You'll often see 自动取款机 (zìdòng qǔkuǎn jī) when you need cash in China. This word literally breaks down to 'automatic' (自动), 'take money' (取款), and 'machine' (机).
It’s the standard way to say ATM or automated teller machine.
Knowing this term is super practical because ATMs are everywhere, and you'll definitely need to use them to get cash. So, remember 自动取款机 for withdrawing money easily.
When you're out and about in China and need some cash, the place you're looking for is a 自动取款机 (zì dòng qǔ kuǎn jī). This literally translates to 'automatic cash-fetching machine.'
You'll often see this term on signs outside banks or in shopping centers. It's the standard way to refer to an ATM, so if you ask for one, people will understand exactly what you mean.
Remembering the characters for 'automatic' (自动) and 'take money' (取款) can help you recognize it. So, next time you need to withdraw some yuan, keep an eye out for 自动取款机!
When you need cash in China, you'll be looking for a 自动取款机 (zì dòng qǔ kuǎn jī). This literally translates to 'automatic cash-fetching machine'.
You'll often see the English acronym 'ATM' alongside the Chinese characters, especially in bigger cities or international areas. While 取钱 (qǔ qián) means 'to withdraw money', the full phrase 自动取款机 is essential to know for finding one of these machines.
自动取款机 30秒で
- Use an ATM to get cash.
- You can deposit money at an ATM too.
- Check your bank balance quickly at an ATM.
§ Don't Use Zìdòng Qǔkuǎnjī for "Bank"
Many beginners, fresh from learning that 自动取款机 (zìdòng qǔkuǎnjī) means ATM, sometimes mistakenly use it when they actually mean "bank." An ATM is a machine, a tool for specific banking transactions. A bank, on the other hand, is the institution, the building, or the service provided by the institution.
- Wrong
- 我要去自动取款机 (Wǒ yào qù zìdòng qǔkuǎnjī) meaning "I want to go to the ATM" when you mean "I want to go to the bank."
While you might go to an ATM *at* a bank, the two words are not interchangeable. If you need to perform other banking services like opening an account, talking to a teller, or getting a loan, you need to go to a bank, not just an ATM.
我想去银行取钱。(Wǒ xiǎng qù yínháng qǔ qián.) - I want to go to the bank to withdraw money.
§ Don't Forget the "Machine" Part
自动取款机 (zìdòng qǔkuǎnjī) literally translates to "automatic money-taking machine." The "机" (jī) at the end means machine. While in English we often just say "ATM," in Chinese, it's common to use the full phrase. Sometimes, you might hear a shortened version like 取款机 (qǔkuǎnjī), especially in casual conversation or signage, but it's always good practice to use the full term to avoid ambiguity.
- Right
- 哪里有自动取款机？(Nǎlǐ yǒu zìdòng qǔkuǎnjī?) - Where is an ATM?
§ Mispronunciation
Chinese tones are crucial. Mispronouncing the tones can change the meaning of the word or make it unintelligible. Pay close attention to the tones for 自动取款机 (zìdòng qǔkuǎnjī).
- 自 (zì): 4th tone (falling)
- 动 (dòng): 4th tone (falling)
- 取 (qǔ): 3rd tone (dipping)
- 款 (kuǎn): 3rd tone (dipping)
- 机 (jī): 1st tone (flat)
§ Confusing it with other banking terms
While related to banking, an ATM is specifically for cash withdrawals, deposits (sometimes), and balance inquiries. It's not for:
- Currency exchange: You'd go to a bank counter or a dedicated currency exchange office for this.
- Opening an account: This requires a visit to the bank itself.
- Getting a loan: Another service handled by bank staff, not an ATM.
我需要去银行兑换外币，而不是自动取款机。(Wǒ xūyào qù yínháng duìhuàn wàibì, ér bùshì zìdòng qǔkuǎnjī.) - I need to go to the bank to exchange foreign currency, not the ATM.
知っておくべき文法
Placing '在' (zài) before the verb to indicate location: '在 + location + verb'. This structure is used to specify where an action takes place.
我要在银行的自动取款机取钱。 (Wǒ yào zài yínháng de zìdòng qǔkuǎnjī qǔ qián.) - I want to withdraw money at the bank's ATM.
Using '去' (qù) to indicate going to a place for an action: '去 + location + verb'. This shows the purpose of going to a location.
你可以去自动取款机查余额。 (Nǐ kěyǐ qù zìdòng qǔkuǎnjī chá yú'é.) - You can go to the ATM to check your balance.
Using '有' (yǒu) to indicate existence or possession: '有没有 + noun'. This is a common way to ask if something exists or is available.
附近有没有自动取款机？ (Fùjìn yǒu méiyǒu zìdòng qǔkuǎnjī?) - Is there an ATM nearby?
Using '从' (cóng) to indicate the source or origin of an action: '从 + place + verb'. This structure specifies where an action originates.
我从自动取款机取了现金。 (Wǒ cóng zìdòng qǔkuǎnjī qǔ le xiànjīn.) - I withdrew cash from the ATM.
Using '用' (yòng) to indicate the tool or method used for an action: '用 + tool + verb'. This specifies how an action is performed.
我可以用卡在自动取款机上取款吗？ (Wǒ kěyǐ yòng kǎ zài zìdòng qǔkuǎnjī shàng qǔkuǎn ma?) - Can I use my card to withdraw money at the ATM?
文法パターン
慣用句と表現
"方便快捷 (fāngbiàn kuàijié)"
convenient and fast
使用自动取款机取款非常方便快捷。 (It's very convenient and fast to withdraw money using an ATM.)
neutral"安全可靠 (ānquán kěkào)"
safe and reliable
自动取款机通常被认为是安全可靠的取款方式。 (ATMs are generally considered a safe and reliable way to withdraw money.)
neutral"现金交易 (xiànjīn jiāoyì)"
cash transaction
很多人仍然喜欢使用自动取款机进行现金交易。 (Many people still prefer to use ATMs for cash transactions.)
neutral"输入密码 (shūrù mìmǎ)"
enter password
请在自动取款机上输入您的密码。 (Please enter your password at the ATM.)
neutral"取出钞票 (qǔchū chāopiào)"
withdraw banknotes
自动取款机可以帮助您取出钞票。 (ATMs can help you withdraw banknotes.)
neutral"银行卡 (yínhángkǎ)"
bank card
您需要使用银行卡才能在自动取款机上操作。 (You need to use a bank card to operate an ATM.)
neutral"吞卡 (tūnkǎ)"
card swallowed by machine
如果您的银行卡被自动取款机吞了，请及时联系银行。 (If your bank card is swallowed by the ATM, please contact the bank promptly.)
neutral"排队 (páiduì)"
queue; line up
节假日自动取款机前经常会排队。 (During holidays, there are often queues in front of ATMs.)
neutral"提款限额 (tíkuǎn xiàn'é)"
withdrawal limit
每张银行卡在自动取款机上都有每日提款限额。 (Each bank card has a daily withdrawal limit at the ATM.)
neutral"网点 (wǎngdiǎn)"
branch (of a bank, etc.)
这家银行在很多地方都有自动取款机网点。 (This bank has ATM branches in many places.)
neutral文型パターン
我想去自动取款机取钱。
I want to go to the ATM to withdraw money.
自动取款机在哪里？
Where is the ATM?
这附近有自动取款机吗？
Is there an ATM nearby?
我需要找到一个自动取款机。
I need to find an ATM.
自动取款机坏了。
The ATM is broken.
你能告诉我最近的自动取款机在哪里吗？
Can you tell me where the nearest ATM is?
我忘记了自动取款机的密码。
I forgot my ATM PIN.
请问，自动取款机怎么用？
Excuse me, how do I use the ATM?
語族
名詞
動詞
形容詞
実生活で練習する
実際の使用場面
You need cash and are looking for an ATM.
- 附近有自动取款机吗？ (Are there any ATMs nearby?)
- 我想取钱。 (I want to withdraw money.)
- 自动取款机在哪里？ (Where is the ATM?)
You are at an ATM.
- 请插入您的银行卡。 (Please insert your bank card.)
- 请输入密码。 (Please enter your password.)
- 请选择交易类型。 (Please select transaction type.)
Someone is asking you about using an ATM.
- 你知道怎么用自动取款机吗？ (Do you know how to use an ATM?)
- 取款机坏了。 (The ATM is broken.)
- 我可以在自动取款机上存款吗？ (Can I deposit money at an ATM?)
You are explaining how to use an ATM to someone.
- 首先，把卡插进去。 (First, insert the card.)
- 然后，输入密码。 (Then, enter your password.)
- 最后，选择金额。 (Finally, select the amount.)
You are discussing ATM fees.
- 这个自动取款机有手续费吗？ (Does this ATM have a service fee?)
- 跨行取款有手续费。 (Interbank withdrawals have service fees.)
- 免费取款。 (Free withdrawals.)
会話のきっかけ
"你经常使用自动取款机吗？ (Do you often use ATMs?)"
"你觉得自动取款机方便吗？ (Do you think ATMs are convenient?)"
"你在国外使用过自动取款机吗？有什么不同？ (Have you used ATMs abroad? What were the differences?)"
"你有没有遇到过自动取款机出故障的情况？ (Have you ever encountered a broken ATM?)"
"你更喜欢用手机支付还是用现金？ (Do you prefer mobile payments or cash?)"
日記のテーマ
描述你最近一次使用自动取款机的经历。 (Describe your most recent experience using an ATM.)
你认为未来自动取款机还会存在吗？为什么？ (Do you think ATMs will still exist in the future? Why?)
你觉得自动取款机有哪些优点和缺点？ (What do you think are the advantages and disadvantages of ATMs?)
如果你在国外语言不通，怎么找到自动取款机并取钱？ (If you are in a foreign country and don't speak the language, how would you find an ATM and withdraw money?)
写一篇短文，比较自动取款机和手机支付的便利性。 (Write a short essay comparing the convenience of ATMs and mobile payments.)
自分をテスト 60 問
我要去___。
To withdraw money, you go to the bank.
我在___取钱。
You use an ATM to withdraw money.
请问，___在哪里？
This is a common way to ask for directions to an ATM.
我需要钱，所以我要去___。
If you need money, you go to an ATM.
你可以用___取现金。
Cash can be withdrawn using an ATM.
银行旁边有___。
ATMs are often located next to banks.
Choose the correct Chinese word for 'ATM'.
自动取款机 (zìdòng qǔkuǎnjī) means ATM. 飞机场 (fēijīchǎng) is airport, 火车站 (huǒchēzhàn) is train station, and 公共汽车 (gōnggòng qìchē) is bus.
Which of these can you do at a 自动取款机?
自动取款机 (zìdòng qǔkuǎnjī) is for withdrawing money. The other options are incorrect activities for an ATM.
If you need cash, where would you go?
You go to a 自动取款机 (zìdòng qǔkuǎnjī) to get cash. The other places are not for getting cash.
自动取款机 is a place to eat lunch.
自动取款机 (zìdòng qǔkuǎnjī) is an ATM, not a place to eat lunch.
You can get money from a 自动取款机.
Yes, 自动取款机 (zìdòng qǔkuǎnjī) is an ATM, where you can withdraw money.
A 自动取款机 is the same as a bookstore.
自动取款机 (zìdòng qǔkuǎnjī) is an ATM. A bookstore is 书店 (shūdiàn), they are not the same.
The correct order is Subject (我), Prepositional Phrase (在 自动取款机), Verb (取), Object (钱). This translates to 'I withdraw money at the ATM.'
This sentence asks for the location of the ATM. The structure is Topic (自动取款机), 'is at' (在), Location (银行), Question Word (哪里). This translates to 'Where is the ATM at the bank?'
The correct order is Subject (他), Adverb of Frequency (常常), Verb (用), Object (自动取款机). This translates to 'He often uses the ATM.'
Where am I going and what am I doing?
What is next to the bank?
What can you use at an ATM?
Read this aloud:
我需要找一个自动取款机。
Focus: zì dòng qǔ kuǎn jī
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
请问，哪里有自动取款机？
Focus: nǎ lǐ yǒu
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
自动取款机很方便。
Focus: hěn fāng biàn
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
银行的___坏了，我不能取钱。
The sentence is about not being able to withdraw money, so 'ATM' (自动取款机) is the correct choice.
我需要在火车站找到一个___来取现金。
The sentence indicates a need to withdraw cash, making 'ATM' (自动取款机) the appropriate term.
您可以使用___来查询余额。
To check a bank balance, an 'ATM' (自动取款机) is a common and correct method.
这家商店旁边有___，很方便。
Having an 'ATM' (自动取款机) next to a shop makes it convenient for customers to get cash.
我在国外旅行时，经常使用___取当地货币。
When traveling abroad, one uses an 'ATM' (自动取款机) to withdraw local currency.
我忘记带钱包了，幸好这里有___。
If one forgets their wallet, an 'ATM' (自动取款机) would be helpful for getting cash.
This sentence asks for the location of the nearest ATM. '请问' is a polite way to start a question, '最近的' means 'the nearest', and '在哪里' means 'where is it?'.
This sentence means 'I need to go to the ATM to withdraw money'. '我需要' means 'I need', '去' means 'to go', and '取钱' means 'to withdraw money'.
This sentence asks 'Does this bank have an ATM?'. '这家银行' means 'this bank', '有' means 'to have', and '吗' is a question particle.
Imagine you're traveling in China and need cash. Describe how you would find and use an ATM to withdraw money. Mention any potential challenges you might face.
Well written! Good try! Check the sample answer below.
Sample answer
在中国旅行时，如果我需要现金，我会先用手机地图应用搜索附近的自动取款机。找到后，我会走到自动取款机前，插入我的银行卡，然后输入密码。接着，我会选择我想要取出的金额，并确认交易。如果遇到语言不通或者机器操作不熟悉的问题，我可能会寻求路人的帮助或者尝试找有英文界面的取款机。
Write a short dialogue between two friends discussing the pros and cons of using an ATM versus paying with mobile payment apps in China.
Well written! Good try! Check the sample answer below.
Sample answer
A: 小李，你觉得在中国是用自动取款机取现金方便，还是用手机支付方便？ B: 当然是手机支付更方便啊！现在几乎所有地方都能用微信或支付宝，不用担心找零或者取不到钱。 A: 可是，如果手机没电了或者网络不好怎么办？有时候还是现金更保险。 B: 那倒是。所以，我觉得两者结合最好，大部分时候用手机支付，但身上也备点现金以防万一。 A: 嗯，有道理。看来自动取款机还是有它的用武之地。
You are explaining to a friend how to handle a situation where an ATM malfunctions and doesn't dispense money after a transaction. What steps should they take?
Well written! Good try! Check the sample answer below.
Sample answer
如果自动取款机出了故障，比如吞了卡或者扣了钱却没吐钞，你一定要保持冷静。首先，记住取款机的编号和具体位置，以及发生问题的时间。其次，立即联系你银行的客服热线，说明情况。如果取款机有客服电话，也可以先打那个电话。最重要的是，一定要保留好交易凭证，即使没有出钞，也要看有没有交易记录或屏幕提示。银行会根据这些信息帮你调查解决。
根据这段文字，关于自动取款机在中国的现状，以下哪一项描述是正确的？
Read this passage:
在中国，自动取款机随处可见，非常方便。但随着移动支付的普及，很多人已经不再频繁使用自动取款机了。尤其是在大城市，几乎所有的商店和餐厅都支持手机支付。即便如此，对于一些老年人或者习惯使用现金的外国人来说，自动取款机仍然是他们获取现金的主要途径。
根据这段文字，关于自动取款机在中国的现状，以下哪一项描述是正确的？
文章提到“对于一些老年人或者习惯使用现金的外国人来说，自动取款机仍然是他们获取现金的主要途径。”
文章提到“对于一些老年人或者习惯使用现金的外国人来说，自动取款机仍然是他们获取现金的主要途径。”
小王为什么选择使用自动取款机取款？
Read this passage:
小王去银行取钱，但是银行里面排队的人很多。他看了一下，发现银行外面就有一个自动取款机。于是他决定去自动取款机取款，这样可以省下不少时间。在自动取款机前，他顺利地完成了取款操作。
小王为什么选择使用自动取款机取款？
文章明确说明“银行里面排队的人很多。他看了一下，发现银行外面就有一个自动取款机。于是他决定去自动取款机取款，这样可以省下不少时间。”
文章明确说明“银行里面排队的人很多。他看了一下，发现银行外面就有一个自动取款机。于是他决定去自动取款机取款，这样可以省下不少时间。”
除了取款，自动取款机还可能提供哪些服务？
Read this passage:
自动取款机的功能不仅仅是取款，现在很多自动取款机也提供存款、转账、查询余额等服务。这些多功能取款机大大方便了人们的日常生活。但需要注意的是，在使用自动取款机进行转账等操作时，务必确认对方账户信息，以防诈骗。
除了取款，自动取款机还可能提供哪些服务？
文章中明确提到“现在很多自动取款机也提供存款、转账、查询余额等服务。”
文章中明确提到“现在很多自动取款机也提供存款、转账、查询余额等服务。”
她匆匆跑到___，取出了急用的现金。
根据上下文语境，只有“自动取款机”才能取出急用的现金。
我在国外旅行时，发现许多地方的___都支持银联卡取款。
“提款机”是“自动取款机”的另一种常见说法，符合语境。
由于银行已关门，我只好去___取钱。
“ATM”是“自动取款机”的英文缩写，在中文语境中也常被使用，且符合银行关门后取钱的需求。
每次发工资，我都会去附近的___把钱取出来。
“ATM机”是“自动取款机”的口语化说法，常用于日常交流。
为了安全起见，在___操作时务必注意周围环境。
在“提款机前”取款涉及现金交易，需要特别注意安全。
这家银行的___很先进，还可以进行无卡取款。
“自动取款系统”指代的是银行的取款设备及相关服务，与“无卡取款”的功能相匹配。
如果你想快速取出现金，你会去哪里？
自动取款机 (zìdòng qǔkuǎnjī) is an ATM, which is used for withdrawing cash.
在哪个地方你可以不用排队，自己操作完成取款或转账？
自动取款机 (zìdòng qǔkuǎnjī) allows self-service transactions like withdrawals and transfers, unlike a bank counter where you might need to queue.
如果你的银行卡在海外丢失，但你急需现金，你可能会寻找什么设备来应急？
自动取款机 (zìdòng qǔkuǎnjī) is an ATM, essential for getting cash, especially in an emergency when your card is lost abroad.
使用自动取款机 (zìdòng qǔkuǎnjī) 办理业务通常比去银行柜台更快捷。
自动取款机 (zìdòng qǔkuǎnjī) is designed for quick, self-service transactions, which are generally faster than waiting at a bank counter.
自动取款机 (zìdòng qǔkuǎnjī) 只能用于取款，不能办理转账业务。
除了取款，自动取款机 (zìdòng qǔkuǎnjī) 通常还提供转账、查询余额等多种服务。
在任何国家的自动取款机 (zìdòng qǔkuǎnjī) 上都能使用你的本国银行卡取款。
并非所有国家的自动取款机 (zìdòng qǔkuǎnjī) 都支持所有国际银行卡，这取决于银行卡所属的国际支付网络（如Visa, MasterCard等）以及当地银行的合作情况。
Asking for the location of an ATM.
Stating the need to withdraw cash from an ATM.
Commenting on a broken ATM.
Read this aloud:
你知道最近的自动取款机在哪里吗？
Focus: 最近的 (zuìjìn de)
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
我每次出国都会在自动取款机上取当地货币。
Focus: 当地货币 (dāngdì huòbì)
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
由于自动取款机遍布城市，我们现在很少去银行柜台了。
Focus: 遍布 (biànbù)
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
/ 60 correct
Perfect score!
Summary
The term '自动取款机' literally means 'automatic money-fetching machine' and is used for ATMs.
- Use an ATM to get cash.
- You can deposit money at an ATM too.
- Check your bank balance quickly at an ATM.
