البنك رح يستبدل البطاقة ببطاقة مؤقتة بكرا.

رح is a very common Levantine future marker. It means will / going to.

So:

• رح يستبدل = will replace

You may also hear راح instead of رح. Both are common in Levantine Arabic.

يستبدل means to replace / substitute. It comes from a more formal verb pattern, and it fits well in a sentence about a bank.

In everyday Levantine, many speakers might also say something like:

• رح يبدّل البطاقة = he/it will change the card

But in a banking or official context, يستبدل sounds very natural.

In Arabic, verbs agree with the grammatical gender and number of the subject. البنك is grammatically masculine singular, so the verb is also masculine singular:

• البنك = the bank
• يستبدل = he/it replaces

Arabic often uses the same verb form for he and it, so here it means it will replace, referring to the bank.

This is the structure of replace X with Y.

• البطاقة = the card → the thing being replaced
• ببطاقة مؤقتة = with a temporary card → the replacement

So:

• يستبدل البطاقة ببطاقة مؤقتة = replace the card with a temporary card

The preposition بـ here means something like with / by means of in this pattern.

Because it is made of:

• بـ = the preposition with
• بطاقة = card

So they join together:

• ب + بطاقة = ببطاقة

In pronunciation, this often sounds like b-biTā'a or b-bitā'a, depending on the speaker.

This shows the difference between the card and a temporary card.

• البطاقة = the card → a specific, known card
• بطاقة مؤقتة = a temporary card → indefinite, not a specific known one

So the sentence means:

• replace the card with a temporary card

not

• replace a card with the temporary card

Because it describes بطاقة, and بطاقة is a feminine noun.

So the adjective has to agree with the noun:

• بطاقة = feminine
• مؤقتة = feminine form of temporary

This is standard adjective agreement in Arabic.

It is a mix of Levantine and more formal Arabic, which is very common in real life.

Levantine parts:

• رح = will
• بكرا = tomorrow

More formal or standard-style vocabulary:

• يستبدل
• البطاقة
• مؤقتة

This kind of mixing is extremely normal, especially in topics like banking, medicine, government, and technology.

Yes. A more casual version might be:

• البنك رح يبدّل البطاقة ببطاقة مؤقتة بكرا

or even, depending on region and style:

• البنك رح يعطوك بطاقة مؤقتة بكرا بدل البطاقة

The original sentence sounds natural, but a bit more official because of يستبدل.

بكرا means tomorrow, and time words are often placed at the end in Arabic.

So:

• البنك رح يستبدل البطاقة ببطاقة مؤقتة بكرا

is perfectly natural.

But Arabic word order is flexible, so you could also hear:

• بكرا البنك رح يستبدل البطاقة ببطاقة مؤقتة

Putting بكرا first can give it a bit more emphasis, like tomorrow, the bank will replace...

A natural rough transliteration would be:

el-bank raH yistabdel el-biTā'a b-biTā'a mu'aqqate bukra

A few notes:

• البنك often sounds like el-bank or il-bank
• رح is usually pronounced raH
• البطاقة is often pronounced something like biTā'a
• بكرا is bukra

Exact pronunciation varies by country and speaker.

In writing, you may see different spellings for colloquial words, because spoken Arabic is not as standardized as Modern Standard Arabic.

For Levantine, بكرا is a very common spelling for tomorrow. You might also see other spellings in informal writing, but بكرا is very normal and widely understood.

Yes. Even though بنك is a borrowed word, Arabic treats it like a regular noun.

So you can add ال to it:

• البنك = the bank

And it works grammatically like other masculine singular nouns, which is why the verb is:

• البنك رح يستبدل

Close, but in this sentence replace is the best translation.

• يستبدل البطاقة ببطاقة مؤقتة = replace the card with a temporary card

In some contexts, يستبدل can feel like substitute or swap out, but here replace sounds most natural in English.