Nowadays we have grown so accustomed to using our bank cards that you can hardly imagine a situation in which an automated teller machine (ATM) refuses to accept a card or there is no ATM nearby whatsoever. However, this is still a common lifestyle in some parts of the world where ATMs are not as widespread or ATMs accept only certain types of bank or non-bank cards. Moreover, if you are withdrawing money from an ATM in a currency other than the currency in which your bank account is denominated, a currency conversion is executed. Sometimes you might stumble across a problem simply because you could fail to recognise the local name for an ATM. Imagine a situation when you look for an ATM in another country without knowing the local language. The illuminated plates with the word ABM (automated banking machine) in Britain, or Bankomat (which is a common name throughout Europe and Russia) pointing to an ATM might well mean nothing to you. Alternatively, you could find it difficult to find an ATM simply because they are placed inside buildings. Taking the sender’s perspective, you can utilise whatever method is suitable to credit someone else’s bank card or to send money to it, but it is always a good idea to first familiarise with the recipient’s local banking system and bank card system before conducting a currency transfer. Some countries have imposed restrictions on online money transfers, for instance; the ATMs in other countries do not accept cards of widespread bank card associations like those of, say, VISA or MasterCard. Recently, India imposed restrictions on currency transfers conducted by one of the most popular online money transfer services, while other online providers do not allow users in Pakistan to open accounts with them. Various limitations and restrictions can apply not only to online currency transfers but also to ATMs. Usually, an ATM features its bank owner logo at a visible place on the front panel and in most cases also a list of ATM networks to which that machine is connected. This allows a customer to find out whether his bank card is accepted by this machine or not and possibly to see if any withdrawal surcharge is applicable. Knowing that the ATMs around you accept your card, you can safely ask for a money transfer to be sent to you. If you are not sure about the properties and locations of nearby ATMs, you can check online; there are plenty of online tools (called ATM locators) which will help you find the closest ATM to you and will provide a list of accepted bank or non-bank cards. There is a good chance that the ATM around the corner will accept cards associated with VISA, Maestro, MasterCard or American Express but it will take only a couple of minutes to check online or obtain information first hand to avoid a possible frustrating experience later.