Zmieniam limit transakcji i sprawdzam tytuł przelewu.

Because Polish usually drops subject pronouns when they are not needed. The verb ending already tells you who is doing the action.

Both zmieniam and sprawdzam end in -am, which here shows 1st person singular: I.

So Zmieniam limit transakcji i sprawdzam tytuł przelewu naturally means I am changing the transaction limit and checking the transfer title/reference without needing ja.

They are both:

• present tense
• 1st person singular
• imperfective verbs

So:

• zmieniam = I change / I am changing
• sprawdzam = I check / I am checking

In Polish, the present tense of an imperfective verb can cover both the English simple present and present continuous, depending on context.

This is about aspect, which is very important in Polish.

• zmieniać / sprawdzać are imperfective
• zmienić / sprawdzić are perfective

In this sentence, the imperfective forms zmieniam and sprawdzam fit an action that is happening now or is being described in progress.

If you used zmienię and sprawdzę, it would normally mean something more like:

• I will change
• I will check

That is because the present tense forms of perfective verbs usually refer to the future in Polish.

They are direct objects, so they are in the accusative case. But for many masculine inanimate nouns in the singular, the accusative form is the same as the nominative.

So:

• limit → accusative limit
• tytuł → accusative tytuł

That is why they look like dictionary forms here.

A useful contrast:

• widzę stół = I see a table
• widzę kota = I see a cat

In the second example, kot changes to kota because masculine animate nouns behave differently.

They are dependent nouns used after another noun, and Polish often uses the genitive for this.

So:

• limit transakcji = literally limit of transaction(s)
• tytuł przelewu = literally title/reference of the transfer

English often uses a noun directly before another noun, as in transaction limit or transfer title/reference. Polish more often expresses that relationship with a noun plus genitive.

On its own, transakcji is ambiguous: it can be:

• genitive singular of transakcja
• genitive plural of transakcja

So context has to tell you which meaning is intended.

In a banking interface, limit transakcji is often understood broadly as transaction limit or limit for transactions, and the exact English wording may depend on the app or context.

Yes, literally it does. But in banking Polish, tytuł przelewu is a standard expression for the text you enter as the payment description, reference, or memo.

So although tytuł often means title, in this context it is better understood as something like:

• transfer reference
• payment title
• payment description
• memo line

Because Polish has no articles. There is no direct equivalent of English a/an or the in normal usage.

Whether something is definite or indefinite is usually understood from:

• context
• word order
• emphasis
• the situation itself

So limit transakcji can mean a transaction limit or the transaction limit, depending on context.

Not completely. Polish word order is fairly flexible, and this sentence uses a very natural, neutral order:

• Zmieniam limit transakcji
• i
• sprawdzam tytuł przelewu

You could also say:

• Sprawdzam tytuł przelewu i zmieniam limit transakcji

That is still grammatical, but it changes the flow or emphasis.

What normally stays together are the noun phrases:

• limit transakcji
• tytuł przelewu

So you would not normally split those apart.