The ATM is not working.
'Bancomat' — BAN-co-mat. Three syllables; stress on the first. Hard 'c' before 'o'.
Say this to a nearby shopkeeper or bank employee when you need to find a working cash machine. ATM failures are common in tourist areas where machines are overloaded.
'Bancomat' is both the Italian word for ATM/cash machine and for debit card — the brand name became a generic term. This is called a 'genericazione' (genericisation) — like 'post-it' or 'scotch tape'. 'Non funziona' (it is not working) is the standard malfunction phrase.
C'è un Bancomat che funziona vicino?
Is there a working ATM nearby?
Ask for an alternative cash machine location.
La mia carta è stata bloccata.
My card has been blocked.
Different problem — bank blocked the card, not the machine.
Dove posso cambiare valuta?
Where can I exchange currency?
Find an exchange bureau as an alternative to an ATM.
Italian ATMs (Bancomat) charge foreign card fees that vary by bank. Some machines add a 3–5% fee on top of your bank's charges. Using a bank's own ATM (sportello bancario) rather than standalone machines in tourist areas generally results in lower fees.