The Language of Banking 2A

Nadawać się do czegoś

• it means that you are the right kind of person to have something, for example, because you are the right age or you have enough money

Saldo

• the amount of money that you have got in your bank account

Wyciąg bankowy

• a document that your bank sends to you. It tells you when you deposited money, when you withdrew money and how much you have in the account at the moment

Opłaty bankowe

• payments that you have to make to the bank for using your bank account

Opłata

• a payment that you have to make to a professional person to do something for you

Przelać gotówkę

• cash you move it electronically from one bank account to another

Wypłacić pieniądze

• to take money out of a bank account

Rachunek bieżący

• a bank account that you can use at any time. It is called a checking account in the USA

Rachunek

• a demand for payment for goods or services you have received

Wpłać pieniądze

• to put money into a bank account

Wystawić czek

• you give a cheque to someone and you validate it by signing it

Przekroczenie konta bankowego

• the amount of money you can take out of the bank even though your account does not have that much money in it

Wnioskodawca

• a person who wants to ask for something like a job or a bank account

Bankomat/sieć bankomatów

• the machines that give money to bank customers (Automated Telling Machines). In the UK an ATM is called a cashpoint

Płatność automatyczna

• a payment that your bank will make every week or every month without needing your permission to do it each time

Prosty

• simple and easy to understand

Zależnie od statusu

• depending on your age or how much money you have, for example

Chip i PIN

• the system of security for using cards which contain a microchip. You have to put your card into a machine and then enter your secret Personal Identification Number (PIN)

Aby coś potwierdzić

• to make something legally acceptable

Kredyt

• an amount of money paid into a bank account

Obciążenie

• an amount of money that goes out of a bank account

Dochód

• a word for all the money that you recive from your salary or from other things. It could be every month or every year

Wydatki

• a word for all of the money you spend. It could be every month or every year

Pożyczać

• a verb which means that you give something (often money) to someone else for a period of time. They must give it back to you

Pożyczyć

• a verb which means that you take something (often money) from someone else for a period of time. You must give it back to them

Być winnym

• to have to pay some money to someone else

Dług

• A general word for money which you owe to someone else

Być w czerwonym

• the colour we say your bank account is in if you spend more money from your account than you have in it

Być w czarnym

• the colour we say your bank account is in if it has some money in it

Otrzymaj coś w ciągu pewnego czasu

Zmień numer PIN w dowolnym bankomacie

Kwalifikuje się do szerokiego zakresu usług

Sprawdź saldo w dowolnym bankomacie

Zamów walutę obcą w dowolnym oddziale

Jestem zadowolony ze swojego konta

Co to jest numer konta?

• It is a personal number that identifies your bank account. No one else has the same number

Co to jest oddział banku?

• It is a local office or bureau of your bank

Co to jest waluta obca?

• Each country has its own currency. It is the money in coins and notes that people use in that country

Co to jest bankomat?

• It is a machine that is often outside a bank. It will give you money from your current account if you put in your debit card and then enter your PIN number

Co to jest karta debetowa?

• It is a card that allows you to withdraw cash from your current account or pay for goods or services electronically by taking money out of your current account

Co to jest debet?

• It is an amount of money that you owe to the bank because you withdraw more from your current account than you have in it

Co to jest pożyczka?

• It is an amount of money that you borrow from the bank for an agreed period of time

Co oznacza „wydrukuj saldo”?

• It means to look at how much money you have in your bank account and receive a piece of paper showing that amount. You can do this at the bank's ATM machines

Co oznacza „wykonywanie przelewów bankowych”?

• It means to move money electronically from one bank account into another bank account

Czym są odsetki?

• It is the amount of money that a bank charges you for a loan or overdraft. We also pay interest to you on any money you save at our bank

Co to jest numer PIN?

• It is your personal identification number. This allows you to use your debit card at any ATM, or to pay for things with your debit card. You must never tell anyone else this number

Menadżer konta

Biznes

Konto oszczędnościowe

Stopy procentowe

Karta kredytowa

Historia kredytowa

Zaleganie z pożyczkami

Kradzież tożsamości

Wpływy kasowe

Pożyczający

Pożyczający

Bezpieczeństwo

Nieruchomość

Stan cywilny

Suma

Raty

Proces

Autoryzować

Ujawniać

Zatwierdzić

Notyfikować

Ująć

Odpłacić,

Anulować

Długi

• Arrears means money that someone owes to someone and they promised to pay it back by a certain date but didn't. For example, in January, Harry took out a loan and agreed to pay it back in monthly instalments. Each instalment must be paid on the first day of every month. Each instal- ment is £100. If Harry doesn't pay on 1 February he has arrears of £100. If he doesn't pay again on 1 March, he has arrears of £200.

• How are arrears different from debt?

• Debt is not necessarily a bad thing. Most people have debt. Arrears are always a bad thing. It means you are not paying back your debt on the agreed date

Narastać

• Accrue means to grow or accumulate. We use the word accrue to talk about accumulating interest. In our example, if Harry did not pay his monthly instalments in February or March he now has arrears of £200. Interest is accruing on the arrears at a rate of 15%