APS Bank is the only Maltese bank owned by Maltese citizens and dedicated to supporting the real economy of the island. In the current financial landscape, this commitment reflects a profound vision of the role of money. As one of Malta’s oldest financial institutions, APS Bank provides a comprehensive array of personal, business, and investment services, all aimed at fostering the economic and social development of the local community.

Banca Popolare Etica is a transnational cooperative operating in two countries: Italy and Spain. It emerged from the third sector through a mix of different organizations and is the bank of the social economy in both countries. It is a bank focused on building a better society through social and environmental impacts on local territories. It has a very strong social base with many mechanisms to incorporate it into the decision-making process of the bank.

Founded in 1990, BAS is Switzerland’s only alternative bank. Operating in two languages, it champions environmental sustainability, social responsibility, and transparency. The bank endorses sociocracy, empowering employees to self-organize. BAS prioritizes the common good over profit maximization and opposes speculation and tax havens. While offering standard banking services such as investment, savings, and lending, BAS ensures all operations follow strong ethical principles.

Cassa Centrale Banca is a consortium of Italian cooperative banks united by shared principles. Based in Northern Italy, they provide central services for cooperative banks nationwide. The group values diversity and upholds local identity as a core principle. With a strong focus on the regional economy, the network promotes local economic and social well-being.

Founded in 1880, Colonya pioneered ethical savings in Spain. Caixa Pollença, with its strong regional focus on the Balearic Islands, is dedicated to financing the local economy. They serve small communities that larger banks overlook, driven by a mission to support local economies with essential financial services.

Community Finance Ireland is a transnational financial services charity operating in both Southern and Northern Ireland, envisioning one united island. Focused on boosting local communities, they finance Gaelic sports clubs, social enterprises, and community projects. “Our clients can see what’s missing in their communities and they can dream of the change needed.” – CFI

Coop57 is a financial cooperative that channels funds from its shareholders to member companies. Based in Barcelona, they operate across Spain with a strong focus on the Social and Solidarity Economy. Coop57 boasts a robust governance system centered on the general assembly and self-management. Unlike traditional banks, Coop57 clients must first become members, ensuring the application of ethical and social criteria.

Founded in 1995 in Crete, this cooperative bank gradually expanded throughout Greece. Embracing the theme “Participation makes the difference,” it emphasizes employee participation and collective effort as keys to its success. With a strong focus on the local economy, it supports activities crucial to Crete’s econo my: olive oil production, urban development, and the promotion of Cretan food products. The bank emphasizes trust, reliability, and consistency, laying a solid foundation for a shared future.

The Cooperative Bank of Karditsa strongly focuses on the local economy, sustainability, social inclusion, local development, and agriculture. Recently described as the “Best bank in Greece” by the governor of the Bank of Greece, it prioritises transparency, security, and reliability. Committed to ensuring financial flexibility, it offers services to citizens with no access to bank accounts, such as temporary workers, and provides its webpage in multiple languages, including Arabic and French. The bank works closely with ANKA, the Development Agency of Karditsa, to address various regional needs.

Crédal comprises a credit cooperative and 3 NGOs. It was born from the anti-apartheid Belgian movement of thee 1980s and it now operates in the French-speaking South of Belgium. Crédal’s credit focuses on the Social Economy, the Third Sector, the food chain and agriculture. It also provides microloans to entrepreneurs, impact loans to Social Enterprises, and consumer loans to vulnerable or excluded individuals.

Credit Cooperatif was born as the bank of the third sector in France. It is a retail bank that offers its services throughout the whole country. Focused on the local economy, social economy, and sustainability, it is a cooperative bank with its governance based on citizen participation.

Cultura Bank stands out as the sole Norwegian bank that provides depositors with detailed information on where their money is invested, with each loan evaluated based on social and environmental criteria. Offering a wide array of banking services such as current and savings accounts, business loans, and mortgages.

More than 2,000 “subscribers,” as they call the shareholders. People, professionals, and organizations focused on local economic development and employment. Based in Corsica. Long-time members of FEBEA.

France Active is an organization dedicated to solidarity finance, which involves using financial resources to promote social and economic inclusion. For over three decades, France Active has been assisting and providing financial support to businesses, focusing on those that contribute positively to society.

Hefboom is a Flemish credit cooperative that focuses on promoting and supporting social and sustainable investments. Hefboom provides financing solutions and investment opportunities aimed at social enterprises and projects that deliver positive social and environmental impacts in Flanders.

La Nef is a banking cooperative that has been bringing together professionals and individuals since 1988 to build a more just and sustainable society. It advocates for healthy and transparent finance, choosing to only fund projects that have ecological, social, or cultural added value.

Merkur is Denmark’s value-based financial institution – they work for a better world for people, nature, and the environment.

SEFEA HOLDING S.C. is an Italian cooperative financial institution established to advance ethical finance across Europe. Founded in 2002, it aims to foster the growth of financial practices that align with ethical and social values. The company operates from its headquarters in Padova and is dedicated to supporting the development of ethical financial solutions and initiatives.

SIDI is a French organisation that supports sustainable development through finance. Founded in 1983, it focuses on providing funding and support to microfinance institutions and social enterprises in developing countries, aiming at promoting economic growth, financial inclusion, and social progress.

Socoden is a French cooperative financial institution established in 2001, dedicated to funding and supporting social enterprises with a positive societal impact. It focuses on ethical and responsible finance, prioritizing social and environmental benefits over purely financial returns. Socoden mobilizes resources from members and partners to support sustainable development and social inclusion projects.

Towarzystwo Inwestycji Społeczno-Ekonomicznych TISE SA (Social and Economic Investment Company TISE) provides loans to micro, small and medium enterprises as well as social economy entities. The Company was established in 1991. It is fully owned by Poznański Bank Spółdzielczy. In the first years of its activity TISE focused on financing small and medium enterprises through venture capital, credit guarantees and subordinated loans. Since 2008 TISE’s main activity consits in providing loans to SMEs and NGOs. Funds for the loans come primarily from various EU programs aimed at supporting both small businesses and the social economy. TISE is one of the biggest intermediaries for such loan programs in Poland. It is a long standing and verified partner for the Polish Development Bank (BGK) and the European Investment Fund.