A bankautomatánál történt készpénzfelvétel jogosulatlan, ugye?

Bankautomatánál means at the ATM / by the ATM.

The base word is bankautomata = ATM.
The ending -nál / -nél means at, by, near.

So:

• bankautomata = ATM
• bankautomatánál = at the ATM

A small spelling point: the final a in bankautomata becomes á before the suffix:

• bankautomata → bankautomatánál

This is a normal pattern in Hungarian.

In this sentence, -nál focuses on the location of the event, not on the idea of money physically coming out of the machine.

Történt is the past tense of történik, which means to happen or to occur.

Here it works like a shortened relative-clause structure:

• a bankautomatánál történt készpénzfelvétel
• literally: the cash withdrawal that happened at the ATM

Hungarian often uses this kind of structure, especially in formal or written language. Instead of saying a full clause like a készpénzfelvétel, amely a bankautomatánál történt, Hungarian can compress it into:

• a bankautomatánál történt készpénzfelvétel

So történt is modifying készpénzfelvétel.

Yes. Hungarian very often forms compounds as a single word.

Here:

• készpénz = cash
• felvétel = withdrawal, taking out

Together:

• készpénzfelvétel = cash withdrawal

This is very normal in Hungarian. English often writes similar ideas as multiple words, but Hungarian prefers compounds much more strongly.

Because in Hungarian, the verb to be is usually omitted in the present tense, third person.

So:

• A ... készpénzfelvétel jogosulatlan.
• literally: The cash withdrawal unauthorized.
• natural English: The cash withdrawal is unauthorized.

This omission is completely standard.

Compare:

• A felvétel jogosulatlan. = The withdrawal is unauthorized.
• A felvétel jogosulatlan volt. = The withdrawal was unauthorized.

In the past tense, you do need the verb: volt = was.

Jogosulatlan means unauthorized, not entitled, or without proper authorization/right.

It is a fairly formal word, and it is very common in legal, banking, and administrative contexts.

It is related to:

• jogosult = entitled, authorized
• jogosulatlan = unauthorized, not entitled

So in this sentence, it means the cash withdrawal was not properly authorized.

Ugye is a very common Hungarian particle used to ask for confirmation.

In this sentence, it works like:

• right?
• isn’t it?
• correct?

So:

• A bankautomatánál történt készpénzfelvétel jogosulatlan, ugye?
• The cash withdrawal at the ATM was unauthorized, right?

Important: ugye is not tied to one exact English tag. Depending on tone and context, it can sound softer, more neutral, or more leading.

Hungarian has two forms of the:

• a
• az

Which one you use depends on the sound that follows:

• a before a consonant sound
• az before a vowel sound

Here the next word is bankautomatánál, which starts with b, a consonant, so the correct article is:

• A bankautomatánál...

If the next word began with a vowel, you would use az.

The subject is the whole noun phrase:

• A bankautomatánál történt készpénzfelvétel
• the cash withdrawal that occurred at the ATM

Then comes the predicate adjective:

• jogosulatlan
• unauthorized

So the structure is:

• [subject] + [predicate adjective]

This is a very natural Hungarian structure, especially in formal language.

The order inside the subject also makes sense:

• bankautomatánál = location
• történt = occurred
• készpénzfelvétel = cash withdrawal

So first Hungarian gives the location of the event, then the event-word itself.

Yes, in everyday speech many speakers do say ATM. But bankautomata is the full native Hungarian word and sounds especially appropriate in formal, official, or written contexts.

So both can occur, but this sentence sounds like something from banking or customer-service language, where bankautomata is very natural.

Because the sentence is focusing on the event happening at that location.

• bankautomatánál = at the ATM
• bankautomatából = out of the ATM / from inside the ATM

English often says cash withdrawal from an ATM, but Hungarian does not have to match that structure exactly. Here Hungarian chooses the location-based wording:

• the withdrawal that happened at the ATM

That is very natural.

If you changed the case ending, the meaning would shift slightly:

• bankautomatánál = at the ATM, by the ATM
• bankautomatából = from inside the ATM

The version in the sentence is about the transaction event, not the physical source of the cash.

Yes, it sounds fairly formal and official.

Several things contribute to that:

• bankautomata instead of a more casual phrasing
• történt in a compressed modifier structure
• készpénzfelvétel as a formal compound
• jogosulatlan as legal/banking vocabulary

This sounds like something a bank employee, a fraud department, or a written notice might say.

In casual speech, people might use simpler wording, but this sentence is perfectly natural in a formal context.