Spain · Credit institution
Banco de Credito Social Cooperativo S.A.
Legal name in the LEI recordBANCO DE CREDITO SOCIAL COOPERATIVO SA
Banco de Crédito Social Cooperativo, S.A. (BCC) is a Spanish bank incorporated on 28 January 2014 and domiciled in Almería. It was promoted by 32 rural savings banks, and Cajamar Caja Rural is its main shareholder. It is the head entity of Grupo Cooperativo Cajamar, an institutional protection scheme recognised by the Banco de España, and directs and represents the group. In June 2026 it agreed a capital increase under which Crédit Agricole S.A. would take 9.9%, subject to regulatory approval.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see Regulatory status): that is banking supervision, not a licence on a tracked register.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Regulatory status
ECB banking supervision
List of supervised entities as of 2026-07-01
- Classification
- Significant institution
- Supervisor
- European Central Bank (direct supervision)
- Listed as
- Banco de Crédito Social Cooperativo, S.A.
- Entity type
- Credit institution
- Supervisory group
- Heads its own group
- Why significant
- Size (Total assets EUR 50-75 bn)
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Subject to minimum reserves
- Listed as
- Banco de Crédito Social Cooperativo
- RIAD code
- ES0240
ESMA · MiFID II register
Register as at 2026-09-28
| Entry | Competent authority | Authorised | Services or instruments |
|---|---|---|---|
| Investment services (MiFID II) | Comisión Nacional del Mercado de Valores (CNMV) | 2014-02-18 | A1 A2 A3 A4 A5 A6 A7 A8 A9 B1 B2 B3 B4 B5 B6 B7 |
Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- BCCAESMMXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under BCCAESMM directly.
- Swift GPI
- Live member
- Payment schemes and systems
- SCT · SCT Inst · SDD Core · SDD B2B · OCT Inst · VOP · T2 · TIPS
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2014-04-19
- Last updated
- 2025-11-01
Overview
Researched 29 Sep 2026 · Sources
Ownership
Member-owned
Cajamar Caja Rural, Sociedad Cooperativa de Crédito
Institution type
Cooperative bank
Trades as BCC-Grupo Cajamar (Banco de Crédito Cooperativo)
- Ownership
- Rural savings banks own the bank, and Cajamar Caja Rural is the main shareholder with 91% at incorporation in 2014. Crédit Agricole S.A. agreed in June 2026 to acquire 9.9% through a capital increase, subject to regulatory approval.
- Direct parent
- Cajamar Caja Rural, Sociedad Cooperativa de Crédito, Spain
- Head office
- Parque Científico-Tecnológico de Almería (PITA), Ciudad Financiera, 1, 04131 Almería, Spain
- Company register
- Registro Mercantil de Madrid, Tomo 31.884, Folio 131, Hoja M-573805; Banco de España Registro de Bancos y Banqueros code 0240; NIF A-86853140
- Name in the local language
- Banco de Crédito Social Cooperativo, S.A.
Business lines
As head entity, the bank handles strategy, risk policy, treasury and debt issuance for Grupo Cooperativo Cajamar. It lends to the group's customers through the branch networks of the member rural savings banks.
Online
- Websites & references
- bcc.es ↗
bcc.es/en ↗ English-language version
grupocooperativocajamar.es ↗ Grupo Cooperativo Cajamar group site (linked from the bcc.es menu)
Wikipedia ↗ - Official social accounts
- None found
Sources · 15 pages consulted
- bcc.es/es/
- bcc.es/es/aviso-legal/
- bcc.es/es/informacion-para-inversores/gobierno-corporativo/consejo-de-administracion/miembros-de
- bcc.es/es/informacion-para-inversores/gobierno-corporativo/
- bcc.es/es/informacion-para-inversores/accionistas/entidades-accionistas/
- bcc.es/es/informacion-corporativa/preguntas-frecuentes/
- bcc.es/es/informacion-corporativa/sala-de-prensa/ano-2026/grupo-cajamar-gana-193-millones-un-85-
- bcc.es/es/informacion-corporativa/sala-de-prensa/ano-2026/credit-agricole-sa-y-bcc-grupo-cajamar
- bcc.es/es/informacion-corporativa/sala-de-prensa/ano-2025/el-consejo-de-administracion-de-banco-
- cajamar.es/es/comun/informacion-corporativa/sala-de-prensa/ano-2013/cajamar-presenta-el-banco-de-cre
- cajamar.es/en/comun/informacion-corporativa/sobre-cajamar/
- adaralegal.es/boe-sanciones-banco-espana-bcc-grupo-cajamar-remuneraciones/
- eldiario.es/economia/banco-espana-multa-2-8-millones-bcc-grupo-cajamar-directivos-politica-retribucio
- cnmv.es/webservices/verdocumento/ver?e=Rye98DSsxT%2BTHQZVGQ0%2Bp6EpI%2BiFfPy6xtr5zzoQYHkQuBXcwhxH
- es.wikipedia.org/wiki/Banco_de_Cr%C3%A9dito_Social_Cooperativo
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Manuel Yebra Sola
Consejero Delegado (Chief Executive Officer)
- Chair
-
Bernabé Sánchez-Minguet Martínez
Presidente (Chairman of the Board of Directors)
- Executive
-
Marta de Castro Aparicio
Vicepresidenta (Vice-Chair, proprietary director)
- Executive
-
Rafael García Cruz
Vocal, consejero ejecutivo (Executive Director)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- European Union
- European Central Bank Prudential supervisor
- Spain
- Banco de España Central bankPrudential supervisorConduct
- Spain
- Executive Service of the Commission for the Prevention of Money Laundering and Monetary Offences (SEPBLAC) AML supervisor
- Spain
- Comisión Nacional del Mercado de Valores Securities
- European Union
- Single Resolution Board Resolution
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Enforcement
The Banco de España fined the bank EUR 2 million for breaching remuneration-policy rules, by a February 2025 resolution published in August 2026.
adaralegal.es ↗ -
Other
The bank agreed with Crédit Agricole S.A. a EUR 150 million capital increase giving the French group 9.9%, subject to regulatory approval.
bcc.es ↗ -
Leadership
The board appointed Bernabé Sánchez-Minguet Martínez as chairman, succeeding Luis Rodríguez González, chairman since 2014.
bcc.es ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- BCCAESMMXXX
- How the BIC breaks down
- BCCABank
- ESCountry · Spain
- MMLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 95980020140005881190
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- Código de entidad (NRBE) 0240
Profile
- Type
- Credit institutionListed as a credit institution, or a branch of one, on the ECB’s list of supervised entities, or named as a bank on the Financial Stability Board’s G-SIB list, directly or as a G-SIB’s main operating bank. These are the only bank lists the directory tracks so far.
- Regulation
- Prudentially supervised (ECB list)Prudentially supervised, according to the ECB list of supervised entities (as at 2026-07-01). This is banking supervision, not a licence on a tracked register.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Spain · Europe & Central Asia
- Banking supervision
- Significant · supervised by the ECB as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
The Banco de Credito Social Cooperativo SA group has 2 institutions in the directory, in 1 country: all hold a BIC.
Including Cajamar Caja Rural, Sociedad Cooperativa de Credito.
See the Banco de Credito Social Cooperativo SA group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- CALLE CIUDAD FINANCIERA 1 ALMERIA 04131 SPAIN
- Operational address
- CALLE CIUDAD FINANCIERA 1 ALMERIA 04131 ALMERIA SPAIN
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>BCCAESMMXXX</BICFI>
<LEI>95980020140005881190</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>BCCAESMMXXX</BICFI>
<LEI>95980020140005881190</LEI>
<Nm>BANCO DE CREDITO SOCIAL COOPERATIVO S.A.</Nm>
<PstlAdr>
<TwnNm>ALMERIA</TwnNm>
<Ctry>ES</Ctry>
<AdrLine>CALLE CIUDAD FINANCIERA 1 ALMERIA 04131</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2015-01-05 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2017-11-21 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2015-01-05 | Head office | — |
| SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2015-01-05 | Head office | — |
| One-Leg Out Instant Credit TransferISO 20022 messages for the euro leg | 2024-11-11 | Head office | — |
| Verification of Payee | 2025-09-30 | Head office | — |
| T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
National bank codes
Código de entidad (NRBE) · Spain
1 code file of 2026-10-08
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 0240 | BCCAESMMXXX | BANCO DE CREDITO SOCIAL COOPERATIVO, S.A. | ALMERIA |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: European Central Bank, List of TIPS participants and reachable parties.
- Banking supervision—Source: European Central Bank, list of supervised entities.
- National bank codes—Spain (Source: Banco de España).
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: bcc.es (official website) · original; Manuel Yebra Sola: bcc.es (official website) · original; Bernabé Sánchez-Minguet Martínez: bcc.es (official website) · original; Marta de Castro Aparicio: bcc.es (official website) · original; Rafael García Cruz: bcc.es (official website) · original.
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