صاحبتي قالت لي: لما الرصيد يخلص، ابعتيلي وانا اشحنهولك.

It can mean either, depending on context.

In Egyptian Arabic, صاحب / صاحبة are very common colloquial words. صاحبتي literally means my female companion/friend.

Possible meanings:

• my female friend
• my girlfriend

If the wider context is casual friendship, learners usually understand it as my friend. If it is romantic context, it can mean my girlfriend.

Also, compared with صديقتي, صاحبتي sounds more everyday Egyptian, while صديقتي sounds more formal/MSA-like.

Because صاحبتي is feminine.

• قال = he said
• قالت = she said

So صاحبتي قالت لي means my female friend said to me.

Because with قال in Arabic, the person you say something to is usually introduced with لـ.

So:

• قالت لي = she said to me
• In smoother English, this can simply be she told me or she said to me

In everyday Egyptian writing, you will very often see it written as one chunk:

• قالتلي

That is the same thing, just more colloquial spelling.

Here لما means when.

So:

• لما الرصيد يخلص = when the balance runs out

In Egyptian Arabic, لما is very common for time clauses like when X happens.

It is different from:

• لو = if in a more hypothetical sense
• formal عندما = when in MSA/formal Arabic

Also, this is not the MSA negative لما meaning not yet. Here it is simply when.

Because in Egyptian Arabic, if the owner is obvious from context, speakers often use the noun instead of explicitly saying your noun.

So الرصيد here naturally means:

• the balance
• and in context, really your phone credit/balance

Both are possible:

• لما الرصيد يخلص = natural colloquial
• لما رصيدك يخلص = more explicit, also correct

English often prefers your balance, but Egyptian Arabic does not always need the possessive.

Here الرصيد means phone credit / mobile balance.

In other contexts, رصيد can mean:

• balance
• credit
• available amount

But because the next part says اشحنهولك, the meaning is clearly phone credit that can be topped up.

يخلص comes from خلص, which is a very common verb with several related meanings, such as:

• to finish
• to be over
• to be used up
• to run out

So with الرصيد, يخلص means:

• runs out
• gets used up

So:

• لما الرصيد يخلص = when the credit runs out

Because after لما in a clause like this, Egyptian often uses the plain imperfect without بـ.

Very roughly:

• بيخلص often sounds more like habitual/simple present: it runs out / it usually runs out
• يخلص after لما fits the meaning when it runs out

So this pattern is very normal:

• لما يوصل
• لما ييجي
• لما يخلص

Because الرصيد is masculine singular.

In Arabic, the verb agrees with the noun’s gender and number. So:

• الرصيد يخلص = masculine singular
• if the noun were feminine singular, you would expect تـ instead:
  • for example, البطارية تخلص = the battery runs out

ابعتيلي is:

• ابعتي = send! said to one female
• لي = to me / me

So ابعتيلي means:

• send me
• or more naturally in context, send me a message / text me

It is feminine singular, so the speaker is addressing a woman.

Compare:

• ابعتلي = say it to one man
• ابعتيلي = say it to one woman
• ابعتولي = say it to a group

Yes, literally it is send to me / send me.

But the direct object is omitted because it is understood from context. In natural English, this could mean:

• text me
• send me a message
• message me
• reach out to me

Arabic often leaves out an object if it is obvious.

Because in Egyptian Arabic, the plain present can express a future meaning when the context already points to the future.

Here the sequence is:

• when the balance runs out
• send me
• and I top it up for you

In English, we usually say:

• and I’ll top it up for you

So the future meaning comes from the context, not necessarily from a separate future marker.

You may also hear:

• وهشحنهولك

That version makes the future more explicit: and I’ll top it up for you.

It breaks down like this:

• اشحن = I top up / I charge
• ـه = it
• ـلك = for you / to you

Together:

• اشحنهولك = I top it up for you

So the sentence means:

• When the credit runs out, message me and I’ll top it up for you.

No. That و is not the conjunction and.

In forms like this, Egyptian Arabic often inserts a linker sound when one pronoun suffix is followed by another.

So:

• ـه = it
• ـلك = for you
• together in Egyptian colloquial: ـهولك

This is very common in spoken Egyptian. Similar patterns appear in words like:

• ادهولي = give it to me
• ابعتهولها = send it to her

So in اشحنهولك, the و is just part of the combined pronoun pattern.

Yes.

The clue is ابعتيلي, which is the feminine singular imperative. So the speaker is telling one woman:

• When the balance runs out, message me and I’ll top it up for you.

If the speaker were talking to a man, it would be:

• لما الرصيد يخلص، ابعتلي وانا اشحنهولك

If talking to more than one person:

• لما الرصيد يخلص، ابعتولي وانا اشحنهولكم

A simple learner-friendly pronunciation would be:

ṣaḥbti 'ālet li: lamma r-raṣīd yikhlaṣ, ibʿatīli w-ana ashḥanhūlik

A few notes:

• الرصيد is pronounced with assimilated ال, so it sounds like ir-raṣīd / r-raṣīd
• ابعتيلي has the feminine ending -i
• اشحنهولك is one of those very colloquial Egyptian stacked-pronoun forms learners need time to get used to