Bankin ya maido da kuɗin.

A helpful breakdown is:

• Bankin = the bank / that specific bank
• ya = it/he (third-person singular masculine) in the completive/perfective form
• maido da = return, bring back, refund
• kuɗin = the money

So the structure is roughly:

• Bankin ya maido da kuɗin
• The bank it returned the money

Natural English is simply The bank refunded the money or The bank returned the money.

Because Hausa normally uses a subject marker even when the subject noun is stated explicitly.

So in Bankin ya maido..., the noun Bankin names the subject, and ya agrees with it and marks the clause as completive/perfective.

To an English speaker, it can feel a bit like:

• The bank, it returned the money

But in Hausa this is just normal grammar, not unusual emphasis.

It is better described as the completive/perfective form rather than a simple tense label.

In many contexts, English translates it as a past:

• The bank refunded the money

But depending on context, it can also match English has refunded:

• The bank has refunded the money

So ya does not mean only one English tense; it marks the action as completed.

That -n is part of a Hausa noun form often associated with a specific/identified noun. In simple sentences like this, it often corresponds to English the.

So:

• banki = bank
• bankin = the bank / that bank

and:

• kuɗi = money
• kuɗin = the money

It is not a separate word meaning the, and it is not possessive here. It is just how the noun appears in this kind of specific use.

Because maido normally takes its object with da in this pattern:

• maido da abu = return something
• maido da kuɗi = return/refund money

So here da is part of the normal verb pattern maido da.

It is not the conjunction and in this sentence.

Because banki is treated as a masculine noun in Hausa.

Hausa has grammatical gender, and verbs/subject markers agree with that gender. So a masculine singular subject takes ya in this form.

That means:

• banki → masculine
• therefore ya

This is grammatical gender, not biological sex. Even inanimate things can be masculine or feminine in Hausa.

No. More generally, maido da means bring back, return, or restore.

For example:

• maido da littafi = return the book
• maido da kuɗi = return/refund money

In a banking context, English usually prefers refund, so that is the most natural translation here.

The special letter ɗ is different from ordinary d in Hausa. It represents an implosive d sound.

A practical learner-friendly approximation is:

• kuɗin ≈ KOO-din

If you want to be more accurate, make the ɗ sound a bit stronger and more distinct than an English d.

Also:

• kuɗi = money
• kuɗin = the money

So the ending -n is pronounced too.

Yes, but it would usually sound less specific.

Compare:

• Bankin ya maido da kuɗin = the bank returned the money (a particular bank, a particular sum of money)
• Banki ya maido da kuɗi = more general, something like a bank returned money or the bank returned money, depending on context

So the version with -n sounds more definite and context-linked.