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French Phrase

T'as ta carte bancaire sur toi ?

/ta ta kaʁt bãkɛʁ syʁ twa/

Meaning"Do you have your bank card on you?"

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Meaning

Literally, 'Do you have your bank card on you?' It asks whether the listener currently possesses their debit or credit card, typically before a purchase or when needing to verify identity.

🎯

When to use

Use this informal question when you’re with friends, family, or colleagues in a casual setting—e.g., before paying for a meal, buying tickets, or checking if someone can lend you money.

✦Grammar Breakdown

T'astacartebancairesurtoi?

1

Contraction T'as

T'as is the informal spoken contraction of Tu as. It is common in casual conversation but avoided in formal writing.

2

Possessive adjective ta

Ta agrees with the feminine noun carte and means 'your'.

3

Sur + pronoun

Sur toi means 'on you' or 'with you', indicating possession or that something is on the person.

4

Question intonation

In spoken French, the rising intonation at the end signals a yes‑no question; the written form uses a question mark.

🗨In Conversation

A

T'as ta carte bancaire sur toi ?

Do you have your bank card on you?

Oui, elle est dans mon portefeuille.

Yes, it's in my wallet.

B

✕Common Mistakes

T'es ta carte bancaire sur toi ?
T'es means 'you are', not 'you have'. The correct contraction for 'tu as' is T'as.
T'as ta carte bancaire dans toi ?
Use 'sur toi' or 'avec toi' for possession; 'dans toi' would be literal and nonsensical.
T'as votre carte bancaire sur vous ?
Mixing informal 'ta' with formal 'vous' is inconsistent. Use either all informal (ta, toi) or all formal (votre, vous).

↔Alternatives

Tu as ta carte bancaire avec toi ?
Do you have your bank card with you?
Est-ce que tu as ta carte bancaire sur toi ?
Do you have your bank card on you?
Ta carte bancaire, elle est sur toi ?
Is your bank card on you?

Cultural Tip

In France, it’s common to carry a "carte bancaire" for everyday purchases, especially in cafés and supermarkets where cash is less frequently used. Asking this question informally shows familiarity; in a professional context you’d use the full form "Est‑ce que vous avez votre carte bancaire avec vous ?" to stay polite.