An ATM is a machine that allows you to perform basic banking transactions like withdrawing cash anytime.
Word in 30 Seconds
- Machine for cash withdrawal and other banking.
- Available 24/7 outside bank hours.
- Requires bank card and PIN.
Overview
自动取款机（Automated Teller Machine，简称ATM）是一种安装在银行网点或公共场所的电子自助服务设备。它允许客户在无需银行柜员协助的情况下，通过插入银行卡并输入密码来完成多种金融交易，最常见的功能是提取现金。ATM的出现极大地便利了人们的日常生活，使得银行服务不再受限于固定的营业时间。
使用自动取款机通常需要一张有效的银行卡和正确的密码。客户将银行卡插入卡槽，按照屏幕提示选择所需服务（如取款、存款、查询余额、转账等），输入金额或收款方信息，并确认交易。交易完成后，机器会吐出银行卡、交易凭证，并根据客户选择是否退还现金。
自动取款机广泛分布于银行网点、商场、超市、机场、火车站、街道角落等便利客户的地点。人们在需要现金、查询账户信息、进行跨行转账或缴纳部分费用时，经常会使用到自动取款机。
与“银行柜员”相比，自动取款机是自助服务，效率高，不受时间限制，但功能相对固定，且无法处理复杂业务。与“网上银行”或“手机银行”相比，自动取款机提供实体现金服务，适合不熟悉电子支付或需要现金的场景，但其功能不如电子银行全面，且存在一定的安全风险。
Examples
我需要去楼下的自动取款机取点现金。
everydayI need to go to the ATM downstairs to withdraw some cash.
请您携带身份证和银行卡前往我行网点或就近的自动取款机办理业务。
formalPlease bring your ID card and bank card to our branch or the nearest ATM to conduct your transactions.
急需用钱，赶紧找个ATM机取一下。
informalI urgently need money, let's quickly find an ATM to get some.
该研究考察了自动取款机在偏远地区金融普惠性方面的作用。
academicThis study examines the role of ATMs in financial inclusion in remote areas.
Common Collocations
Common Phrases
取钱
withdraw money
查余额
check balance
转账
transfer money
Often Confused With
A POS machine is used by merchants to process credit/debit card payments from customers at the point of sale, usually in stores. An ATM is for self-service banking transactions by the cardholder.
柜员机 is often used interchangeably with 自动取款机, but sometimes can refer to more advanced machines that might offer more services or require teller assistance for certain operations.
Grammar Patterns
How to Use It
Usage Notes
The term '自动取款机' is the formal and complete name. 'ATM' is widely understood and used in both formal and informal contexts. '提款机' (cash withdrawal machine) is also common but focuses specifically on cash withdrawal.
Common Mistakes
Learners might sometimes confuse ATM functions with those of POS machines or online banking. Ensure understanding that ATMs primarily deal with physical cash and basic account inquiries.
Tips
Protect Your PIN
Always shield the keypad when entering your PIN. Never share your PIN with anyone.
Beware of Scams
Be cautious of suspicious devices attached to the card slot or keypad. Report anything unusual to the bank.
Cash Preference
In some cultures, cash is still preferred for daily transactions, making ATMs essential for accessing physical currency.
Word Origin
The term '自动取款机' is a direct translation of 'Automated Teller Machine'. 'Automated' implies it works on its own, 'Teller' refers to the bank clerk who usually handles transactions, and 'Machine' is the device itself.
Cultural Context
ATMs have significantly increased convenience in China, allowing access to cash outside of traditional banking hours. They are a ubiquitous part of urban and rural landscapes.
Memory Tip
Think of '自动' (automatic) + '取款' (withdraw money) + '机' (machine). It's a machine that automatically helps you get cash.
Frequently Asked Questions
4 questions使用自动取款机通常需要携带您的银行卡和记住您的银行卡密码。部分交易可能还需要手机或其他身份验证方式。
最常见的业务是提取现金。此外，大多数自动取款机还支持存款、查询账户余额、转账汇款、修改密码、打印流水单等功能。
如果自动取款机吞卡，请立即记录下机器编号、吞卡时间以及银行名称，然后尽快联系该银行的客服或前往银行网点处理。
在大多数情况下是安全的，但仍需注意保护个人信息。操作时注意遮挡密码输入，留意周围环境，并选择官方或信誉良好的银行ATM机。
Test Yourself
我需要去______取点钱。
根据语境，取钱需要去自动取款机。
以下哪项不是自动取款机常见的功能？
购买股票通常需要通过证券账户或专门的投资平台，而不是自动取款机。
银行卡，密码，自动取款机，输入
这是一个完整且符合语法习惯的句子，描述了在ATM操作的基本步骤。
Score: /3
Summary
An ATM is a machine that allows you to perform basic banking transactions like withdrawing cash anytime.
- Machine for cash withdrawal and other banking.
- Available 24/7 outside bank hours.
- Requires bank card and PIN.
Protect Your PIN
Always shield the keypad when entering your PIN. Never share your PIN with anyone.
Beware of Scams
Be cautious of suspicious devices attached to the card slot or keypad. Report anything unusual to the bank.
Cash Preference
In some cultures, cash is still preferred for daily transactions, making ATMs essential for accessing physical currency.
Examples
4 of 4我需要去楼下的自动取款机取点现金。
I need to go to the ATM downstairs to withdraw some cash.
请您携带身份证和银行卡前往我行网点或就近的自动取款机办理业务。
Please bring your ID card and bank card to our branch or the nearest ATM to conduct your transactions.
急需用钱，赶紧找个ATM机取一下。
I urgently need money, let's quickly find an ATM to get some.
该研究考察了自动取款机在偏远地区金融普惠性方面的作用。
This study examines the role of ATMs in financial inclusion in remote areas.
