Odbiorca przelewu jest nowy.

Because odbiorca is a masculine noun with an -a ending. Polish has a small group of masculine nouns like this, especially for people, for example:

• kierowca = driver
• sprzedawca = seller
• mężczyzna = man
• odbiorca = recipient

Even though the noun ends in -a, it still behaves as masculine in agreement. That is why the adjective is nowy and not nowa:

• Odbiorca jest nowy. = The recipient is new.

If it were a feminine noun, you would expect nowa.

Because przelewu is the genitive singular form of przelew.

Here, odbiorca przelewu literally means:

• odbiorca = recipient
• przelewu = of the transfer

So the whole phrase is recipient of the transfer or, in more natural banking English, payee / transfer recipient.

This is very common in Polish: one noun is followed by another noun in the genitive to show a relationship.

Examples:

• numer telefonu = phone number
• koniec dnia = end of the day
• odbiorca przelewu = recipient of the transfer

In this context, przelew means a bank transfer.

So odbiorca przelewu is the person or company receiving the money. Depending on context, English translations could be:

• transfer recipient
• recipient of the transfer
• payee

In everyday banking Polish, przelew is one of the most common words for a transfer of money between bank accounts.

Jest is the 3rd person singular form of być = to be.

So:

• Odbiorca przelewu jest nowy. = The transfer recipient is new.

In Polish, the verb to be is normally not omitted in present-tense sentences like this. So unlike in some other languages, you usually need jest here.

A version without jest:

• Odbiorca przelewu nowy

would sound incomplete or like a label/interface fragment rather than a normal full sentence.

Because the adjective has to agree with odbiorca, and odbiorca is grammatically masculine singular.

So the forms are:

• nowy = masculine singular
• nowa = feminine singular
• nowe = neuter singular

Since odbiorca is masculine, Polish uses:

• nowy odbiorca
• odbiorca jest nowy

Even though odbiorca ends in -a, it still takes masculine agreement.

Because when an adjective is used as the predicate after być (to be), Polish normally uses the nominative:

• On jest nowy. = He/It is new.
• Odbiorca przelewu jest nowy.

So nowy is correct.

Learners often expect instrumental after jest, because noun complements often do use the instrumental:

• On jest lekarzem. = He is a doctor.
• Ona jest nauczycielką. = She is a teacher.

But with a plain adjective like nowy, Polish uses the nominative, not instrumental.

A very literal translation is:

• The recipient of the transfer is new.

But in a banking app or website, more natural English might be:

• The payee is new.
• This transfer recipient is new.
• The recipient is new.

So if this sentence appears in an online banking context, it probably means that the person or account you are sending money to has not been used before.

Yes, Polish word order is fairly flexible, though the neutral order here is:

• Odbiorca przelewu jest nowy.

You could also say:

• Nowy jest odbiorca przelewu.

But that sounds more marked, with extra emphasis on nowy.

In most ordinary contexts, especially in banking or neutral statements, Odbiorca przelewu jest nowy is the most natural order.

Because Polish has no articles like English a/an/the.

So odbiorca can mean:

• a recipient
• the recipient

The exact meaning depends on context.

In this sentence, context probably makes it definite in English, so you would usually translate it as:

• The transfer recipient is new.

But Polish itself does not need a separate word for the.

Yes. In context, nowy can mean:

• newly added
• not used before
• recently created
• unfamiliar in the current system

In a banking app, Odbiorca przelewu jest nowy often means something like:

• this is a newly added payee
• this recipient has not been used before
• the system treats this recipient as new

So although nowy literally means new, the practical meaning depends on the situation.

It is a very natural and common phrase, especially in banking language, though not necessarily a rigid idiom.

It follows a very common Polish pattern:

• [main noun] + [genitive noun]

So:

• odbiorca przelewu = recipient of the transfer

Other similar phrases:

• nadawca przelewu = sender of the transfer
• kwota przelewu = amount of the transfer
• data przelewu = date of the transfer

So even if you have never seen the exact phrase before, it is built in a very regular Polish way.