How to handle banking and telecom in English abroad?

Of course, I can help. What seems to be the problem? Is the machine not accepting your card?

当然，我来帮您。请问是什么问题？机器不接受您的卡吗？

No problem. You'll want to select "Withdrawal," then choose "Checking." After that, enter the amount you'd like. Would you like me to walk you through it?

没问题。您选"Withdrawal"（取款），然后选"Checking"（活期）。之后输入您要取的金额就行。需要我一步一步带您操作吗？

There is usually a surcharge for out-of-network cards — typically around three to five dollars per transaction. Your own bank might also charge an international ATM fee on top of that.

非本行卡通常会收一笔附加费——一般每笔交易3到5美元。您自己的银行也可能另外收一笔国际ATM手续费。

💡 在美国用中国银联卡取现，ATM会收2-5美元手续费，发卡行也会收费。建议一次多取减少次数。

Sure. Just select the amount here — you can choose from the preset amounts, or tap "Other" to enter a custom amount. This machine dispenses twenties and fifties.

可以。在这里选金额——您可以选预设的金额，或者点"Other"输入自定义金额。这台机器出20和50面值的钞票。

That's just asking if you want a printed receipt. I'd recommend selecting "Yes" so you have a record of the transaction, especially with a foreign card.

这是问您要不要打印收据。我建议选"Yes"，这样您有交易记录，用国外的卡尤其建议保留。

You're welcome! Don't forget to take your card. Have a good day!

不客气！别忘了取走您的卡。祝您愉快！

I'm sorry to hear that. That can happen sometimes, especially with foreign cards. Can you tell me which ATM it was? And do you remember if it showed any error message?

很抱歉发生这种情况。这种事偶尔会发生，尤其是外国卡。您能告诉我是哪台ATM吗？还记得屏幕上有没有显示什么错误信息？

I understand. Unfortunately, if the ATM has retained your card, we can't retrieve it right away. The machine will need to be opened by our technician. Can I see your ID — a passport would work — so I can file a report?

我明白了。很遗憾，如果ATM已经吞卡，我们没办法马上取出来。需要技术人员来开机器。我能看一下您的证件吗？护照就行——我好做一份记录。

💡 ATM吞卡后通常不能立即取回，需要等银行技术人员。建议随身携带护照复印件以备不时之需。

It typically takes two to three business days to retrieve a retained card. Since you're leaving soon, I'd recommend contacting your bank's international hotline to report the issue. They can usually send a replacement to your home address or block the card and issue a new one.

通常需要两到三个工作日才能取回被吞的卡。既然您很快要离开，我建议您联系发卡行的国际客服热线报告此事。他们通常可以把新卡寄到您的家庭地址，或者冻结旧卡重新发一张。

If you have a credit card, you could get a cash advance at the counter, though there will be a fee. Alternatively, you could use a service like Western Union to have someone wire you money. You might also try using a mobile payment app if you have one set up.

如果您有信用卡，可以在柜台做信用卡取现，不过会有手续费。您也可以用西联汇款让别人给您汇钱。如果设置了手机支付app的话，也可以试试。

Yes, we can process that for you. Please bring your credit card and passport to window three. There's usually a fee of around three percent plus a flat fee from your card issuer. How much would you like to withdraw?

可以的，我们可以帮您办理。请带着您的信用卡和护照到三号窗口。通常会收取大约3%的手续费，再加上发卡行的一笔固定费用。您想取多少？

Absolutely. Here's the incident report with the reference number. I've also written down our branch phone number in case you need to call. Is there anything else I can help with?

当然。这是事故报告和参考编号。我还写了我们网点的电话号码，以防您需要打电话。还有其他需要帮助的吗？