Banca di Credito Cooperativo del Metauro Soc. Coop.
BCC Metauro is an Italian cooperative bank founded in 1911 and a member of Gruppo BCC Iccrea, operating 14 branches and 18 ATMs across 48 municipalities in Marche, Umbria, Emilia-Romagna, and Tuscany. It serves approximately 4,934 soci plus retail individuals, young customers, and SMEs with banking, lending, insurance, and digital services via the RelaxBanking platform.
- Company typePrivate
- Founded1911
- HeadquartersTerre Roveresche, Italy
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Banca di Credito Cooperativo del Metauro Soc. Coop. does
Banca di Credito Cooperativo del Metauro Soc. Coop. (BCC Metauro) is an Italian cooperative bank (Società Cooperativa) founded on 30 December 1911 and headquartered in Orciano di Pesaro, Terre Roveresche, in the Province of Pesaro e Urbino, Marche region. It operates as a member bank of Gruppo Bancario Cooperativo Iccrea, with Iccrea Banca S.p.A. exercising direction and coordination as the parent capogruppo. The bank serves approximately 4,934 cooperative members (soci) plus a broader retail and SME customer base across 48 municipalities in the Marche, Umbria, Emilia-Romagna, and Tuscany regions through a network of 14 branches and 18 ATMs, supported by 102 employees.
Its product portfolio spans traditional retail and SME banking: current accounts, mortgages, and personal loans (the latter distributed via Crediper under Gruppo BCC Iccrea); payment cards including CartaBCC Credit Visa, CartaBCC Debit Business, and prepaid cards issued by Numia S.p.A.; SmartPOS Connect merchant terminals; life insurance (BCC Vita Level Plus variants), accident insurance (Infortuni Protetti), and natural catastrophe business cover (Bcc Assicurazioni Catastrofi Naturali Impresa); pension funds and capital accumulation plans (PAC); and leasing products (Leasing Targato Pesante) plus Iper Ammortamento tax-incentive financing for business investment. Digital channels include the RelaxBanking home-banking platform (group-managed), a WhatsApp channel activated in 2025, and a PSD2-compliant dedicated TPP interface exposed via CBI Globe with Banca d'Italia-granted exemption from the fall-back solution obligation.
BCC Metauro's revenue mechanics follow the standard Italian cooperative banking model: net interest income from lending to individuals, families, and local businesses; fee and commission income from payments, cards, SEPA direct debits, and account services; and bancassurance / wealth-management distribution fees from BCC Vita, Bcc Assicurazioni, Iccrea Banca investment products, and pension funds. Customer segments are Individuals/Families (primary), Businesses/Entities (primary), Young Customers (Giovani), and Cooperative Members (Soci) — with members receiving preferential terms, governance participation, and dedicated programs such as BCC Soci, Bonus Bebè, and the PIAZZE festival / BCC Book Club community events. The bank is supervised under the Albo delle banche framework, holds IVASS registration (RUI D000026932) for insurance distribution, and participates in the cooperative banking Deposit Guarantee Fund (Fondo di Garanzia dei Depositanti del Credito Cooperativo) and Fondo Nazionale di Garanzia.
Banca di Credito Cooperativo del Metauro Soc. Coop. firmographics
Firmographics- Name
- Banca di Credito Cooperativo del Metauro Soc. Coop.
- Legal name
- BANCA DI CREDITO COOPERATIVO DEL METAURO S.C.
- Website
- https://metauro.bcc.it
- Company type
- Private
- Founded year
- 1911
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- BCC Metauro is an Italian cooperative bank founded in 1911 and a member of Gruppo BCC Iccrea, operating 14 branches and 18 ATMs across 48 municipalities in Marche, Umbria, Emilia-Romagna, and Tuscany. It serves approximately 4,934 soci plus retail individuals, young customers, and SMEs with banking, lending, insurance, and digital services via the RelaxBanking platform.
- Ownership category
- akta.pro rank
Banca di Credito Cooperativo del Metauro Soc. Coop. industry classification
Industry- Product category
- Retail and Cooperative Banking
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (52211), Commercial Banking (522110)
- SIC
- State Commercial Banks (6022), National Commercial Banks (6021)
- akta.pro primary industry
- Digital Banking & Neobank Platforms (BPAMAFAD)
Keywords
Where Banca di Credito Cooperativo del Metauro Soc. Coop. is headquartered
LocationHeadquarters
- HQ city
- Terre Roveresche
- HQ country
- Italy
- HQ region
- Europe
Offices1 record
Markets served
Banca di Credito Cooperativo del Metauro Soc. Coop. business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others
Revenue model
- Interest Income from Lending: Traditional banking revenue from interest earned on loans and mortgages extended to individuals, families, and businesses in the local territory.
- Deposit Taking and Interest Expense: Acceptance of customer deposits and savings products, paying interest to depositors and using funds for lending activities.
- Fee and Commission Income: Fees from payment services (cards, transfers, SEPA direct debits), account management, investment products distribution, insurance products (BCC Vita, Infortuni Protetti, Bcc Assicurazioni), and pension funds.
- Insurance Distribution: Bancassurance revenue from distribution of insurance products including life insurance (BCC Vita Level Plus), accident insurance, and natural disaster coverage for businesses.
- Investment Products and Wealth Management: Distribution of investment funds, capital accumulation plans (PAC), pension funds, and bonds including its own bond issuances and Iccrea Banca bonds.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Standard banking products with regulated pricing disclosed in information sheets |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels7 records
Banca di Credito Cooperativo del Metauro Soc. Coop. product offering
Product offeringCore offering
BCC Metauro is a cooperative bank (Banca di Credito Cooperativo) that provides retail and commercial banking services through 14 branches in the Marche, Umbria, Emilia-Romagna, and Tuscany regions of Italy. Its core offering includes current accounts, mortgages, personal and business loans, payment cards (CartaBCC credit, debit, and prepaid), merchant POS services, insurance distribution (BCC Vita, Bcc Assicurazioni), pension funds, and investment products, delivered through the RelaxBanking digital platform and the bank's relationship-managed branch network.
Product overview
BCC Metauro offers a comprehensive banking and financial services portfolio through its network of 14 branches. The core digital banking platform is RelaxBanking for online account management. The product range includes current accounts for different segments (Privati/Famiglie, Giovani, Imprese, Soci), mortgage loans, personal loans via Crediper partnership, credit cards (CartaBCC Credit Visa), prepaid cards (CartaBCC family), SmartPOS merchant services, life and non-life insurance products (BCC Vita Level Plus, Infortuni Protetti, Catastrofi Naturali), pension funds and capital accumulation plans (PAC), vehicle leasing, and member-exclusive programs. The bank also provides digital communication channels including WhatsApp and ESG tracking tools.
Differentiator
Problem solved
Functional benefit
Brands
- RelaxBanking: Home banking digital platform offered to customers of BCC Metauro
- Metauro Mutua ETS
Products and services
- Conti Corrente (Current Accounts) Current accounts offered across customer segments (Privati e Famiglie, Giovani, Imprese, Soci) with features varying by segment, distributed through the branch network and RelaxBanking.
- Mutui (Mortgage Loans) Mortgage loan products for property purchases, with online rate and TAEG calculation tools available via the bank's website.
- RelaxBanking Home Banking Platform Online and mobile banking platform enabling customers to manage accounts, payments, card controls, and financial services online. Part of the Gruppo BCC Iccrea shared technology infrastructure.
- CartaBCC Credit Visa Credit card product on the Visa circuit for retail customers, issued through Numia S.p.A. (formerly BCC Pay S.p.A.).
- CartaBCC Prepaid Card Family Prepaid card family including CartaBCC Tasca, CartaBCC TascaConto (prepaid with IBAN), and CartaBCC TascaBusiness, issued by Numia S.p.A. (formerly BCC Pay S.p.A.).
- SmartPOS Connect and CartaBCC Debit Business Point-of-sale terminal solution combined with CartaBCC Debit Business card for merchants and business customers, enabling card payment acceptance and business expense management.
- Crediper Online Personal Loans Online personal loan product offered in partnership with Credito Consumo (Crediper), accessible through the bank's digital channels for consumer credit.
- BCC Vita Level Plus Life Insurance Life insurance products distributed through the branch network, including BCC Vita Level Plus Soci (for cooperative members) and BCC Vita Level Plus and Plus Top variants for retail customers, underwritten by BCC Vita (Gruppo BCC Iccrea).
- Fondo Pensione (Pension Fund) Pension fund product for retirement savings and pension accumulation, distributed through the bank's branch network.
- Piano di Accumulo Capitale (PAC) Capital accumulation plan enabling customers to make systematic periodic investments, distributed through the branch network.
- Infortuni Protetti Accident Insurance Personal accident insurance protection product distributed through the branch network, underwritten by Bcc Assicurazioni.
- Bcc Assicurazioni Catastrofi Naturali Impresa Natural catastrophe insurance product designed for business customers to protect against natural disasters, underwritten by Bcc Assicurazioni (Gruppo BCC Iccrea).
- Leasing Targato Pesante Leasing product for heavy vehicles (trucks and commercial vehicles), serving business customers' equipment financing needs.
- Iper Ammortamento Financing Financing product supporting business investments in capital goods that benefit from Italian hyper-amortization (Iper Ammortamento) tax incentives.
- Metauro Mutua ETS Mutual aid society (Ente del Terzo Settore) associated with BCC Metauro, providing supplementary health and welfare services to its members.
- BCC Soci Member Loyalty Program Member reward program and prize operation (operazione a premi) dedicated to cooperative members (soci), offering loyalty benefits for being a shareholder of the bank.
- Bonus Bebè Member Initiative Baby bonus initiative for cooperative members (soci) with children under 24 months old, reinforcing the bank's community and family-oriented cooperative identity.
Quantifiable outcome
- Fitch Ratings BBB+ for parent Iccrea Banca (2026 upgrade from BBB), reflecting strong capital ratios and regulatory compliance
- +2 more outcomes
Companies that use Banca di Credito Cooperativo del Metauro Soc. Coop.
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Banca di Credito Cooperativo del Metauro Soc. Coop. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
Banca di Credito Cooperativo del Metauro Soc. Coop. partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core, secondary and minor.
- Gruppo Bancario Cooperativo IccreacoreBCC Metauro is a member bank of Gruppo Bancario Cooperativo Iccrea, the largest cooperative banking group in Italy. Gruppo BCC Iccrea acts as the parent banking group providing direction, coordination, shared technology platforms (RelaxBanking), investment products, insurance partnerships, and regulatory oversight. Iccrea Banca S.p.A. is the central institution (capogruppo) exercising direction and coordination.
- Iccrea Banca S.p.A.coreIccrea Banca is the central bank (capogruppo) of Gruppo Bancario Cooperativo Iccrea. It provides technology infrastructure including RelaxBanking, distributes bonds and investment products, and coordinates regulatory compliance. BCC Metauro acts as a distribution channel for Iccrea Banca products.
- BCC Vita (Gruppo BCC Iccrea Insurance)coreBCC Vita is the life insurance company of Gruppo BCC Iccrea. BCC Metauro distributes life insurance products including BCC Vita Level Plus Soci and BCC Vita Level Plus Top through its branch network.
- Bcc Assicurazioni (Gruppo BCC Iccrea)coreBcc Assicurazioni provides non-life insurance products distributed by BCC Metauro including natural disaster coverage for businesses (Catastrofi Naturali Impresa) and accident insurance (Infortuni Protetti).
- Numia S.p.A. (formerly BCC Pay S.p.A.)coreNumia S.p.A. is the electronic money institution (Istituto di Moneta Elettronica) of Gruppo BCC Iccrea that issues CartaBCC payment cards including CartaBCC Tasca, CartaBCC TascaConto, and CartaBCC TascaBusiness prepaid cards, and CartaBCC Credit Visa and CartaBCC Debit Business cards.
- Credito Consumo (Crediper)secondaryCredito Consumo (Crediper) is a consumer credit entity within Gruppo BCC Iccrea. BCC Metauro distributes Crediper online loans (Prestito Online Crediper) through its website, providing personal loans to customers.
- Metauro Mutua ETSsecondaryMetauro Mutua ETS is a mutual aid society (Ente di Terzo Settore) associated with BCC Metauro, providing supplementary health and welfare services to members. It operates independently but is closely linked to the bank.
- Caritas ItalianaminorCaritas Italiana is the charitable arm of the Italian Catholic Church. BCC Metauro collaborated with Caritas Italiana in the 2023 earthquake relief fund collection for Turkey and Syria, channeling donations through designated accounts managed by Federcasse (the cooperative banking federation).
- CBI Globe (Consorzio Bancon Italiane)coreCBI Globe is the open banking platform providing PSD2-compliant interfaces for third-party payment service providers. All Gruppo BCC Iccrea banks, including BCC Metauro, connect through CBI Globe for open banking access by TPPs.
- iDEE (Associazione delle donne del credito cooperativo)minoriDEE is an association promoting female entrepreneurship and presence of women in cooperative banking leadership. BCC Metauro is a supporting member (socio sostenitore) contributing to gender equality initiatives in the cooperative banking sector.
- FedercassecoreFedercasse is the federation of Italian cooperative banks (Banche di Credito Cooperativo, Casse Rurali, Casse Raiffeisen). It coordinates national initiatives, advocacy, and charitable programs including earthquake relief collections and community development projects.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Banca di Credito Cooperativo del Metauro Soc. Coop. competitors and assessment
Company assessmentBroad incumbents
- Banca Popolare di Puglia e Basilicata: Mid-sized regional Italian bank with retail and SME banking focus across southern regions. Broader incumbent peer — larger scale and more diversified product set than BCC Metauro, but comparable in targeting local SMEs, families, and community-based relationships.
- Intesa Sanpaolo: Largest Italian banking group and dominant national retail/SME bank. Competes with BCC Metauro for retail customers, SMEs, and municipalities across its operating territory, with materially larger balance sheet, technology investment, and product breadth.
- BPER Banca: Large Italian commercial bank with deep presence across Emilia-Romagna and central Italy, including the Marche/Umbria provinces where BCC Metauro operates. Competes for the same retail and SME customers with broader product range, larger balance sheet, and more developed digital channels.
Direct peers
- Banca di Credito Cooperativo di Milano: BCC operating in the Lombardy region with retail, family, and SME banking products and a similar territorial cooperative model. Comparable to BCC Metauro in governance, products, and target segments, though operating in a more urbanized and competitive territory.
- Banca Popolare Etica: Italian cooperative-style bank with a values-driven, community-anchored model and member/shareholder governance. Comparable to BCC Metauro in operating as a relationship-based bank for retail and ethical/social lending, though with a national rather than territorial footprint.
- BCC di Roma: One of the largest BCCs within Gruppo BCC Iccrea, operating with a similar cooperative banking model, member-based governance, and multi-channel retail/SME banking offering in the Lazio region. Directly comparable business model and product set to BCC Metauro at larger scale.
- Cassa Padana BCC: BCC operating across northern Italian provinces with retail/SME banking and full cooperative banking services. Comparable to BCC Metauro in cooperative ownership, branch-led distribution, and member-oriented product portfolio.
- Cassa Centrale Banca – Credito Cooperativo Italiano: Head of the second-largest Italian cooperative banking group (Gruppo Cassa Centrale), peer to Gruppo BCC Iccrea. Both compete for BCC members, share the same cooperative banking regulatory framework, and offer comparable retail/SME products through affiliated BCCs — making Cassa Centrale's affiliated banks direct structural peers to BCC Metauro.
- La Cassa di Ravenna: Regional cooperative-rooted bank in Emilia-Romagna with a multi-branch, retail/SME focus on local communities. Highly comparable to BCC Metauro in terms of scale (mid-sized), product set, and territory-based banking model, though independent rather than part of a cooperative group.
Others
- Iccrea Banca S.p.A. Parent entity (capogruppo) of Gruppo BCC Iccrea and direct shareholder/coordinator of BCC Metauro. Included as a related-party reference rather than a competitor — provides the platform, products, and technology infrastructure that BCC Metauro distributes to its customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Banca di Credito Cooperativo del Metauro Soc. Coop. social profiles
Digital presenceBanca di Credito Cooperativo del Metauro Soc. Coop. compliance and trust
Trust signalCompliance1 record
Banca di Credito Cooperativo del Metauro Soc. Coop. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Banca di Credito Cooperativo del Metauro Soc. Coop. leadership team
Management profileNumber of profiles
Profiles17 records
Banca di Credito Cooperativo del Metauro Soc. Coop. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Banca di Credito Cooperativo del Metauro Soc. Coop. 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 di Credito Cooperativo del Metauro Soc. Coop.
What does Banca di Credito Cooperativo del Metauro Soc. Coop. do?
BCC Metauro is a cooperative bank (Banca di Credito Cooperativo) that provides retail and commercial banking services through 14 branches in the Marche, Umbria, Emilia-Romagna, and Tuscany regions of Italy. Its core offering includes current accounts, mortgages, personal and business loans, payment cards (CartaBCC credit, debit, and prepaid), merchant POS services, insurance distribution (BCC Vita, Bcc Assicurazioni), pension funds, and investment products, delivered through the RelaxBanking digital platform and the bank's relationship-managed branch network.
Is Banca di Credito Cooperativo del Metauro Soc. Coop. a public or private company?
Banca di Credito Cooperativo del Metauro Soc. Coop. is a private company. It is classified as management employee owned and is currently operating.
When was Banca di Credito Cooperativo del Metauro Soc. Coop. founded?
Banca di Credito Cooperativo del Metauro Soc. Coop. was founded in 1911. It employs 1 to 10 people.
Where is Banca di Credito Cooperativo del Metauro Soc. Coop. based?
Banca di Credito Cooperativo del Metauro Soc. Coop. is headquartered in Terre Roveresche, Italy, in the Europe region.
How does Banca di Credito Cooperativo del Metauro Soc. Coop. make money?
Five revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Taking and Interest Expense, fee and Commission Income, insurance Distribution and investment Products and Wealth Management.
Who are Banca di Credito Cooperativo del Metauro Soc. Coop.'s main competitors?
Broad incumbents on record are Banca Popolare di Puglia e Basilicata, Intesa Sanpaolo and BPER Banca. Direct peers are Banca di Credito Cooperativo di Milano, Banca Popolare Etica, BCC di Roma, Cassa Padana BCC, Cassa Centrale Banca – Credito Cooperativo Italiano and La Cassa di Ravenna. Iccrea Banca S.p.A. is listed as an others.
Does Banca di Credito Cooperativo del Metauro Soc. Coop. have an API?
Yes. BCC Metauro provides a dedicated interface for Third Party Providers (TPPs) under PSD2 (Payment Service Directive 2, EU 2015/2366) regulations. The interface is available through CBI Globe – Global Open Banking Ecosystem platform. All BCC Iccrea banks have obtained exemption from the fall-back solution obligation from Banca d'Italia. From June 1, 2019, the dedicated interface is available in production for authorized TPPs. TPPs can access documentation, sandbox testing environment, and connect through CBI Globe registration portal. Developer documentation is at www.cbiglobe.com/Wiki/?RARequestUrl=Wiki.
What industry is Banca di Credito Cooperativo del Metauro Soc. Coop. in?
Banca di Credito Cooperativo del Metauro Soc. Coop.'s product category is Retail and Cooperative Banking. Its primary akta.pro industry code is BPAMAFAD, Digital Banking & Neobank Platforms. Its NAICS code is 5221 and its SIC code is 6022.