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### 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).

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### 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.

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

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### Banknotes and Amounts

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

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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).

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### 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*).

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### 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*).

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### 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*). 

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

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

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ATM and Currency Exchange

adjective

adverb

conjunction

determiner

interjection

noun

numeral

particle

prep

preposition

pronoun

sentence

verb

Singular pronouns and to be (sam, si, je)

Noun genders (-Ø, -a, -o/-e)

Demonstrative pronouns (ovaj, ova, ovo)

Plural pronouns and to be (smo, ste, su)

Masculine plural nouns (-i)

Feminine plural nouns (-e)

Neuter plural nouns (-a)

Full verb to be (jesam, jesi)

Negative verb to be (nisam, nisi)

Yes/no questions (je li)

Wh- questions (tko, gdje)

Formal vs informal address (ti vs Vi)

Regular present tense (-ati)

Regular present tense (-iti)

Regular present tense (-jeti)

Verb negation (ne)

The verb to have (imati / nemati)

Inanimate direct objects

Feminine direct objects (-u)

Plural direct objects (-e, -a)

Accusative pronouns (me, te, ga, ju)

Adjective agreement

Plural adjectives

Accusative adjectives

Numbers 1 to 10 (jedan, dva, tri)

The locative case (-u)

Feminine locative (-i)

The verb to go (ići)

Destination (u, na)

The genitive case (-a)

Accusative pronouns (nas, vas, ga, ih)

Animate masculine accusative (-a)

Adjective agreement for animate masculine (-og, -eg)

The verb can (moći)

The verb must (morati)

The verb to want (htjeti, hoću)

The future tense (ću/ćeš + infinitive)

The past tense: l-participle (radio, radila)

Past tense word order (Prvo sam radio...)

Past tense with plural subjects (-li, -le, -la)

Feminine genitive singular (-e)

Possession and origin (od, iz)

Negative existence (nema)

Numbers 2, 3, and 4

Genitive plural (-a)

Numbers 11 to 20

Past tense negation (nisam)

Past tense questions (jeste li)

Dative singular

Dative pronouns (ti, mu, joj)

Past tense negation (nisam, nisi...)

Double object pronouns (mu ga, ti ju...)

Reflexive verbs (se)

Reflexive clitic word order

Commands and requests (radi, radite)

Plural demonstratives (ovi, ove, ova)

Possessive determiners (moj, naš, njegov)

Greetings (Dobar dan, doviđenja)

The body: Boli me glava

Directions (lijevo, desno, ravno)

There is, there are (ima)

Politeness (molim vas, hvala lijepa)

How you feel (Sviđa mi se)

Counting by tens to 100 (trideset, četrdeset...)

Quantifiers with the genitive case (malo, puno...)

Adjective agreement in the genitive singular (-og, -e)

Adjective agreement in the genitive plural (-ih)

Genitive prepositions (kod, do, bez...)

Asking what kind and which (kakav, koji)

Possessive determiners (njegov, njezin...)

Possessives in the accusative case

The reflexive possessive (svoj)

Indefinite pronouns (netko, nešto, neki)

Negative pronouns (nitko, ništa)

The verb to need (trebati)

Reciprocal verbs (se)

Introduction to verbal aspect

Perfective verbs with prefixes

Perfective verbs with stem changes

Irregular perfective verbs

Aspect in the past tense

Aspect in the future tense

Vehicular motion (voziti se, putovati)

Arrival and departure ('doći', 'otići')

Entering and exiting ('ući', 'izaći')

Singular accompaniment ('s', 'sa')

Question	Answer
ATM	bankomat
I must find an ATM because I don't have cash.	Moram naći bankomat jer nemam gotovine.
transaction	transakcija
This ATM declined the transaction.	Ovaj bankomat je odbio transakciju.
to insert / to sink (a ball)	ubaciti
As soon as I insert the card, I will enter the PIN.	Čim ubacim karticu, unijet ću pin.
Do not insert money into this machine.	Nemoj ubaciti novac u ovaj aparat.
banknote	novčanica
The ATM gave me only large banknotes.	Bankomat mi je dao samo velike novčanice.
I do not have small banknotes for coffee.	Nemam sitne novčanice za kavu.
Every transaction costs one euro.	Svaka transakcija košta jedan euro.
amount (of money)	iznos
What is the maximum amount for the payout?	Koji je najveći iznos za isplatu?
You must enter the exact amount.	Moraš unijeti točan iznos.
available (at one's disposal)	raspoloživ
bank account	račun
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	valuta
Foreign currencies are expensive today.	Strane valute su danas skupe.
exchange office	mjenjačnica
I will change the currency at the exchange office.	Promijenit ću valutu u mjenjačnici.
The exchange office is closed on Sunday.	Mjenjačnica je zatvorena u nedjelju.
overdraft	minus
My account is in overdraft again.	Moj račun je opet u minusu.
Do not go into overdraft, that is dangerous.	Nemoj ući u minus, to je opasno.
to cancel (annul, void)	poništiti
I want to cancel this transaction.	Želim poništiti ovu transakciju.
The bank cancelled my card.	Banka je poništila moju karticu.
to change, to exchange (imperfective)	mijenjati
Here we exchange euros for dollars.	Ovdje mijenjamo eure u dolare.
He often changes jobs.	Često mijenja posao.
dough (slang for money)	lova
I don't have the dough for the cinema.	Nemam love za kino.
Where did you spend all the dough?	Gdje si potrošio svu lovu?

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