Za mu jira sai dai idan bankin ya maido da kuɗin.

It breaks down like this:

• za = future marker
• mu = we
• jira = wait

So za mu jira means we will wait.

A very common Hausa pattern is:

za + subject pronoun + verb

For example:

• za mu tafi = we will go
• za su zo = they will come

In this sentence, sai dai idan works as a set expression meaning unless.

A useful way to think of it is:

• idan = if
• sai dai idan = unless / except if

So:

Za mu jira sai dai idan...
= We will wait unless...

It is best to learn sai dai idan as a chunk, because sai, dai, and idan can each have other uses in other contexts.

Because in Hausa, the verb normally includes a subject marker, even when the subject noun is stated explicitly.

So:

• bankin = the bank
• ya = a 3rd person masculine subject marker
• maido = return / bring back

That means bankin ya maido is normal Hausa structure.
Very literally, it is something like the bank it returned..., but in natural English we just say the bank returned...

So the ya is not extra or optional here; it is part of the normal verbal pattern.

Because banki is treated as a grammatically masculine noun in Hausa, so it takes ya.

In Hausa, nouns have grammatical gender, and that affects agreement. This is grammatical, not biological, so even inanimate things like banki can be masculine.

So:

• masculine agreement: ya
• feminine agreement: ta

Here the noun is bankin, so the sentence uses ya maido.

The ending -n here marks definiteness, so these mean:

• banki = bank
• bankin = the bank
• kuɗi = money
• kuɗin = the money

So in this sentence:

• bankin = the bank
• kuɗin = the money

This is why the sentence refers to a specific bank and specific money, not just any bank or any money.

maido da means return, give back, or in this context refund.

So:

• maido = bring back / return
• maido da kuɗin = return the money / refund the money

The da is part of the normal construction with this verb when you say what is being returned. So learners should usually memorize it as:

maido da abu = return something

In a banking context, translating it as refund the money is often the most natural English choice.

Because Hausa does not always match English tense patterns directly in conditional clauses.

After idan (if), Hausa often uses a form like ya maido, even when the meaning is future in English:

• idan bankin ya maido da kuɗin
  = if the bank returns/refunds the money

So even though ya maido may look like a completed action, here it does not necessarily mean past time. In this sentence, it refers to a possible future event.

This is similar to how English says:

• if the bank refunds the money

not usually

• if the bank will refund the money

Both are possible, but refund the money is more natural in this context because the subject is the bank.

So:

• return the money = more literal
• refund the money = more idiomatic here

If you are talking about a bank reversing a charge or paying money back to someone, refund is probably the best English choice.

The word kuɗin is roughly pronounced like koo-din, but the ɗ is not exactly the same as ordinary English d.

The letter ɗ in Hausa represents an implosive sound. If you are a beginner, the safest approximation is just to say a firm d sound. Native speakers will usually still understand you.

So for learning purposes:

• kuɗi ≈ koo-di
• kuɗin ≈ koo-din

Later, you can work on making ɗ sound more authentically Hausa.