Confirmamos el cambio de titularidad y la domiciliación bancaria.

Here confirmamos means we confirm.

It is the first person plural form of confirmar.

One useful thing to know: confirmamos can also be the preterite form (we confirmed), because for -ar verbs the nosotros form is identical in the present and the preterite. So only the context tells you which one is meant.

In a sentence like this, especially in administrative or business writing, it will usually mean we confirm.

Spanish often leaves out subject pronouns because the verb ending already shows who is doing the action.

So:

• Confirmamos = We confirm
• Nosotros confirmamos = We confirm, but with extra emphasis

In normal business Spanish, Confirmamos... sounds natural and standard.

Starting with the verb is very common in Spanish, especially in formal, administrative, or written language.

So Confirmamos el cambio... is a natural way to write:

• We confirm the change...

It sounds efficient and official. Spanish does not need to follow English word order as strictly.

Grammatically, el cambio de titularidad is a noun phrase:

• el cambio = the change
• de titularidad = of ownership / of account holder status

So literally it is something like the change of ownership/holder status.

In practical terms, especially in paperwork, it usually refers to a change of account holder, a transfer into a new name, or a change in legal holder.

Titularidad is an abstract noun. It refers to the condition or status of being the holder, owner, or named person responsible for something.

Titular is the person or entity itself:

• el titular = the holder / account holder / owner
• la titularidad = ownership / holder status / title

So:

• cambio de titularidad = change of holder / change of ownership
• nuevo titular = new account holder / new owner

Because the phrase refers to the status or legal ownership itself, not directly to the person.

Compare:

• cambio de titularidad = change of ownership / change of account holder status
• cambio del titular = change of the holder

Both can make sense in some contexts, but cambio de titularidad is the fixed, standard expression you often see in contracts, utilities, banking, insurance, and official forms in Spain.

It sounds more formal and administrative.

Domiciliación bancaria is a very common term in Spain. It usually refers to setting up payments to be taken automatically from a bank account.

In many contexts, the closest English equivalent is:

• direct debit
• bank direct debit arrangement
• payment by bank debit

So in practical terms, this sentence is confirming both:

• the change of account holder / ownership
• the bank direct debit arrangement

Because bancaria is an adjective describing domiciliación, and domiciliación is a feminine singular noun.

So the adjective must agree with it:

• la domiciliación bancaria
• feminine singular noun + feminine singular adjective

If the noun were masculine, the adjective would change too.

Spanish often repeats the article when two different nouns are joined by y.

So:

• el cambio de titularidad
• la domiciliación bancaria

Both are separate things being confirmed, so repeating the article sounds natural and clear.

You might sometimes see article omission in other contexts, but here the repeated articles are the normal and most polished choice, especially in formal language.

Spanish normally uses y for and.

It changes to e only before words that begin with an i sound, such as:

• padre e hijo
• España e Italia

Here the next word is la domiciliación, which does not begin with an i sound, so y is correct.

Yes, very much so.

This sounds like the kind of Spanish you would see in:

• emails from a bank
• utility company messages
• contracts
• official confirmations
• customer service notices

Words like titularidad and domiciliación bancaria are typical of formal administrative Spanish in Spain.

Not very naturally.

A very literal version would sound stiff in English. Spanish administrative language often uses set phrases that do not translate neatly word for word.

Natural English would usually be something like:

• We confirm the change of account holder and the direct debit arrangement.
• We confirm the transfer of ownership and the bank direct debit setup.

The best English wording depends on the exact context: banking, utilities, tenancy, insurance, and so on.

Yes. Confirmar normally takes a direct object directly.

So you say:

• Confirmamos el cambio...
• Confirmamos la reserva.
• Confirmamos la cita.

You do not usually add a preposition before the thing being confirmed.

Yes, in isolation it could.

As mentioned earlier, confirmamos can mean either:

• we confirm (present)
• we confirmed (preterite)

In real life, context usually makes it clear. In official messages, this form often works like a present-tense statement of confirmation, so we confirm is usually the intended reading.