Money & Exchange

1. Asa ang ATM diri?

   A-sa ang ATM di-ri?

   Where is the ATM here?

   Usage

   Find the nearest ATM

   Grammar Note

   "Ang" is the nominative/topic marker. ATMs from BDO, BPI, and Metrobank are widely available in Cebu malls and commercial areas.

2. Pila man ang presyo niini?

   Pi-la man ang pres-yo ni-i-ni?

   How much is this?

   Usage

   Ask the price of an item

   Grammar Note

   "Man" is a modal particle that softens questions and keeps conversation flowing. "Presyo" is from Spanish. Philippine currency is the Peso (PHP).

3. Pwede ba mag-tawad?

   Pwe-de ba mag-ta-wad?

   Can I bargain / get a discount?

   Usage

   Try to negotiate a lower price at a market or stall

   Grammar Note

   "Tawad" means bargaining/discount. Common at Carbon Market and tiangge (flea markets). Not applicable in fixed-price malls — but try at Cebu's street markets.

4. GCash ba ninyo dawaton?

   GCash ba ni-nyo da-wa-ton?

   Do you accept GCash?

   Usage

   Check if GCash e-wallet payment is accepted

   Grammar Note

   GCash and Maya are the Philippines' leading e-wallets. QR code payments are common. Foreign visitors need a Philippine phone number to register.

5. Pwede ba mag-bayad sa card?

   Pwe-de ba mag-ba-yad sa card?

   Can I pay by card?

   Usage

   Check if credit or debit card payment is accepted

   Grammar Note

   "Mag-" is the active-voice prefix. "Bayad" means payment. Large stores and hotels accept cards; smaller stalls and markets usually require cash.

6. Naa ba moy sukli?

   Na-a ba moy suk-li?

   Is there change?

   Usage

   Ask if there is change when paying with a large bill

   Grammar Note

   "Naa ba moy X?" is the standard way to ask "do you have X?". "Sukli" is the Cebuano word for change returned. The earlier "Adunay baylo ang sukli?" parsed as "does the change have an exchange?" — "baylo" means barter/exchange, not change owed. The same pattern appears in the Convenience Store category cvs-004, "Naa moy supot?". Lack of small change is common at Philippine markets and on transport, and bills over ₱500 may be refused at small stalls.

7. Bahinon nato ang bayad

   Ba-hi-non na-to ang ba-yad

   Let's split the bill

   Usage

   Suggest going Dutch after a group meal

   Grammar Note

   "Bahin" is the root for "divide/share"; the object-focus suffix "-on" gives "bahinon" (to divide it). Filipinos also commonly say "KKB" for going Dutch.

8. Asa pwede mag-exchange og kwarta?

   A-sa pwe-de mag-ex-change og kwar-ta?

   Where can I exchange money?

   Usage

   Find a currency exchange or money changer

   Grammar Note

   "Kwarta" is the word for money, from Spanish "cuarto" (a coin). "Mag-exchange og kwarta" is the standard way to say exchange money (the native Cebuano "baylo" means barter without money). Currency exchange is available at Mactan Airport, SM Mall, and Ayala Center Cebu, and city changers often beat airport rates.

9. Hatagi ko og resibo

   Ha-ta-gi ko og re-si-bo

   Give me a receipt

   Usage

   Request a receipt after making a payment

   Grammar Note

   "-i" is the beneficiary-focus imperative suffix. "Hatag" (give) + "-i" = "hatagi" (give to me). Official receipts (OR) are important for tax purposes in the Philippines.

10. Libreng admission ba para sa mga bata?

    Lib-reng ad-mis-sion ba pa-ra sa mga ba-ta?

    Is admission free for children?

    Usage

    Ask if children get free entry at an attraction

    Grammar Note

    "Libre" from Spanish means "free of charge" in Philippine usage. Many national heritage sites and parks in Cebu offer free or discounted admission for children under 12.

11. Deposito

    Deposit

    Usage

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

12. Refund

    Usage

    Word for getting money returned

13. Dugang bayad

    Extra charge

    Usage

    Word for a charge added on afterward

14. Bayad sa serbisyo

    Service fee

    Usage

    Word for a fee charged for a procedure or service

15. Cash

    Usage

    Say you will pay cash; kwarta is money in general

16. Card

    Card (credit or debit)

    Usage

    Point at this to ask whether card payment is accepted

17. Bulag nga bayad

    Separate bills

    Usage

    Show this to ask for the bill to be split

18. Tingob ang bayad

    One bill together

    Usage

    Show this to have everything on one bill

19. Sukli

    Change (money returned)

    Usage

    Point at this when asking for your change

20. ATM

    Usage

    Show this when asking where an ATM is

21. Money changer

    Usage

    In Cebu the shops are signed as "money changer"

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