Bank pobiera prowizję za transakcję.

Polish has no articles, so there is no direct equivalent of a or the.

So:

• Bank pobiera prowizję = The bank charges a commission / fee
• depending on context, it could also mean A bank charges a commission / fee

You understand whether it is the bank or a bank from the situation, not from a separate word.

Pobiera is the 3rd person singular present tense of pobierać.

Here it means something like:

• charges
• collects
• takes

In banking language, bank pobiera prowizję is a very natural way to say that a bank charges a fee/commission.

Grammatically:

• ja pobieram = I collect / charge
• ty pobierasz = you collect / charge
• on/ona/ono pobiera = he/she/it collects / charges

Since bank is singular, we use pobiera.

Because prowizję is in the accusative case, which is usually used for the direct object of the verb.

The base form is:

• prowizja = commission, fee

But after a verb like pobierać (to charge/collect), the thing being charged takes the accusative:

• Bank pobiera prowizję.

This is a very common pattern in Polish:

• Mam kawę = I have coffee
• Czytam książkę = I’m reading a book
• Bank pobiera prowizję = The bank charges a commission

For feminine nouns ending in -a, the accusative singular often ends in -ę:

• prowizja → prowizję
• transakcja → transakcję

Because the preposition za here requires the accusative case.

The dictionary form is:

• transakcja = transaction

But after za in the sense of for, you use the accusative:

• za transakcję = for the transaction

So both key nouns in the sentence are in the accusative:

• prowizję — because it is the direct object
• transakcję — because it follows za

Here za means for.

So:

• prowizja za transakcję = a commission for a transaction
• bank pobiera prowizję za transakcję = the bank charges a fee for the transaction

Be careful: za can mean different things in different contexts, such as:

• for
• in exchange for
• behind
• sometimes part of time expressions

But in this sentence, it simply means for.

Not exactly, although they can overlap in translation.

• prowizja usually means commission or a charged percentage-based fee
• opłata is a more general word for fee or charge

In banking, prowizja often sounds more specific and technical. For example, a bank may charge:

• prowizję za przelew = a commission/fee for a transfer
• opłatę za prowadzenie konta = a fee for maintaining an account

In English, both may sometimes be translated simply as fee, but in Polish they are not always interchangeable.

Yes. Polish word order is more flexible than English word order because cases show the grammatical roles.

The neutral, standard order here is:

• Bank pobiera prowizję za transakcję.

But you could also say:

• Prowizję za transakcję pobiera bank.

That version gives more emphasis to the commission for the transaction or contrasts the bank with something else.

Even though word order can change, the original sentence is the most natural default version in ordinary usage.

Pobierać is imperfective.

That matters because in Polish, imperfective verbs are used for:

• habitual actions
• repeated actions
• general facts
• actions in progress

So this sentence sounds like a general statement or a normal policy:

• The bank charges a commission for the transaction.

The perfective partner is often pobrać:

• Bank pobrał prowizję = The bank charged / collected the commission

So:

• pobiera = charges, is charging, charges regularly
• pobrał = charged, collected once / as a completed action

A few pronunciation points may help:

• w in Polish sounds like English v
• j sounds like English y
• cj in words like transakcję sounds roughly like tsy
• final -ę is a nasal vowel, though in normal speech it is often less strongly nasal than learners expect

Rough approximations:

• prowizję ≈ pro-VEE-zyen
• transakcję ≈ tran-ZAK-tsyen

Also:

• Bank sounds close to English bank, but with a shorter, cleaner vowel
• pobiera ≈ po-BYE-ra

These are only approximations, but they can help at the start.

Yes. Pobierać can cover both ideas, depending on context.

In banking English, the most natural translation is usually:

• The bank charges a commission for the transaction.

But the Polish verb itself literally has a broader sense of collecting / taking / charging a payment.

So if you are translating naturally into English, charges is usually the best choice here.

It is similar, but not exactly the same as the given sentence.

• za transakcję = for the transaction
• od transakcji = literally from the transaction, often understood as based on the transaction or on each transaction

In many contexts, both can appear in financial language, but za transakcję is the clearest direct match for for a transaction.

So for this sentence, Bank pobiera prowizję za transakcję is the safest and most straightforward version.