Saya mengeluarkan wang tunai di bawah had pengeluaran.

Here, mengeluarkan means to take out or to withdraw.

It comes from the root keluar, which means to go out / to exit. When Malay adds meN- ... -kan, the verb often becomes transitive, meaning it takes an object.

• keluar = go out
• mengeluarkan = take something out, bring something out, withdraw something

So:

• Saya keluar = I go out
• Saya mengeluarkan wang tunai = I withdraw cash / I take out cash

Wang means money in general, while wang tunai specifically means cash.

So:

• wang = money
• wang tunai = cash

This matters because withdrawing from an ATM usually gives you cash, not just money in an abstract sense. In everyday speech, people may also say duit for money, but wang tunai is more standard and precise here.

Tunai means cash or paid in cash, depending on the context.

In wang tunai, it works like a descriptor for wang:

• wang tunai = cash money = cash

You may also see:

• bayar tunai = pay in cash
• pembayaran tunai = cash payment

So in this sentence, tunai tells you the money is in physical cash form.

Di bawah literally means under or below.

In this sentence, it is being used figuratively, not physically. It means below in the sense of less than or under a limit.

So:

• di bawah had pengeluaran = below the withdrawal limit

This is similar to English expressions like under the limit or below the maximum allowed amount.

Because this di is a preposition, not a verb prefix.

In Malay:

• di as a preposition = at / in / on / under, and it is written separately
• di- as a passive verb prefix is written attached to the verb

So:

• di bawah = under / below → separate
• ditulis = written → attached

In your sentence, di bawah is a prepositional phrase, so di must be separate.

Had pengeluaran means withdrawal limit.

Breakdown:

• had = limit
• pengeluaran = withdrawal / the act of taking out

So together:

• had pengeluaran = withdrawal limit

This is common in banking contexts. You might also hear:

• had pengeluaran harian = daily withdrawal limit

Pengeluaran is a noun formed from the same root keluar.

Very roughly:

• keluar = go out
• mengeluarkan = take out / withdraw
• pengeluaran = withdrawal / output / expenditure, depending on context

The pattern peN- ... -an often makes a noun related to the action or result of a verb.

In this banking sentence, pengeluaran means withdrawal.

Yes. The basic order is very normal for Malay:

• Saya = subject
• mengeluarkan = verb
• wang tunai = object
• di bawah had pengeluaran = prepositional phrase

So the structure is:

Subject + Verb + Object + Additional information

That is a very common Malay sentence pattern.

In practice, it describes the amount involved in the withdrawal: the withdrawal is below the withdrawal limit.

Malay often allows this kind of phrase to come at the end without making the relationship overly explicit. In English, you might naturally say:

• I withdrew cash under the withdrawal limit
• The amount of cash I withdrew was below the withdrawal limit

So the meaning is understood from context, especially in a banking situation.

Not always in casual conversation, if the subject is already clear from context. But in a full, clear sentence, saya is perfectly normal.

• Saya mengeluarkan wang tunai... = clear and complete
• Mengeluarkan wang tunai... = possible in some contexts, but less explicit

For learners, it is usually safer to include saya until you are comfortable with when Malay naturally drops subjects.

It is understandable, but depending on the exact meaning you want, a Malay speaker might choose a more explicit version.

For example:

• Saya mengeluarkan wang tunai yang jumlahnya di bawah had pengeluaran.
• Jumlah wang tunai yang saya keluarkan berada di bawah had pengeluaran.

These make it clearer that the amount withdrawn is below the limit.

Still, the original sentence is not wrong if the context already makes that meaning obvious.

Yes. Di bawah can be both:

• literal: under / below something physically
• figurative: below a level, amount, rank, age, limit, etc.

Examples:

• Buku itu di bawah meja. = The book is under the table.
• Umurnya di bawah 18 tahun. = He/She is under 18 years old.
• di bawah had pengeluaran = below the withdrawal limit

So you have to use context to decide which meaning is intended.