提款 means 'to withdraw (money)'—specifically, the act of taking cash out of a bank account or financial institution. The character 提 (tí) means 'to lift' or 'to draw out', and 款 (kuǎn) means 'funds' or 'money'. Together, they literally convey 'drawing out funds', which perfectly captures the core meaning. This term is used almost exclusively in formal or transactional contexts, such as banking, ATMs, or online finance.

You’ll commonly see 提款 in phrases like 提款机 (ATM), 银行提款 (bank withdrawal), or online banking interfaces. It’s not used for casual spending or using money already in hand—it specifically refers to the transfer of funds from an account into physical cash or another accessible form. While it can appear in spoken Chinese, it’s more frequent in written notices, apps, and official communications than in everyday conversation.