El cotitular farà la transferència immediata a condició que miri l'IBAN.

Cotitular means co-holder or joint holder, usually of a bank account or financial product.

So el cotitular is the joint account holder / the co-holder.

It is built from:

• co- = co-, joint
• titular = holder, owner, the person officially registered

In banking Catalan, this is a very common word.

Catalan normally uses the definite article with a specific noun much more often than English does.

So:

• el cotitular = the co-holder / the joint holder

In English, we might sometimes say just the co-holder or even avoid the article in some contexts, but in Catalan the article is standard here because we are talking about a specific person.

Farà is the future tense of fer.

• fer = to do, to make
• farà = he/she/it will do, will make

In this sentence, fer una transferència means to make a transfer or to carry out a transfer.

So El cotitular farà... means that the action will happen in the future: the co-holder will make the transfer.

This is just the normal Catalan way to express to make a bank transfer.

• fer una transferència = to make a transfer

This is very similar to English, where we also often say make a transfer.

You may also hear other related expressions in financial contexts, but fer una transferència is completely standard.

In Catalan, adjectives usually come after the noun.

So:

• la transferència immediata = the immediate transfer

That noun + adjective order is the normal one:

• transferència = transfer
• immediata = immediate

Putting the adjective before the noun is much less common and usually sounds literary, emphatic, or stylistically marked.

Because transferència is a feminine singular noun, the adjective has to agree with it.

• transferència = feminine singular
• immediata = feminine singular form of immediat

Agreement in Catalan works like this:

• masculine singular: immediat
• feminine singular: immediata
• masculine plural: immediats
• feminine plural: immediates

A condició que means on condition that or provided that.

It introduces a condition that must be met.

So the structure is:

• main clause + a condició que
  • subordinate clause

Here it means the transfer will happen only if the stated condition is fulfilled.

A very close equivalent is:

• provided that
• on the condition that

Because a condició que requires the subjunctive in Catalan.

So after expressions of condition like this, Catalan uses:

• que miri = that he/she look / checks

Here:

• mira would be present indicative
• mirarà would be future indicative
• miri is present subjunctive

This is one of the most important grammar points in the sentence.

A simplified rule:

• after a condició que, use the subjunctive

Miri is the present subjunctive form of mirar for:

• jo
• ell/ella
• vostè

In this sentence, it most naturally means:

• that he/she checks
• or, in a formal reading, that you check

The verb is:

• infinitive: mirar = to look at, to check

Present subjunctive forms:

• jo miri
• tu miris
• ell/ella/vostè miri
• nosaltres mirem
• vosaltres mireu
• ells/elles/vostès mirin

Grammatically, the sentence does not explicitly specify the subject of miri.

So miri could refer to:

• the co-holder
• another person already understood from context
• a formal you

In real usage, context would tell you who is meant.

This is normal in Catalan because subject pronouns are often omitted when the verb form or the situation makes the subject clear enough.

Literally, yes, mirar means to look at.

But in practical contexts like banking, mirar l'IBAN often means something more like:

• check the IBAN
• verify the IBAN
• look over the IBAN

So it is not necessarily just physically looking at it; it often implies checking that it is correct.

Because IBAN begins with a vowel sound, and Catalan often elides the article el before a vowel.

So:

• el + IBAN becomes l'IBAN

This is the same pattern as:

• l'amic
• l'ordinador
• l'empresa

Even though IBAN is an acronym, it is treated like a word beginning with a vowel here.

In this sentence it is treated as masculine singular, because the article is el, which becomes l' before a vowel.

So the full form is:

• el IBAN
• contracted before the vowel: l'IBAN

Acronyms in Catalan often take grammatical gender based on usage or on the implied noun behind them.

Yes. It sounds fairly formal and very compatible with banking or administrative language.

Why it sounds formal:

• cotitular is technical financial vocabulary
• fer la transferència is standard banking phrasing
• a condició que is a formal connector
• IBAN is financial terminology

In everyday conversation, someone might say something slightly simpler, but this sentence is perfectly normal in an official or banking context.