Saya bayar sepuluh ringgit dan juruwang memulangkan baki sepuluh sen kepada saya.

Both are possible in everyday Malay, but they feel a little different.

• bayar = a shorter, more conversational form, very common in speech and informal writing
• membayar = the fuller verb form, often felt to be more formal or careful

So Saya bayar sepuluh ringgit is a very natural everyday sentence meaning I paid / I pay ten ringgit depending on context.

If you wanted a more formal version, you could say:

• Saya membayar sepuluh ringgit...

Both are grammatical.

Malay verbs do not change form for tense the way English verbs do. The verb bayar can mean pay, am paying, or paid depending on context.

In this sentence, the meaning is understood as past because of the situation being described:

• I paid ten ringgit
• the cashier returned ten sen change

That sequence strongly suggests a completed action.

If you wanted to make the past clearer, you could add a time marker such as:

• tadi = just now / earlier
• semalam = yesterday
• sudah = already

For example:

• Saya sudah bayar sepuluh ringgit...

Juruwang means cashier.

It is a standard Malay noun:

• juru- often appears in words for a person with a role or function
• wang means money

So juruwang is literally someone handling money, which fits cashier.

Yes, dan means and. It links two parts of the sentence:

• Saya bayar sepuluh ringgit
• juruwang memulangkan baki sepuluh sen kepada saya

So it works very much like English and.

In natural Malay, this sentence could also be split into two sentences instead of using dan, especially in speech.

Memulangkan means to return something or to give something back.

It comes from the root pulang, which often relates to returning or going back. With the affixes meN- and -kan, the meaning becomes something like cause something to return / return something.

So:

• juruwang memulangkan baki... = the cashier returned the change...

This is a very common pattern in Malay: a root word becomes a fuller verb through prefixes and suffixes.

Baki means balance, remainder, or change, depending on context.

In a shopping/payment context, baki usually means change.

So:

• baki sepuluh sen = ten sen in change

You might also hear:

• duit baki = change (money returned after payment)

In Malay, the head noun usually comes before the descriptive information.

So:

• baki sepuluh sen literally = change of ten sen naturally = ten sen change

The noun baki comes first, and sepuluh sen tells you how much the change is.

This word order is normal in Malay.

They are units of Malaysian currency.

• ringgit = the main unit
• sen = one hundredth of a ringgit

So:

• 1 ringgit = 100 sen

In the sentence:

• sepuluh ringgit = ten ringgit
• sepuluh sen = ten sen

Kepada means to when the receiver is a person.

So:

• kepada saya = to me

In juruwang memulangkan baki sepuluh sen kepada saya, the cashier is returning the change to me, so kepada marks the recipient clearly.

Malay often uses kepada with people, especially in more careful or standard phrasing.

That is much less natural in standard Malay.

The clearer and more standard form is:

• juruwang memulangkan baki sepuluh sen kepada saya

Malay often prefers:

• verb
• thing being given/returned
• recipient with kepada

So the returned object (baki sepuluh sen) comes before kepada saya.

It is used twice because the first saya is the subject of the first clause, and the second saya is the recipient in the second clause.

• Saya = I
• kepada saya = to me

You can omit the second saya only if the context is already completely clear and you are speaking casually, but in a full sentence it is better to keep it.

So the original sentence is clearer and more complete.

By itself, Saya bayar could mean several things depending on context:

• I pay
• I am paying
• I paid

Malay does not force you to mark tense on the verb. Context does the work.

In this sentence, because the cashier then returns the change, English naturally translates it as I paid.

Yes, depending on the style.

Possible alternatives include:

• keeping dan for a direct and
• splitting into two sentences:
  • Saya bayar sepuluh ringgit. Juruwang memulangkan baki sepuluh sen kepada saya.
• using a sequencing word in some contexts, such as kemudian = then

But for a straightforward sentence, dan is perfectly fine.

It is understandable and basically natural, but a native speaker might also say it in a slightly simpler or more colloquial way.

For example:

• Saya bayar sepuluh ringgit dan juruwang pulangkan baki sepuluh sen kepada saya.
• Saya bayar RM10, dan juruwang bagi balik baki 10 sen.
  This is more conversational.

A more formal version could be:

• Saya membayar sepuluh ringgit dan juruwang memulangkan baki sepuluh sen kepada saya.

So the sentence you have is good, but there are several natural variants depending on formality.

Yes, that is close to the literal sense.

• memulangkan = return
• baki = remainder / balance / change

So literally, it is something like returned the remainder/balance.

But in a shopping context, natural English says:

• returned ten sen in change
• gave me ten sen change

That is why the meaning in English may sound less literal than the Malay structure.