BCC Filottrano - Banca di Credito Coopertativo di Filottrano

What BCC Filottrano - Banca di Credito Coopertativo di Filottrano does

BCC Filottrano (Banca di Credito Cooperativo di Filottrano) is an Italian mutual cooperative bank headquartered in Filottrano, Ancona (Marche region), founded in 1952 and operating with 68 employees across its headquarters and a renovated Camerano branch (active in Camerano since 1896, refurbished October 2024). It is affiliated with Gruppo Bancario Cooperativo Iccrea, Italy's largest cooperative banking group of approximately 130 BCC banks, which provides the shared technology backbone, product factories, and governance overlay. The bank serves individuals, families, young customers (0-35), SMEs, and cooperative members (Soci) in the local territory through a branch-led, community-rooted distribution model supplemented by the group-shared RelaxBanking digital platform.

Its product portfolio spans retail current accounts (Conto Generazione BCC for ages 18-35 with free maintenance until age 25, and Conto Generazione BCC Junior for ages 0-18), mortgages bundled with insurance coverage (Mutuo al Sicuro 3.0 and Mutuo Incendio Protetto), debit cards (CartaBCC Debit and CartaBCC Green variants with Apple Pay/Samsung Pay/Google Pay/Garmin Pay tokenization), merchant acquiring (POS Mini mobile terminal supporting Satispay and Bancomat Pay), SME financing (BCC Leasing across photovoltaic, heavy vehicle, nautical, and instrumental lines), and consumer mobility (Rentup long-term auto rental in partnership with Arval). PSD2 open banking is delivered via the CBI Globe platform with Banca d'Italia exemption from fallback requirements, and fraud prevention relies on strong customer authentication.

The business model combines net interest income from lending and leasing, transaction-based fee income on accounts and card acquiring, recurring commissions from bancassurance distribution (BCC Assicurazioni, BCC Vita), and leasing spreads, all delivered through a multi-channel motion spanning physical branches, the RelaxBanking web and mobile app, ATM network, and group-level campaigns. As a cooperative, ownership is distributed among member-customers who hold voting rights and participate in mutualistic governance.

Name

BCC Filottrano - Banca di Credito Coopertativo di Filottrano

Legal name

Banca di Credito Cooperativo di Filottrano

Website

https://filottrano.bcc.it

Company type

Private

Founded year

1896

Operating status

Operating

Headcount range

51–100 employees

Short description

BCC Filottrano is an Italian mutual cooperative bank affiliated with Gruppo BCC Iccrea, serving individuals, families, young people, SMEs, and cooperative members in the Filottrano-Camerano territory with retail accounts, mortgages, debit cards, leasing, and bancassurance via branches and the RelaxBanking digital platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Filottrano

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional lending operations including mortgages (Mutuo al Sicuro 3.0, Mutuo Incendio Protetto), personal loans, and business financing including leasing solutions
2. Fee and Commission Income: Account maintenance fees, payment services, card transaction fees, and investment service commissions
3. Insurance Distribution: Bancassurance products including Mutuo al Sicuro 3.0 insurance, Mutuo Incendio Protetto, and catastrophe insurance (BCC Assicurazioni, BCC Vita)
4. Leasing Services: Equipment and vehicle leasing through BCC Leasing including photovoltaic, heavy vehicles, nautical, and instrumental leasing

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

BCC Filottrano is a cooperative bank (Banca di Credito Cooperativo) offering retail and commercial banking services. Its core offerings include current accounts, mortgages, personal loans, business financing and leasing, debit cards, payment services, bancassurance products, and digital banking via the RelaxBanking platform. The bank operates under a mutualistic model, collecting local savings and reinvesting them in the Filottrano and Marche territory.

Product overview

BCC Filottrano offers a comprehensive banking portfolio through its affiliation with Gruppo BCC Iccrea. The core offerings include Conto Generazione BCC (for ages 18-35) and Conto Generazione BCC Junior (for ages 0-18), supported by the RelaxBanking digital platform with mobile app. The bank provides CartaBCC debit cards (including sustainable CartaBCC Green variants), mortgage insurance products (Mutuo al Sicuro 3.0, Mutuo Incendio Protetto), merchant payment solutions (POS Mini), and business financing (BCC Leasing). Long-term vehicle rental is available through Rentup in partnership with Arval. The product ecosystem is unified through RelaxBanking, which connects all accounts, cards, and services, while integration with Apple Pay, Samsung Pay, Google Pay, and Garmin Pay enables mobile payments.

Differentiator

Problem solved

Functional benefit

Brands

• RelaxBanking: Home banking service offered by BCC Filottrano and other BCC banks in the Iccrea group
• Conto Generazione BCC
• Conto Generazione BCC Junior
• CartaBCC
• Mutuo al Sicuro 3.0
• Mutuo Incendio Protetto
• POS Mini
• BCC Leasing

Products and services

• Conto Generazione BCC Current account for young adults aged 18-35 with zero euro maintenance fees up to age 25, free online transfers, and flexible money management via RelaxBanking App and PC. Includes CartaBCC debit card with choice of CartaBCC Debit or sustainable CartaBCC Green variant.
• Conto Generazione BCC Junior Current account for young people from birth to age 18 with zero euro account maintenance fees and free RelaxBanking service. Parents monitor children's financial activity while teaching savings and expense management. CartaBCC Green Minori debit card available from age 14.
• RelaxBanking Home banking service of Gruppo BCC Iccrea enabling clients to consult account information, manage payment cards, execute transfers, pay bills, and authorize operations remotely via web and mobile app.
• CartaBCC Debit card brand of Gruppo BCC Iccrea, issued by Numia S.p.A. Includes CartaBCC Debit, CartaBCC Green (sustainable lifestyle with CO2 tracking), and CartaBCC Green Minori (for minors from age 14). Supports Apple Pay, Samsung Pay, Google Pay, and Garmin Pay.
• Mutuo al Sicuro 3.0 Optional insurance policy for BCC mortgage clients (new or existing) covering death, total permanent disability (>=60%), involuntary job loss (private employees), temporary total disability, and hospitalization. Protects mortgage payments up to 12 months per claim (max 36 months).
• Mutuo Incendio Protetto Customizable building insurance protecting mortgage borrowers from fire, lightning, explosion, and other events. Covers natural events (storms, hail, wind), socio-political events (vandalism), water damage, and civil liability. New Value formula provides indemnity for complete repair costs without depreciation.
• POS Mini Compact, portable payment terminal with built-in connectivity (SIM data or Wi-Fi) for mobile workers, freelancers, and small businesses. Accepts all card types, contactless, digital wallets, and alternative methods (Satispay, Bancomat Pay). Includes accessibility feature with voice commands for visually impaired users.
• BCC Leasing Leasing solutions for businesses of all sizes and sectors, including Photovoltaic Leasing (energy savings), Heavy Vehicle Leasing (transport), Nautical Leasing, and Equipment Leasing for machinery and plants. Includes insurance policies and hyper-depreciation benefits (up to 180% for 4.0 technologies).
• Rentup Auto Long-Term Rental Long-term vehicle rental service offered in partnership with Arval, providing cars with included insurance (RCA), fire/theft coverage, roadside assistance, and maintenance. Services included in monthly fee. Available for individuals and businesses through Gruppo BCC Iccrea.

Quantifiable outcome

• Low ESG Risk Rating 13.7 from Morningstar Sustainalytics
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability1 record

Feature4 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• Sistema Sanitario Regionale 118minorOthers · 2 December 2024Regional health emergency system connected to the 6 automated external defibrillators (DAE) donated by BCC Filottrano for the Filottrano Cardioprotetta project.
• CBI Globe - Global Open Banking EcosystemcoreTechnology or Integration · 1 June 2019PSD2-compliant open banking interface platform enabling third-party payment service providers to access account information and payment services. Gruppo BCC Iccrea banks have obtained exemption from fallback solution from Banca d'Italia.
• Gruppo Bancario Cooperativo IccreacoreStrategic or Co-development PartnerBCC Filottrano is an affiliated bank member of the Gruppo Bancario Cooperativo Iccrea, the largest cooperative banking group in Italy. The group provides centralized services, technology platforms (including RelaxBanking), product development, and governance framework.
• Numia S.p.A.coreTechnology or IntegrationElectronic money institution issuing CartaBCC debit cards and providing payment infrastructure including POS terminals and mobile payment solutions.
• BCC Leasing SpAcoreChannel Partner/ Reseller/ DistributorSubsidiary of Gruppo BCC Iccrea providing leasing solutions (photovoltaic, heavy vehicles, nautical, instrumental) promoted through affiliated BCC banks.
• BCC Assicurazioni S.p.A.coreChannel Partner/ Reseller/ DistributorInsurance company providing property and risk insurance products distributed through BCC network including Mutuo Incendio Protetto.
• BCC Vita S.p.A.coreChannel Partner/ Reseller/ DistributorLife insurance company offering savings and investment insurance products, part of Gruppo Assimoco and BNP Paribas Cardif group.
• Arval Service Lease Italia S.p.A.minorChannel Partner/ Reseller/ DistributorVehicle leasing partner for Rentup long-term car rental service offered through Gruppo BCC Iccrea banks.

Scale indicators5 records

Recent moves7 records

Expansion highlights3 records

Direct peers

• Cassa Centrale Banca: Head of the parallel Italian cooperative banking group (Credito Cooperativo Italiano) comprising roughly 60+ affiliated BCC and Casse Rurali banks. Directly comparable to BCC Filottrano as a small Italian mutual bank operating under the same BCC regulatory framework but affiliated with the competing cooperative group.
• Emil Banca: Large Italian cooperative bank (BCC) headquartered in Bologna, serving Emilia-Romagna. Operates the same mutualistic BCC model, accepts deposits, extends credit to local businesses and families, and is part of the broader cooperative banking ecosystem; directly comparable in product mix and target segments to BCC Filottrano.
• Banca di Bologna (Credito Cooperativo): Italian BCC serving the Bologna metropolitan area with retail, SME and youth banking products under the cooperative structure. Closely comparable operating model and customer mix to BCC Filottrano, with a similar community-bank identity and mutual ownership.
• BCC Roma: One of the largest Italian cooperative banks, affiliated with the Iccrea group like BCC Filottrano. Directly comparable as a BCC offering current accounts, mortgages, leasing and insurance to retail and SME customers under the cooperative mutualistic framework.
• Cassa Padana BCC: Mid-sized Italian BCC operating in Lombardy with full retail and SME banking services plus leasing and insurance distribution. Comparable BCC operating model, customer base (families, SMEs, young customers), and product breadth to BCC Filottrano.

Broad incumbents

• Intesa Sanpaolo: Largest Italian banking group by total assets, offering the full retail/SME product stack (accounts, mortgages, insurance, leasing) through a national branch network. Competes with BCC Filottrano for the same retail and SME customers in Filottrano and Camerano, but at vastly greater scale.
• UniCredit: Major pan-European banking group with a large Italian retail and SME franchise. Directly comparable as a competitor in retail banking, mortgages, payments, and SME lending in the Marche region, though operating at national/international scale versus BCC Filottrano's local community focus.
• ICCREA Banca: Parent banking entity of the Gruppo Bancario Cooperativo Iccrea to which BCC Filottrano belongs. Comparable as the group-level platform providing RelaxBanking, CBI Globe, CartaBCC, leasing and insurance infrastructure used by BCC Filottrano, but operating at vastly larger scale across 100+ BCC affiliates.
• Credito Emiliano (Credem): Mid-sized Italian retail and private bank with strong regional presence and broad product portfolio. Comparable as an Italian retail/SME competitor with branches in regional markets, though operating as a joint-stock company rather than a cooperative.

Emerging players

• Banca Sella: Italian family-owned commercial bank with a strong digital and innovation focus (Sella Personal Credit, diverse payment services). Comparable as a community-rooted Italian retail bank competing for the same households and SMEs in the digital channel, though without the cooperative ownership structure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/banca-di-credito-cooperativo-di-filottrano---societ%C3%A0-cooperativa
• Instagraminstagram.com/bccfilottrano

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

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 Filottrano - Banca di Credito Coopertativo di Filottrano