tā búhuì zhuǎnzhàng.

This is a very common Mandarin tone change rule.

不 is normally fourth tone: bù.
But when 不 comes before another fourth-tone syllable, it changes to second tone.

• 不
  • 会
• 会 is fourth tone: huì
• So 不 becomes bú

That is why you say búhuì, not bùhuì.

In this sentence, 会 means to know how to or to be able to because of having learned a skill.

So 不会转账 means:

• he doesn’t know how to transfer money
• he can’t do a bank transfer because he lacks the know-how

This is different from some other meanings of 会, such as:

• will in the future: 他会来 = he will come
• be likely to: 会下雨 = it may rain / it’s likely to rain

Here, because 会 is followed by the action 转账, it most naturally means know how to do.

This is one of the most useful distinctions to learn.

不会

Means doesn’t know how to, or sometimes won’t depending on context.

• 他不会转账。
  He doesn’t know how to transfer money.

不能

Means cannot because of rules, conditions, or inability not related to skill.

• 他现在不能转账。
  He can’t transfer money right now.
  Maybe the system is down, his account is frozen, or it’s not allowed.

So in your sentence, 不会 suggests a skill/knowledge problem, not a restriction.

Yes, in some contexts 不会 + verb can mean won’t.

For example:

• 他不会骗你。
  He wouldn’t deceive you / He won’t deceive you.

But with 转账, the most natural reading is usually he doesn’t know how to make a transfer, especially if the sentence is presented to a learner without extra context.

So:

• 他不会转账。
  usually = He doesn’t know how to transfer money.

If you want to clearly say he refuses / he won’t transfer the money, people might say:

• 他不肯转账。 = He is unwilling to transfer money.
• 他不转账。 = He isn’t transferring money / He won’t transfer it.

Context matters a lot.

转账 means to transfer money, usually between bank accounts or through a payment app.

It is commonly used for:

• bank transfers
• transferring money electronically
• sending money through services like WeChat Pay or Alipay, depending on context

Examples:

• 我给你转账。
  I’ll transfer money to you.
• 可以转账吗？
  Can I transfer the money?
• 转账成功了。
  The transfer went through.

It does not usually mean transferring general objects. It is specifically about money/account transfers.

Because the sentence is talking about the action in general.

他不会转账。
= He doesn’t know how to make a transfer.

Chinese often leaves out the object when it is obvious, unimportant, or meant generally.

If you want to add more detail, you can:

• 他不会给我转账。
  He doesn’t know how to transfer money to me.
• 他不会转账给我。
  He doesn’t know how to transfer money to me.
• 他不会往这个账户转账。
  He doesn’t know how to transfer money to this account.

So the object is not required if the general action is enough.

The pattern is:

Subject + 会 / 不会 + Verb

In your sentence:

• 他 = subject
• 不会 = modal verb / auxiliary
• 转账 = main verb

So:

• 他不会转账。
• He doesn’t know how to transfer money.

This is a very common Chinese sentence pattern:

• 我会做饭。 = I know how to cook.
• 她不会开车。 = She doesn’t know how to drive.
• 你会游泳吗？ = Can you swim?

In writing, 他 usually means he.

But in spoken Mandarin:

• 他 = tā
• 她 = tā
• 它 = tā

They are all pronounced the same: tā.

So in speech, you only hear tā, and you need context to know whether it means he, she, or it.
In writing, the character tells you which one it is.

There are two very common ways.

1. Add 吗

• 他会转账吗？
• Does he know how to transfer money?

2. Use the A-not-A pattern

• 他会不会转账？
• Does he know how to transfer money?

Both are natural.
The A-not-A form often feels a bit more conversational.

No. That is not correct.

With 会 meaning know how to / can, the normal negative is 不会, not 没会.

• 他不会转账。 = correct
• 他没会转账。 = incorrect

In Mandarin, 没 is usually used to negate:

• 有: 没有
• past actions with done/not done meaning: 没去, 没看, 没吃

But for 会 as ability/skill, use 不:

• 不会说中文
• 不会开车
• 不会转账

转账 is pronounced zhuǎnzhàng.

Tone breakdown:

• 转 = third tone: zhuǎn
• 账 = fourth tone: zhàng

A few tips:

1. zh is a retroflex sound, not like English z
2. uan in zhuǎn is pronounced as one syllable, roughly like jwan but with a retroflex beginning
3. 账 has a strong falling fourth tone

Whole sentence:

• tā búhuì zhuǎnzhàng

In everyday use, treat 转账 as a normal verb-object-like word that often stays together.

You will commonly see:

• 转账给他
• 转账到这个账户
• 我已经转账了

Sometimes Chinese allows insertion in natural speech, such as:

• 转个账
• 转一下账

But as a beginner, it is safest to learn it as one unit: 转账 = transfer money.

Then you would usually use something other than 不会.

Examples:

• 他现在不能转账。
  He can’t transfer money right now.
• 他没法转账。
  He has no way to transfer money.
• 他转不了账。
  He can’t make the transfer.

These forms suggest a practical problem such as:

• no internet
• account restrictions
• technical failure
• no access to the app or bank

By contrast, 他不会转账 usually points to not knowing how.