כרטיס החיוב נמצא בדף החשבון.

This is because כרטיס החיוב is a construct phrase in Hebrew.

In a construct phrase:

• the first noun usually does not take ה
• the second noun can carry the definiteness for the whole phrase

So:

• כרטיס חיוב = a debit card
• כרטיס החיוב = the debit card

Literally, it is something like card of the debit/charge, but in natural English it is just the debit card.

חיוב comes from a root connected with charging, billing, or debiting. In financial contexts, it often refers to a debit or charge.

So כרטיס חיוב is the standard way to say debit card.

Depending on context, חיוב can also mean:

• a charge
• an obligation
• a debit entry

But here it is part of the fixed banking expression כרטיס חיוב.

נמצא literally means is found, but very often in modern Hebrew it is used to mean is located or is situated.

So in this sentence, it does not mean someone recently found the card. It means the card is located somewhere.

That is a very common use of נמצא:

• המשרד נמצא בקומה השנייה = The office is on the second floor
• הספר נמצא על השולחן = The book is on the table

Hebrew usually does not use a present-tense form of to be the way English does.

In this sentence, נמצא is doing the job of is located / is found. So Hebrew does not need another word for is.

Compare:

• English: The card is on the page
• Hebrew: כרטיס החיוב נמצא בדף החשבון

If Hebrew wanted simple existence or identity in the present, it would often just leave out is entirely. But here נמצא is useful because it expresses location.

Because כרטיס is a masculine singular noun.

The form נמצא agrees with a masculine singular subject:

• נמצא = masculine singular
• נמצאת = feminine singular
• נמצאים = masculine plural or mixed plural
• נמצאות = feminine plural

So since כרטיס is masculine singular, נמצא is the correct form.

This has two parts:

• ב־ = in / on / at
• דף החשבון = the account page or literally page of the account

So:

• בדף = in/on a page
• בדף החשבון = on the account page / in the account statement page, depending on context

Like כרטיס החיוב, דף החשבון is also a construct phrase:

• דף חשבון = an account page
• דף החשבון = the account page

Good question. Hebrew often changes ב + ה into בַּ. For example:

• ב + הבית → בבית = in the house

But here the word after ב is דף, not הדף.

That is because דף החשבון is a construct phrase. In construct, the first noun usually does not take ה, even when the whole phrase is definite.

So:

• not בהדף החשבון
• but בדף החשבון

The whole phrase is definite because of החשבון, not because דף itself has ה.

It can be translated either way depending on the noun and the situation.

The preposition ב־ is broader than English in. In many contexts it can correspond to:

• in
• on
• at

With דף (page), English often prefers on:

• on the page

But Hebrew still uses ב־:

• בדף literally with ב־, but naturally translated as on the page

So the Hebrew is normal even if the best English translation uses on rather than in.

חשבון can mean several related things, including:

• account
• bill
• calculation
• statement

The exact meaning depends on context.

In a financial or banking sentence like this, חשבון usually means something like:

• account
• account statement
• sometimes bill, in other contexts

So דף החשבון could be understood as the account page or the account statement page, depending on where the sentence appears.

The sentence is:

כרטיס החיוב נמצא בדף החשבון

A natural breakdown is:

• כרטיס החיוב = the subject
• נמצא בדף החשבון = the predicate, telling where it is

So the order is basically:

Subject + located/is found + place

This is a very normal Hebrew pattern.

Hebrew can sometimes vary word order for emphasis, but this version is straightforward and neutral.

A simple pronunciation guide is:

khartis ha-khiyuv nimtsa be-daf ha-kheshbon

A few notes:

• kh sounds like the ch in German Bach or Scottish loch
• ts sounds like ts in cats
• ח in החיוב and החשבון is that same rough kh sound

A rough stress pattern is:

khar-TIS ha-khi-YUV nim-TSA be-DAF ha-khesh-BON

It could be understood either way, depending on context.

Because דף means page, this could refer to:

• a physical page in a document
• a page on a website
• a screen or section in an app

Also, נמצא is neutral: it just says the debit card is located there.

So the exact image depends on where the sentence appears. If this came from banking software, בדף החשבון probably means something like on the account page. If it came from a paper statement, it could mean on the account statement page.