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Business and Finance - Banking

Study terms related to bank accounts, deposits, withdrawals, cards, loans, interest, overdrafts, transfers, and banking institutions.

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Words Related to Business and Finance
banker
banker
[substantiv]

a person who possesses or has a high rank in a bank or any other financial institution

bancher, director de bancă

bancher, director de bancă

Ex: As a banker, she oversees the lending operations and financial services offered to clients. 

Ca bancher, ea supraveghează operațiunile de împrumut și serviciile financiare oferite clienților.

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banking
banking
[substantiv]

the management and handling of financial matters or transactions

bancar, sectorul bancar

bancar, sectorul bancar

Ex: The banking of financial matters is crucial for the success of any business enterprise. 

Bancarul afacerilor financiare este crucial pentru succesul oricărei întreprinderi comerciale.

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bank statement
bank statement
[substantiv]

a document given by a bank to an account holder, providing a summary of all financial transactions within a specified period

extras de cont, situație bancară

extras de cont, situație bancară

Ex: John reviewed his bank statement to reconcile his records with his monthly expenses. 

John a examinat extrasul de cont bancar pentru a-și reconcilia înregistrările cu cheltuielile lunare.

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automated teller machine

a machine that allows customers to perform financial transactions such as withdrawals, deposits, transfers, etc.

bancomat, automat bancar

bancomat, automat bancar

Ex: The bank installed a new ATM in the shopping mall. 

Banca a instalat un nou bancomat în centrul comercial.

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ATM card
ATM card
[substantiv]

a plastic card used to withdraw cash from automated teller machines

Ex: She used her ATM card to withdraw $200 from the machine. 
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account
account
[substantiv]

an arrangement according to which a bank keeps and protects someone's money that can be taken out or added to

cont, cont bancar

cont, cont bancar

Ex: John transferred money from his checking account to his investment account to buy stocks. 

John a transferat bani din contul său curent în contul său de investiții pentru a cumpăra acțiuni.

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bank account
bank account
[substantiv]

a financial arrangement between a person and a bank that allows them to put money in and take money out whenever they need to

cont bancar, cont la bancă

cont bancar, cont la bancă

Ex: She opened a new bank account to save for her future. 

Ea a deschis un nou cont bancar pentru a economisi pentru viitorul ei.

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current account
current account
[substantiv]

a bank account that allows frequent deposits and withdrawals, typically using checks, with no prior notice required

cont curent, cont la vedere

cont curent, cont la vedere

Ex: They offer free banking services with their current account. 

Ei oferă servicii bancare gratuite cu contul lor curent.

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deposit account
deposit account
[substantiv]

a bank account that holds funds for a fixed term or requires notice for withdrawal, often with interest penalties

Ex: She opened a deposit account with a 12-month fixed term to earn higher interest. 
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savings account
savings account
[substantiv]

a bank account that pays interest on one's deposited money and is intended to help one save over time

cont de economii, cont de economisire

cont de economii, cont de economisire

Ex: She transferred part of her salary into her savings account each month. 

Ea transfera o parte din salariu în contul de economii în fiecare lună.

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deposit
deposit
[substantiv]

money placed in a bank or financial institution

depozit, virament

depozit, virament

Ex: He made a deposit of $500 into his savings account. 

A efectuat un depozit de 500 de dolari în contul său de economii.

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withdrawal
withdrawal
[substantiv]

the act of taking money or capital out of a financial account

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to draw
to draw
[verb]

to withdraw funds from a financial institution or an account

retrage, extrage

retrage, extrage

Ex: Every month, he would draw a specific amount from his savings account to cover living expenses. 

În fiecare lună, retragea o sumă specifică din contul său de economii pentru a acoperi cheltuielile de trai.

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balance
balance
[substantiv]

the sum of money that is left in a bank account

sold, echilibru

sold, echilibru

Ex: After paying bills and expenses, she always checks her balance to ensure she has enough money left for savings. 

După ce plătește facturile și cheltuielile, verifică întotdeauna soldul pentru a se asigura că îi rămân suficienți bani pentru economii.

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cash
cash
[substantiv]

money in bills or coins, rather than checks, credit, etc.

bani lichizi, numerar

bani lichizi, numerar

Ex: He always keeps a little cash in his wallet for emergencies. 

El păstrează întotdeauna puțin numerar în portofel pentru urgențe.

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cash card
cash card
[substantiv]

a card used to withdraw cash from a bank account or via credit

Ex: She used her cash card to withdraw £50 from the ATM. 
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debit
debit
[substantiv]

an entry indicating an increase in assets or an expense, and a decrease in debts or income

debit, înregistrare debit

debit, înregistrare debit

Ex: The accountant recorded the purchase as a debit. 

Contabilul a înregistrat achiziția ca un debit.

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debit card
debit card
[substantiv]

a small plastic card we use to pay for what we buy with the money taken directly from our bank account

card de debit, card bancar

card de debit, card bancar

Ex: He uses his debit card to pay his monthly bills. 

El folosește cardul de debit pentru a-și plăti facturile lunare.

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direct debit
direct debit
[substantiv]

an arrangement where money is automatically taken from a bank account to pay bills or recurring expenses

debitare directă, plată automată

debitare directă, plată automată

Ex: She set up a direct debit to pay her electricity bill every month. 

Ea a setat o debitare directă pentru a-și plăti factura la electricitate în fiecare lună.

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credit
credit
[substantiv]

a system where a customer is given access to goods or services with the promise of paying later, often after an advance payment or agreement

credit, sold creditor

credit, sold creditor

Ex: The store offered her a credit balance that she could use to buy more items. 

Magazinul i-a oferit un sold de credit pe care îl putea folosi pentru a cumpăra mai multe articole.

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credit card
credit card
[substantiv]

a plastic card, usually given to us by a bank, that we use to pay for goods and services

card de credit, card bancar

card de credit, card bancar

Ex: He applied for a new credit card with a lower interest rate. 

A solicitat un nou card de credit cu o rată a dobânzii mai mică.

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savings
savings
[substantiv]

the amount of money that one has kept for future use, especially in a bank

economii, depozite

economii, depozite

Ex: She diligently set aside a portion of her income each month to contribute to her savings account. 

Ea punea diligent deoparte o parte din venitul ei în fiecare lună pentru a contribui la contul ei de economii.

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cash machine
cash machine
[substantiv]

an electronic device that enables individuals to perform financial transactions, such as withdrawing cash, without the need for human assistance

bancomat, automat de bani

bancomat, automat de bani

Ex: She went to the cash machine to withdraw some money. 

Ea s-a dus la bancomat să retragă niște bani.

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central bank
central bank
[substantiv]

a national monetary authority that issues currency, regulates credit, and manages bank reserves and government securities

Ex: The central bank raised interest rates to combat inflation. 
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check
check
[substantiv]

‌a printed form that we can write an amount of money on, sign, and use instead of money to pay for things

cec

cec

Ex: He received a check for the sale of his old car. 

A primit un cec pentru vânzarea vechii sale mașini.

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checkbook
checkbook
[substantiv]

a booklet of blank checks issued to a checking account holder

Ex: She wrote the rent check from her checkbook every month. 
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traveler's check
traveler's check
[substantiv]

a preprinted, fixed-amount check used as a form of payment while traveling, often replaceable if lost or stolen

cec de călătorie, cec călător

cec de călătorie, cec călător

Ex: She exchanged traveler's checks at the bank for local currency. 

Ea a schimbat cecuri de călătorie la bancă pentru monedă locală.

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commercial bank
commercial bank
[substantiv]

a financial institution that accepts deposits, provides loans, and offers general banking services to the public

Ex: She opened a checking account at a commercial bank near her office. 
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investment bank
investment bank
[substantiv]

a financial institution that provides advisory and capital-raising services for corporations and investors

Ex: The investment bank advised the company on its initial public offering. 
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to lend
to lend
[verb]

(of a bank or other financial institutions) to give someone a sum of money provided that they pay it back later, particularly with an additional amount added as interest

împrumuta, acorda un împrumut

împrumuta, acorda un împrumut

Ex: The bank agreed to lend him $50,000 to purchase a new car, with a fixed interest rate over five years. 

Banca a acceptat să îi împrumute 50.000 de dolari pentru achiziționarea unei mașini noi, cu o rată a dobânzii fixă pe cinci ani.

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lender
lender
[substantiv]

a person or entity that lends money to other people or organizations

creditor, entitate de împrumut

creditor, entitate de împrumut

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to borrow
to borrow
[verb]

to receive money from a person or institution with the obligation to repay it later

Ex: She borrowed $10,000 from the bank to start her business. 
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borrowing
borrowing
[substantiv]

the act of getting money from a person or an organization with the agreement to repay the borrowed amount along with any related interest or fees within a specified period

împrumut

împrumut

Ex: Many students rely on borrowing through student loans to finance their education and living expenses. 

Mulți studenți se bazează pe împrumut prin creditele studențești pentru a-și finanța educația și cheltuielile de trai.

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loan
loan
[substantiv]

a sum of money that is borrowed from a bank which should be returned with a certain rate of interest

împrumut, credit

împrumut, credit

Ex: She took out a loan to buy her first home, which she plans to repay over 30 years. 

A luat un împrumut pentru a-și cumpăra prima casă, pe care plănuiește să o ramburseze în 30 de ani.

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interest
interest
[substantiv]

the fee paid for borrowing money, calculated as a percentage of the loan amount over time

dobândă, rata dobânzii

dobândă, rata dobânzii

Ex: The bank charges 5% interest on personal loans. 

Banca percepe 5% dobândă pentru împrumuturile personale.

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overdraft
overdraft
[substantiv]

a deficit in a bank account caused by withdrawing more money than is available

descoperit de cont, depășirea limitei de credit

descoperit de cont, depășirea limitei de credit

Ex: The bank charged a fee for the overdraft on her account. 

Banca a perceput o taxă pentru descoperirea de cont pe contul ei.

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to take out

to get money from one's bank account

retrage, scoate

retrage, scoate

Ex: It's essential to take only what you need out to manage your expenses wisely. 

Este esențial să retragi doar ceea ce ai nevoie pentru a-ți gestiona cheltuielile înțelept.

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overdrawn
overdrawn
[adjectiv]

having withdrawn more money from a bank account than the available balance

Ex: The bank notified him that he was overdrawn by $150. 
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to transfer

to make a person or thing move from a place, situation, or person to another

transfera, muta

transfera, muta

Ex: The professor decided to transfer the student to a more advanced class. 

Profesorul a decis să transfere studentul într-o clasă mai avansată.

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