Tekući račun ima mesečnu naknadu.

In this sentence, tekući račun means a current account or a checking account at a bank.

Literally, tekući can mean current, running, or ongoing, and račun can mean account, bill, or calculation depending on context. Together, in banking, tekući račun is the standard phrase for a regular bank account used for everyday transactions.

Because tekući has to agree with račun.

• račun is masculine singular
• so the adjective also appears in the masculine singular nominative form: tekući

This is the basic dictionary form of the noun phrase:

• tekući račun = current/checking account

Ima is the 3rd person singular present tense of imati, which means to have.

So:

• imam = I have
• imaš = you have
• ima = he/she/it has

Here, the subject is tekući račun, which is singular, so Serbian uses ima:

• Tekući račun ima... = The current account has...

Because they are the direct object of ima, and direct objects usually go in the accusative case.

The base forms are:

• mesečna naknada = monthly fee (nominative)
• mesečnu naknadu = monthly fee (accusative)

Both words are feminine singular, so they change like this:

• mesečna → mesečnu
• naknada → naknadu

So:

• Tekući račun ima mesečnu naknadu. literally = The current account has a monthly fee.

The dictionary form is mesečna naknada.

That is the nominative singular form, the form you would usually find in a vocabulary list.

In the sentence, it changes to mesečnu naknadu because it is in the accusative.

Serbian does not use articles like English a/an and the.

So Tekući račun ima mesečnu naknadu can mean:

• The current account has a monthly fee
• A current account has a monthly fee

Which one sounds best in English depends on context. Serbian leaves that unstated.

Yes. Račun is a very common word with several meanings, including:

• account
• bill
• check (at a restaurant)
• calculation

So context is very important.

Examples:

• bankovni račun = bank account
• tekući račun = current/checking account
• Molim račun. = The bill, please.

Yes, here naknada means fee or charge.

It is a general word for some kind of payment or charge. In banking, it often refers to:

• account fees
• service charges
• administrative fees

A mesečna naknada is specifically a monthly fee/charge.

Yes. Serbian word order is more flexible than English word order.

The neutral, straightforward version is:

• Tekući račun ima mesečnu naknadu.

But other orders are possible for emphasis, for example:

• Mesečnu naknadu ima tekući račun.
• Tekući račun mesečnu naknadu ima.

These are grammatically possible, but the original sentence is the most natural neutral wording for a learner to use.

A simple pronunciation guide is:

• Tekući ≈ TEH-koo-chee
• račun ≈ RAH-choon
• ima ≈ EE-ma
• mesečnu ≈ MEH-sech-noo
• naknadu ≈ NAHK-na-doo

A few useful sound notes:

• č sounds like ch in church
• ć is softer than č, though English speakers often need time to hear the difference
• š = sh
• ž = s in measure

So tekući contains ć, while račun contains č.

Yes. That is a natural English translation of the meaning.

But grammatically, the Serbian sentence is built with has:

• Tekući račun = the current account
• ima = has
• mesečnu naknadu = a monthly fee

So the structure is literally:

• The current account has a monthly fee

English often prefers either:

• The current account has a monthly fee or
• There is a monthly fee for the current account

Both can express the same idea.