chinguga nae gyejwaro songgeumhaessdago haeseo janaegeul dasi bwasseo.

Here, -다고 해서 means something like because (someone) said that..., on hearing that..., or since I heard that....

So in 친구가 내 계좌로 송금했다고 해서, the speaker is saying:

• my friend said they transferred money to my account
• and because of that information, the speaker checked the balance again

A useful way to understand it is:

• 송금했다고 = (someone) said they transferred money
• 해서 = so / because of that

In natural English, this structure often sounds like:

• Since my friend said they transferred it to my account, ...
• When my friend told me they had transferred it to my account, ...

This pattern often shows a reason based on what someone said or on information the speaker received.

Yes, 송금하다 is the base verb meaning to transfer money / remit money.

In 송금했다고, the verb is being turned into reported speech:

• 송금했다 = (someone) transferred money
• 송금했다고 = (someone) said that they transferred money

So the 했 is the past tense of 하다, and then -다고 attaches to create the quoted/reported content.

Breakdown:

• 송금하다 → dictionary form
• 송금했다 → past tense, transferred
• 송금했다고 → saying that (someone) transferred

This is very common in Korean:

• 간다고 했어 = (someone) said they are going
• 왔다고 했어 = (someone) said they came
• 송금했다고 했어 = (someone) said they transferred money

Yes, in this sentence, the natural interpretation is that the friend is the one who transferred the money.

The beginning of the sentence is:

• 친구가 내 계좌로 송금했다고 해서

Because 친구가 comes right before this clause, the listener naturally understands:

• My friend said that they transferred money to my account

Korean often leaves pronouns unstated if the context makes them obvious. So although Korean does not explicitly repeat 친구가 inside the quoted part, it is understood.

In fuller form, it could be expanded to something like:

• 친구가 자기(가) 내 계좌로 송금했다고 해서...

But Korean normally does not say all of that unless needed for clarity.

친구가 marks friend as the subject of the clause: the friend is the one who said or did the transfer.

Using -가 here feels natural because the sentence is presenting the friend as the source of the information/action.

• 친구가 = my friend (as the subject)
• 친구는 would sound more like setting up as for my friend...

If you said 친구는 내 계좌로 송금했다고 해서..., it might sound less natural in this context unless you were contrasting the friend with someone else.

So -가 is preferred because it straightforwardly identifies who said they transferred the money.

In this sentence, -로 indicates the destination or target of the transfer.

• 내 계좌 = my account
• 내 계좌로 송금하다 = transfer money to my account

Even though -로 often means to, toward, by, or with, in banking-related contexts it commonly marks the account or destination where money is sent.

Examples:

• 한국으로 보냈어 = I sent it to Korea
• 이 계좌로 입금해 주세요 = Please deposit it into this account
• 내 계좌로 송금했어 = They transferred it to my account

So here, -로 is basically functioning as to / into.

This is a very common question because both can relate to putting money into an account.

A simple distinction:

• 송금하다 = to transfer/remit money
  Focus: sending money from one place/account/person to another

• 입금하다 = to deposit money
  Focus: money going into an account

In many everyday situations, both may seem possible, but the nuance is different.

In this sentence, 송금하다 makes sense because the friend is sending money to the speaker’s account.

Compare:

• 친구가 내 계좌로 송금했어
  = My friend transferred money to my account.

• 내 계좌에 입금했어
  = (Someone) deposited money into my account.

The first emphasizes the transfer action from the sender’s side.
The second emphasizes the money being deposited into the account.

잔액 means balance, especially an account balance.

So:

• 잔액을 봤어 = I checked the balance

Why not use other words?

• 돈 = money in general
• 금액 = amount of money
• 잔액 = the amount currently remaining in an account

Since the sentence is about a bank transfer to an account, 잔액 is the most precise word.

Examples:

• 계좌 잔액 = account balance
• 잔액이 부족해요 = the balance is insufficient
• 잔액을 확인했어요 = I checked the balance

Both are possible, but they feel a little different.

• 보다 = to see/look/check
• 확인하다 = to confirm/check/verify

다시 봤어 literally means looked again or checked again, which sounds very natural in casual speech.

So:

• 잔액을 다시 봤어 = I checked the balance again

If you said:

• 잔액을 다시 확인했어

that would also be correct, but it sounds a bit more formal or deliberate, like I re-checked / verified the balance.

Using 보다 in everyday Korean for things like messages, balances, schedules, and screens is extremely common.

다시 means again, and here it modifies 봤어.

So:

• 잔액을 다시 봤어 = I looked at the balance again

The idea is that the speaker had probably already checked it before, then checked it one more time after hearing about the transfer.

It does not mean the friend transferred the money again.
It means the speaker checked the balance again.

봤어 is the casual past form of 보다.

• 보다 = to see/look
• 봤어 = saw / looked / checked

This makes the whole sentence sound informal, as if speaking to a friend, in a diary, or in casual conversation.

More polite versions would be:

• 친구가 제 계좌로 송금했다고 해서 잔액을 다시 봤어요.
• 친구가 제 계좌로 송금했다고 해서 잔액을 다시 확인했어요.

So the sentence you were given is plain casual speech, not formal writing or polite conversation.

Not always. That is an important point.

In many sentences, -다고 해서 does express a reason:

• 친구가 송금했다고 해서 잔액을 다시 봤어
• Because my friend said they transferred it, I checked the balance again

But it often carries the nuance of:

• based on what was said
• on hearing that
• since I was told that

Also, in some contexts, -다고 해서 does not mean a simple direct cause in the strongest logical sense. It can mean something more like just because someone said X.

For example:

• 좋다고 해서 다 사면 안 돼.
• You shouldn’t buy everything just because someone says it’s good.

So the expression is broader than a simple mechanical because.

Yes. The sentence only says that the speaker checked the balance again after hearing that the friend had transferred the money.

It does not say whether:

• the money had already arrived
• the balance increased
• the transfer was delayed
• the friend was mistaken

So the sentence describes the action of checking, not the result.

That is very natural in Korean. Often the sentence gives only the immediate action or reaction, and the outcome is left unstated unless it matters.

Because 계좌 by itself usually already means bank account in ordinary contexts.

• 계좌 = account
• 은행 계좌 = bank account

If the context is clearly about sending money and checking a balance, people naturally understand 계좌 as a bank account, so 은행 is unnecessary.

Korean often leaves out words that are obvious from context.

In standard usage, 내 계좌로 송금하다 is the more natural choice.

That is because 송금하다 usually goes with a destination marked by -로:

• 계좌로 송금하다 = transfer to an account

Using 계좌에 송금하다 sounds less natural to many speakers.

However, with a different verb like 입금하다, -에 is very common:

• 내 계좌에 입금했어 = deposited into my account

So a helpful pattern is:

• 계좌로 송금하다
• 계좌에 입금하다

Yes. The difference is politeness.

• 내 계좌 = my account in casual/plain speech
• 제 계좌 = humble/polite my account

Because the sentence ends with 봤어, which is casual, 내 계좌 matches that style.

If the sentence were polite, it would usually become:

• 친구가 제 계좌로 송금했다고 해서 잔액을 다시 봤어요.

So this is a style-matching issue:

• casual sentence → 내
• polite sentence → 제