Bank menghantar kad gantian esok.

Malay usually does not mark tense the way English does. The future meaning here comes from esok (tomorrow), which makes the time clear.

So:

• Bank menghantar kad gantian esok. = the action happens in the future because of esok
• You do not need a separate word for will

If you wanted, you could add a future marker like akan:

• Bank akan menghantar kad gantian esok.

But in everyday Malay, this is often unnecessary when the time is already obvious.

Menghantar means to send or to deliver.

It is built from the root hantar (send/deliver) plus the active verb prefix meN-, which appears here as meng-:

• hantar = send
• menghantar = to send / sends / is sending

This prefix commonly marks an active verb where the subject is doing the action.

So in this sentence:

• Bank = the subject
• menghantar = is sending / will send
• kad gantian = replacement card

This follows a very common Malay word order:

Subject + Verb + Object + Time

So here:

• Bank = subject
• menghantar = verb
• kad gantian = object
• esok = time expression

This is very natural in Malay. English also often allows a similar order:

• The bank will send the replacement card tomorrow.

Yes. Time expressions in Malay are fairly flexible.

You can say:

• Bank menghantar kad gantian esok.
• Esok, bank menghantar kad gantian.

Both are grammatical. Putting esok first gives it a little more emphasis, like Tomorrow, the bank is sending the replacement card.

But the original sentence is completely natural.

Malay does not have articles like English the or a/an.

So:

• bank can mean the bank or a bank
• kad gantian can mean the replacement card or a replacement card

The exact meaning depends on context.

If the listener already knows which bank or which card is meant, English often uses the, but Malay usually just leaves that unstated unless extra clarity is needed.

By itself, bank does not tell you whether it is a bank or the bank. Malay nouns usually do not mark definiteness.

In real context, this sentence would most likely mean the bank, because both speaker and listener usually know which bank is being talked about.

So Malay relies more on context than English does for this.

Kad means card.

Gantian means replacement or substitute.

So kad gantian means replacement card.

In Malay, modifiers often come after the noun, unlike in English. That is why:

• kad gantian = literally card replacement
• natural English = replacement card

This noun + modifier pattern is very common in Malay.

Because Malay usually puts descriptive words or modifiers after the noun.

Compare:

• kad gantian = replacement card
• rumah besar = big house
• kereta baru = new car

English often puts the modifier first, but Malay commonly puts it after the noun.

So kad gantian is the normal Malay pattern.

Sometimes hantar is used in casual speech, especially in conversation or commands, but in a full standard sentence like this, menghantar is the more grammatical and natural choice.

Compare:

• Bank menghantar kad gantian esok. = standard declarative sentence
• Saya hantar esok. = casual spoken Malay, common in conversation

So learners should recognize that everyday speech may drop prefixes, but menghantar is the safer standard form.

It is most naturally understood as singular: the bank.

Malay nouns usually do not change form for singular vs. plural. Number is often understood from context.

If you really needed to show plurality, Malay could use other clues, but here bank is simply interpreted from the situation.

It is not stated in this sentence.

Bank menghantar kad gantian esok only says that the bank will send the replacement card tomorrow. It does not explicitly say to whom.

If you wanted to include the recipient, you could say something like:

• Bank menghantar kad gantian kepada saya esok. = The bank will send the replacement card to me tomorrow.
• Bank menghantar kad gantian kepada anda esok. = The bank will send the replacement card to you tomorrow.

Malay often leaves out information that is already understood from context.

Adding akan makes the future meaning more explicit, but in this sentence it is not necessary because esok already shows that the action is in the future.

Compare:

• Bank menghantar kad gantian esok.
• Bank akan menghantar kad gantian esok.

Both mean essentially the same thing here. The version with akan may sound slightly more explicitly future-focused, but the original sentence is perfectly normal.