Caj bank untuk pengeluaran wang tunai ini terlalu tinggi.

Malay word order here is broadly similar to English, but with a few important differences.

A word-for-word breakdown is:

• Caj bank = bank charge / bank fee
• untuk = for
• pengeluaran wang tunai = cash withdrawal
• ini = this
• terlalu tinggi = too high

So the structure is roughly:

[Noun phrase] + [description]

More literally:

Bank charge for this cash withdrawal is too high

A more natural English reordering gives the intended meaning.

One important difference from English is that ini comes after the noun phrase it refers to, not before it.

Caj means charge, fee, or service charge.

In this sentence, caj bank means the bank’s charge/fee.

This word is a borrowing from English charge, adapted to Malay spelling and pronunciation.

You may also see words like:

• yuran = fee
• bayaran = payment / charge
• caj = charge, often for banking, services, utilities, etc.

So caj is a very normal word in financial or service contexts.

In Malay, the main noun usually comes first, and the noun that describes it comes after.

So:

• caj bank = bank charge
• akaun bank = bank account
• kad kredit = credit card

The first noun is the core thing, and the second noun narrows or identifies it.

So caj bank means a charge related to the bank or a bank fee.

Untuk usually means for.

Here it links the fee to its purpose or situation:

• caj bank untuk pengeluaran wang tunai
  = bank charge for cash withdrawal

So it tells you what the charge applies to.

In other contexts, untuk can also mean:

• for
• to
• in order to

But in this sentence, for is the best interpretation.

Pengeluaran means withdrawal here.

It comes from the root keluar, which means to go out / come out / exit.

Malay often forms nouns from verbs by adding peN- and -an. So:

• keluar = to go out
• pengeluaran = the act/process of taking out, withdrawal, issuance, output depending on context

In banking, pengeluaran commonly means withdrawal, especially of money.

So:

• pengeluaran wang = withdrawal of money

This is a very useful pattern to recognize in Malay vocabulary.

Because pengeluaran by itself is not always specifically about money. It can mean different kinds of taking out, issuing, or output, depending on context.

Adding wang tunai makes it precise:

• pengeluaran = withdrawal / removal / issuance
• wang tunai = cash

So:

• pengeluaran wang tunai = cash withdrawal

In a clear banking context, people may sometimes shorten it, but the full phrase is very natural and explicit.

Wang tunai means cash.

Literally:

• wang = money
• tunai = cash / immediate payment in cash

Together, wang tunai is the standard phrase for cash.

Examples:

• Saya tiada wang tunai. = I don’t have cash.
• Bayar dengan wang tunai. = Pay in cash.

So in your sentence, it refers to withdrawing physical cash.

In Malay, demonstratives like ini (this) and itu (that) usually come after the noun they describe.

So:

• pengeluaran wang tunai ini = this cash withdrawal
• buku ini = this book
• bank itu = that bank

This is a very common pattern and often feels unusual to English speakers at first, because English puts this before the noun.

So Malay says:

• buku ini not
• ini buku
  unless the structure is different and you mean something like This is a book.

Malay often omits the verb to be when linking a subject to an adjective or noun phrase.

So:

• Caj bank ... terlalu tinggi
  literally = The bank charge ... too high

But in natural English, you translate it as:

• The bank charge ... is too high

This is completely normal in Malay.

You may sometimes see adalah or ialah, but they are not usually needed before adjectives like tinggi.

So this sentence sounds natural without any word for is.

Terlalu tinggi means too high, not just very high.

That difference is important:

• terlalu tinggi = too high, excessively high, higher than acceptable
• sangat tinggi = very high

So this sentence expresses a complaint or negative judgment: the fee is more than it should be.

Examples:

• Harga ini terlalu mahal. = This price is too expensive.
• Bangunan itu sangat tinggi. = That building is very tall.

So terlalu often implies excessiveness.

Yes, tinggi literally means high or tall, but like English high, it is also used metaphorically for prices, rates, fees, and costs.

So:

• harga tinggi = a high price
• faedah tinggi = high interest
• caj terlalu tinggi = the charge is too high

This works very much like English, so it is a useful metaphor to remember.

Sometimes yes, but the nuance can differ slightly.

• caj often sounds like a specific charge/fee applied to a transaction or service
• yuran often sounds more like a set fee, membership fee, tuition fee, or a formal scheduled fee

For a charge connected to a banking transaction, caj bank is very natural.

If you said yuran bank, it might still be understood, but caj bank fits this transaction-fee context better.

It is fairly neutral and suits everyday formal contexts such as banking, customer service, or written notices.

It does not sound slangy. It would work in:

• a complaint to a bank
• a statement about ATM charges
• a discussion of transaction fees

If you wanted a more conversational version, you might hear something slightly simpler in speech, but this sentence is perfectly natural and standard.

Grammatically, ini most naturally refers to pengeluaran wang tunai because it comes directly after that noun phrase:

• pengeluaran wang tunai ini = this cash withdrawal

So the meaning is:

• The bank charge for this cash withdrawal is too high

If you wanted this bank charge, you would place ini after caj bank:

• Caj bank ini ... = this bank charge ...

Position matters a lot here.

A very literal translation would be:

Bank charge for cash withdrawal this too high.

That sounds unnatural in English, but it helps show the Malay structure:

• no is
• this comes after the noun phrase
• the descriptive part comes directly after the subject

A natural English translation would then be:

The bank charge for this cash withdrawal is too high.