كشف الحساب واضح والخصم المباشر صغير.

It is a nominal sentence in Arabic, actually made of two short nominal clauses joined by و (and):

• كشف الحساب واضح = The account statement is clear
• والخصم المباشر صغير = and the direct debit is small

Each clause has:

• a subject/topic
• a predicate/comment

So:

• كشف الحساب = subject
• واضح = predicate

and

• الخصم المباشر = subject
• صغير = predicate

In Arabic, the verb to be is usually not written in the present tense in sentences like this.

So Arabic says:

• كشف الحساب واضح literally: the account statement clear

but it means:

• The account statement is clear

The same thing happens in:

• الخصم المباشر صغير = The direct debit is small

If you wanted was, Arabic would normally use a verb such as كان.

كشف الحساب is an iḍāfa construction, often called a genitive construction or noun annexation.

It is made of:

• كشف = statement / report / كشف
• الحساب = the account

Together, they mean something like:

• account statement
• statement of the account

A key feature of iḍāfa:

• the first noun usually does not take ال
• the second noun can make the whole phrase definite

So كشف الحساب means the account statement, not just a statement of an account.

Because in an iḍāfa construction, the first noun normally does not take ال.

So Arabic says:

• كشف الحساب

not:

• الكشف الحساب ❌

The definiteness comes from the second noun:

• الحساب = the account

Since the second part is definite, the whole phrase becomes definite:

• كشف الحساب = the account statement

This is a very common pattern in Arabic.

Because واضح here is the predicate of the sentence, not an adjective inside the noun phrase.

Compare these two ideas:

1. كشف الحساب واضح = The account statement is clear

   • واضح is the predicate
   • it is normally indefinite

2. كشف الحساب الواضح = the clear account statement

   • الواضح is an adjective describing the noun
   • it must match the noun in definiteness

So in your sentence, واضح means is clear, not the clear.

Yes. المباشر is an adjective describing الخصم.

• الخصم = the debit / deduction
• المباشر = direct

Together:

• الخصم المباشر = the direct debit

Because it is a regular adjective, it comes after the noun in Arabic.

Because Arabic adjectives normally match the noun they describe in definiteness, as well as gender and number.

Here:

• الخصم is definite
• so المباشر must also be definite

That is why Arabic says:

• الخصم المباشر

not:

• الخصم مباشر ❌

If both were indefinite, you would get:

• خصم مباشر = a direct debit / a direct deduction

For the same reason: صغير is the predicate of the second clause, not an adjective inside the noun phrase.

• الخصم المباشر صغير = The direct debit is small

Here صغير means is small, so it is normally indefinite.

But if you said:

• الخصم المباشر الصغير = the small direct debit

then الصغير would be an adjective and would be definite.

No. خصم can have several related meanings depending on context, such as:

• deduction
• discount
• debit
• sometimes even opponent/adversary in other contexts

In this sentence, because of المباشر, the phrase الخصم المباشر is understood as direct debit.

So learners should remember that many Arabic nouns are context-dependent.

و means and. It connects the two clauses:

• كشف الحساب واضح
• والخصم المباشر صغير

So the full sentence is simply:

• The account statement is clear, and the direct debit is small.

Notice that Arabic often uses و very freely, just like English uses and.

In fully vocalized formal Arabic, it would typically be:

• كَشْفُ الحِسابِ واضِحٌ وَالخَصْمُ المُباشِرُ صَغيرٌ

Breakdown:

• كَشْفُ = nominative, because it is the first term of the subject phrase
• الحِسابِ = genitive, because it is the second term of the iḍāfa
• واضِحٌ = nominative predicate
• الخَصْمُ = nominative subject
• المُباشِرُ = nominative adjective matching الخَصْمُ
• صَغيرٌ = nominative predicate

In everyday printed Arabic, these endings are usually not written, but they are important for grammar.

A careful MSA pronunciation would be approximately:

• kashfu l-ḥisābi wāḍiḥ(un) wal-khaṣmu l-mubāshiru ṣaghīr(un)

If you are reading without case endings, a simpler learner-friendly pronunciation is:

• kashf al-hisāb wāḍiḥ wal-khaṣm al-mubāshir ṣaghīr

A few sound notes:

• خ in الخصم is like the ch in German Bach or Scottish loch
• ح in الحساب is a stronger, breathier h
• ص in صغير is an emphatic s
• ض in واضح is an emphatic d

Not in this sentence. Even though كشف comes from a root related to uncovering or revealing, in many set expressions it functions as a noun meaning things like:

• statement
• report
• list
• disclosure

So كشف الحساب is a fixed financial expression meaning:

• account statement
• bank statement

This is a good reminder that Arabic words derived from roots often develop specialized meanings in context.

Yes. This is very normal for Arabic nominal sentences.

Arabic often uses:

• subject + predicate

So:

• كشف الحساب واضح
• الخصم المباشر صغير

is completely natural.

Also, within noun phrases, Arabic usually puts:

• noun first
• adjective after

So:

• الخصم المباشر = the direct debit

That word order is standard.