【中文版】

ATM转账是一种常见的转账方式，它允许用户在ATM机上将资金从一张银行卡转账到另一张银行卡。ATM转账通常在转账后24小时内到账，但具体时间取决于银行的处理速度和转账金额等因素。

在ATM转账过程中，银行会收取一定的手续费，这个费用通常是根据转账金额和转账类型来确定的。此外，如果用户在转账过程中出现任何错误或问题，他们需要联系银行客服进行咨询和处理。

需要注意的是，ATM转账的到账时间可能会受到一些因素的影响。例如，如果银行在周末或公共假期进行转账处理，到账时间可能会比正常工作日要慢一些。此外，如果转账金额过大或存在任何异常情况，银行可能会进行额外的审核和调查，这也会导致到账时间的延迟。

总的来说，ATM转账是一种方便快捷的转账方式，它可以在短时间内将资金从一个账户转移到另一个账户。但是，用户需要注意银行的手续费和到账时间等因素，以便更好地利用这种转账方式。

【英文版】

ATM transfer is a common way to transfer funds, allowing users to transfer money from one bank card to another through an ATM machine. ATM transfers usually arrive within 24 hours after the transfer, but the specific time depends on the bank's processing speed and the amount of the transfer.

During the ATM transfer process, the bank will charge a certain service fee, which is usually determined by the transfer amount and transfer type. In addition, if the user encounters any errors or problems during the transfer process, they need to contact customer service for consultation and handling.

It should be noted that the arrival time of ATM transfers may be affected by some factors. For example, if the bank processes transfers on weekends or public holidays, the arrival time may be slower than normal working days. In addition, if the transfer amount is too large or there are any abnormal situations, the bank may conduct additional reviews and investigations, which can also lead to a delay in arrival time.

Overall, ATM transfer is a convenient and fast way to transfer funds, which can quickly transfer funds from one account to another. However, users need to be aware of factors such as bank fees and arrival times in order to better utilize this transfer method.