Val Di Fiemme Cassa Rurale

What Val Di Fiemme Cassa Rurale does

Cassa Rurale Val di Fiemme is an Italian cooperative bank (Banca di Credito Cooperativo - BCC) headquartered in Predazzo, Trentino-Alto Adige, serving the Val di Fiemme territory. It provides retail and SME banking products to four named customer segments: Privati (households), Imprese (businesses), Soci (cooperative members), and Associazioni (associations and non-profits). Its core product set spans conti correnti (current accounts), carte di pagamento (payment cards), mutui (mortgages), prestiti personali (personal loans), cessione del quinto (salary-backed loans), and a credit line 'Prestipay'. On the wealth and protection side, it offers investment funds (Plurifonds, NEF Target 2031 ethical fund), managed savings, insurance products, and pension/previdenza planning.

The bank operates a hybrid physical-and-digital distribution model. Its physical branch network anchors customer relationships across the Val di Fiemme valley. Its digital layer is built on the third-party Inbank multi-bank platform (consumer interface 'Smart', corporate interface 'Smart Corporate'), supplemented by Nexi payment infrastructure and FEA (Firma Elettronica Avanzata) for digital signatures on documents such as SPID identity contracts and PSD2 SCA flows. Insurance distribution and back-office IT are delivered via partners within Gruppo Cassa Centrale Banca, including Allitude S.p.A.

The business model is the standard Italian BCC mutual-cooperative model: net interest income on deposits and lending within the territory, fee and commission income from asset management, insurance brokerage, and payment services, and ancillary revenue from treasury and correspondent banking services within the Gruppo Cassa Centrale grouping. Membership ('Soci') is structural and embeds a democratic governance model (one member-one vote at the assembly). The bank is positioning itself for ESG-aligned and youth-segment growth through products like NEF Target 2031 and NewGeneration Fiemme, and is actively recruiting bilingual staff and launching 2026 promotional campaigns such as 'Prestipay Taglia la Rata' and the 'Fiemme Insieme Card 2026' loyalty program.

Name

Val Di Fiemme Cassa Rurale

Legal name

Cassa Rurale Val di Fiemme - Banca di Credito Cooperativo - Società Cooperativa

Website

https://crvaldifiemme.it

Company type

Private

Founded year

1897

Operating status

Operating

Short description

Cassa Rurale Val di Fiemme is an Italian cooperative bank (Banca di Credito Cooperativo) serving households, businesses, members, and associations in Trentino's Val di Fiemme. It offers deposits, mortgages, loans, investments, insurance, and digital banking via Inbank, within Gruppo Cassa Centrale Banca.

Ownership category

akta.pro rank

Headquarters

HQ city

Cavalese

HQ country

Italy

HQ region

Europe

Offices1 record

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. Banking Operations: Traditional cooperative banking services including deposits (conti e depositi), lending (finanziamenti, mutui), cards (carte), investments (investimenti), insurance (assicurazioni), and pension planning (previdenza). Revenue generated through interest margins, fees, and commissions on financial products.
2. Digital Banking Services: Digital banking services through Inbank platform for account management, payments, and document access.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Val Di Fiemme Cassa Rurale is a cooperative bank (Banca di Credito Cooperativo) operating in the Val di Fiemme territory of Trentino, Italy. It provides retail and business banking products including current accounts, debit and credit cards, mortgages, personal loans, investment funds, pension plans, insurance, and POS terminals, delivered through a network of physical branches and the InBank digital banking platform. The bank also offers mobile payments via Nexi cards and advanced electronic signature services (FEA Grafometrica and FEA OTP) for paperless document signing.

Product overview

Val Di Fiemme Cassa Rurale is a cooperative bank (Banca di Credito Cooperativo) offering a comprehensive suite of banking products and services for individuals (privati), businesses (imprese), and members (soci). The core offerings include checking and savings accounts (Conti e depositi), credit cards with Nexi mobile payments integration, home mortgages (Mutuo Casa), personal loans (Prestipay), investment products including the NEF Target 2031 ethical fund, and pension plans (Previdenza Plurifonds). The bank provides digital banking services through InBank platform and offers electronic signature solutions (FEA Grafometrica and FEA OTP) for paperless operations. Business customers access POS terminals, the Opera Club membership program, and PNRR-related financing support. The product architecture combines traditional branch-based services with digital channels, creating a hybrid banking model serving the Val di Fiemme territory in Trentino.

Differentiator

Problem solved

Functional benefit

Brands

• INBANK: Digital banking platform for online and mobile banking services
• Fiemme APP
• Fiemme Per
• NewGeneration Fiemme
• Opera Club
• Fiemme Insieme Card

Products and services

• Conto Corrente Midi Checking account for minors with debit card and InBank digital banking access, designed for young customers.
• Mutuo Casa Home mortgage loan for purchasing, building, or renovating residential property, offered to individual customers.
• Prestipay Personal financing/loan product with promotional rate options including the 'Taglia la Rata' offer that reduces installments mid-repayment.
• Previdenza Plurifonds Complementary pension plan allowing members to maintain their standard of living after retirement, provided in partnership with Plurifonds.
• NEF Target 2031 Ethical mutual fund investment product targeting specific financial goals by the year 2031, distributed to individual investors.
• InBank Digital banking platform providing online and mobile banking services, account management, document archives, and remote banking functionality to the bank's customers.
• POS / Hi-POS mini Point of sale terminal services for businesses to accept electronic payments, including the compact Hi-POS mini terminal.
• Fiemme Insieme Card 2026 Membership card program for the bank's soci (members) offering exclusive benefits, rewards, and engagement with the cooperative.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Cassa Centrale Banca – Credito Cooperativo Italiano S.p.A.coreStrategic or Co-development PartnerParent banking group (Gruppo Cassa Centrale). The bank is part of the Cassa Centrale Group, a cooperative banking group. The group provides technology platforms, compliance frameworks, and strategic direction. The bank participates in group-wide ESG initiatives and shares branding (Gruppo Cassa Centrale).
• InbankcoreTechnology or IntegrationDigital banking platform provider for online and mobile banking services. Inbank provides the technological infrastructure for the bank's digital banking channel.
• NexicoreTechnology or IntegrationPayment card network and technology provider enabling mobile payments functionality. Nexi cards support mobile payment capabilities via smartphone.
• Allitude S.p.A.coreTechnology or IntegrationTechnology services company providing the Whistleblowing platform. Registered office at Via J. Aconcio 9, 38122 Trento (TN), with share capital of €11,378,811.00. Subject to direction and coordination of Capogruppo Cassa Centrale Banca.
• Fondo di Garanzia per le PMIminorOthersMinistry of Economic Development guarantee fund for small and medium enterprises (law 662/96). Linked through the bank's website for reference.
• PlurifondsminorOthersSupplementary pension fund provider for complementary pension planning. Mentioned in previdenza (pension) section.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Iccrea Banca: The other major Italian cooperative banking group (Iccrea Group), serving BCC banks nationally. Comparable as the parallel institutional model for Italian cooperative banking with shared technology and compliance mandates.
• FinecoBank: Italian digital-first retail bank offering multi-currency accounts, investing, and payment products. Comparable as a digital channel competitor for Italian retail and small-business banking customers.
• Banca Mediolanum: Italian retail bank with strong digital and advisor-led distribution model serving individuals and families. Comparable in targeting Italian retail customers for deposits, investment, and pension products.

Regional players

• Credito Emiliano (Credem): Italian regional bank with strong retail and SME focus across northern and central Italy. Comparable as a regionally diversified Italian bank competing for similar private and business customer segments.
• Cassa di Risparmio di Bolzano (Sparkasse): Regional savings bank operating in the same Trentino-Alto Adige / South Tyrol territory. Comparable as a community-rooted Italian savings bank competing for the same regional retail and SME customer base.
• Banca Sella: Italian regional bank with strong digital and SME focus, including payment services. Comparable in serving Italian SMEs and retail customers with a blend of branch and digital banking channels.
• Banca Popolare di Sondrio: Italian regional bank focused on Lombardy and northern Italy retail/SME banking. Comparable as a regionally anchored Italian bank with similar multi-channel distribution and community orientation.

Direct peers

• Cassa Centrale Banca: Parent cooperative banking group of Cassa Rurale Val di Fiemme, coordinating strategy, technology, and compliance across the BCC network in northern Italy. Most directly comparable as the head entity of the same banking group structure.
• Banca Popolare dell'Alto Adige (Volksbank): Cooperative bank headquartered in Bolzano serving the same South Tyrol / Trentino region. Highly comparable in cooperative structure, community focus, and overlapping geographic footprint with Cassa Rurale Val di Fiemme.

Emerging players

• Illimity Bank: Italian digital-native bank focused on SMEs, distressed credit, and digital banking. Comparable as a digital-first challenger targeting Italian SMEs that overlap with Cassa Rurale's Imprese segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/crvaldifiemme
• LinkedInlinkedin.com/company/valdifiemmecassarurale

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

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Val Di Fiemme Cassa Rurale