Bankcard-Servicenetz

The bank card service network (own spelling Bankcard Service Network) is an association of most of the German cooperative banks, which allows its customers to withdraw cash free of charge with their debit card at any ATM of the member banks in general. The corresponding merger to Bank -border use of the statement printer is called Bankcard Account Info.

The bank card service network covers about 19,200 ATMs, making it the second largest network, just behind that of the savings banks with about 25,700 machines.

It consists of virtually all people and Raiffeisen banks and other federated in the Federal Association of German Cooperative Banks banks. The only exception is the Sylt eG (Updated: February 1, 2013).

Some banks are double members in the bank card service network and in the cash pool, with these for our own customers often apply restrictions on the use of machines of bank card service network, for instance with regard to the amount of free orders. However, the Sylt eG is currently not incorporated in the cash pool.

Settlement between the banks

The participating bank card service network banks charge each other for cash withdrawals by customers of the other bank card operator charges a reduced rate of max. 2.05 EUR, but usually 1.02 EUR. The card issuing bank carries up to 1.02 EUR this fee so that the available yet for the customer is usually free of charge. On the statement it is often still the text " acquisition fee: 1,02 EUR " to recognize. This method ensures that a bank can also gain a commercial advantage from the installation of ATMs and no better thus goes on to build on the activities of other banks in the network.

Problems for small banks and banks with scattered clientele

Of billing methodology gives smaller banks and those that traditionally appeal to a scattered clientele, the problem that they can not achieve the fee income with their own ATMs, cause their own customers at ATMs of other banks: So are houses of worship banks often only to administrative sites of the respective church, Pax-Bank, for example, to the bishop seats Aachen and Cologne, while the clientele is spread over a large area. In this case, it appears to the Bank the problem that their customers have no viable way to use their own machines and also only few orders from foreign customers are made. This also applies to small local cooperative banks whose business area is in satellite towns and their customers make the cash withdrawals in larger neighboring cities. However, the withdrawal from the bank card service network is for the bank concerned also with the loss of a relevant feature for many customers - easy and cheap availability of cash - connected.

Double members cash pool & Bankcard Service Network

The following banks are both a member of the cash pool as well as in bank card service network. Restrictions on their customers in the use of bank card service network automata are also listed, if known:

• BBBank eG Applies for our own customers in up to two orders in the month the fee of 1.02 EUR, then this is calculated. For free cash withdrawals will be referred to the cash pool automata.

• For clients bank card service network machines are not available free of charge, it falls to the discounted fee. For free cash withdrawals will be referred to the cash pool automata.

• For clients bank card service network machines are not available free of charge, it falls to the discounted fee. For free cash withdrawals will be referred to the cash pool automata.

Former members double cash pool & Bankcard Service Network

• PSD banks All PSD banks provide at least four free cash withdrawals at Bank Card ATM per month, or a corresponding number per quarter, at. The only exception is the PSD Bank Hannover, which does not offer checking accounts. About half of the PSD Banks offers five or even an unlimited number of cash withdrawals at bank card ATM. If the number of free items exhausted, then drop the own cost of the bank in the amount of EUR 1.02 per disposal.