Money & Exchange

1. Di mana tempat tukar uang?

   Where is the currency exchange?

   Usage

   Used when looking for a place to exchange foreign currency

   Grammar Note

   "Tukar uang" = currency exchange. Street money changers (known as "money changer") often offer better rates than banks. Currency: Rupiah (IDR)

2. Di mana ATM terdekat?

   Where is the nearest ATM?

   Usage

   Used to find the closest ATM for cash withdrawal

   Grammar Note

   "Ter-" creates superlatives: "dekat" (near) → "terdekat" (nearest). International ATMs are widely available in Indonesia

3. Bisa bayar pakai kartu kredit?

   Can I pay by credit card?

   Usage

   Used to ask if credit card payment is accepted

   Grammar Note

   "Bisa" is the modal for ability/permission. "Pakai" (use) connects the verb to the payment method. Debit card: "kartu debit"; e-wallets: "dompet digital" (GoPay, OVO)

4. Berapa kurs hari ini?

   What is today's exchange rate?

   Usage

   Used to check the exchange rate before converting currency

   Grammar Note

   "Kurs" (exchange rate) is from Dutch. "Hari ini" (today) = "hari" (day) + "ini" (this). Distinguish "kurs beli" (buying rate) vs "kurs jual" (selling rate)

5. Ada biaya tambahan?

   Is there an additional fee?

   Usage

   Used to check for surcharges or extra fees

   Grammar Note

   "Tambahan" is the noun form of "tambah" (add/increase). In Indonesia, "pajak dan servis" (tax and service) of 10–21% is often added. Always check the bill

6. Tolong beri kembalian

   Please give me change

   Usage

   Used to ask for change when it hasn't been given

   Grammar Note

   "Kembalian" = noun form of "kembali" (return/go back). In Indonesia, change is sometimes given as candy or gum due to coin shortages. Keep small change handy

7. Apakah bisa ditawar?

   Can the price be negotiated?

   Usage

   Used in markets or street stalls to initiate price bargaining

   Grammar Note

   "Di-" creates passive voice: "tawar" (to bargain) → "ditawar" (to be bargained). In traditional markets (pasar), bargaining is expected; aim for 30–50% off the asking price

8. Harganya mahal sekali

   The price is very expensive

   Usage

   Used during bargaining to say the price is too high

   Grammar Note

   "Sekali" is an intensifier meaning "very". Opposite is "murah" (cheap). In bargaining, follow up with "Kurangi sedikit" (reduce it a little)

9. Saya mau transfer uang

   I want to transfer money

   Usage

   Used when requesting a money transfer at a bank or remittance service

   Grammar Note

   "Mau" is a modal expressing desire or intention. In Indonesia, digital wallets like GoPay, OVO, and Dana are widely used; QR code transfers are common

10. Tolong cetak struk-nya

    Please print the receipt

    Usage

    Used at ATMs or checkouts to request a printed receipt

    Grammar Note

    "Struk" is colloquial for receipt (from Dutch "strook," a strip of paper).Formal terms: "kwitansi" or "tanda terima". "-nya" is a suffix indicating a specific item

11. Uang jaminan

    Deposit

    Usage

    A deposit held by a hotel or rental, returned at checkout

12. Pengembalian dana

    Refund

    Usage

    Word for getting money returned

13. Uang muka

    Prepayment

    Usage

    Word for money paid in advance

14. Biaya tambahan

    Extra charge

    Usage

    Word for a charge added on afterward

15. Biaya layanan

    Service fee

    Usage

    Word for a fee charged for a procedure or service

16. Uang tunai

    Cash

    Usage

    Point to this to say you want to pay in cash

17. Kartu

    Card

    Usage

    For paying by card; credit is "kartu kredit" and debit is "kartu debit"

18. Bayar masing-masing

    Pay separately

    Usage

    Point to this to have everyone pay for their own

19. Bayar jadi satu

    One bill for everyone

    Usage

    Point to this to put everyone on a single bill

20. Terlalu mahal

    Too expensive

    Usage

    Point to this to say the price is too high and open a negotiation

21. Kembalian

    Change

    Usage

    Point to this when you have not been given your change; it is a noun, distinct from "kembali" (to return)

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