Ngân hàng phát hành thẻ và gửi thông báo giao dịch.

The sentence follows a very common Vietnamese pattern:

Subject + Verb 1 + Object 1 + và + Verb 2 + Object 2

Here:

• Ngân hàng = subject
• phát hành = verb
• thẻ = object
• và = and
• gửi = second verb
• thông báo giao dịch = second object

So the bank is doing two actions:

1. phát hành thẻ = issue cards
2. gửi thông báo giao dịch = send transaction notifications

The subject Ngân hàng applies to both verbs.

Vietnamese usually does not use articles like English the or a/an.

So:

• ngân hàng can mean the bank, a bank, or just banks in a general sense
• thẻ can mean a card, the card, or cards
• thông báo giao dịch can mean a transaction notification, the transaction notification, or transaction notifications

You figure that out from context.

That is very normal in Vietnamese.

By itself, thẻ does not clearly show singular or plural.

So phát hành thẻ could mean:

• issue a card
• issue cards
• issue the card

In many practical contexts, English will translate it as cards because that sounds more natural, but Vietnamese often leaves number unspecified unless it matters.

If the speaker wants to be more specific, they can add words like:

• một thẻ = one card
• các thẻ = cards
• những thẻ = cards

Because Vietnamese, like English, does not need to repeat the subject when the same subject does both actions.

So:

• Ngân hàng phát hành thẻ và gửi thông báo giao dịch.

means:

• The bank issues cards and sends transaction notifications.

Just like in English, you would not normally say:

• The bank issues cards and the bank sends transaction notifications.

unless you want extra emphasis.

Phát hành is a formal verb that often means issue, publish, or release, depending on context.

In this sentence:

• phát hành thẻ = issue cards

This is a very natural collocation in banking and business Vietnamese.

You may also see phát hành with things like:

• phát hành sách = publish books
• phát hành vé = issue tickets
• phát hành cổ phiếu = issue shares

So the core idea is to officially produce or issue something for use or distribution.

It means send a transaction notification or send transaction notifications.

Break it down like this:

• gửi = send
• thông báo = notification / notice / announcement
• giao dịch = transaction

So thông báo giao dịch is a noun phrase meaning something like:

• transaction notification
• notification of a transaction

In banking, this usually means a message telling the customer that a transaction happened.

No. In this sentence, giao dịch is a noun, not a verb.

• thông báo = notification
• giao dịch = transaction

Together, giao dịch modifies thông báo, so it functions like a noun modifier:

• thông báo giao dịch = transaction notification

This is very common in Vietnamese: one noun can directly modify another noun without needing a word like of.

Compare:

• thẻ ngân hàng = bank card
• tin nhắn xác nhận = confirmation message
• lịch học = class schedule / study schedule

Vietnamese often does not mark tense directly on the verb.

So:

• phát hành
• gửi

do not change form for present, past, or future.

The time is usually understood from:

1. context
2. time words
3. aspect markers

In isolation, this sentence sounds like a general present statement or a description of what the bank does.

If you want to make the time clearer, you could add words like:

• đã = past
• đang = currently/in progress
• sẽ = future

Examples:

• Ngân hàng đã phát hành thẻ và gửi thông báo giao dịch.
  The bank issued cards and sent transaction notifications.

• Ngân hàng sẽ phát hành thẻ và gửi thông báo giao dịch.
  The bank will issue cards and send transaction notifications.

Yes, và is the standard word for and in this kind of sentence.

It connects:

• two nouns,
• two verbs,
• two clauses,
• or larger sentence parts.

Here it connects two verb phrases:

• phát hành thẻ
• gửi thông báo giao dịch

So và is completely natural.

In casual speech, Vietnamese sometimes omits connectors when the meaning is obvious, but in a clear written sentence, và is the normal choice.

No, not in this sentence.

Ngân hàng specifically means bank as a financial institution.

The word for a river bank is different, such as:

• bờ sông = riverbank

So here ngân hàng clearly means the financial bank.

Yes, it sounds fairly formal and business-like.

That is because of words like:

• ngân hàng = bank
• phát hành = issue
• gửi thông báo giao dịch = send transaction notifications

This kind of sentence would fit well in:

• banking information
• app instructions
• policy documents
• customer service messages
• official descriptions of banking services

It is not unnatural in everyday speech, but it definitely sounds more professional than casual conversation.

Yes, in many real banking contexts, transaction alert is a very natural English translation.

Literal meaning:

• thông báo giao dịch = transaction notification

But depending on the situation, English might use:

• transaction alert
• transaction notice
• notification about a transaction

So transaction alert can be a good practical translation, especially if the bank is sending automatic messages after card use.

A rough pronunciation guide is:

• Ngân hàng ≈ nguhn hahng
• phát hành ≈ faht hahnh
• thẻ ≈ teh with a dipping/glottal tone
• và ≈ vah
• gửi ≈ somewhat like goo-ee with a complex vowel and tone
• thông báo giao dịch ≈ thawng bao zao zeek or yaw zeek, depending on dialect

A few important notes:

• Vietnamese pronunciation varies by region, especially for sounds like d / gi / r
• tones matter a lot
• English-style spelling approximations are only rough

If you are learning this sentence, it is better to listen to a native speaker or audio recording than rely only on English sound approximations.