ATM and Currency Exchange

Visiting the ATM

When you need cash, the first step is to find an ATM (bankomat). Just like in English, words related to handling money use specific financial vocabulary, such as transakcija (transaction).

I must find an ATM because I don't have cash.
Moram naći bankomat jer nemam gotovine.
This ATM declined the transaction.
Ovaj bankomat je odbio transakciju.

Inserting Cards and Making Withdrawals

The verb ubaciti means to insert or put into. You can use the conjunction čim (as soon as) to sequence your actions at the machine.

As soon as I insert the card, I will enter the PIN.
Čim ubacim karticu, unijet ću pin.

To tell someone not to do something, use the negative imperative word nemoj followed by the infinitive of the verb.

Do not insert money into this machine.
Nemoj ubaciti novac u ovaj aparat.

Banknotes and Amounts

When dealing with cash, you will handle banknotes (novčanica).

The ATM gave me only large banknotes.
Bankomat mi je dao samo velike novčanice.

You will also frequently see the word iznos (amount). When requesting or confirming a withdrawal, you will often pair it with adjectives like najveći (largest/maximum) or točan (exact).

What is the maximum amount for the payout?
Koji je najveći iznos za isplatu?
You must enter the exact amount.
Moraš unijeti točan iznos.

Checking Account Balances

When checking your bank account (račun), you will want to look for the available (raspoloživ) balance. To express that something is "on the account," use the preposition na followed by the locative case (na računu).

The available amount on the account is small.
Raspoloživi iznos na računu je mali.
Your money is currently not available.
Vaš novac trenutno nije raspoloživ.

Currency Exchange

If you need to swap foreign currency (valuta), you will visit an exchange office (mjenjačnica). To state your location at the exchange office, use the preposition u (in/at) with the locative case (u mjenjačnici).

I will change the currency at the exchange office.
Promijenit ću valutu u mjenjačnici.

Overdrafts and Cancellations

An overdraft is simply referred to as a minus (minus). Pay attention to the case used with the preposition u here: to describe being currently in a state of overdraft, use the locative case (u minusu).

My account is in overdraft again.
Moj račun je opet u minusu.

However, to describe entering that state (motion or change of state), use the accusative case (u minus).

Do not go into overdraft, that is dangerous.
Nemoj ući u minus, to je opasno.

Finally, if something goes wrong, you may need to use the verb poništiti to void or cancel your action.

I want to cancel this transaction.
Želim poništiti ovu transakciju.

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