Titularul contului semnează formularul.

Because Romanian usually puts the definite article at the end of the noun.

• titular = holder
• titularul = the holder
• formular = form
• formularul = the form

So instead of a separate word like English the, Romanian often uses endings such as -ul, -a, -le, or -lor.

It means the holder of the account, usually the account holder.

In banking Romanian, titular means the person officially registered as the owner or holder of something, especially an account, contract, or document.

So:

• titularul = the holder
• contului = of the account

Together: the account holder.

Because Romanian is using the genitive case here, which often expresses of.

Compare:

• contul = the account
• contului = of the account / to the account

In titularul contului, the second noun shows possession or relationship:

• titularul contului = the holder of the account

For many masculine and neuter singular nouns, the definite genitive/dative ending is -ului.

Yes. contului is already definite.

It does not mean of an account.
It means of the account.

That ending -ului includes both:

• the idea of the
• the genitive/dative form

So:

• cont = account
• un cont = an account
• contul = the account
• contului = of the account

Semnează is the 3rd person singular present tense of a semna = to sign.

So:

• eu semnez = I sign
• tu semnezi = you sign
• el/ea semnează = he/she signs

In this sentence, titularul contului is singular, so the verb is singular too:

• Titularul contului semnează formularul.
• The account holder signs the form.

Because Romanian often expresses of by changing the form of the noun, rather than adding a separate word.

English:

• the holder of the account

Romanian:

• titularul contului

Here, contului already carries the meaning of the account through the genitive ending.

So Romanian can often be more compact than English in phrases like this.

Yes, this sentence uses a very normal Subject–Verb–Object order:

• Titularul contului = subject
• semnează = verb
• formularul = object

So it matches English quite closely:

• The account holder / signs / the form

Romanian word order is somewhat flexible, but this version is the most neutral and natural one.

Sometimes yes, because Romanian verbs often show who the subject is.

For example, if the context is already clear, someone might say:

• Semnează formularul.

That could mean He/She signs the form depending on context.

However, in your sentence, the subject is kept because it is important to specify who signs the form:

• Titularul contului semnează formularul.

So this is more explicit and clearer.

A simple pronunciation guide for semnează is:

• sehm-NEA-zuh

The last letter ă is very common in Romanian. It sounds like the unstressed vowel in English sofa or about.

So:

• ză sounds roughly like zuh

Also, the stress is on nea:

• sem-nea-ză

Formular is actually a neuter noun.

In Romanian, neuter nouns behave:

• like masculine in the singular
• like feminine in the plural

So in the singular, a neuter noun often looks masculine:

• formular = form
• formularul = the form

That is why you see -ul here.

Yes, in many contexts that is a natural translation.

Titular can overlap with English words like:

• holder
• owner
• account holder
• registered holder

In banking English, account holder is usually the best choice. But depending on context, owner may also sound natural.