Useful words in Spanish and English, to do with banking…
Here is a comprehensive list of Spanish banking terminology – the words used on documentation and statements from the bank – encountered when opening an account or managing a resident’s or foreigner’s bank account in Spain.
| General terms | |
|---|---|
| Bancos | banks |
| Cajas de ahorros | savings banks |
| Cooperativas de credito | co-operative savings bank |
| Cuenta de euros de non-residente | non-resident euro account |
| Certificado de inversions | transfer of funds certificate |
| Residencia | resident permit |
| Cuenta de ahorro con talonario/cuenta corriente | current account |
| Talón/cheque | cheque |
| Oficina | branch |
| Banking and statement terms | |
| Código cuenta cliente | account details |
| Debe | debit |
| Haber | credit |
| Fecha operación/valor | date of operation/transaction |
| Saldo | balance |
| Estados | account statements |
| Comunicaciones de movimientos | account statements |
| Cuenta/libretas de ahorro | savings account |
| Cuenta de imposición a plazo | deposit account |
| Domiciliación de pagos | standing orders |
| Domiciliación bancaria | direct debit |
| Filling out a cheque | |
| Páguese a | payee |
| Número de cuenta | account number |
| En letras | in words |
| Al portador | to the bearer |
| Fecha | date |
| Using an ATM (automatic teller machine) | |
| Tarjeta de débito | debit card |
| Introduzca su tarjeta, por favor | insert your card, please |
| No funciona temporalmente | Machine is temporarily out of order |
| Anotación | enter |
| Borrar | error |
| Saldo | balance enquiry |
| Extracto de saldo | statement enquiry |
| Sacar dinero | cash withdrawal |
| Otras cantidades | other amounts |
| ¿Desea un recibio? | Would you like a receipt? |
| Cancelar | cancel |
| Other terminology | |
| Declaración substitativo de impago | notarial protest |
| Declaración equivalente | notarial protest |
| Denuncia | police report |
| Letra de cambio | bill of exchange |
| Letra protestada | bill of exchange protest |
| Offshore banking and tax terms | |
| Paraíso fiscal | tax haven |
| Préstamos | loans |
| Giros en descubierto | overdraft |
| Vivienda habitual | principal home |
| Segunda residencía | second home |
| Interés variable | variable interest |
| Interés fijo | fixed interest |
| Hojas vinculantes | interest rates |
| Impuesto | tax |
| Contable | accountant |
| Asesor fiscal | tax advisor |
| Impuesto sobre el Valor añadido (IVA) | Value Added Tax (VAT) |
| Retenciones | income tax |
