Proveravam stanje na računu u mobilnom bankarstvu.

Proveravam is the 1st person singular present tense form of the verb proveravati / proveravati? More precisely, the usual dictionary pair is proveravati or more commonly proveravati as an iterative form, but in everyday use proveravam is understood as the imperfective present form meaning:

• I check
• I am checking

In this sentence, it most naturally means I am checking.

The ending -am shows I.

In Serbian, the subject pronoun is often left out because the verb ending already shows who the subject is.

So:

• Proveravam = I check / I am checking
• Ja proveravam = I am checking with extra emphasis on I

You only add ja if you want contrast or emphasis, for example:

• Ja proveravam, a on plaća. = I’m checking, and he’s paying.

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

• proveravati / proveravam = imperfective, focusing on the process, repeated action, or ongoing action
• proveriti / proverim = perfective, focusing on a completed check

In a sentence like this, where someone is describing what they are doing right now, proveravam is the natural choice:

• Proveravam stanje... = I’m checking the balance...

If you said Proveriću stanje, that would mean:

• I will check the balance.

And Proverio sam stanje means:

• I checked the balance.

Stanje means state, status, or in banking context balance.

Here it is the direct object of proveravam, so it is in the accusative case. However, stanje is a neuter singular noun, and for many neuter nouns the nominative and accusative forms are the same.

So:

• nominative: stanje
• accusative: stanje

That is why the form does not change.

Serbian often uses a structure that literally looks like the state/balance on the account.

So:

• stanje na računu = account balance
• literally: the status/state on the account

This is a very normal Serbian expression in banking and finance.

The phrase stanje na računu is a fixed and very common expression.

Here:

• na = on / in, depending on context
• računu is the locative singular of račun

So na računu means something like:

• on the account
• more naturally in English: in the account / on the account

You cannot normally say proveravam stanje račun.
And računa would be a different case, not the one required here.

After na meaning location, Serbian uses the locative:

• na računu = on/in the account

Računu is the locative singular form of račun.

The noun is masculine:

• nominative: račun
• locative: računu

The preposition na takes:

• accusative when there is motion toward something
• locative when there is location or position

Here there is no movement. It is about where the balance is:

• na računu = on/in the account

So the -u ending marks the locative singular.

No. Račun is a very common Serbian word with several meanings depending on context, including:

• account
• bill
• check (restaurant check)
• invoice
• sometimes calculation

In this sentence, because of stanje na računu and mobilno bankarstvo, it clearly means bank account.

U mobilnom bankarstvu means in mobile banking or through mobile banking.

It is in the locative singular because the preposition u here expresses location or context, not motion.

Forms:

• mobilno bankarstvo = nominative
• u mobilnom bankarstvu = locative

Both words change:

• mobilno → mobilnom
• bankarstvo → bankarstvu

This is because the adjective must agree with the noun in gender, number, and case.

Yes, in practice that is often what it means.

Literally, u mobilnom bankarstvu means:

• in mobile banking

Depending on context, an English speaker might naturally translate it as:

• in the mobile banking app
• through mobile banking
• using mobile banking

So it can refer to the mobile banking system, service, or app interface.

No, Serbian word order is fairly flexible.

Proveravam stanje na računu u mobilnom bankarstvu is a natural neutral order.

But other orders are also possible, depending on emphasis, for example:

• U mobilnom bankarstvu proveravam stanje na računu.
  • Emphasizes in mobile banking
• Stanje na računu proveravam u mobilnom bankarstvu.
  • Slightly stronger focus on the balance

Even though the order can change, the original sentence sounds very normal and neutral.

Yes. Serbian present tense often covers both meanings, and context tells you which one is intended.

So Proveravam stanje na računu u mobilnom bankarstvu can mean:

• I am checking the balance in mobile banking.
• I check the balance in mobile banking.

Without more context, the progressive English translation (I am checking...) is often the best choice here.

Yes: Serbian has no articles.

So Serbian does not have separate words for:

• a
• an
• the

That means stanje na računu can correspond to:

• the balance on the account
• an account balance
• most naturally in context: the account balance

English needs an article, but Serbian does not.

A rough English-friendly pronunciation is:

pro-VE-ra-vam STA-nye na RA-chu-nu oo mo-BEEL-nom ban-KAR-stvoo

A few helpful notes:

• č sounds like ch in chocolate
• nj in stanje sounds like the ny in canyon
• u is like oo in food
• Serbian spelling is very consistent, so words are usually pronounced as written

A more careful breakdown:

• Proveravam = pro-ve-ra-vam
• stanje = sta-nje
• računu = ra-ču-nu
• mobilnom = mo-bil-nom
• bankarstvu = ban-kar-stvu