In this post, we will learn banking related Chinese words on how to open a bank account and perform other banking related activities in Mandarin Chinese. When you are in China or other Chinese speaking countries as a tourist or planning to live there, the bank is a place you need in a daily basis.
As a tourist, you need to go to the bank to exchange the currencies you need for your holiday. If you are stationed in China for work or studies, you are required to open a bank account for your daily needs. Learning banking related Chinese words is most essential.
Open a bank account in Mandarin Chinese
彼得：我想开一个银行户口 / 账户。（我想開一個銀行戶口 /賬戶。）
Bǐdé: Wǒ xiǎng kāi yī gè yín háng hù kǒu.
Pete: I would like to open an account.
银行：请问您想开一个什么户口？(請問您想開一個什麼戶口？)
Yínháng: Qǐng wèn nín xiǎng kāi yī gè shén me hù kǒu?
Bank: May I know what type of account would you like to open?
彼得： 活期户口 / 定期户口
Bǐdé: Huó qí hù kǒu/ dìng qí hù kǒu
Peter: current account / fixed account
When opening a bank account in Mandarin Chinese, the banking related Chinese words you need to remember are 开 kāi as in open and 户口 hù kǒu which means account. Thus, open a bank account in Chinese is 开户口 kāi hù kǒu.
Place deposit in the bank account in Mandarin Chinese
彼得：我想存一些美元。
Bǐdé: Wǒ xiǎng cún yī xiē měi yuán.
Peter: I want to deposit some US dollars.
银行：好的。您想存多少？
Yínháng: Hǎo de. Nín xiǎng cún duō shǎo?
Bank: Alright. How much would you like to deposit?
彼得：1000美元。
Bǐdé: 1000 Měi yuán.
Peter: 1000 dollars.
银行：请给我您的存折。(請給我您的存摺。)
Yínháng: Qǐng gěi wǒ nín de cún zhé.
Bank: Could I have your pass book please.
Open a fixed deposit account in Mandarin Chinese
彼得：我想开一个定期储蓄账户。请问现在的利率是多少？
彼得： (我想開一個定期儲蓄賬戶。請問現在的利率是多少？)
Bǐdé: Wǒ xiǎng kāi yī gè dìng qí chú xù zhàng hù. Qǐng wèn xiàn zài de lì lǜ shì duō shǎo?
Peter: I want to open a fixed deposit account. What is the interest rate now?
银行：定期存款利率是随着您的储蓄金额和存期而定。您要存多少钱，存多久？
銀行: (定期存款利率是隨著您的儲蓄金額和存期而定。您要存多少錢，存 多久？)
Yínháng: Dìng qí cún kuǎn lì lǜ shì suí zhe nín de chú xù jīn’é hé cún qī ér dìng.Nín yào cún duō shǎo qián, cún duō jiǔ?
Bank：The interest rate depends on the amount and the time period. How much and how long are you thinking to place the fixed deposit?
彼得：我要存一年期，存两万元人民币。(我要存一年期，存兩萬元人民幣。)
Bǐdé: Wǒ yào cún yī nián qí, cún liǎng wàn yuán rén mín bì.
Peter: One year and RMB20,000.
银行：那样的话，年利率是2.5%。麻烦您给我您的身份证。
銀行: (那樣的話，年利率是2.5%。麻煩您給我您的身份證。)
Yínháng: Nà yàng de huà, nián lì lǜ shì 2.5%. Má fan nín gěi wǒ nín de shēn fèn zhèng.
Bank: In that case, the interest rate is 2.5% per annum. Could you give me your identity card?
Exchange foreign currencies in Mandarin Chinese
彼得：我想把外币兑换成人民币。
Bǐdé: Wǒ xiǎng bǎ wài bì duì huàn chéng rén mín bì.
Peter: I want to change foreign currencies for RMB?
银行：请问您想兑换什么货币？
Yínháng: Qǐng wèn nín xiǎng duì huàn shén me huò bì?
Bank: What kind of currency do you want to change?
彼得：三百美元。今天美元换人民币怎么换？
Bǐdé: Sān bǎi měi yuán jīn tiān měi yuán huàn rén mín bì zěn me huàn?
Peter: 300 dollars. What’s today rate for USD against RMB?
银行：一百美元换684元人民币。
Yínháng: Yī bǎi měi yuán huàn 684 yuán rén mín bì.
Bank: RMB684 yuan per hundred US dollars.
Remittance in Mandarin Chinese
彼得：我要汇一笔钱到洛杉矶。(我要匯一筆錢到洛杉磯。)
Bǐdé: Wǒ yào huì yī bǐ qián dào luò shān jī.
Peter: I want to send money to LA.
银行：请问您想汇多少？(請問您想匯多少？)
Yínháng: Qǐng wèn nín xiǎng huì duō shǎo?
Bank: How much would you like to remit?
彼得：四百美元。
Bǐdé: Sì bǎi měi yuán.
Peter: 400 dollars.
银行：您要信汇还是电汇。(您要信匯還是電匯。)
Yínháng: Nín yào xìn huì hái shì diàn huì.
Bank: Do you want to remit by TT or MT.
彼得：电汇到洛杉矶的费用是多少？(電匯到洛杉磯的費用是多少？)
Bǐdé: Diàn huì dào luò shān ī de fèi yòng shì duō shǎo?
Peter: How much do you charge for a cable transfer to LA?
银行：电汇是二十元。服务费最低收费是二十元，最高为两百元。
銀行: (電匯是二十元。服務費最低收費是二十元，最高為兩百元。)
Yínháng: Diàn huì shì èr shí yuán fú wù fèi zuì dī shōu fèi shì èr shí yuán, zuì gāo wèi liǎng bǎi yuán.
Bank: Cable charge is RMB 20 Yuan. As for the handling commission, the minimum is RMB 20 Yuan and the maximum is RMB 200 Yuan.
Loss of credit card in Mandarin Chinese
彼得：我的信用卡要挂失。
Bǐdé: Wǒ de xìn yòng kǎ yào guà shī
Peter: I want to report a loss of my credit card.
银行：我已经取消了您的卡。(我已經取消了您的卡。)
Yínháng: Wǒ yǐjīng qǔxiāole nín de kǎ.
Bank: I have canceled the card for you.
彼得：多久可以拿到新卡。
Bǐdé: Duō jiǔ kě yǐ ná dào xīn kǎ.
Peter: How long will it take to have a new card?
银行：三天。我们会收您五十元的挂失费。(三天。我們會收您五十元的掛失費。)
Yínháng: Sān tiān. Wǒmen huì shōu nín wǔshí yuán de guàshī fèi
Bank: In three days. We will charge you RMB50 yuan for the report of your loss.
25 banking related phrases in Mandarin Chinese
1. 我想开一个银行户口 / 账户。
Wǒ xiǎng kāi yī gè yín háng hù kǒu/ zhàng hù.
2. 我想开个活期账户 / 定期账户。
Wǒ xiǎng kāi gè huó qí zhàng hù/ dìng qí zhàng hù.
3. 我想开个个人支票账户。
Wǒ xiǎng kāi gè gè rén zhī piào zhàng hù.
4. 我要换一些人民币。
Wǒ yào huàn yī xiē rén mín bì.
5.要什么票面？
Yào shén me piào miàn?
6.我想透支现金。
Wǒ xiǎng tòu zhī xiàn jīn.
7. 我要存钱。
Wǒ yào cún qián.
8. 我想取500美金。
Wǒ xiǎng qǔ 500 měi jīn.
9. 今天的汇率是多少？
Jīn tiān de huì lǜ shì duō shǎo?
10. 手续费是多少？
Shǒu xù fèi shì duō shǎo?
11. 自动提款机在哪儿？
Zì dòng tí kuǎn jī zài nǎ er?
12. 每天/月/次最多能取多少？
Měi tiān/yuè/cì zuì duō néng qǔ duō shǎo?
13. 挂失需要哪些程序？
Guà shī xū yào nǎ xiē chéng xù?
14. 汇款多久能到我的账上？
Huì kuǎn duō jiǔ néng dào wǒ de zhàng shàng?
15. 我的卡被吞了。
Wǒ de kǎ bèi tūn le.
16. 我忘了密码。
Wǒ wàng le mì mǎ.
17. 我的账号是123456。
Wǒ de zhàng hào shì 123456
18. 月底可以给我寄一份对账单吗？
Yuè dǐ kěyǐ gěi wǒ jì yī fèn duì zhàng dān ma?
19. 我要买300美元的旅游支票。
Wǒ yāo mǎi 300 měi yuán de lǚ yóu zhī piào.
20. 请帮我查一下账上余额好吗？
Qǐng bāng wǒ chá yī xià zhàng shàng yú é hǎo ma?
21. 这张存单什么时候到期？
Zhè zhāng cún dān shén me shí hòu dào qí?
22. 我可以用万事达卡兑换些钱吗？
Wǒ kě yǐ yòng wàn shì dá kǎ duì huàn xiē qián ma?
23. 我想租一个保管箱。
Wǒ xiǎng zū yī gè bǎo guǎn xiāng.
24. 请问贷款的年利率是多少？
Qǐng wèn dài kuǎn de nián lì lǜ shì duō shǎo?
25. 请在上面复签好吗？
Qǐng zài shàng miàn fù qiān hǎo ma?
Mandarin Chinese phrases in English
1. I want to open a bank account / account.
2. I want to open a current account / regular account.
3. I want to open a personal checking account.
4. I want to change some RMB.
5. What denominations would you like to have?
6. I want an overdraft.
7. I want to deposit money.
8. I want to take $500.
9. What is the exchange rate today?
10. What is the handling fee?
11. Where is the ATM machines?
12. What is the maximum amount per day/month/each time I can make a withdrawal?
13. What procedures are required for loss reporting?
14. How long does it take for remittances to be credited into my account?
15. The ATM has swallowed my card.
16. I have forgotten my password.
17. My account number is 123456.
18. Could you send me a bank statement at the end of the month?
19. I want to buy a $300 traveler’s check.
20. Could you help me check the remaining balance in my account?
21. What is the maturity date of this certificate?
22. Can I use the MasterCard to exchange some money?
23. I want to rent a safe deposit box.
24. What is the annual interest rate of the loan?
25. Please counter sign above?
Traditional Mandarin Chinese
1. 我想開一個銀行戶口 / 賬戶。
2. 我想開個活期賬戶 / 定期賬戶。
3. 我想開個個人支票賬戶。
4. 我要換一些人民幣。
5. 要什麼票面？
6. 我想透支現金。
7. 我要存錢。
8. 我想取500美金。
9. 今天的匯率是多少？
10. 手續費是多少?
11. 自動提款機在哪兒？
12. 每天/月/次最多能取多少？
13. 掛失需要哪些程序？
14. 匯款多久能到我的賬上？
15. 我的卡被吞了。
16. 我忘了密碼。
17. 我的賬號是123456
18. 月底可以給我寄一份對賬單嗎？
19. 我要買300美元的旅遊支票。
20. 請幫我查一下賬上餘額好嗎？
21. 這張存單什麼時候到期？
22. 我可以用萬事達卡兌換些錢嗎？
23. 我想租一個保管箱。
24. 請問貸款的年利率是多少？
25. 請在上面复簽好嗎？
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