Banking & ATM

1. Fejn hemm ATM fil-qrib?

   Is there an ATM nearby?

   Usage

   Used when looking for a cash machine in the area

   Grammar Note

   In Malta, ATMs are also called "bankomat." The English term "ATM" is widely understood

2. Nixtieq nbiddel il-flus.

   I would like to exchange money.

   Usage

   Used when asking to exchange foreign currency

   Grammar Note

   "Flus" derives from Arabic "fulūs" (money). The definite article is l- after a vowel and il- after a consonant, hence "nbiddel il-flus"

3. X'inhi r-rata tal-kambju?

   What is the exchange rate?

   Usage

   Used when asking for the current exchange rate

   Grammar Note

   "X'inhi" contracts "xiex" (what) and "hija" (is, feminine). "Kambju" derives from Italian "cambio" (exchange)

4. Nixtieq niftaħ kont fil-bank.

   I would like to open a bank account.

   Usage

   Used when requesting to open a bank account

   Grammar Note

   "Kont" (account) derives from Italian "conto" (account/bill)

5. Tista' tagħmilli trasferiment?

   Can you make a transfer for me?

   Usage

   Used when requesting a bank transfer

   Grammar Note

   "Tagħmilli" combines "tagħmel" (to do/make) with the indirect object suffix "-li" (for me)

6. Il-karta tiegħi ma taħdimx.

   My card is not working.

   Usage

   Used when your card is declined or not functioning

   Grammar Note

   Negation wraps the verb: "ma...x." "Taħdimx" is the negated form of "taħdem" (to work)

7. Kemm huma l-ispejjeż?

   What are the fees?

   Usage

   Used when asking about banking fees or transaction costs

   Grammar Note

   "Ispejjeż" is from Italian "spese" (expenses); in Maltese it carries a prosthetic "i-"

8. Nixtieq nieħu l-flus tiegħi mill-kont.

   I would like to withdraw my money.

   Usage

   Used when withdrawing cash at a bank or ATM

   Grammar Note

   "Nixtieq nieħu ..." means "I would like to take ..."; with "mill-kont" (from the account) it expresses withdrawing money

9. Fejn nista' nħallas il-kontijiet?

   Where can I pay the bills?

   Usage

   Used when asking where to pay utility bills or invoices

   Grammar Note

   "Kontijiet" is the plural of "kont" (account/bill). "-ijiet" is a common Maltese plural suffix

10. Għandek dokument tal-identità?

    Do you have an identity document?

    Usage

    Used when requesting identification at a bank or official institution

    Grammar Note

    "Tal-identità" contracts "ta'" (of) with the article; "identità" is borrowed from Italian

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