عندي مال في هذا الحساب.

In Arabic, possession is very often expressed without a verb like English have.

• عند literally means something like at or with
• عندي = at me / with me
• So عندي مال literally means There is money with me or I have money

This is a very common Arabic pattern:

• عندي كتاب = I have a book
• عندها سيارة = She has a car
• عندهم وقت = They have time

So the sentence is built around a possession expression, not a separate verb.

عندي is made of two parts:

• عند = at / with
• ـي = the suffix pronoun my / me

So:

• عندي = with me / I have
• عندك = with you
• عنده = with him
• عندنا = with us

This suffix is attached directly to عند.

Arabic often leaves out the equivalent of there is / there are in the present tense.

So instead of saying something like:

• There is money with me in this account

Arabic can simply say:

• عندي مال في هذا الحساب

This is normal and natural in Modern Standard Arabic. In present-time statements, Arabic often does not need an explicit verb like is, are, or there is.

مال is a standard MSA word meaning money, wealth, or property/assets, depending on context.

In this sentence, it means money.

A learner might also know words like:

• نقود = cash / money
• أموال = funds / sums of money / wealth (plural)
• فلوس = common in spoken Arabic, less formal and more colloquial

So مال is a normal, acceptable MSA choice here, especially in a formal or neutral context.

في هذا الحساب literally means in this account.

Breakdown:

• في = in
• هذا = this
• الحساب = the account

So:

• في هذا الحساب = in this account

This phrase tells you where the money is.

In Arabic, demonstratives like هذا usually come before the noun:

• هذا الحساب = this account
• هذا الكتاب = this book
• هذا البيت = this house

That is different from some structures in other languages, but it is the normal order in Arabic.

In standard Arabic, when هذا modifies a noun, that noun is usually definite, so it normally takes الـ.

So the normal pattern is:

• هذا الكتاب = this book
• هذا الرجل = this man
• هذا الحساب = this account

Using هذا حساب would generally not be the normal standard way to say this account.

This order is natural because Arabic often starts with the possession phrase and then gives the thing possessed:

• عندي = I have
• مال = money
• في هذا الحساب = in this account

So the sentence first states the possession, then the item, then the location.

Arabic word order is flexible, so other orders may be possible for emphasis, but this version is straightforward and neutral.

Yes. لدي can also mean I have, and in formal Modern Standard Arabic it is very common.

• لدي مال في هذا الحساب
• عندي مال في هذا الحساب

Both are correct.

A rough comparison:

• لدي often sounds a bit more formal or written
• عندي is also standard and very common

In many contexts, the difference is small.

It is definite because it is part of the phrase هذا الحساب = this account.

Demonstratives like this already point to a specific thing, so the noun is definite:

• this book
• this account
• this house

In Arabic, that definiteness is shown with الـ on the noun:

• هذا الحساب

In full formal MSA with case endings, the sentence could be read approximately as:

• عندي مالٌ في هذا الحسابِ

Possible endings:

• مالٌ because it is an indefinite noun in this kind of structure
• الحسابِ because it comes after the preposition في

However, in most everyday pronunciation of MSA, especially outside very careful reading, these endings are often not pronounced.

So as a learner:

• It is good to understand the grammar
• But you will often hear the sentence simply as عندي مال في هذا الحساب

Yes, the ل is pronounced here.

That is because ح is a moon letter, not a sun letter.

So:

• الحساب is pronounced al-ḥisāb
• not aḥ-ḥisāb

Examples:

• البيت → al-bayt
• الحساب → al-ḥisāb

But with a sun letter, the ل would assimilate:

• الشمس → ash-shams

Yes, مال can sometimes mean wealth, property, or assets, not only money in the narrow sense.

The exact meaning depends on context.

In a sentence about an account, English will usually understand it as money or funds:

• I have money in this account
• possibly I have funds in this account

So the account context makes the meaning more specific.

It is a nominal sentence, not a verbal one.

It does not begin with a verb. Instead, it begins with the phrase عندي.

Arabic often uses nominal sentences for present-time statements, including possession:

• عندي أخ = I have a brother
• عندنا مشكلة = We have a problem

So even though English uses have, Arabic here is not using a verb in the same way.