Retragerea de numerar are un comision.

The base noun is retragere, which means withdrawal.

Romanian often puts the definite article at the end of the noun instead of using a separate word like the. So:

• retragere = withdrawal
• retragerea = the withdrawal

Here, retragerea de numerar is the full noun phrase meaning the cash withdrawal or, in this kind of formal/banking language, cash withdrawal as a service/operation.

de numerar literally means of cash, but in natural English it corresponds to cash in cash withdrawal.

Romanian often uses de + noun where English uses a noun like an adjective. So:

• retragere de numerar = cash withdrawal
• literally: withdrawal of cash

This is a very common pattern in Romanian.

Because Romanian usually does not build noun compounds the same way English does.

English can say:

• cash withdrawal
• credit card
• bank account

Romanian often expresses these with de:

• retragere de numerar
• card de credit
• cont de bancă in some contexts, though cont bancar is also possible

So de is the normal connector here.

Because retragere de numerar is the standard expression for the banking operation cash withdrawal.

If you say retragerea numerarului, it sounds more like the withdrawal of the cash, referring to some specific cash. That is a different nuance.

So:

• retragere de numerar = the type of transaction: cash withdrawal
• retragerea numerarului = withdrawal of the cash, possibly specific cash already mentioned

are is the 3rd person singular present of a avea, meaning to have.

So literally:

• Retragerea de numerar are un comision.
• The cash withdrawal has a fee.

In Romanian, using a avea like this is normal. In English, we might translate it more naturally as:

• Cash withdrawal has a fee
• Cash withdrawals incur a fee
• There is a fee for cash withdrawal

In this sentence, comision means fee, charge, or commission, depending on context.

In banking, comision very often means a service fee charged by the bank. So here it is best understood as:

• a fee
• a bank charge

Because comision is a masculine singular noun.

In Romanian:

• un is used with masculine and neuter singular nouns
• o is used with feminine singular nouns

So:

• un comision = a fee
• not o comision

Romanian often uses the definite singular to talk about a process, service, or category in a general way, especially in formal language, notices, and banking information.

So retragerea de numerar here does not necessarily mean one specific withdrawal happening right now. It can mean the operation of cash withdrawal in general.

This is quite natural in Romanian administrative or commercial language.

In context, it usually means the service/operation in general: cash withdrawal carries a fee.

Even though the grammar is singular, the meaning is often generic. A bank might use this wording in a fee table or app to describe the rule for that type of transaction.

So the practical meaning is often close to:

• Cash withdrawals have a fee
• There is a fee for cash withdrawals

It is understandable, but it is not the most natural English in most banking contexts.

More natural English would be:

• Cash withdrawal has a fee
• Cash withdrawals incur a fee
• There is a fee for cash withdrawals
• A fee applies to cash withdrawals

So the Romanian structure is straightforward, but the best English translation may be phrased a bit differently.