Ŝi retiris kontantan monon ĉe la bankejo.

Ŝi is the Esperanto third-person singular pronoun for she.

The letter ŝ is a separate Esperanto letter, pronounced like sh in English shoe. So:

• si would be a different word
• ŝi = she

Esperanto uses accented letters as full letters of the alphabet, not just spelling decoration.

In Esperanto, -is marks the past tense of a verb.

So:

• retiras = withdraws / is withdrawing
• retiris = withdrew
• retoros = will withdraw

The verb here is retiri, meaning to withdraw or to take out.
So ŝi retiris means she withdrew.

The dictionary form is retiri.

You can break it down like this:

• re- = back, again
• tiri = pull

So retiri literally suggests something like pull back or take back/out, which is why it can mean withdraw.

In this sentence, it means withdrawing money from a bank.

Because monon is the direct object, and direct objects in Esperanto usually take -n.

Since kontantan describes monon, it must agree with it. Adjectives in Esperanto match the noun in:

• number
• case

So:

• mono = money
• monon = money (as the direct object)
• kontanta mono = cash money
• kontantan monon = cash money (as the direct object)

That is why both words get endings:

• kontant-a-n
• mon-o-n

It means cash or more literally cash money.

• mono = money
• kontanta = cash, in cash, not electronic

So kontantan monon is money in physical form: bills and coins, not just money in an account.

In natural English, we would usually just say cash.

Ĉe often means at, by, or with, depending on context.

Here, ĉe la bankejo means at the bank.

It shows location:

• ĉe la bankejo = at the bank / at the bank branch

A useful way to think of ĉe is: in the vicinity of or at the place/person/business.

Examples:

• ĉe la kuracisto = at the doctor’s
• ĉe mia amiko = at my friend’s place
• ĉe la bankejo = at the bank

The suffix -ej- means place for or location associated with something.

So:

• banko = bank
• bankejo = bank building, bank office, bank branch, banking place

A learner may often expect banko, and that is understandable. Bankejo emphasizes the physical place where she went.

So the difference is roughly:

• banko = the bank as an institution
• bankejo = the bank as a place/building/branch

In everyday usage, many speakers might simply say ĉe la banko, but bankejo is clear and very Esperanto-like in formation.

It is understandable and correctly formed, but many speakers would more commonly say banko for bank in ordinary conversation.

So:

• ĉe la banko = very common
• ĉe la bankejo = emphasizes the physical premises

A learner should recognize bankejo easily because the word-building is regular, even if banko may be more common in many contexts.

Esperanto often leaves that idea unspoken, just as English sometimes does.

In English, we naturally say:

• She withdrew cash
• She withdrew some money

Esperanto can do the same without a separate word:

• Ŝi retiris kontantan monon.

The noun by itself is enough. If you wanted to be more explicit, you could say something like iom da mono in another kind of sentence, but here it is not necessary.

Yes. Esperanto word order is fairly flexible because the endings show the grammatical roles.

This sentence has a very normal order:

• Ŝi = subject
• retiris = verb
• kontantan monon = object
• ĉe la bankejo = place

But variations are possible, for example:

• Ĉe la bankejo ŝi retiris kontantan monon.

That puts more emphasis on the location: At the bank, she withdrew cash.

Even with changed order, the -n on monon still shows that it is the object.

Because ĉe la bankejo is a prepositional phrase, not a direct object.

The preposition ĉe already shows the role of the noun, so bankejo stays in its normal form:

• ĉe la bankejo = at the bank

By contrast, monon needs -n because it is the direct object of retiris.

So:

• monon = object, therefore -n
• ĉe la bankejo = after a preposition, so no -n here

By itself, the sentence most naturally suggests withdrawing cash at a bank branch or at the bank in a general sense.

It does not specifically mention an ATM. If you wanted to say that clearly, you would use a word for an ATM, such as a form like bankaŭtomato or another expression depending on usage.

So this sentence points to the bank as the place, not specifically the machine.