El compte d'estalvi té diners.

Because compte is a masculine noun in Catalan, so it takes the masculine singular article el.

• el compte = the account
• la would be used with feminine nouns

This is something you usually have to learn with the noun, since grammatical gender does not always match English logic.

d'estalvi means of savings or more naturally savings in English.

So:

• compte = account
• compte d'estalvi = savings account

This structure is very common in Catalan:

• X de Y = X of Y
• but when de comes before a word beginning with a vowel, it often becomes d'

So de estalvi becomes d'estalvi.

The apostrophe appears because de is shortened before a vowel.

• de + estalvi → d'estalvi

This is called elision. Catalan does this often to make pronunciation smoother.

Other examples:

• l'amic = the friend
• d'aigua = of water
• s'escriu in some contexts and varieties

So in your sentence, d'estalvi is just the normal contracted form.

té is the third-person singular form of the verb tenir (to have):

• jo tinc = I have
• tu tens = you have
• ell / ella / vostè té = he / she / you have

The accent in té helps show the stressed vowel and also distinguishes it from te, which can have other uses in Catalan.

In this sentence:

• El compte d'estalvi té diners = The savings account has money

té is the present tense, third-person singular of tenir.

The subject is el compte d'estalvi, which is singular, so the verb must also be singular:

• El compte d'estalvi té...

If the subject were plural, you would use tenen:

• Els comptes d'estalvi tenen diners = The savings accounts have money

Yes, in normal usage diners is treated as a plural noun meaning money.

Even though English uses money as a singular mass noun, Catalan uses diners in the plural form.

Examples:

• Tinc diners = I have money
• No té diners = He/She doesn’t have money

So diners is the normal word here, not diner.

Yes, it is closely related in meaning. In this sentence, compte means account, like a bank account.

Depending on context, compte can also appear in expressions related to calculation or care, but here the meaning is clearly financial because of d'estalvi.

So:

• compte d'estalvi = savings account

This follows the normal Catalan word order:

• subject + verb + object/complement

So:

• El compte d'estalvi = subject
• té = verb
• diners = object

This is very similar to English:

• The savings account has money

Catalan can sometimes vary word order for emphasis, but this sentence is the standard, neutral order.

Usually, in a normal standalone sentence, el is needed:

• El compte d'estalvi té diners

Without the article, compte d'estalvi would sound less natural unless it appeared in a special context, like a heading, label, note, or very general statement.

So for an ordinary sentence meaning The savings account has money, keeping el is the natural choice.

A learner-friendly approximation is:

• compte ≈ KOM-tuh or KOM-tə

A few useful points:

• the o is stressed
• the final e is a very weak vowel, often like uh or ə
• the mp cluster is pronounced together

And:

• té sounds roughly like teh
• diners sounds roughly like dee-NERS

Exact pronunciation can vary somewhat by dialect, but this will help you say the sentence understandably.

Yes. Although té literally means has, the sentence naturally communicates that the savings account contains money or there is money in the savings account.

So the idea is not that the account owns money in some strange way, but simply that money is in it.

A natural English equivalent could be:

• The savings account has money
• There is money in the savings account

Both reflect the same basic meaning.