لما استلم المرتب، هاعمل تحويل لحساب التوفير.

Here لما means when or once. In Egyptian Arabic, it is a very common way to introduce a time clause:

• لما أرجع = when I come back
• لما ييجي = when he comes

So لما استلم المرتب means when I receive the salary or once I get paid.

Here it means I receive / I get, not I received.

A learner may expect أستلم, and that is the underlying form. In informal Arabic writing, especially online or in casual messages, the initial أ is often omitted, so استلم may stand for أستلم.

Context also helps:

• لما استلم المرتب = when I receive the salary
• استلمت المرتب = I received the salary

So this is not a past statement. It is part of a future time clause.

In Egyptian Arabic, بـ often marks the ordinary present, especially habitual or ongoing meaning.

But after لما in a future-time clause, speakers commonly use the bare imperfect without بـ:

• لما أستلم المرتب = when I receive the salary
• لما أخلص الشغل = when I finish work

If you say لما بستلم المرتب, it can sound more like when I usually get paid or whenever I get paid, which is a bit different.

هاعمل = هـ/ها + أعمل

• ها-/ه- = future marker, like will
• أعمل = I do / I make

So هاعمل means I’ll do or I’ll make.

In this sentence, it is best understood as I’ll make: هاعمل تحويل = I’ll make a transfer.

Because Egyptian Arabic often uses a light-verb expression: عمل + noun.

So:

• أعمل تحويل = make a transfer
• أعمل مكالمة = make a call

This is very natural. A single-verb alternative is also possible, for example:

• هاحوّل لحساب التوفير
• هاحوّل فلوس لحساب التوفير

Both are fine, but هاعمل تحويل sounds very normal in banking or administrative contexts.

المرتب means salary, pay, or wages, and it is very common in Egyptian Arabic.

A learner may already know الراتب, which is the more formal or MSA-style word for salary. In Egypt, both are understood, but المرتب is especially natural in everyday speech.

Because حساب التوفير is an iḍāfa construction, often called a noun + noun or possessive structure.

Literally, it is something like:

• حساب = account
• التوفير = the saving/savings

Together: savings account

In this structure, the first noun usually does not take ال. So:

• حساب توفير = a savings account
• حساب التوفير = the savings account / savings account in a definite sense

That is why الحساب التوفير is not the normal form here.

It means to or for, depending on context. Here it means to:

• تحويل لحساب التوفير = a transfer to the savings account

Also notice that Arabic attaches short prepositions directly to the next word:

• ل + حساب = لحساب

So the spelling is completely normal.

Because the sentence means a transfer, not the transfer.

Arabic, like English, uses an indefinite noun when introducing something nonspecific or new:

• هاعمل تحويل = I’ll make a transfer

If the speaker were referring to a specific transfer already known in the conversation, then التحويل might make sense in a different sentence.

A more formal or MSA-like version could be:

عندما أستلم الراتب، سأجري تحويلًا إلى حساب التوفير.

or

عندما أستلم الراتب، سأحوّل مبلغًا إلى حساب التوفير.

Compared with the Egyptian sentence:

• لما instead of عندما
• المرتب instead of الراتب
• هاعمل instead of سأجري / سأحوّل

So the original sentence is clearly natural Egyptian Arabic, while these alternatives sound more formal or standard.