Grupo Caja Rural

Spain’s cooperative rural banking network

Grupo Caja Rural is a Spanish cooperative banking group made up of 30 rural banks across mainland Spain and the Canary Islands, along with affiliated organizations: Banco Cooperativo Español, Grupo RGA (Seguros RGA), and Rural Servicios Informáticos (RSI). The group describes itself as one of Spain’s leading examples of community-based banking.

Scale and structure

Figures published by the group show more than 6.3 million customers, 9,708 employees, 2,359 branches, and 3,115 ATMs. Total assets are reported at €97.987 billion, with €9.864 billion in the group’s own funds.

The group operates through an Institutional Protection Scheme (IPS), a protection system provided for under Article 113.7 of Regulation 575/2013 (CRR), with specific solvency and liquidity mechanisms. It also has a separate solidarity fund to help strengthen a member’s finances if needed, a feature the group describes as unique in Spain.

Member institutions

The group comprises 30 rural banks. Listed members include Caja Rural de Navarra, Caja Rural de Granada, Caja Rural de Asturias, Caja Rural de Jaén, Caja Rural de Salamanca, Caja Rural de Soria, Caja Rural de Teruel, Caja Rural de Zamora, Caja Rural de Extremadura, Caja Rural del Sur, Caja Rural de Aragón, Caja Rural de Gijón, Caja Rural Regional San Agustín, Cajaviva, Cajasiete, Caixa Rural Galega, Caixa Popular, Globalcaja, Ruralnostra, Caixa Rural de L’Alcúdia, Caja Rural San José de Alcora, Caixa Rural de Algemesí, Caja Rural de Casas Ibáñez, Caja Rural San José de Almassora, Caja Rural Nuestra Señora de la Esperanza de Onda, Caja Rural de Villamalea, Caja Rural de Albal, Caixa Rural Les Coves de Vinromà, Caixa Vinaròs, and Banco Cooperativo Español.

Branch services and cash access

The group operates a broad network of branches and ATMs. Customers of one member bank may be able to make deposits and withdrawals at another member institution after identification and branch approval; terms depend on the transaction type and amount.

Debit-card cash withdrawals are free at Grupo Caja Rural ATMs and at ATMs operated by partner networks. The group lists agreements with Euronet, Euro Automatic Cash, Grupo Cajamar, Laboral Kutxa, Bankinter, Deutsche Bank, Cashzone, Caja Almendralejo, Caja Ingenieros, Novo Banco, Banco Pichincha, Arquia, and Caixa Guissona. It says these agreements provide access to more than 11,000 ATMs. At other ATMs, the owner’s fee is passed on to the customer.

Digital banking

The group’s online banking service is ruralvía. Customers can use a smartphone, tablet, or computer to view and manage accounts, apply for products, and check balances and transactions. The service has iOS and Android apps.

Customer support and other services

Phone support for customer service, card blocking, and ATM issues is available 24 hours a day, seven days a week, at 91 334 67 80 or toll-free at 900 822 670.

The group supports cycling through the Team Caja Rural-Seguros RGA. It also has a real estate portal, a jobs portal, and other companies, including RuralConfirming, Gescooperativo, and Seguros RGA.