Ο καταθετικός λογαριασμός έχει τόκο.

Ο is the masculine singular nominative definite article, so here it means the.

It matches λογαριασμός because λογαριασμός is a masculine singular noun.

So:

• ο λογαριασμός = the account

In this sentence, ο tells you that ο καταθετικός λογαριασμός is the subject.

This is an adjective + noun combination.

• καταθετικός = deposit / relating to deposits
• λογαριασμός = account

So:

• καταθετικός λογαριασμός = deposit account

Greek often forms this kind of expression with an adjective before the noun, just like English sometimes does.

Καταθετικός is an adjective meaning something like deposit-related or for deposits.

In banking language:

• καταθετικός λογαριασμός = deposit account

It comes from the idea of κατάθεση, meaning deposit.

You do not usually translate καταθετικός by itself as a full standalone English word in everyday speech; its exact translation depends on the noun it describes.

No. Λογαριασμός is a common Greek word with more than one meaning, depending on context.

It can mean:

• account (bank account, user account)
• bill (restaurant bill, utility bill)

In this sentence, because of καταθετικός, it clearly means bank account.

Έχει is the 3rd person singular present tense of έχω (to have).

So:

• έχω = I have
• έχεις = you have
• έχει = he/she/it has

Here the subject is ο καταθετικός λογαριασμός (the deposit account), which is singular, so έχει is the correct form.

Τόκο is the accusative singular form of τόκος.

That happens because it is the direct object of έχει:

• Ο καταθετικός λογαριασμός = subject
• έχει = verb
• τόκο = object

The basic dictionary form is:

• ο τόκος = the interest

But after has, Greek uses the accusative:

• έχει τόκο = has interest

Because here τόκο is being used in a general/indefinite sense.

• έχει τόκο = it bears interest / it has interest
• έχει τον τόκο would mean it has the interest, referring to some specific interest already known from context

So in this sentence, no article is the natural choice.

Yes. Here τόκος means interest in the financial sense.

So:

• τόκος = interest
• έχει τόκο = bears interest / earns interest / has interest

Be careful not to confuse this with English interest meaning curiosity or attention. Greek uses different words depending on the meaning.

The neutral word order here is:

• Ο καταθετικός λογαριασμός έχει τόκο.

Greek word order is more flexible than English, so other orders are possible for emphasis, but this version is the most straightforward and natural for a learner.

For example, you might also hear:

• Τόκο έχει ο καταθετικός λογαριασμός.

That would sound more marked or contrastive, something like It is interest that the deposit account has or The deposit account does bear interest.

A simple pronunciation guide is:

• Ο καταθετικός λογαριασμός έχει τόκο
• o kata-theti-KOS logariaz-MOS E-hi TO-ko

A few useful notes:

• Greek stress matters a lot.
• The stressed syllables here are:
  • καταθετικός
  • λογαριασμός
  • έχει
  • τόκο

If you place the stress incorrectly, native speakers will still sometimes understand you, but it may sound unnatural or confusing.

Yes. That is a very natural English way to express the same idea.

Depending on context, Ο καταθετικός λογαριασμός έχει τόκο can be translated as:

• The deposit account has interest
• The deposit account bears interest
• The deposit account earns interest

Often bears interest or earns interest sounds more natural in English than has interest, even though Greek literally uses has.

In the plural, it becomes:

• Οι καταθετικοί λογαριασμοί έχουν τόκο.
• The deposit accounts earn interest.

Changes:

• Ο → Οι
• καταθετικός → καταθετικοί
• λογαριασμός → λογαριασμοί
• έχει → έχουν

Notice that τόκο can stay singular in Greek in a general sense, just like English often says earn interest rather than earn interests.

Yes, grammatically you can.

• Ο λογαριασμός έχει τόκο. = The account earns interest.

But without καταθετικός, it is less specific. It just says the account. With καταθετικός λογαριασμός, you clearly mean a deposit account, not some other type of account.

You know this from both case and verb structure.

• ο καταθετικός λογαριασμός is in the nominative, which is the normal subject case
• τόκο is in the accusative, which is the normal direct object case
• έχει is a transitive verb meaning has, so it naturally takes an object

So the structure is:

• subject: ο καταθετικός λογαριασμός
• verb: έχει
• object: τόκο

This is one reason Greek can allow more flexible word order than English: the endings help show each word’s role.