Ég á bankakort.

Icelandic distinguishes between kinds of “have”:

• að eiga (ég á…) = to own/possess something as yours. That’s what you want for a card you own.
• að hafa (ég hef…) = to have in a broad or formal sense; common in set phrases (e.g., hef áhuga “have interest”, hef tíma “have time”). It’s not the everyday choice for owning physical items.
• að vera með (ég er með…) = to have with you/at hand. Use this for “I have a bank card on me.”

So: Ég á bankakort = I own a bank card; Ég er með bankakort = I have a bank card with me right now.

The verb að eiga takes a direct object in the accusative. Bankakort is neuter; in the singular, nominative and accusative look the same, so you see bankakort either way. Other singular cases:

• Dative: bankakorti
• Genitive: bankakorts

Icelandic adds the definite article as a suffix:

• “the bank card” = bankakortið
• “my bank card” = bankakortið mitt There’s no separate word for the indefinite article “a/an,” so plain bankakort already means “a bank card.”

Neuter nouns like bankakort don’t change in the nominative/accusative plural:

• Plural (indefinite): bankakort
• Plural (definite): bankakortin Examples:
• Ég á tvö bankakort. (two)
• Ég á þrjú bankakort. (three)
• Ég á fjögur bankakort. (four) Note the neuter numerals: eitt bankakort, tvö, þrjú, fjögur.

Two common options:

• Ownership: Áttu bankakort? (colloquial contraction of Átt þú…?)
• Having it on you: Ertu með bankakort?

Approximate guidance:

• Ég: like “yeh” with a long vowel; the g is a soft fricative, not a hard g (IPA: [jɛːɣ]).
• á: like “ow” in “cow” (IPA: [au]).
• banka: the nk is like English “ngk” in “bank.”
• kort: trilled r; o is short (like British “o” in “off”); final t is crisp. Overall: [jɛːɣ au ˈpaŋkaˌkʰɔr̥t] is a careful IPA rendering; don’t worry about being perfect—aim for “Yeh-ow BANG-ka-kort.”

They’re separate letters with distinct sounds, not stress marks:

• é ≈ [jɛ] (a y-sound plus open e)
• á ≈ [au] (like “ow”) Stress in Icelandic normally falls on the first syllable of each word (and the first element of compounds), not where the accents are.

Bankakort is neuter. Adjectives and pronouns agree in gender/number/case:

• nýtt bankakort (a new bank card; neuter nominative/accusative singular)
• bankakortið mitt (my bank card; neuter definite + neuter possessive)

Verb að eiga (to own) is irregular:

• Present: ég á, þú átt, hann/hún/það á, við eigum, þið eigið, þeir/þær/þau eiga
• Past: ég átti, þú áttir, hann átti, við áttum, þið áttuð, þeir áttu
• Perfect: ég hef átt Examples:
• Ég átti bankakort. (I had a bank card.)
• Ég hef átt bankakort. (I’ve had a bank card.)

Yes:

• bankakort often refers to a bank-issued debit card in everyday speech.
• debetkort explicitly means debit card.
• kreditkort means credit card. You’ll also see the broad term greiðslukort (payment card). Context determines which is most natural.