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Spanish Phrase

¿Cómo saco efectivo?

/ˈko.mo ˈsa.ko e.fekˈti.βo/
Meaning"How do I withdraw cash?"
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Meaning

This phrase literally translates to "How do I take out cash?" and is the most common and natural way to ask about withdrawing money from an ATM or bank. "Sacar" means "to take out" or "to remove," and "efectivo" refers specifically to cash.

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When to use

You would use this phrase when you need to find out how to get physical money, typically from an ATM (cajero automático) or a bank teller. It's a practical question for travelers or anyone in a Spanish-speaking country needing cash.

✦Grammar Breakdown

¿Cómosacoefectivo?

1

Cómo (How)

“Cómo” is an interrogative adverb meaning “how.” It always carries an accent mark when used in a question.

2

Sacar (to take out)

“Saco” is the first-person singular (yo) conjugation of the verb “sacar” in the present indicative tense. It means “I take out” or “I withdraw.” This verb is commonly used for removing items, including money.

3

Efectivo (cash)

“Efectivo” is a masculine noun meaning “cash.” It's important to distinguish it from “dinero,” which is the general term for money, as “efectivo” specifically refers to physical currency.

🗨In Conversation

A

Disculpe, ¿cómo saco efectivo?

Excuse me, how do I withdraw cash?

Hay un cajero automático en la esquina, a la derecha.

There's an ATM on the corner, to the right.

B

✕Common Mistakes

  • ¿Cómo retiro dinero?

    While 'retirar' also means 'to withdraw,' 'sacar efectivo' is more commonly used and sounds more natural in everyday conversation for getting cash.

  • ¿Cómo tomo efectivo?

    'Tomar' means 'to take' but is not typically used in the context of withdrawing money from a bank or ATM. 'Sacar' is the correct verb here.

↔Alternatives

  • ¿Dónde hay un cajero automático?

    Where is an ATM?

  • ¿Puedo sacar dinero aquí?

    Can I withdraw money here?

  • ¿Hay un banco cerca para sacar efectivo?

    Is there a bank nearby to withdraw cash?

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Cultural Tip

In many Spanish-speaking countries, cash (efectivo) is still widely used, especially in smaller shops, markets, and for public transport. While card payments are becoming more common, it's always a good idea to have some cash on hand. ATMs are generally safe, but it's wise to use them during daylight hours and be aware of your surroundings.