Money & Exchange

1. کتنے پیسے ہوں گے؟

   kit-ne pai-se hon ge?

   How much will it cost?

   Usage

   A basic phrase to ask the price of goods or services

   Grammar Note

   Pakistan's currency is the Pakistani Rupee (PKR, rupayya). "Kitne paise" = "how much money." "Qeemat kya hai" (what is the price) is a formal alternative

2. کچھ کم کریں

   ku-chh kam ka-ren

   Please reduce the price a bit

   Usage

   Used for bargaining at bazaars and markets

   Grammar Note

   Bargaining (mol-tol) is normal at Pakistani bazaars. "Karen" is polite imperative of "karna." "Yeh bahut mehnga hai" (this is too expensive) strengthens negotiation

3. کارڈ چلتا ہے؟

   kard chal-ta hai?

   Does card payment work here?

   Usage

   Used to check if card payment is accepted

   Grammar Note

   "Chalna" (to walk/work) is polysemous; "card chalta hai?" idiomatically asks if card payment works. Specify: "Visa card chalta hai?" or "Master card?"

4. اے ٹی ایم کہاں ہے؟

   e ti em ka-han hai?

   Where is the ATM?

   Usage

   Used to find an ATM for cash withdrawal

   Grammar Note

   "ATM" is transliterated into Urdu script. Major Pakistani banks like HBL, MCB, and UBL have ATMs. Some accept international cards; look for Visa/Mastercard logos

5. رسید دیں

   ra-sid den

   Please give a receipt

   Usage

   Used to request a receipt after a purchase

   Grammar Note

   "Den" is polite imperative of "dena" (to give). "Rasid" (Persian-derived from "rasidan" = to arrive/receive) = receipt. "Pakki rasid" = official printed receipt

6. زر مبادلہ کہاں ملے گا؟

   zar-e mu-ba-de-la ka-han mi-le ga?

   Where will I find currency exchange?

   Usage

   Used to find a currency exchange office to convert foreign money to Pakistani rupees

   Grammar Note

   "Zar" (Persian/Urdu) = gold/money. "Mubadala" = exchange. The English "currency exchange" is widely understood. Found at airports, large hotels, and city centers

7. کل کتنا ہوا؟

   kul kit-na hu-a?

   What was the total?

   Usage

   Used to ask for the total amount of a purchase

   Grammar Note

   "Kul" is polysemous: "total," "yesterday," and "tomorrow" (context-dependent). Here it means "total." "Jor karen" (please add up) is an explicit alternative

8. ڈالر لیں گے؟

   da-lar len ge?

   Will you take dollars?

   Usage

   Used to ask if payment in US dollars is accepted

   Grammar Note

   "Lenge" is polite future of "lena" (to take/receive). Tourist areas, hotels, and exchange offices in Pakistan often accept USD and EUR in addition to PKR

9. ریزگاری ہے؟

   rez-ga-ri hai?

   Do you have small change?

   Usage

   Used when paying with a large note to ask if the seller has change

   Grammar Note

   "Rezgari" (Persian-origin) = small change. "Chhuttah" also means "change/coins." "Rezgari nahi hai" (I don't have change) is a common response in small shops

10. بل لائیں

    bil la-yen

    Please bring the bill

    Usage

    Used at restaurants to ask for the check

    Grammar Note

    "Layen" is polite imperative of "lana" (to bring). "Hisab" (reckoning/account) is a synonym. In Pakistani restaurants, it's normal to call the server directly

11. بیعانہ

    Bayana

    Deposit

    Usage

    A refundable deposit paid when checking into a hotel or renting equipment.

12. رقم کی واپسی

    Raqam ki wapsi

    Refund

    Usage

    Use when asking to get money back.

13. ضمانتی رقم

    Zamanti raqam

    Security deposit

    Usage

    A more formal term for a security deposit, e.g. for contracts.

14. پیشگی ادائیگی

    Peshgi adaigi

    Prepayment

    Usage

    Use when referring to payment made in advance.

15. اضافی رقم

    Izafi raqam

    Extra charge

    Usage

    Use when referring to an additional fee charged afterward.

16. خدمت کا معاوضہ

    Khidmat ka mu'awaza

    Service fee

    Usage

    Use when referring to a fee charged for a procedure or service.

17. نقد

    naqd

    Cash

    Usage

    Point to it to indicate how you will pay; small shops and stalls in Pakistan are cash-only

18. کارڈ

    kard

    Card

    Usage

    Point to it to ask whether cards are accepted; usable mainly at city hotels and larger stores

19. الگ الگ بل

    a-lag a-lag bil

    Separate bills

    Usage

    Show it to the server when each person wants to pay their own

20. اکٹھا بل

    ik-tha bil

    One bill together

    Usage

    Show it to the server when one person is paying for everyone

21. بہت مہنگا

    ba-hut meh-nga

    Too expensive

    Usage

    Show it to open a haggle; bargaining is expected in bazaars

22. بقیہ پیسے

    ba-qi-ya pai-se

    Change (money owed back)

    Usage

    Point to it when the change has not come back; distinct from "rezgari", the small coins you carry

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