Pani w oddziale wyjaśniła mi spokojnie, jak zrobić przelew i jak sprawdzić saldo.

Pani literally means lady or madam. In Polish, it can also be the formal word for you when speaking to a woman.

In this sentence, it most naturally means the lady / the female employee, not you, because it is being used as the subject of the sentence. Since it is the first word of the sentence, it is capitalized anyway.

So here Pani w oddziale is basically the lady at the branch.

Oddział can mean branch, department, or ward, depending on context. Here, because the sentence is about a transfer and balance, it clearly means bank branch.

The preposition w means in or at, and when it refers to location, it normally requires the locative case.

So:

• oddział = base form
• w oddziale = in/at the branch

That is why the ending changes.

Because Polish past tense agrees with the subject in gender and number.

Here the subject is Pani, referring to a woman, so the verb is feminine singular:

• wyjaśnił = he explained
• wyjaśniła = she explained

So Pani wyjaśniła means the lady explained.

Mi means to me.

The verb wyjaśnić often works like to explain something to someone, so the person receiving the explanation is in the dative case:

• wyjaśnić mi = explain to me
• wyjaśnić mu = explain to him
• wyjaśnić jej = explain to her

Mi is the normal short, unstressed form.
Mnie is the fuller form, usually used for emphasis or in certain positions.

For example:

• Pani wyjaśniła mi = The lady explained to me
• Mnie wyjaśniła, nie jemu = She explained to me, not to him

Because spokojnie is an adverb, and it describes how she explained.

• spokojny / spokojna = calm
• spokojnie = calmly

So:

• Pani była spokojna = The lady was calm
• Pani wyjaśniła spokojnie = The lady explained calmly

In this sentence, we need the adverb, because it modifies the verb wyjaśniła.

Because jak zrobić przelew i jak sprawdzić saldo is a subordinate clause telling us what she explained.

Polish uses commas before subordinate clauses much more regularly than English. After wyjaśniła mi spokojnie, the sentence moves into how to make a transfer and how to check the balance, so a comma is needed.

This is a very common Polish pattern.

Jak + infinitive means how to do something:

• jak zrobić przelew = how to make a transfer
• jak sprawdzić saldo = how to check the balance

After verbs like wyjaśnić, pokazać, powiedzieć, or nauczyć, this structure is very natural.

You could make it more explicit, for example:

• jak mam zrobić przelew = how I should make a transfer

But jak + infinitive is shorter and very normal in instructions or explanations.

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

• zrobić = to do/make, with the idea of completing it
• sprawdzić = to check, with the idea of completing it

Here the sentence is about learning how to perform specific actions successfully:

• make a transfer
• check the balance

That is why the perfective forms are natural.

If you used imperfective verbs such as robić or sprawdzać, it would sound more like talking about the general process, repeated activity, or ongoing action.

They are the direct objects of the infinitives:

• zrobić przelew
• sprawdzić saldo

So they are in the accusative case.

However, in these particular nouns, the accusative looks the same as the dictionary form:

• przelew = nominative and accusative singular
• saldo = nominative and accusative singular

So even though the case is accusative, you do not see a visible change here.

Because Polish does not have articles like English a and the.

So:

• zrobić przelew can mean make a transfer or make the transfer
• sprawdzić saldo can mean check a balance or check the balance

The exact meaning depends on context.

Yes. Polish word order is fairly flexible.

This sentence is natural as written:

Pani w oddziale wyjaśniła mi spokojnie, jak zrobić przelew i jak sprawdzić saldo.

But you could also hear variations such as:

• Pani w oddziale spokojnie wyjaśniła mi...
• W oddziale pani wyjaśniła mi spokojnie...

The basic meaning stays the same, but the emphasis changes slightly. Polish often moves words around for focus, rhythm, or style more freely than English.