Glossary of Spanish Banking & Finance Terms
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Here is a comprehensive list of Spanish banking terminology - the words used
on documentation and statements from the bank - and a very comprehensive A
to Z of words encountered when opening an account or managing a
resident's or foreigner's bank account in Spain.
Spanish Banking Terminology
|
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 & 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 & 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 |
An A to Z of Useful Banking Terminology (ordered in English)
|
English |
Spanish |
|
account holder |
titular de cuenta |
|
account to be credited |
cuenta beneficiaria |
|
acknowledgement |
acuse de recibo |
|
addressee |
destinatario |
|
amount |
importe |
|
annual membership fee |
cuota anual |
|
ATM transaction |
disposición en cajero automático |
|
automatic teller machine (ATM) |
cajero automático |
|
B |
|
|
back (of cheque) |
dorso |
|
balance |
saldo |
|
banker's draft |
cheque bancario |
|
banknote |
billete |
|
beneficiary |
beneficiario |
|
bill (electricity / gas / water) |
recibo (luz / gas / agua) |
|
blocked account |
cuenta bloqueada |
|
bounced cheque |
cheque sin fondos |
|
branch |
sucursal (or oficina) |
|
business day |
día laborable |
|
C |
|
|
cancel |
anular |
|
card operation |
operación con tarjeta |
|
cash |
efectivo |
|
cashier |
cajero |
|
claim |
reclamación |
|
close an account |
cerrar una cuenta |
|
compensation |
indemnización |
|
contract |
contrato |
|
convert Euro into £ |
cambiar Euros a £ |
|
correction |
rectificación |
|
credit (to account) |
abonar |
|
credit |
crédito |
|
credit card |
tarjeta de crédito |
|
credit interest |
intereses a su favor |
|
crossed cheque |
cheque cruzado |
|
current account |
cuenta corriente |
|
customer service |
servicio al cliente |
|
charge |
cargo |
|
checking account (US) |
cuenta corriente |
|
cheque |
cheque (or talón) |
|
cheque number |
número de cheque |
|
chequebook |
talonario |
|
D |
|
|
dead account |
cuenta sin movimientos |
|
deadline |
fecha tope |
|
debit balance |
saldo deudor |
|
debit card |
tarjeta de débito |
|
debit interest |
intereses a nuestro favor |
|
debit (to an account) |
cargar en cuenta |
|
debt |
deuda |
|
debtor |
deudor |
|
deferred |
diferido |
|
delay |
aplazamiento |
|
deposit |
depósito |
|
deposit a cheque in an account |
ingresar un cheque en la cuenta |
|
direct debit |
domiciliación de recibos |
|
drawee |
banco librador (cheque/talón) |
|
drawer |
librador (cheque/talón) |
|
drawer's bank |
banco librador (cheque/talón) |
|
due date |
vencimiento |
|
duplicate |
duplicado |
|
duration |
duración |
|
E |
|
|
earn interest |
devengar interés |
|
electricity bill |
recibo de la luz |
|
excess amount |
cantidad excedida |
|
exchange rate |
tipo de cambio |
|
expenses |
gastos |
|
expiry date |
fecha de caducidad |
|
extend an overdraft |
autorizar un descubierto |
|
F |
|
|
financial products |
productos financieros |
|
fiscal address |
domicilio fiscal |
|
fiscal identity number |
Número de Identificación Fiscal (N.I.F.) |
|
foreign currency |
divisa |
|
foreign currency transaction |
operación con moneda extranjera |
|
form |
formulario (or impreso) |
|
frequency of payment |
frecuencia de pago |
|
G |
|
|
get into debt |
Endeudarse |
|
give a credit |
conceder un crédito |
|
grant a loan |
conceder un préstamo |
|
grant an overdraft |
autorizar un descubierto |
|
gross |
bruto |
|
guarantee |
aval |
|
guarantor |
avalista |
|
H |
|
|
head office |
oficina central (or sede) |
|
honour a cheque |
pagar un cheque |
|
I |
|
|
individual |
persona física |
|
instalment |
plazo |
|
interest |
Interés |
|
interest rate |
tipo de interés |
|
interview |
entrevista |
|
investment |
Inversión |
|
inward payment |
orden de abono |
|
issue a credit card |
emitir una tarjeta de crédito |
|
J |
|
|
joint account |
cuenta conjunta |
|
K |
|
|
key (access) |
clave |
|
key a number (into ATM) |
teclear número de tarjeta |
|
L |
|
|
latest/recent transactions |
últimos movimientos |
|
legal entity |
persona jurídica |
|
length |
duración |
|
local bank cheque |
cheque de propia plaza |
|
loss |
pérdida |
|
M |
|
|
magnetic strip |
cinta magnética |
|
main office (in major towns/cities) |
oficina principal |
|
maintenance commission |
comisión de mantenimiento |
|
make a payment |
hacer un pago |
|
make out a cheque |
extender un cheque |
|
management fee |
comisión de gestión |
|
maturity |
vencimiento |
|
maturity date |
fecha de vencimiento |
|
maximum |
máximo |
|
method of payment |
forma de pago |
|
minimum |
mínimo |
|
modify |
modificar |
|
monthly instalment |
cuota mensual |
|
mortgage |
hipoteca |
|
N |
|
|
net |
neto |
|
new chequebook request |
solicitud de talonario |
|
nominal interest |
interés nominal |
|
non-local bank cheque |
cheque fuera de plaza |
|
non-resident |
no residente |
|
notary |
notario |
|
notify |
notificar |
|
O |
|
|
occupation |
profesión |
|
open an account |
abrir una cuenta |
|
opening commission |
comisión de apertura |
|
order for payment |
orden de pago |
|
originator |
entidad domiciliadora |
|
outgoings |
gastos |
|
overdraft |
descubierto |
|
(to be) overdrawn |
estar en descubierto |
|
overdue |
atrasado |
|
P |
|
|
pay (into account) |
ingresar en cuenta |
|
pay back a loan |
devolver un préstamo |
|
pay by cheque |
pagar con cheque |
|
pay in cash |
pagar en metálico |
|
pay the account in full every month |
pagar al contado |
|
payee (individual) |
beneficiario |
|
payee (entity) |
entidad domiciliadora |
|
payee (on cheques) |
librado (cheque/talón) |
|
pay-in slip |
resguardo |
|
payment date |
día de pago |
|
payment on account of |
pago a cuenta |
|
percentage |
porcentaje |
|
PIN (personal identification number) |
PIN |
|
postal address |
domicilio de correspondencia |
|
price list |
tarifa |
|
provide an interest rate |
dar un interés |
|
purchase order |
orden de compra |
|
put a stop on a cheque |
bloquear un cheque |
|
put a stop on a payment |
bloquear un pago |
|
Q |
|
|
quarterly |
trimestral |
|
quotation |
cotización |
|
R |
|
|
receipt (for confirmation) |
Justificante |
|
receipt (for a transaction) |
recibo |
|
receiving bank |
banco beneficiario |
|
reference |
referencia |
|
refund |
reembolso |
|
reimburse |
reembolsar |
|
remittance |
transferencia |
|
remitter |
ordenante de transferencia |
|
remitting bank |
banco pagador |
|
repay |
reembolsar |
|
repayment |
reembolso |
|
request |
solicitud |
|
resident |
residente |
|
return |
devolución |
|
S |
|
|
safe deposit box |
caja de seguridad |
|
salary |
nómina |
|
savings |
ahorros |
|
savings account |
cuenta de ahorro |
|
savings bank |
caja de ahorros |
|
savings book |
libreta de ahorro |
|
seizure |
embargo |
|
selling rate (for) |
tipo de cambio de venta |
|
settle a debt |
pagar una deuda |
|
standing order |
traspaso |
|
statement (of account) |
extracto de cuenta |
|
stop a cheque |
bloquear un cheque |
|
stop payment |
bloquear un pago |
|
subscription |
suscripción |
|
T |
|
|
take out money |
sacar dinero |
|
tariff |
tarifa |
|
tax |
impuesto |
|
temporary |
temporal |
|
term |
plazo |
|
transfer |
transferencia |
|
transfer funds |
transferir fondos |
|
transfer to credit card account |
traspaso a cuenta tarjeta |
|
traveller's cheque |
cheque de viaje |
|
U |
|
|
uncredited |
no abonado en cuenta |
|
up to a limit |
hasta un límite |
|
V |
|
|
value date |
fecha valor |
|
VAT (value added tax) |
I.V.A. |
|
voucher |
comprobante |
|
W |
|
|
warning |
aviso |
|
withdraw cash over the counter |
sacar dinero en ventanilla |
|
withdrawal |
reintegro |
|
working day |
día laborable |
|
write out a cheque |
extender un cheque |
Further Information
A to Z prepared by Duncan Chuter, International Business
Development Manager with Barclays Bank S.A. Spain
Barclays
Bank S.A. Spain website
Contact the bank by e-mail: Click
here
Copyright © 2008 Duncan Chuter, Barclays Bank S.A. Spain All Rights Reserved
