Comisionul este atât de mare, încât titularul contului retrage banii.

In Romanian, the definite article is usually attached to the end of the noun instead of being a separate word like English the.

• comision = commission / fee

• comisionul = the commission / the fee

• titular = holder
• titularul = the holder

So -ul here is the masculine/neuter singular definite article.

Bani means money or coins, and in Romanian it is very often used in the plural.

• bani = money / some money
• banii = the money

The ending -ii marks the definite plural. So retrage banii means withdraws the money.

This is a very common Romanian pattern meaning so ... that ...

• atât de mare = so big / so high
• încât = that / so that

So the structure is:

• atât de + adjective/adverb, încât + clause

Examples:

• Este atât de obosit, încât adoarme imediat. = He is so tired that he falls asleep immediately.
• Taxa este atât de mare, încât plecăm. = The fee is so high that we leave.

In your sentence, it shows the result of the fee being high.

When atât is used before an adjective or adverb, Romanian normally uses de:

• atât de mare = so big / so high
• atât de repede = so quickly

You should learn atât de as a set pattern before adjectives and adverbs.

But before some nouns, Romanian uses different forms, such as:

• atâția bani = so much money / so many money units
• atâtea probleme = so many problems

So atât de mare is the correct pattern here because mare is an adjective.

Contului is the genitive/dative singular form of contul. Here it means of the account.

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

So:

• titularul contului = the holder of the account = the account holder

This is a very common Romanian possessive structure:

• ușa casei = the door of the house
• numele profesorului = the teacher’s name
• titularul contului = the account holder

Retrage is the 3rd person singular present tense of the verb a retrage.

Conjugation:

• eu retrag = I withdraw
• tu retragi = you withdraw
• el/ea retrage = he/she withdraws

It matches titularul contului, which is singular, so retrage is the correct form.

Good question. In everyday Romanian, many speakers would often say își retrage banii, especially when the money belongs to the subject.

• retrage banii = withdraws the money
• își retrage banii = withdraws his/her money

The version in your sentence is still grammatical. The ownership is already fairly clear from titularul contului, so the reflexive/dative pronoun își is not strictly necessary.

Still, își retrage banii would sound very natural too.

Not always. In financial contexts, comision often means a fee, charge, or service fee, not necessarily commission in the English business/sales sense.

So in a banking sentence like this, comisionul is usually best understood as:

• fee
• bank charge
• commission fee

This is a useful vocabulary point because the Romanian word and the English word look similar but do not always match perfectly in every context.

Because încât introduces a subordinate clause of result, and Romanian normally separates that clause with a comma.

So:

• Comisionul este atât de mare, încât ...

This punctuation is standard and very common in Romanian writing.

These are important Romanian vowels:

• ă as in atât: a short neutral sound, similar to the a in English sofa
• â and î as in atât and încât: these represent the same Romanian sound, a close central vowel that English does not really have

A practical learner tip:

• â and î sound the same
• the difference is mainly spelling:
  • î is usually used at the beginning or end of a word
  • â is usually used inside a word

So in this sentence, atât and încât contain Romanian-specific vowel sounds that are worth practicing early.