Spanish banking words: 25 words for accounts, cards and Bizum

🇪🇸 SpanishB125 words

Opening an account, paying bills and sending a Bizum all have their own vocabulary. This list covers banks, cards, transfers, receipts and household bills, with examples from everyday money matters in Spain.

Where you will use it: Bank accounts, cards, bills and payments in Spain.

Spanish words for banking and money — The word list

Meanings and translations are in English.

Spanish	Meaning and example
Bizum	Mobile payment service used in Spain.“¿Os envío mi parte por Bizum?”Shall I send you my share via Bizum?
la transferencia	Bank transfer.“He hecho la transferencia esta mañana.”I've made the bank transfer this morning.
el recibo	Bill; payment receipt.“El recibo de la luz ha llegado hoy.”The electricity bill has arrived today.
domiciliar	To set up payment by direct debit.“Quiero domiciliar los recibos de internet.”I want to pay the internet bills by direct debit.
la cuenta bancaria	Bank account.“Necesito abrir una cuenta bancaria aquí.”I need to open a bank account here.
la tarjeta de débito	Debit card.“Pago con tarjeta de débito normalmente.”I normally pay by debit card.
la tarjeta de crédito	Credit card.“Revisad las condiciones de vuestra tarjeta de crédito.”Check the terms of your credit card.
el cajero automático	Cash machine; ATM.“Hay un cajero automático junto al mercado.”There's a cash machine next to the market.
el efectivo	Cash.“¿Puedo pagar en efectivo esta compra?”Can I pay for this purchase in cash?
el saldo	Account balance.“Compruebo el saldo desde el móvil.”I check my balance on my mobile phone.
el ingreso	Deposit; incoming payment.“He hecho un ingreso en mi cuenta.”I've made a deposit into my account.
la retirada de efectivo	Cash withdrawal.“Esta retirada de efectivo aparece dos veces.”This cash withdrawal appears twice.
la comisión	Bank fee; commission.“¿Cobra el banco comisión por esta operación?”Does the bank charge a fee for this transaction?
el interés	Interest.“El interés depende de las condiciones del préstamo.”The interest depends on the loan terms.
el préstamo	Loan.“Estamos comparando las condiciones de varios préstamos.”We're comparing the terms of several loans.
la hipoteca	Mortgage.“Pagamos la hipoteca a principios de mes.”We pay the mortgage at the beginning of the month.
el ahorro	Saving; savings.“El ahorro mensual nos ayuda con los imprevistos.”Monthly saving helps us with unexpected expenses.
el presupuesto	Budget.“Nuestro presupuesto incluye todos los gastos fijos.”Our budget includes all fixed expenses.
el gasto	Expense; spending.“Apunto cada gasto en una hoja de cálculo.”I record each expense in a spreadsheet.
el IBAN	International bank account number.“Comprueba el IBAN antes de confirmar la transferencia.”Check the IBAN before confirming the transfer.
el titular / la titular	Account holder.“La titular debe autorizar esta operación.”The account holder must authorise this transaction.
la sucursal	Bank branch.“Mi sucursal está al lado del mercado.”My branch is next to the market.
el extracto bancario	Bank statement.“He descargado el extracto bancario de este mes.”I've downloaded this month's bank statement.
el cargo	Charge; debit.“No reconozco este cargo en mi cuenta.”I don't recognise this charge on my account.
la devolución	Refund; return of a payment.“La devolución ya aparece en mi cuenta.”The refund already shows in my account.

Tips for learning Spanish words

Learn the article with the nounWrite el billete or la cuenta, not just the noun: the article tells you the gender, and adjectives agree with it.
Say every example aloudSpanish is spelled almost exactly as it sounds. Play the audio, then read the example aloud — it trains your ear and your pronunciation at once.
Type the accentsIn WordNest a missing accent counts as a mistake. Typing está, mañana and también correctly from the start saves relearning them later.

Spanish as spoken in Spain

Spanish is spoken in more than twenty countries, and everyday words differ between them: a car is a coche in Spain and a carro in much of Latin America, a phone is a móvil rather than a celular. These lists follow Spain's usage — vosotros, coger el tren, el ordenador — and WordNest's examples, audio and AI corrections use the same standard. You will still be understood everywhere.

Add five or six of these words a day rather than the whole list at once, keep the example sentence on the card, and review them when they come due. WordNest schedules each word across seven growing intervals — same day, then 1, 3, 7, 14, 30 and 60 days — so the list is still with you months later. Read how spaced repetition works if you want the reasoning behind those numbers.

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Questions about this list

Is this Spanish from Spain or Latin America?

Spanish as spoken in Spain. Where Latin America usually uses a different word, the list gives the Spain one — for example coche instead of carro — but every word is understood across the Spanish-speaking world.

How do I practise Spanish words for banking and money?

Start with five words, listen and say each example aloud. Then recall the Spanish word from its English meaning and review it over several days.

How many words are in this list?

This list contains 25 words and phrases with English meanings and example sentences. It is a starting set, not a complete course.

Study these words with spaced repetition

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