Spanish Phrases for Banking and Finance: Essential Terms for Everyday Transactions


Navigating banking and financial conversations in Spanish can feel overwhelming if you’re not fluent, but learning a core set of phrases makes everyday tasks much easier. Whether you’re opening an account, transferring money, applying for a loan, or discussing fees, these expressions will help you communicate clearly and confidently.

This guide provides practical Spanish phrases commonly used in banks, financial institutions, and online money-management interactions.

Basic Banking Vocabulary

  • Banco — Bank

  • Cuenta bancaria — Bank account

  • Depósito — Deposit

  • Retiro / retirada — Withdrawal

  • Saldo — Balance

  • Cajero automático (ATM) — ATM

  • Tasa de interés — Interest rate

  • Transferencia bancaria — Bank transfer

  • Tarjeta de débito / crédito — Debit / credit card

Phrases for Opening an Account

  • Quiero abrir una cuenta bancaria.
    I’d like to open a bank account.

  • ¿Qué documentos necesito?
    What documents do I need?

  • ¿Cuál es el saldo mínimo?
    What is the minimum balance?

  • ¿Hay algún cargo mensual?
    Are there any monthly fees?

Phrases for Deposits and Withdrawals

  • Quiero hacer un depósito.
    I want to make a deposit.

  • Necesito retirar dinero.
    I need to withdraw cash.

  • ¿Puedo depositar este cheque?
    Can I deposit this check?

  • ¿Cuánto tiempo tarda en procesarse el depósito?
    How long does the deposit take to process?

Phrases for Checking Balances and Transactions

  • ¿Cuál es el saldo de mi cuenta?
    What is my account balance?

  • Necesito un estado de cuenta.
    I need a bank statement.

  • Quiero revisar mis transacciones recientes.
    I want to review my recent transactions.

  • Hay un cargo que no reconozco.
    There’s a charge I don’t recognize.

Phrases for Transfers and Payments

  • Quiero hacer una transferencia bancaria.
    I want to make a bank transfer.

  • ¿Cuál es la comisión por transferencia?
    What is the transfer fee?

  • Necesito pagar una factura.
    I need to pay a bill.

  • ¿Puedo programar un pago automático?
    Can I set up automatic payments?

Phrases for Loans and Credit

  • Quiero solicitar un préstamo.
    I’d like to apply for a loan.

  • ¿Cuál es la tasa de interés?
    What is the interest rate?

  • ¿Cuáles son los requisitos?
    What are the requirements?

  • ¿Cuál es el plazo del préstamo?
    What is the term of the loan?

  • ¿Cómo puedo mejorar mi puntaje de crédito?
    How can I improve my credit score?

Phrases for Online and Mobile Banking

  • No puedo acceder a mi cuenta en línea.
    I can’t access my online account.

  • Necesito restablecer mi contraseña.
    I need to reset my password.

  • ¿Cómo activo las alertas por mensaje o correo?
    How do I enable text or email alerts?

  • Mi tarjeta fue rechazada.
    My card was declined.

Phrases for Reporting Problems or Fraud

  • Creo que mi tarjeta fue clonada.
    I think my card was cloned.

  • Necesito reportar actividad sospechosa.
    I need to report suspicious activity.

  • Perdí mi tarjeta.
    I lost my card.

  • Por favor bloquee mi cuenta inmediatamente.
    Please block my account immediately.

Final Tips

  • Speak slowly and clearly if you’re not confident in your Spanish.

  • Banks in Spanish-speaking countries often require more documentation—always check ahead.

  • If something seems unclear, use:
    ¿Puede explicarlo otra vez, por favor?
    Can you explain it again, please?


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