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🏦English scenario

Using an ATM and Daily Banking

Withdraw/deposit cash, check balances, and discuss simple bank services over the phone.

Scenario Goal

You will be able to use ATMs, discuss transactions, and understand bank notices.

Practice Flow

1

Start with the keywords that show up most often in this situation.

2

Learn the core phrase patterns before you try to respond on your own.

3

Then move into a dedicated practice session for scenario-specific feedback.

Keywords

The words most worth learning first for this situation.

1 / 11
Key Word
💳

ATM card

noun phrase

A useful noun phrase for this situation.

Insert your ATM card and follow the prompts.

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Details

ATM card

自动取款机/借记卡,用于在ATM取款或支付的卡片

使用说明

中国也有银行卡,但在国外ATM card常指可以在机器插卡并取款的借记卡,卡上可能写debit或ATM only。

例句

Insert your ATM card and follow the prompts.

把你的ATM卡插入并按照提示操作。

🔢

PIN

noun

A useful noun in this situation.

Enter your PIN on the keypad.

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Details

PIN

个人识别码(数字密码),通常是4到6位数字,用来验证卡片持有人身份

使用说明

在ATM输入PIN时不要报给别人;很多中国人习惯把密码说出来,英语环境要注意安全表达。

例句

Enter your PIN on the keypad.

在键盘上输入你的PIN。

💵

Withdrawal

noun

A useful noun in this situation.

Select Withdrawal and choose an amount.

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Details

Withdrawal

取款操作,指从账户取出现金

使用说明

中国人有时直接说'take money',在英语里用withdrawal更正式也更清楚,ATM屏幕一般显示 Withdraw。

例句

Select Withdrawal and choose an amount.

选择Withdrawal并选择金额。

✉️

Deposit envelope

noun phrase

A useful noun phrase for this situation.

Put the cash in the deposit envelope and insert it into the slot.

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Details

Deposit envelope

存款信封,ATM用来放现金或支票的信封包装

使用说明

有些ATM要求把现金或支票放入deposit envelope再投入投递口,中国的智能柜员机不常见这个流程,所以在国外会觉得奇怪。

例句

Put the cash in the deposit envelope and insert it into the slot.

把现金放入存款信封并投入投递口。

🧾

ATM receipt

noun phrase

A useful noun phrase for this situation.

Keep the ATM receipt for your records.

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Details

ATM receipt

ATM交易收据,显示交易时间、金额和余额等信息

使用说明

取款时机器会问要不要打印receipt,许多人忽视但遇到dispute时收据很重要。

例句

Keep the ATM receipt for your records.

保留ATM收据以备记录。

🔎

Balance inquiry

noun phrase

A useful noun phrase for this situation.

Choose Balance Inquiry to view your available funds.

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Details

Balance inquiry

余额查询,查看账户当前可用余额或可用资金

使用说明

在ATM和电话客服都可以做balance inquiry。中国人在英语里常说'check balance',也可以用这个短语更正式一点。

例句

Choose Balance Inquiry to view your available funds.

选择Balance Inquiry查看可用资金。

Daily withdrawal limit

noun phrase

A useful noun phrase for this situation.

My daily withdrawal limit is set at $500.

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Details

Daily withdrawal limit

每日取款限额,ATM或银行对每天最多可取金额的限制

使用说明

在国外很多卡有daily withdrawal limit,超过会被拒绝,旅行前最好确认限额和分行备用方案。

例句

My daily withdrawal limit is set at $500.

我的每日取款限额被设为500美元。

⚠️

Overdraft fee

noun phrase

A useful noun phrase for this situation.

I was charged an overdraft fee last week.

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Details

Overdraft fee

透支费用,当账户透支时银行收取的费用

使用说明

很多中国人不熟悉overdraft概念,会因为小额短款被收取高额fee,注意查看account terms。

例句

I was charged an overdraft fee last week.

我上周被收取了一笔透支费用。

🕵️

Card skimming

noun phrase

A useful noun phrase for this situation.

If the card slot looks tampered with, it might be a card skimming attempt.

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Details

Card skimming

盗刷设备,指在ATM安装的非法读卡设备窃取卡信息的行为

使用说明

国外有时会遇到skimming,插卡前检查读卡口是否松动或有异常,ATM前方可见摄像头也可能是风险点。

例句

If the card slot looks tampered with, it might be a card skimming attempt.

如果取卡口看起来被动过手脚,可能是盗刷设备的企图。

💸

ATM network fee

noun phrase

A useful noun phrase for this situation.

This ATM charges an ATM network fee of $3.

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Details

ATM network fee

跨行或使用外部ATM时被收取的网络手续费

使用说明

使用别家银行的ATM常见network fee,取款前屏幕通常会提示费用,很多人不知道可以要求waive或在月结中申请返还。

例句

This ATM charges an ATM network fee of $3.

这个ATM会收取3美元的网络手续费。

❄️

Freeze account

noun phrase

A useful noun phrase for this situation.

I need to freeze my account after losing my card.

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Details

Freeze account

冻结账户,临时停止卡片或账户交易以防止进一步损失

使用说明

当卡丢失或怀疑被盗刷时,电话banking常用到freeze account来立即阻止交易,是常见紧急操作。

例句

I need to freeze my account after losing my card.

我丢失卡片后需要冻结我的账户。

💡Click a card to flip it and see more details

How To Say It

Use these natural phrases to sound confident in real situations.

1Survival phrases
I'd like to withdraw cash
💡

Why it works

This phrase is clear, natural, and easy to use in this situation.

Don't Say This

Common mistakes and how to sound more natural.

My card lost

Say instead

I lost my card

I want withdraw money

Say instead

I want to withdraw money

Check my balance please

Say instead

Can you check my balance?

Take out cash from my account

Say instead

Withdraw cash from my account

Quick Recap

Keep these points in mind before you start.

Key Takeaways

🎯

Situation goal

You will be able to use ATMs, discuss transactions, and understand bank notices.

🗣️

Useful phrase

Start with a line like "I'd like to withdraw cash".

Stay natural

Use clear, polite wording that matches the context instead of translating too literally.

Key Phrases to Know

  1. 1

    I'd like to withdraw cash

  2. 2

    Can you check my balance?

  3. 3

    My card was retained by the machine

Cultural Note

在英语国家,ATM吞卡或可疑交易需要马上通过银行热线报备并冻结卡片;很多费用(如ATM network fee或overdraft fee)会自动产生,遇到不明收费可以在电话或branch要求解释或申请waive。

Practice mode

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