Caja Rural de Teruel

What Caja Rural de Teruel does

Caja Rural de Teruel Sociedad Cooperativa de Crédito is a regional cooperative credit institution headquartered in Teruel, Spain, founded in 1920 and operating continuously for over 105 years. It serves retail (Particulares), self-employed (Autónomos), businesses (Empresas), agricultural (AGRO Rural), private banking, and youth (Joven IN) customer segments through a network of 73 branches and 56 ATMs concentrated in the province of Teruel, with a newly opened enterprise office in Valencia as of Q1 2026. The institution has 224 employees, 31,000+ cooperative members, and manages resources exceeding €2.26 billion as of FY2025.

The core technology stack is the Ruralvía digital banking platform, delivered across web, mobile (iOS and Android), and a brokerage channel (Ruralvía Bróker) providing access to Spanish (IBEX 35, Mercado Continuo, BME Growth) and international equities. Value-added modules include Bizum for instant payments, Mi Negocio (a business management dashboard with TPV analytics), Verifactu electronic invoicing, Buzón Virtual (digital mailbox), push notifications, and payments integrations (Apple Pay, Google Pay). Products and services are supported by a shared cooperative ecosystem through Gescooperativo (asset management) and RGA Mediación (insurance), both part of the wider Grupo Caja Rural network via Banco Cooperativo Español as depository.

The bank's business model combines net interest margin (€37.6M in 2025), fee-based revenue from investment fund distribution (AUM up 24.75%), insurance mediation (new production up 16.8%), pension plans (RGA Renta Variable Española delivering 53.39% returns, the Spanish market leader), brokerage commissions, and TPV/POS payment processing. Pricing tiers include the 'Cuenta Hazte Cliente' digital account with zero first-year commissions and the 'Carteras Premium' discretionary portfolio service with a €300,000 minimum investment threshold. Distribution relies on a hybrid model of physical branch presence, agricultural-specialist offices (Teruel and Alcañiz), digital onboarding via the Ruralvía app, and the Digital Office remote advisory service handling 15,000+ consultations in 2025. Regulatory capital strength is a defining feature: a 28.21% CET1 ratio, 11.84% ROE, 411.46% LCR, and consistent NPL reductions (18.13% YoY for the sixth consecutive year) underscore a conservative, locally embedded franchise.

Name

Caja Rural de Teruel

Legal name

Caja Rural de Teruel Sociedad Cooperativa de Crédito

Website

https://ruralteruel.com

Company type

Private

Founded year

1920

Operating status

Operating

Headcount range

101–250 employees

Short description

Caja Rural de Teruel is a Spanish cooperative credit institution founded in 1920, serving retail, agricultural, self-employed, business, and private banking customers in Teruel province through 73 branches and the Ruralvía digital banking platform, with over 31,000 cooperative members.

Ownership category

akta.pro rank

Headquarters

HQ city

Teruel

HQ country

Spain

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Margin: Traditional banking interest income from lending activities including mortgages, personal loans, and business financing. The bank achieved 37.6 million euros in interest margin in 2025, with 4.40% growth in credit investment and 19.06% growth in residential mortgage volume.
2. Investment Funds Management: Distribution of investment funds through Gescooperativo, the Group's asset management company. Managed resources exceeded 2,260 million euros with 24.75% growth in investment funds. Gescooperativo ranks in Top 10 Spanish fund managers by assets under management.
3. Insurance Mediation: Bancassurance services through RGA Mediación as a linked insurance operator. New production grew 16.8% in mediation and 14.33% in non-life insurance. Significant growth in civil liability (94.55%), industrial multi-risk (31.08%), auto (21.73%), and home insurance (14.02%).
4. Pension Plans: Pension plan management with 8.03% growth in managed assets. RGA Renta Variable Española was the most profitable plan in the Spanish market with 53.39% return.
5. Brokerage Services: Stock trading and securities services through Ruralvía Bróker platform with access to national and international stock exchanges
6. TPV/Payment Terminal Services: Point-of-sale terminals and payment processing services for merchants and businesses

Pricing tiers

Go-to-market motion3 records

Distribution channels8 records

Marketing channels11 records

Core offering

Caja Rural de Teruel is a Spanish cooperative credit institution offering a comprehensive suite of retail, business, agricultural, and private banking services. It distributes current accounts, debit/credit cards, mortgages, personal loans, investment funds, pension plans, and insurance products through its 73-branch network and Ruralvía digital banking platform. The bank also operates specialized AGRO Rural offices serving farmers and ranchers, and a private banking service for high-net-worth clients.

Product overview

Caja Rural de Teruel operates as a cooperative credit institution (Sociedad Cooperativa de Crédito) offering a unified digital banking ecosystem centered on the Ruralvía platform. The core product portfolio spans retail banking (accounts, cards, mortgages, personal loans), wealth management (investment funds, pension plans, premium portfolios), insurance distribution, and specialized services for agricultural (AGRO Rural) and business segments. Digital banking is delivered through the Ruralvía web platform and Ruralvía Móvil mobile app, with value-added modules including Ruralvía Bróker for stock trading, TPV services for merchants, international trade capabilities, and specialized youth (Joven IN) and private banking programs. The bank's strategic pillars focus on people-centered service, quality improvement, and sustainable growth through digital innovation.

Differentiator

Problem solved

Functional benefit

Brands

• Ruralvía Móvil: Digital banking mobile application for customers
• Ruralvía Empresas
• Joven IN
• AGRO Rural
• Plan Autónomos Fuera de Serie
• Ruralvía Bróker
• Carteras Premium

Products and services

• Cuenta Hazte Cliente Digital current account available for opening entirely online via the Ruralvía mobile app, with zero commissions during the first year and a bundled debit card. Targets new customers who prefer digital onboarding with video identification.
• Hipotecas y Préstamos Mortgage and personal loan products for property purchase and consumer financing needs, accompanied by online simulators for payment calculations. Mortgage volume grew 19.06% in 2025.
• Fondos de Inversión Investment funds managed by Gescooperativo, the Group's Top 10 Spanish asset manager. Offers equity, fixed income, mixed, and international funds; 24.75% growth in 2025.
• Planes de Pensiones Pension plans for retirement savings with 8.03% growth in managed assets in 2025. The RGA Renta Variable Española plan achieved a 53.39% return, becoming the most profitable in the Spanish market.
• Seguros Comprehensive insurance portfolio including home, auto, life, health, accident, and funeral coverage, distributed through RGA Mediación as a linked insurance operator. New production grew 16.8% in 2025.
• Servicio AGRO Rural Specialized agricultural banking service for farmers and ranchers with dedicated offices in Teruel and Alcañiz. Handles PAC (Common Agricultural Policy) subsidies, with 57%+ of provincial applications domiciled through this service.
• TPV (Terminales Punto de Venta) Point-of-sale terminal services enabling merchants to accept card payments, with associated management and reporting tools for businesses.
• Negocio Internacional International trade services for businesses including foreign exchange operations, international payments and collections, and access to the Comex platform.
• Carteras Premium Premium discretionary investment portfolio management service with a minimum investment threshold of 300,000 euros, offering both equity and Group/International Manager fund investment options.

Quantifiable outcome

• 8.40% profit increase to 18.9 million euros in 2025
• +6 more outcomes

Named customers15 records

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature6 records

Partnerships

17 partnerships are on record, tiered supporting, core and minor.

• AFEDABA Los CalatravossupportingStrategic or Co-development Partner · 15 July 2026Renewed agreement to improve quality of life for people with Alzheimer's and their families through support programs and services.
• Empresarios de la Comarca del MatarrañasupportingStrategic or Co-development Partner · 14 July 2026Renewed collaboration agreement with business owners association to provide banking services and support for local businesses.
• Fundación DiálogoscoreStrategic or Co-development Partner · 7 July 2026Partnership to launch the first knowledge platform to support self-employed workers throughout the year, providing continuous education and resources.
• Club de Fútbol CalamochaminorGTM or Marketing Partner · 29 June 2026Sponsorship agreement with the football club following their promotion to Segunda RFEF, supporting local sports and community engagement.
• Asociación de Turismo del Bajo AragónsupportingStrategic or Co-development Partner · 25 June 2026Renewed agreement providing preferential banking products for association members and economic contribution for training activities.
• Mensajeros de la PazsupportingStrategic or Co-development Partner · 27 May 2026Collaboration on Proyecto Benín solidarity initiative, collecting over 10,000 kg of educational, health, food, and protection materials for children in Benin, Africa. The bank contributed €1 per kilogram collected.
• Cámara de Comercio de TeruelcoreStrategic or Co-development Partner · 4 May 2026Renewed collaboration agreement for business training and development. In 2025, over 150 training actions with 4,350 teaching hours were delivered, reaching nearly 2,500 students across the province.
• Fundación TérvalissupportingStrategic or Co-development Partner · 17 April 2026Joint organization of conferences featuring journalist Antonio Pampliega, bringing over 400 attendees to discuss journalism in conflict zones.
• ASAJA-TeruelcoreStrategic or Co-development Partner · 10 February 2026Renewed collaboration agreement with the Young Farmers Agricultural Association for training actions and sector support. The partnership includes economic contribution for training programs targeting association members in the province.
• UAGAcoreStrategic or Co-development Partner · 10 February 2026Renewed agreement with the Farmers and Ranchers Union for agricultural training and support. Joint initiative to enhance competitiveness of the agricultural sector in Teruel province.
• UPA AragóncoreStrategic or Co-development Partner · 10 February 2026Renewed partnership with the Small Farmers and Ranchers Union for training and sector development activities.
• Asociación Turística Gúdar-JavalambresupportingStrategic or Co-development Partner · 26 January 2026Collaboration agreement to support tourism development in the Gúdar-Javalambre region.
• Fundación TérvalissupportingStrategic or Co-development Partner · 1 January 2026Collaboration on educational and social initiatives, including conferences and community programs.
• RGA MediacióncoreChannel Partner/ Reseller/ DistributorBancassurance operator as a linked insurance operator registered with DGSFP, providing insurance products through the bank's distribution network.
• GescooperativocoreChannel Partner/ Reseller/ DistributorAsset management company and subsidiary providing investment fund products distributed through the bank's network.
• Empresarios Turísticos de AlbarracínsupportingStrategic or Co-development PartnerRenewed collaboration agreement with the tourism businesses association to support the Albarracín tourism sector.
• Truficultores de la provinciasupportingStrategic or Co-development PartnerContinued support for trufficulture sector through specialized agricultural banking services.

Scale indicators22 records

Recent moves8 records

Expansion highlights7 records

Direct peers

• Caja Rural de Navarra: Navarra-based cooperative credit institution within Grupo Caja Rural, with a comparable focus on agricultural lending, retail deposits, and SME banking in a defined regional territory.
• Bantierra (Cooperativa de Crédito Agrícola de Aragón): Aragonese agricultural credit cooperative serving a similar territory to Caja Rural de Teruel with overlapping agricultural and retail banking customers. Closest regional peer given shared Aragón footprint.
• Caja Rural de Granada: Another member of the Grupo Caja Rural network operating as a cooperative credit institution in southern Spain with a similar mix of retail, business, and agricultural banking. Directly comparable in business model, customer segments, and product offering.
• Caja Rural de Asturias: Rural cooperative bank in Asturias, part of the same Grupo Caja Rural, sharing the Ruralvía digital platform and offering a closely analogous product set across retail, agricultural, and business segments.
• Caja Rural de Extremadura: Extremadura-focused cooperative bank in the same Grupo Caja Rural network, with a similar rural/agricultural customer profile and overlapping product portfolio.
• Caja Rural de Toledo: Toledo-based rural cooperative bank sharing Grupo Caja Rural infrastructure, directly comparable in scale, customer segments, and geographic concentration in a Spanish province.

Broad incumbents

• CaixaBank: Spain's largest retail bank with universal banking, asset management, and insurance capabilities across all segments. Competes for the same retail, business, and agricultural customers in Aragón and Valencia.
• Bankinter: Spanish universal bank with strong digital capabilities and SME focus, competing for retail customers, mortgages, and business clients in the bank's expansion markets.
• Ibercaja Banco: Major regional bank headquartered in Aragón (Zaragoza), offering retail, business, and agricultural banking across a broader multi-region footprint. Comparable in customer segments but materially larger scale.
• Banco Santander: Global systemically important bank with deep Spanish retail and SME franchise, competing head-to-head in mortgages, deposits, and business banking in Aragón and Valencia.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Customer concentration

• Xx.com/ruralteruel
• YouTubeyoutube.com/ruralteruel
• Facebookfacebook.com/cajaruralteruel
• LinkedInlinkedin.com/company/ruralteruel
• Instagraminstagram.com/ruralteruel

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries5 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 Caja Rural de Teruel