Marta ha fatto il bonifico senza che la banca le mandasse nessuna conferma immediata.

In Italian, fare un bonifico is the standard way to say to make a bank transfer.
So ha fatto il bonifico literally means she made the bank transfer.

This is very natural Italian. Even if English often uses to transfer money, Italian commonly prefers the noun phrase:

• fare un bonifico = to make a bank transfer
• ricevere un bonifico = to receive a bank transfer

So this is not a strange workaround; it is the normal expression.

Ha fatto is the passato prossimo, a very common Italian past tense.

It is formed with:

• the auxiliary avere → ha
• the past participle of fare → fatto

So:

• Marta ha fatto il bonifico = Marta made / has made the transfer

In everyday Italian, the passato prossimo is very often used for completed past actions.

Bonifico usually means a bank transfer.

Very often you will also hear:

• bonifico bancario = bank transfer
• fare un bonifico = make a bank transfer

In many contexts, just bonifico is enough because the banking meaning is understood.

Senza by itself is used before a noun or an infinitive:

• senza conferma = without confirmation
• senza ricevere conferma = without receiving confirmation

But when a whole clause follows, Italian uses senza che:

• senza che la banca le mandasse... = without the bank sending her...

So here there are two different subjects:

• Marta did the transfer
• la banca would send the confirmation

Because a new clause with its own subject is introduced, Italian uses senza che.

Because senza che normally requires the subjunctive in Italian.

So after senza che, you expect a subjunctive verb:

• senza che la banca le mandasse...

This is one of those structures learners simply have to get used to.
It works a bit like other expressions that trigger the subjunctive because they introduce something non-factual, dependent, or not presented as a straightforward event.

Mandasse is the imperfetto congiuntivo (imperfect subjunctive), while mandi is the presente congiuntivo (present subjunctive).

Italian often uses the imperfect subjunctive after a past-tense main verb when the dependent clause is linked to that past situation.

Here the main verb is in the past:

• Marta ha fatto il bonifico

So the subordinate clause naturally goes into the past subjunctive pattern:

• senza che la banca le mandasse...

This is part of the normal sequence of tenses in Italian.

Le means to her.

In the sentence:

• la banca le mandasse nessuna conferma immediata

the bank is sending the confirmation to Marta, so le is an indirect object pronoun.

You can think of it as:

• mandare qualcosa a qualcuno = to send something to someone

So:

• la banca mandasse a Marta una conferma becomes
• la banca le mandasse una conferma

Nessuna conferma means no confirmation / any confirmation in this negative context.

After senza che, the idea is negative:

• she made the transfer without the bank sending her any immediate confirmation

So Italian naturally uses nessuna:

• nessuna conferma immediata = no immediate confirmation / any immediate confirmation

It highlights the absence of confirmation.

Because the negative idea is already expressed by senza che.

Italian often uses nessuno/nessuna with another negative element, but here senza already creates the negative environment:

• senza che... nessuna conferma

So non is not needed.

Compare:

• La banca non le ha mandato nessuna conferma. = The bank did not send her any confirmation.
• Marta ha fatto il bonifico senza che la banca le mandasse nessuna conferma. = Marta made the transfer without the bank sending her any confirmation.

In both cases the meaning is negative, but the source of negation is different.

It is stated for clarity.

Italian often drops subjects, but here including la banca makes the sentence much easier to understand, because there are two participants:

• Marta
• la banca

If the sentence only said senza che le mandasse..., the listener would have to work harder to identify who is doing the sending.
So la banca is expressed to make the structure clear.

In Italian, adjectives often come after the noun, especially when they are descriptive and literal.

So:

• conferma immediata = immediate confirmation

This is the most neutral and natural order here.

Putting the adjective before the noun is sometimes possible in Italian, but it often changes the tone, emphasis, or style. In this sentence, conferma immediata is the normal choice.

Yes, that is possible, but it changes the structure slightly.

• Marta ha fatto il bonifico senza ricevere nessuna conferma immediata.

This means:

• Marta made the transfer without receiving any immediate confirmation.

That version focuses on Marta not receiving the confirmation.

The original sentence:

• senza che la banca le mandasse nessuna conferma immediata

focuses more explicitly on the bank not sending the confirmation.

So both are possible, but the original is more precise about who failed to do what.

Yes. Mandasse comes from mandare = to send.

It is the third person singular imperfect subjunctive:

• che io mandassi
• che tu mandassi
• che lui/lei mandasse
• che noi mandassimo
• che voi mandaste
• che loro mandassero

Here the subject is la banca, which is third person singular, so:

• che la banca mandasse

And with the pronoun:

• che la banca le mandasse

It breaks down like this:

• Marta = subject
• ha fatto = main verb
• il bonifico = direct object
• senza che = introduces a subordinate clause
• la banca = subject of the subordinate clause
• le = indirect object, meaning to her
• mandasse = subjunctive verb
• nessuna conferma immediata = direct object of mandasse

So the sentence has:

1. a main clause: Marta ha fatto il bonifico
2. a subordinate clause: senza che la banca le mandasse nessuna conferma immediata

That is why it feels more complex than a simple sentence: it contains two actions and two subjects.