SME customers across 9 provinces in Northeast Italy through 94 branches, offering current accounts, cards, mortgages, insurance, and investment products under the Gruppo BCC Iccrea.

Ownership category

akta.pro rank

Headquarters

HQ city

Fara Vicentino

HQ country

Italy

HQ region

Europe

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including mortgages, personal loans, and business financing. Core revenue stream for cooperative bank.
2. Bancassicurazione (Banking Insurance): Insurance products distribution including Infortuni Protetti, life policies, home insurance, auto insurance, and key-man insurance for businesses. Distributed through branch network.
3. Investment Products: Investment products, trading platforms, pension funds, and financial advisory services for individuals and businesses.
4. Account and Card Fees: Current account maintenance fees, credit/debit card fees, and transaction commissions.
5. Business Financial Services: Leasing, factoring, international trade services, and business consulting services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

BCC Veneta is a cooperative credit bank (Banca di Credito Cooperativo) that provides retail and commercial banking services to individuals, families, and businesses across nine provinces in Northeast Italy. Its core offerings include current accounts, payment cards, mortgages and personal loans, insurance products, investment and pension solutions, as well as business financing services such as leasing, factoring, and international trade services. Distribution is carried out through approximately 94 physical branches complemented by the RelaxBanking digital platform and an evolved ATM network.

Product overview

BCC Veneta is a cooperative credit bank (Banca di Credito Cooperativo) offering a comprehensive portfolio of banking and financial services to individuals, families, and businesses across 9 provinces in Northern Italy through approximately 94 branches. The product portfolio centers on core banking services (current and savings accounts including the women-focused Conto ForWe), payment cards (CartaBCC Credit and CartaBCC Debit Mastercard with mobile payment integrations), insurance products (through BCC Assicurazioni including Infortuni Protetti accident coverage), investment and pension solutions, and diversified lending products (mortgages, personal loans, and the female entrepreneurship financing AutonoMia). Digital banking is delivered through the RelaxBanking platform. The bank also supports the Veneta Con Te ETS mutual aid association for member benefits in health and social services. BCC Veneta is part of the Gruppo Bancario Cooperativo Iccrea.

Differentiator

Problem solved

Functional benefit

Brands

• RelaxBanking: Online banking platform for customers to manage their finances digitally
• Veneta Con Te ETS
• ForWe
• AutonoMia
• Infortuni Protetti

Products and services

• Conti correnti (Current Accounts) Checking and savings accounts offered to personal and business customers, with variants for youth, private individuals, and businesses.
• Conto ForWe Current account designed for women combining online banking advantages with dedicated in-branch consultant support. Monthly fee of €4 (reducible to €2 with salary/pension credit), free online transfers, free online statements, includes RelaxBanking and CartaBCC Debit.
• CartaBCC Credit Personal credit card issued by Numia S.p.A. for everyday purchases and online transactions, featuring contactless payments, mobile wallet compatibility (Apple Pay, Samsung Pay, Google Pay, Garmin Pay), rewards program, insurance protections, and postpaid billing up to 48 days.
• CartaBCC Debit Mastercard Debit Mastercard issued by Numia S.p.A. for everyday purchases, ATM withdrawals, and online transactions, with contactless payments, mobile wallet compatibility, and immediate debit to the customer's current account.
• Polizze assicurative (Insurance Policies) Range of bancassurance products covering home, third-party liability, pets, mortgage and loan protection, personal accident, life, and auto RC, distributed through the branch network under IVASS supervision.
• Infortuni Protetti Comprehensive accident and illness insurance offering coverage for death, permanent disability, hospitalization, medical expenses, and assistance services, with special provisions for domestic violence survivors and minors.
• Investimenti, risparmi e previdenza (Investments, Savings and Pension) Investment products, trading platforms, pension funds, savings and complementary pension plans, life policies, investment accounts, online trading, and financial advisory services for individuals and businesses.
• Mutui e Finanziamenti (Mortgages and Loans) Home mortgages, personal loans, ESG mortgages, and consumer or business financing solutions for personal and business customers.
• AutonoMia - Imprenditoria Femminile Medium-to-long term financing dedicated to female entrepreneurship for self-employed professionals, sole proprietorships with female owners, and companies with female majority ownership. Maximum amount €100,000, variable rate Euribor 6m/360 + 1.00%, maximum duration 60 months, processing fee 0.25%. Available until 30/06/2026 or until the €10,000,000 plafond is exhausted.
• RelaxBanking Online and mobile banking platform enabling customers to manage accounts, payments, transfers, bill payments, and other banking operations digitally, available 24/7.
• Sistemi di pagamento (Payment Systems) Payment systems and merchant services for businesses, including POS terminals and related payment acceptance solutions.
• Leasing Leasing financing solutions offered to business customers for capital equipment and asset acquisition.
• Factoring Factoring services for the management and financing of business accounts receivable.
• Estero (International Services) International banking services for businesses, including foreign currency operations, trade finance, and correspondent banking.
• Valutazioni e certificazioni (Valuations and Certifications) Business valuation and certification services offered to enterprise customers.
• Veneta Con Te ETS Mutual aid association founded by BCC Veneta offering members services and benefits in health, social, educational, and recreational areas, including medical refunds, MutuaSalus emergency services, prevention campaigns, family subsidies, youth support, cultural events, and leisure activities.

Quantifiable outcome

• Over 100 years of cooperative banking history across merged entities
• +2 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• LegambientecoreStrategic or Co-development PartnerEnvironmental partnership focused on sustainability initiatives. Legambiente is a major Italian environmental organization, and the partnership supports BCC Veneta's environmental sustainability commitments and objectives.
• Veneta Con Te ETScoreStrategic or Co-development PartnerMutualistic association founded by BCC Veneta offering members health, social, and cultural benefits. Activities include medical refunds, MutuaSalus emergency services, prevention campaigns, family subsidies, youth support, cultural events, and leisure activities.
• Gruppo Bancario Cooperativo IccreacoreOthersBCC Veneta is part of Gruppo BCC Iccrea, the largest Italian cooperative banking group, the only nationally present group with entirely Italian capital, and fourth in Italy by total assets. Parent company is Iccrea Banca S.p.A. headquartered in Rome.
• Cantiere delle DonneminorStrategic or Co-development PartnerSocial Association promoting women's role in society and gender equality. BCC Veneta supports the 'Il Cantiere Letterario 2026' literary series with 8 meetings featuring authors and writers from the territory.
• Libreria Traverso (Vicenza)minorChannel Partner/ Reseller/ DistributorPartner bookstore for BCC Book Club initiative, offering 5% discount on selected books. Located in Vicenza, supporting the bank's cultural initiatives and community engagement programs.
• CUOA Business SchoolminorOthersManagerial training partnership for BCC Veneta's managers and future leaders, focused on developing management skills, strategic vision, and change leadership capabilities.
• CBI Globe (Global Open Banking Ecosystem)coreTechnology or IntegrationOpen banking platform enabling PSD2-compliant Third Party Provider access to banking services. CBI Globe provides the dedicated interface for TPPs to access account information and payment services under European regulations.
• Numia S.p.A.coreTechnology or IntegrationElectronic Money Institution issuing CartaBCC Credit and CartaBCC Debit cards distributed through BCC Veneta branches. Provides card services, POS terminal support, and mobile payment integrations (Apple Pay, Samsung Pay, Google Pay, Garmin Pay).

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Credito Emiliano (Credem): Mid-sized Italian commercial bank with strong regional roots in Emilia-Romagna and nationwide expansion; comparable in offering a full suite of retail/SMB banking, insurance distribution, and digital services to a similar customer profile.
• Banca Sella: Italian cooperative-origin commercial bank offering retail, SMB, and private banking across Northern Italy with similar community-rooted identity and comparable product breadth including cards and digital banking.
• Banca Popolare di Sondrio: Italian cooperative-popular bank with deep regional roots in Northern Italy, offering retail, corporate, and private banking — closely comparable to BCC Veneta's mutualistic identity and territorial banking model.

Emerging players

• Illimity Bank: Italian digital-native bank targeting SMBs and corporate niches; relevant as a competitor for BCC Veneta's SME and factoring/lending customers, especially where speed and digital UX are decisive.
• Banca Ifis: Italian bank specializing in factoring, leasing, and SME credit — directly overlapping with BCC Veneta's leasing and factoring offerings for businesses in the same territory.
• Banca Progetto: Italian digital bank focused on personal loans, payroll-backed lending, and SME financing; competes with BCC Veneta in the personal-loans and small-business financing product lines.

Broad incumbents

• Banca Mediolanum: Italian retail bank with strong distribution across Northern Italy via financial advisors; competes with BCC Veneta in retail savings, mortgages, and advisory, with a broader geographic reach and digital-led model.
• Banca Monte dei Paschi di Siena (MPS): Major Italian universal bank with retail and corporate offerings nationwide, including Northern Italy; competes with BCC Veneta in retail banking, mortgages, and SMB services as a much larger incumbent.
• Banco BPM: Major Italian retail/commercial bank with significant presence in Veneto and Lombardia; competes head-to-head with BCC Veneta in SMB and mortgage markets but operates at materially larger scale with a broader product shelf.
• Cassa Centrale Banca – Credito Cooperativo Italiano: Head of the rival Italian cooperative-banking group to which BCC Veneta's parent (Iccrea) is the main alternative; comparable in cooperative mandate and product set but coordinates a different national network of BCCs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/bcc_banca
• YouTubeyoutube.com/@bccveneta
• Facebookfacebook.com/BCCVeneta
• LinkedInlinkedin.com/company/bccveneta

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 Veneta