FriendTM refers to the situation when a friend low on cash (the paper kind) pays the group’s bill on his/her debit card in order to get the cash from their friends--therefore avoiding both the ATM surcharge and the inconvenience of finding one.

“朋友提款機”指一群朋友出去消費后，其中一人用自己的借記卡買單，然后從朋友那里收取他們應付的部分，由此解決自己手中現金不足的狀況。這樣一來，此人既不用費力尋找自動提款機，同時還能省一筆提款手續費。

For example:

Hey guys, can I FriendTM this? I don’t have any cash.

各位，我能用我的卡結帳然后你們給我現金嗎?我手里沒有現金了。