Money & Exchange

1. Pundi ATM ingkang celak?

   Pun-di ATM ing-kang ce-lak?

   Where is the nearest ATM?

   Usage

   Krama phrase for finding the nearest ATM to withdraw cash

   Grammar Note

   Major Indonesian bank ATMs: BCA, BRI (Bank Rakyat Indonesia), Mandiri, BNI. Tourist areas in Java have foreign-card-compatible ATMs, but rural areas may have limited access.

2. Pinten reginipun?

   Pi-nten re-gi-ni-pun?

   How much does it cost?

   Usage

   Basic Krama phrase for asking the price, usable at markets, stores, and street stalls

   Grammar Note

   "Pinten" (Krama) = Ngoko "pira" — the question word for amounts/numbers. "Regi" (price, Krama) = Ngoko "rega". Indonesian "Berapa harganya?" is also universally understood.

3. Saged nyuwun diskon?

   Sa-ged nyu-wun dis-kon?

   Can I ask for a discount?

   Usage

   Krama opener for price negotiation at markets or shops. Bargaining is common and expected at Javanese traditional markets.

   Grammar Note

   "Nyuwun" (to request, Krama) = Ngoko "njaluk". At Yogyakarta's Malioboro market, "tawar-menawar" (price negotiation) is a cultural tradition — never pay the first price asked.

4. Kula mboten gadhah arta receh

   Ku-la mbo-ten ga-dhah ar-ta re-ceh

   I don't have small change

   Usage

   Krama phrase to explain you don't have small change when making a purchase

   Grammar Note

   "Gadhah" (have, Krama) = Ngoko "duwe". "Arta" (money) is Krama; the Ngoko word is "dhuwit". "Receh" (small change) is widely used in daily speech.

5. Wonten karcis kangge murid?

   Won-ten kar-cis kang-ge mu-rid?

   Is there a student ticket available?

   Usage

   Krama phrase for asking about student-discounted tickets at museums or attractions

   Grammar Note

   "Karcis" from Dutch "kaartje" (small card/ticket). In Indonesia/Java, tourist attractions often have tiered pricing: domestic visitors, foreign tourists, and students pay different rates.

6. Kula badhe nyumbang

   Ku-la ba-dhe nyum-bang

   I would like to make a donation

   Usage

   Krama phrase for making a donation at a temple, community event, or religious occasion

   Grammar Note

   "Nyumbang" (to donate/contribute) embodies the Javanese "gotong royong" (mutual aid) spirit. Bringing "sumbangan" (donation) to weddings, funerals, and community events is customary.

7. Bayaripun kados pundi?

   Ba-yar-i-pun ka-dos pun-di?

   How should I pay?

   Usage

   Krama phrase for asking about payment methods

   Grammar Note

   "Kados pundi" (how, Krama) = Ngoko "kepiye". Indonesia's "QRIS" (unified QR payment system) is increasingly popular in Java, alongside cash and debit cards.

8. Larang sanget niki

   La-rang sa-nget ni-ki

   This is very expensive

   Usage

   Used as an opener for price negotiation when something is too expensive

   Grammar Note

   "Larang" interestingly means both "expensive" and "forbidden". Context determines the meaning. In bargaining, follow up with "Saged dikurangi?" (Can it be reduced?) to negotiate.

9. Kula namung gadhah rupiah

   Ku-la na-mung ga-dhah ru-pi-ah

   I only have rupiah

   Usage

   Krama phrase to inform a seller that you only have Indonesian rupiah (no foreign currency)

   Grammar Note

   "Rupiah" derives from Sanskrit "rūpa" (form/image) via Malay. The Indonesian Rupiah (IDR) is the only legal tender in Indonesia. Exchange rates fluctuate, so always check the current rate.

10. Tulung dipunbalekaken susukipun kula

    Tu-lung di-pun-ba-lek-a-ken su-su-ki-pun ku-la

    Please return my change

    Usage

    Polite Krama phrase to request your change when a cashier has forgotten to return it

    Grammar Note

    "Tulung" means "please help / please do" in Javanese. "Dipunbalekaken" = the Krama passive "dipun-" + "balek" (return) + the causative "-aken". Change is the Javanese "susuk", matching mon-019 in this file and the Convenience Store category cvs-006, which already uses the Krama form "susukipun". The earlier "kembalian" was Indonesian.

11. Dhuwit jaminan

    Deposit

    Usage

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

12. Dhuwit bali

    Refund

    Usage

    Word for getting money returned

13. Biaya tambahan

    Extra charge

    Usage

    Word for a charge added on afterward

14. Biaya layanan

    Service fee

    Usage

    Word for a fee charged for a procedure or service

15. Dhuwit kontan

    Cash

    Usage

    Point at it to say you will pay in cash; "dhuwit" is Javanese for money

16. Kartu

    Card

    Usage

    Point at it to ask whether card payment is possible

17. Bayar dhewe-dhewe

    Pay separately

    Usage

    Show it to ask for separate bills

18. Bayar dadi siji

    Pay all together

    Usage

    Show it when one person is covering the whole bill

19. Susuk

    Change (money back)

    Usage

    Point at it when change has not come back; the native Javanese word, "kembalian" in Indonesian

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