הוראת הקבע והחיוב הישיר נמצאים בדף החשבון.

Because together they make a compound subject: the standing order and the direct debit. In Hebrew, when two singular nouns are joined by ו־ (and), the verb usually goes into the plural.

Also, the two nouns have different grammatical genders:

• הוראה is feminine
• חיוב is masculine

When Hebrew has a mixed-gender plural subject, the verb normally takes the masculine plural form, so נמצאים is the expected choice.

If both nouns were feminine, you would expect נמצאות instead.

הוראת הקבע is a construct phrase (called סמיכות in Hebrew), literally something like the instruction of the standing/fixed kind. In modern usage, it is the standard banking term for standing order.

A few important things happen in a construct phrase:

• the first noun changes form: הוראה → הוראת
• the first noun does not take ה־
• the definiteness comes from the second noun: הקבע

So הוראת הקבע is definite even though הוראת itself has no ה־.

Because in Hebrew, if a noun phrase is definite, the adjective must also be definite.

So:

• חיוב ישיר = a direct debit / direct charge
• החיוב הישיר = the direct debit / the direct charge

This is a basic rule of Hebrew adjectives:

• adjectives come after the noun
• they match the noun in gender
• they match the noun in number
• they match the noun in definiteness

That is why both words have ה־.

Because that is the normal word order in Hebrew. Unlike English, where adjectives usually come before the noun, Hebrew adjectives usually come after the noun.

So:

• English: direct debit
• Hebrew: חיוב ישיר

And if it is definite:

• English: the direct debit
• Hebrew: החיוב הישיר

In Hebrew, and is usually the prefix ו־ attached directly to the next word.

So:

• ו = and
• והחיוב = and the direct debit

This is completely normal in Hebrew writing. The conjunction is usually not written as a separate word.

Because דף החשבון is also a construct phrase: page of the account / account page.

In a construct phrase:

• the first noun does not take ה־
• the whole phrase can still be definite because the second noun is definite

So:

• דף החשבון = the account page / the page of the account

Then the preposition ב־ (in/on) attaches to דף:

• ב + דף = בדף

So בדף החשבון means on the account page or in the account statement/page, depending on context.

Because את marks a definite direct object, and this sentence does not have one.

Here, הוראת הקבע והחיוב הישיר are the subject of the sentence, and נמצאים means are found / are located / appear.

So the structure is basically:

• subject
  • verb
    • prepositional phrase

That means there is no direct object to mark with את.

Literally, נמצאים comes from להימצא, which often means to be found, to be located, or to appear/be present.

In this sentence, it does not necessarily mean someone physically found them. It is more like:

• are located
• appear
• are listed
• are shown

In banking or website/app language, Hebrew often uses נמצא / נמצאים in this way to say that something is present on a page or in a section.

Yes, literally that is the structure. But in natural English, you would usually translate it more smoothly as something like:

• the account page
• the account statement page
• the account sheet/page

Hebrew often uses construct phrases where English might use a noun + noun combination or a more idiomatic expression. So it is useful to understand the literal structure, but also to recognize the natural meaning in context.