Переказ коштів має комісію.

Коштів is the genitive plural form of кошти.

In this sentence, переказ коштів means transfer of funds. Ukrainian often expresses noun + of + noun by putting the second noun into the genitive case.

So:

• переказ = transfer
• кошти = funds
• переказ коштів = transfer of funds

A useful comparison:

• переказ грошей = transfer of money
• переказ коштів = transfer of funds

Here, коштів is not the subject. It depends on переказ.

Yes, this is a very common question.

Кошти is a noun that is normally used in the plural and means funds / money in a somewhat formal or financial style.

So even though English often uses singular money, Ukrainian can use plural кошти.

Examples:

• немає коштів = there are no funds / no money
• переказ коштів = transfer of funds

If you want a more everyday word, гроші is also very common:

• переказ грошей = money transfer

Both are possible, but кошти sounds more formal and businesslike.

Because комісію is the accusative singular form of комісія.

The verb мати means to have, and the thing that is had is a direct object, so it goes in the accusative case.

Forms:

• комісія = nominative singular
• комісію = accusative singular

So:

• Переказ коштів має комісію. = The transfer of funds has a fee/commission.

This is a very typical pattern:

• Банк має ліцензію.
• Компанія має офіс.

Має means has.

It is the 3rd person singular present tense form of the verb мати = to have.

Conjugation of мати in the present tense:

• я маю = I have
• ти маєш = you have
• він / вона / воно має = he / she / it has
• ми маємо = we have
• ви маєте = you have
• вони мають = they have

Here the subject is переказ = transfer, which is singular, so Ukrainian uses має.

Because мати means to have, while є usually means is / exists.

So:

• Переказ коштів має комісію = The transfer has a fee.
• Є комісія за переказ коштів = There is a fee for transferring funds.

Both can express a similar idea, but the structure is different.

A useful distinction:

• мати + accusative = to have something
• є = there is / is

So this sentence is built like a normal has sentence in English.

It is understandable, but depending on context, native speakers may often prefer other phrasing that sounds more natural in financial or banking contexts.

Common alternatives include:

• За переказ коштів стягується комісія. = A fee is charged for the transfer of funds.
• Переказ коштів здійснюється з комісією. = The transfer of funds is carried out with a fee.
• На переказ коштів є комісія. = There is a fee on the transfer of funds.
• Переказ коштів передбачає комісію. = The transfer of funds involves a fee.

Your original sentence is grammatically fine, but it can sound slightly more direct or literal than the wording often used in official notices.

Yes. Ukrainian word order is fairly flexible, because case endings show the grammatical roles.

The neutral order here is:

• Переказ коштів має комісію.

But you can move things around for emphasis. For example:

• Комісію має переказ коштів.

This puts more emphasis on комісію.

That said, not every possible order sounds equally natural in every context. The original order is the safest and most neutral one for learners.

Yes.

• переказ грошей = transfer of money
• переказ коштів = transfer of funds

The difference is mostly stylistic:

• гроші / грошей = more everyday, common
• кошти / коштів = more formal, financial, administrative

So in banking, contracts, payment systems, or official information, коштів is especially common.

No. Ukrainian does not have articles like a, an, or the.

So комісію by itself can mean:

• a fee
• the fee

The exact meaning depends on context.

That is why a short Ukrainian sentence can look more compact than its English translation.

A rough pronunciation guide is:

Perekaz koshtiv maye komisiyu

More approximately:

• Переказ = pe-re-KAZ
• коштів = kosh-TEEV
• має = MA-ye
• комісію = ko-MEE-see-yu

A few notes:

• є in має sounds like ye
• їю in комісію may feel unfamiliar at first; it sounds roughly like see-yu
• stress is important in Ukrainian, especially for sounding natural

So the sentence sounds roughly like:

pe-re-KAZ kosh-TEEV MA-ye ko-MEE-see-yu