Ako bankomat ne radi, ne mogu podići novac.

Ako means if. It introduces a condition:

• Ako bankomat ne radi = If the ATM isn’t working
• ne mogu podići novac = I can’t withdraw money

So the whole sentence has a very common if + result structure.

In Croatian, when a sentence begins with an ako clause, it is normally separated from the main clause with a comma:

• Ako bankomat ne radi, ne mogu podići novac.

This is similar to English writing:

• If the ATM doesn’t work, I can’t withdraw money.

If you reverse the order, you would usually write:

• Ne mogu podići novac ako bankomat ne radi.

Bankomat means ATM or cash machine.

It is a masculine noun. In this sentence it is the subject of radi:

• bankomat radi = the ATM works / is functioning
• bankomat ne radi = the ATM doesn’t work / isn’t functioning

Yes. Raditi literally means to work, and Croatian commonly uses it for machines that function properly.

So:

• Bankomat radi. = The ATM works / is working.
• Bankomat ne radi. = The ATM doesn’t work / isn’t working.

This is very natural Croatian.

In Croatian, the negative particle ne is usually written separately from the verb:

• ne radi = doesn’t work
• ne mogu = I can’t

This is the normal pattern with most verbs.

A learner should get used to seeing:

• ne znam = I don’t know
• ne vidim = I don’t see
• ne mogu = I can’t

This is a common modal verb structure:

• mogu = I can
• podići = to withdraw / to lift / to raise

So:

• mogu podići novac = I can withdraw money
• ne mogu podići novac = I can’t withdraw money

After mogu, Croatian uses the infinitive of the main verb, just as English uses can + base verb.

In Croatian, subject pronouns are often omitted because the verb ending already shows who the subject is.

• mogu = I can
• možeš = you can
• može = he/she/it can
• možemo = we can

So ja is not needed here. You could say ja ne mogu, but it is usually unnecessary unless you want emphasis.

Podići literally means to lift/raise, but in many contexts it also means to withdraw, especially with money.

Very common expressions are:

• podići novac = to withdraw money
• podići gotovinu = to withdraw cash

So this is a standard phrase when talking about ATMs or banks.

This is about aspect, which is very important in Croatian.

• dizati = imperfective
• podići = perfective

With mogu, both aspects are possible in some contexts, but podići novac is the normal, fixed expression for withdraw money as a complete action.

So here podići sounds the most natural.

Here novac is in the accusative, because it is the direct object of podići.

• podići što? → novac

For this noun, the accusative singular looks the same as the nominative singular:

• nominative: novac
• accusative: novac

So the form does not change, even though the grammatical role does.

Grammatically, something like that is possible, but it is not the most natural choice for this situation.

For ATM language, Croatian strongly prefers:

• podići novac
• podići gotovinu

Using uzeti novac would sound more like take money, which is broader and less idiomatic for bank withdrawal.

Yes. You can also say:

• Ne mogu podići novac ako bankomat ne radi.

The meaning is basically the same. Starting with the ako clause often puts more focus on the condition:

• Ako bankomat ne radi... = If the ATM isn’t working...

Starting with the main clause can sound slightly more direct:

• Ne mogu podići novac... = I can’t withdraw money...

It can be understood either way, depending on context.

It may mean:

• a general fact: If an ATM isn’t working, I can’t withdraw money
• a specific current situation: If this ATM isn’t working, I can’t withdraw money

Croatian often leaves that distinction to context, just as English sometimes does.

A rough pronunciation is:

• podići ≈ po-dee-chee, but with a softer ch sound

The letter ć is a soft consonant, softer than English ch in chair. English speakers often confuse ć and č, so it is worth listening to native audio if possible.

Also:

• ne mogu podići novac has natural stress and rhythm that becomes easier with repetition as a whole chunk.

Yes, if the context is already clear. For example, someone standing in front of an ATM might simply say:

• Ne radi. = It’s not working.
• Ne mogu podići novac. = I can’t withdraw money.

But in the full sentence, bankomat makes the condition explicit and clear.