wǒ xiǎng qǔkuǎn, ér tā xiǎng cúnkuǎn.

In this sentence, 想 means want to or would like to.

So:

• 我想取款 = I want to withdraw money
• 他想存款 = He wants to deposit money

想 can also mean to think in other contexts, but when it is followed by a verb, it often means want to do something.

Pattern:

• 想 + verb

Examples:

• 我想吃饭。 = I want to eat.
• 她想去银行。 = She wants to go to the bank.

Mandarin does not need a separate word like English to in this structure.

The pattern is simply:

• 想 + verb

So:

• 想取款 = want withdraw money
• 想存款 = want deposit money

This is very normal in Chinese. Many modal-like verbs work this way:

• 要去 = want to go
• 能来 = can come
• 会说 = know how to speak / can speak

They can function as verbs or nouns, depending on the sentence.

In your sentence, they are acting like verbs:

• 取款 = to withdraw money
• 存款 = to deposit money

But they can also be nouns:

• 取款 = a withdrawal
• 存款 = a deposit / savings

For example:

• 我要取款。 = I want to withdraw money.
• 这是我的存款。 = This is my deposit/savings.

This is common in Chinese: the same word can often act as different parts of speech depending on context.

Because 取款 and 存款 already include the idea of dealing with funds in a bank context.

• 取 = take out, withdraw
• 存 = deposit, save
• 款 = funds / money payment

So 取款 already means withdraw money, and 存款 already means deposit money. You do not need an extra word like 钱 here.

If you added 钱, it would usually be expressed differently, such as:

• 取钱 = withdraw money / take out money
• 存钱 = deposit money / save money

Those are also common, but 取款 / 存款 sound a bit more formal or banking-related.

Here, 而 links two contrasting ideas:

• 我想取款，而他想存款。
• I want to withdraw money, whereas he wants to deposit money.

So 而 can mean something like:

• while
• whereas
• but (in a contrastive sense)

Why not 但是?

• 但是 is a very common word for but
• 而 is often a little more concise and slightly more formal or written in tone

Both can work in many contexts, but they feel a little different:

• 我想取款，但是他想存款。
  = I want to withdraw money, but he wants to deposit money.

This is understandable, but 而 fits especially well when you are calmly contrasting two parallel actions.

Yes, but it can feel a bit more formal or literary than some other connectors.

In everyday speech, native speakers might also say:

• 我想取款，他想存款。
  = I want to withdraw money; he wants to deposit money.
• 我想取款，可是他想存款。
• 我想取款，但是他想存款。

So 而 is definitely correct, but in casual conversation, many speakers might choose simpler connectors or even no connector at all if the contrast is already clear.

Chinese word order here is very similar to English:

• subject + 想 + verb

So:

• 我 = I
• 想 = want to
• 取款 = withdraw money

Together:

• 我想取款 = I want to withdraw money

And similarly:

• 他想存款 = He wants to deposit money

This sentence is a good example of a very common Chinese pattern that English speakers usually find straightforward.

The comma separates the two clauses:

• 我想取款
• 而他想存款

It helps show the pause and the contrast.

In Chinese, punctuation is used much like in English, although the shapes are often full-width Chinese punctuation marks. The comma here is the Chinese comma:

• ，

So the structure is:

• first clause + comma + contrasting second clause

No. Standard written Chinese normally does not put spaces between words.

A native-style version would be written like this:

• 我想取款，而他想存款。

Learning materials often insert spaces to help beginners see the word boundaries:

• 我 / 想 / 取款 / 而 / 他 / 想 / 存款

That is useful for study, but it is not how normal Chinese text is written.

The pinyin is:

• Wǒ xiǎng qǔkuǎn, ér tā xiǎng cúnkuǎn.

A few pronunciation notes:

• 我 wǒ = 3rd tone
• 想 xiǎng = 3rd tone
• 取 qǔ = 3rd tone
• 款 kuǎn = 3rd tone
• 而 ér = 2nd tone
• 他 tā = 1st tone
• 存 cún = 2nd tone
• 款 kuǎn = 3rd tone

When speaking naturally, don’t say every syllable in an overly separate way. Let it flow as two chunks:

• 我想取款
• 而他想存款

Also, Chinese tones are still important even in a full sentence, so try not to flatten them too much.

In written Chinese:

• 他 = he
• 她 = she
• 它 = it

But in spoken Mandarin, they are all pronounced tā.

So if you only hear the sentence, tā could refer to he, she, or it, depending on context. The written character tells you which one is meant.

In your sentence, because the character is 他, it specifically means he.

Yes, in some varieties of Chinese, especially in Taiwan, 提款 is commonly used for withdraw money.

So:

• 取款 = common in Mainland Mandarin
• 提款 = also common, especially in Taiwan

Similarly, banking vocabulary can vary by region. Your sentence uses a very standard and correct form, especially for Mainland Mandarin learning materials.

Yes. That sounds natural and is fully understandable.

Chinese often leaves the relationship between clauses to context, especially when the contrast is obvious.

So these are all possible:

• 我想取款，而他想存款。
• 我想取款，他想存款。
• 我想取款，但是他想存款。

Using 而 makes the contrast a little clearer and neater, but it is not always required.

It is mostly neutral, but the vocabulary is slightly banking/formal because of 取款 and 存款.

Compare:

• 我想取款，而他想存款。
  Slightly formal/precise, suitable in a bank context
• 我想取钱，他想存钱。
  More everyday and conversational

Both are correct. The version with 款 sounds a bit more like standard bank-service language.

Yes, depending on the nuance.

For example:

• 我要取款，而他要存款。
  = I want to withdraw money, and he wants to deposit money.
  要 can sound stronger or more direct than 想.

• 我想要取款，而他想要存款。
  = I would like to withdraw money, and he would like to deposit money.
  This is possible, but often less concise.

• 我想去取款，而他想去存款。
  This is less natural unless you specifically mean go and do the transaction.

So 想 works very well here because it is simple and natural for expressing desire or intention.