Nous effectuons un virement au bénéficiaire.

Yes. Nous literally means we, but in business or administrative French it often refers to an organization speaking as a whole, such as a bank, company, or service team.

So in a sentence like Nous effectuons un virement au bénéficiaire, nous may mean:

• we as in several employees
• we as in our company/bank

That is very natural in formal written French.

Effectuons is the nous form of the verb effectuer, which means to carry out, to perform, or in this context to make/process.

The present-tense conjugation is:

• j’effectue
• tu effectues
• il/elle effectue
• nous effectuons
• vous effectuez
• ils/elles effectuent

So nous effectuons simply means we carry out / we are carrying out.

A useful spelling point: the verb is effectuer, so the u stays in effectuons.

Because effectuer sounds more formal and more typical of banking, administrative, and business French.

Compare:

• Nous faisons un virement = understandable, but more everyday
• Nous effectuons un virement = more formal, professional, and standard in banking language

So this sentence has a clear official/business tone.

Virement is a masculine noun, so it takes un in the singular:

• un virement = a transfer
• le virement = the transfer
• des virements = transfers

In banking French, virement is the standard word for a bank transfer.

Because à + le contracts to au in French.

So:

• à + le = au
• à + les = aux

That means:

• au bénéficiaire = to the beneficiary

This contraction is required in normal French. You do not say à le bénéficiaire.

Because the beneficiary is the recipient of the transfer, and French normally uses à to mark the person or entity receiving something.

In banking language, the usual pattern is:

• faire/effectuer un virement à quelqu’un
• un virement au bénéficiaire

So à here works like to in English: to the beneficiary.

It can mean both, depending on context.

The French present tense often covers both:

• we carry out
• we are carrying out

So Nous effectuons un virement au bénéficiaire could mean either:

• a general present statement, or
• an action happening now

If you wanted to clearly say we have carried out / we carried out, French would usually use the passé composé:

• Nous avons effectué un virement au bénéficiaire.

In banking contexts, bénéficiaire usually refers to the person or account that receives the transfer. In English, depending on the situation, that may be translated as:

• beneficiary
• recipient
• payee

So the French word is standard banking vocabulary for the receiving party.

Yes. Nous effectuons un virement au bénéficiaire follows the most natural French order:

• subject: Nous
• verb: effectuons
• direct object: un virement
• indirect object / recipient: au bénéficiaire

That order sounds normal and idiomatic.

A version like Nous effectuons au bénéficiaire un virement is grammatically possible in some contexts, but much less natural here.

A careful pronunciation is approximately:

noo zay-fek-two-ON un vee-ruh-MAHN oh bay-nay-fee-syair

A few points:

• Nous effectuons has a z sound linking the words: noo z...
• virement ends with a nasal vowel, so the final -ent is not pronounced like English
• bénéficiaire has the sound -syair at the end

If you want it in IPA, it is approximately:

[nu.z‿e.fɛk.ty.ɔ̃ œ̃ vi.ʁə.mɑ̃ o be.ne.fi.sjɛʁ]