The Bankcard-Servicenetz (bank card service network) is a German ATM card interbank network group provided by the Volksbanken und Raiffeisenbanken services group. Technically it is not an interbank network but uses the pre-existing girocard network. Member banks of this cash credit group charge ATM usage fees at a low level and most customers of the co-operative banks enjoy free withdrawal from their accounts. With 19,200 ATMs the Bankcard-Servicenetz group is the second largest ATM group in Germany (after the savings banks network).