Saya semak akaun simpanan di aplikasi bank setiap pagi.

I check my savings account in the banking app every morning.

Breakdown of Saya semak akaun simpanan di aplikasi bank setiap pagi.

• saya: I
• di: in
• setiap: every
• pagi: the morning
• semak: to check
• aplikasi bank: the banking app
• akaun simpanan: the savings account

Questions & Answers about Saya semak akaun simpanan di aplikasi bank setiap pagi.

Why is it semak and not menyemak here? Is Saya semak akaun… correct?

Both are possible, but the nuance is different.

• menyemak is the standard, fully-formed verb (with the meN- prefix).
  • Saya menyemak akaun simpanan… – more formal/standard, suitable for writing, exams, official speech.
• semak without meN- is very common in everyday / neutral spoken Malay.
  • Saya semak akaun simpanan… – sounds more casual/natural in daily conversation, messages, etc.

So Saya semak akaun simpanan di aplikasi bank setiap pagi is perfectly natural in spoken Malay.
In a school essay or formal letter, you would usually prefer:

Saya menyemak akaun simpanan di aplikasi bank setiap pagi.

Could I use periksa instead of semak? What’s the difference?

Yes, you can.

• semak – to check, review, go through, verify (often for correctness, details, balance, etc.).
• periksa – to examine, inspect, test; used for:
  • medical check-ups (periksa doktor),
  • exams (periksa kertas peperiksaan),
  • inspecting something carefully.

In this sentence, both work:

• Saya semak akaun simpanan… – I check/review my savings account…
• Saya periksa akaun simpanan… – I examine/inspect my savings account…

semak sounds a bit more common for checking an account balance, but periksa is not wrong.

What does akaun simpanan literally mean, and why is the order “akaun simpanan” and not “simpanan akaun”?

Literally:

• akaun = account
• simpanan = savings

akaun simpanan = savings account.

In Malay, when two nouns are next to each other, the main thing usually comes first, and the noun after it describes or specifies it:

• akaun simpanan – an account (of the type: savings)
• akaun bank – a bank account
• kad kredit – a credit card

So akaun simpanan is “account (which is) savings”, just like English “savings account”.
Simpanan akaun would sound wrong here.

Where does “my” go? Should it be akaun simpanan saya?

Yes, to say my savings account, you add the possessive pronoun after the noun phrase:

• akaun simpanan saya = my savings account
• kereta saya = my car
• telefon bimbit saya = my mobile phone

So a more explicit sentence is:

Saya semak akaun simpanan saya di aplikasi bank setiap pagi.

In real life, Malays often drop “saya” after the noun if it’s obvious whose account it is, especially in casual speech. That’s why you might just see akaun simpanan without saya.

Why is it di aplikasi bank and not dalam aplikasi bank or pada aplikasi bank?

All three prepositions exist, but they’re used slightly differently.

• di – at / in / on (location, place; very common and flexible)
  • di rumah, di sekolah, di telefon, di aplikasi bank
• dalam – in / inside (emphasises being inside something)
  • dalam kotak = inside the box
  • dalam akaun itu = inside that account (inside its contents, data)
• pada – at / on (more abstract: time, people, some formal uses)
  • pada hari Isnin = on Monday
  • pada saya = in my opinion

For “on the banking app”, di aplikasi bank is the most natural everyday choice.
You could say dalam aplikasi bank, but it sounds more like “inside the app” and is less common.

Could I say melalui aplikasi bank instead? What would that mean?

Yes:

• melalui = through / via

So:

• Saya semak akaun simpanan melalui aplikasi bank setiap pagi.

This means I check my savings account via/through the banking app.
The focus shifts slightly:

• di aplikasi bank – emphasises the place/tool where you do it (on the app).
• melalui aplikasi bank – emphasises the method/channel you use (through the app, as opposed to at an ATM, at the branch, etc.).

Both are correct; the difference is subtle.

Can setiap pagi go at the front: Setiap pagi saya semak…? Does the meaning change?

Yes, you can put setiap pagi at the beginning:

• Saya semak akaun simpanan di aplikasi bank setiap pagi.
• Setiap pagi, saya semak akaun simpanan di aplikasi bank.

The meaning is the same: “every morning”.

Putting setiap pagi at the front just adds a bit of emphasis on the time (“Every morning, I …”) and sounds very natural. Both word orders are correct.

What’s the difference between setiap pagi, tiap pagi, and tiap-tiap pagi?

All can mean every morning, but there are small stylistic differences:

• setiap pagi – neutral and common, good in both spoken and written Malay.
• tiap pagi – slightly more casual/shortened; common in speech.
• tiap-tiap pagi – adds emphasis, like “every single morning”.

Examples:

• Saya semak akaun simpanan setiap pagi. – I check it every morning.
• Saya semak akaun simpanan tiap pagi. – same meaning, slightly more casual.
• Saya semak akaun simpanan tiap-tiap pagi. – I check it every single morning (stronger emphasis on every).

Can Malaysians just say check in English here, like “Saya check akaun simpanan…”?

Yes, in informal Malaysian speech, many people mix English and Malay:

• Saya check akaun simpanan saya setiap pagi.
• Saya check balance dalam app bank setiap pagi.

This is very common in casual conversation, texting, and social media.

However:

• For formal writing (essays, official documents, exams), you should use the Malay verb:
  • semak or menyemak
  • periksa (depending on context)

Why does this sentence use saya and not aku? What’s the difference?

Both mean I / me, but they differ in politeness and context:

• saya
  • polite, neutral, standard
  • used in formal situations, with strangers, with older people, in writing
• aku
  • informal/intimate
  • used with close friends, siblings, sometimes between couples

The sentence:

Saya semak akaun simpanan di aplikasi bank setiap pagi.

uses saya, so it sounds neutral and polite, suitable in most contexts.
With a close friend, you might hear:

Aku semak akaun simpanan kat app bank tiap pagi.

Is aplikasi bank the only way to say “banking app”? Are there other common phrases?

There are several natural options:

• aplikasi bank – bank app (very common and straightforward)
• aplikasi perbankan – banking application (slightly more formal)
• aplikasi mudah alih bank – the bank’s mobile application (more formal/technical)
• In casual speech, people often just say app bank.

So you might hear:

• Saya semak akaun simpanan di aplikasi bank setiap pagi.
• Saya semak akaun simpanan melalui aplikasi perbankan setiap pagi.
• Saya semak akaun simpanan kat app bank tiap pagi. (very casual)