shǒujīyínháng yào yànzhèngmǎ hé zhīfùmìmǎ.

要 is very flexible. It can mean want, but it can also mean need, must, or require, depending on context.

In this sentence, 手机银行要验证码和支付密码, 要 does not mean that mobile banking wants something emotionally. It means requires or needs.

A natural way to understand the pattern is:

A 要 B = A needs/requires B

So here, 手机银行 is the thing that requires something, and 验证码和支付密码 are the things required.

Literally, 手机 means mobile phone and 银行 means bank, so the compound looks like mobile-phone bank.

But in real usage, 手机银行 means mobile banking or a mobile banking app/service.

So it refers to doing banking on your phone, not to a physical bank.

This is very common in Chinese: two nouns are put together to form a more specific concept.

Yes. In this sentence, 手机银行 is the grammatical subject.

The structure is:

手机银行 + 要 + 验证码和支付密码

So the sentence is organized as:

Mobile banking + requires + verification code and payment password

To an English speaker, it may also feel natural to think of an implied idea like To use mobile banking, you need... But grammatically, in this Chinese sentence, 手机银行 is the thing doing the requiring.

Because 是 is not used for this kind of sentence.

是 is mainly used to link nouns, like A is B:

他是老师。 = He is a teacher.

But here, the sentence is not saying mobile banking is ... It is saying mobile banking requires ..., so the main verb is 要, not 是.

So:

• 是 = to be, in identity/equation-type sentences
• 要 = need / require, in this sentence

Yes, you often can.

手机银行需要验证码和支付密码。 is also correct and may sound a little more explicit or formal.

The difference is roughly:

• 要 = common, flexible, concise
• 需要 = clearly need/require, slightly more formal or direct in meaning

In many practical contexts like instructions, apps, or notices, 要 is very common.

They are two different kinds of security information.

• 验证码 = verification code

  • usually a temporary code
  • often sent by text message or generated by an app
  • used to confirm your identity or action

• 支付密码 = payment password

  • usually a password or PIN you already set
  • used specifically for payments or transactions

So one is typically temporary, and the other is usually your fixed payment security password.

Because 支付密码 is a fixed compound noun.

In Chinese, many everyday terms are formed by putting words directly together without 的:

• 手机银行
• 验证码
• 支付密码

Using 的 would make it sound more like a descriptive phrase rather than a standard term.

Compare:

• 支付密码 = payment password / payment PIN
• 支付的密码 = the password used for payment

The second one is understandable, but the first is the normal, standard expression.

和 means and and links the two noun phrases:

• 验证码
• 支付密码

So 验证码和支付密码 means verification code and payment password.

It is simply connecting two things that are both required.

In this sentence, 和 is functioning just like English and between two nouns.

Chinese usually does not mark articles the way English does.

So Chinese often leaves out distinctions like:

• a verification code
• the verification code
• verification codes

The exact meaning comes from context.

Likewise, Chinese nouns usually do not change form for plural the way English nouns do. 验证码 can mean verification code or verification codes, depending on the situation.

In this sentence, context tells us that the system requires those items in general.

Good question. 行 has multiple pronunciations.

In 银行, it is pronounced háng, because here it means a business line or institution, giving the meaning bank.

So:

• 银行 = yínháng = bank
• 行 as xíng often means to be okay, to work, or capable

This is a common Chinese feature: the same character can have different pronunciations and meanings depending on the word it appears in.

The basic word order here is very natural:

subject + 要 + object

So:

手机银行要验证码和支付密码。

That is the standard order.

You could move the object to the front only in special contexts, such as topic-comment structure, but that would sound more marked and less basic for a learner.

For everyday use, treat this sentence pattern as:

Thing A requires Thing B

Examples:

• 注册要手机号。 = Registration requires a mobile number.
• 登录要密码。 = Login requires a password.
• 手机银行要验证码和支付密码。 = Mobile banking requires a verification code and payment password.

So yes, the given order is the normal one to learn first.