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Glossary of Spanish Banking & Finance

Terms
Spanish English

A
Abonar credit (to account), To make a payment, Finance
Abrir una cuenta open an account
Acoger accept, receive
Acuerdo agreement
Acuse de recibo acknowledgement of receipt
Actuacin performance
Adquirencia Acquiring
Adquiridor Acquirer
Agotado sold out, depleted, out of stock
Ahorros savings
Alcance (m) scope
Almacenar store
Alta membership, registration, discharge
Ambas both
Amortizacin Amortization, "Repayment"
Amparada (tarjeta amparada) Relationship card in coorporate account
Anexos Annexes, attachments
Anotacin enter
Anular cancel
Apertura opening
Aplazamiento delay
Aprovechar Leverage
Archivo file
Armar arm, prepare
Asesor fiscal tax advisor
As Como the same way as / as well as
Atrasado overdue
Autorizar un descubierto grant an overdraft
Aval guarantee
Avalista guarantor
Aviso warning

B
Banco beneficiario receiving bank
Banco librador (cheque/taln) drawer's bank
Banco pagador remitting bank
Bancos banks
Basandose based
Beneficiario payee (individual)
Billete banknote
Bimoneda dual currency
Bloquear un cheque stop a cheque
Bloquear un pago stop payment
Borrar Delete
Brindar to provide
Bruto gross

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C
Cada each, every
Caja de ahorros savings bank
Caja de seguridad safe deposit box
Cajero cashier
Cajero automtico automatic teller machine (ATM)
Cambiar Euros a convert Euro into
Canal channel
Cancelar cancel
Cancelar' la cuenta Remit, Cancel the account
Canje Clearing, Exchange
Cantidad quantity, amount, sum, figure
Cantidad excedida excess amount
Capa de Producto Data base
Capacitacin training
Capital capital, principal
Caractersticas attributes
Carga load
Cargar en cuenta debit (to an account)
Cargo charge
Cartera (f) portfolio
Castigo/castigado penalty/penalized, punished, Charge off

Causa cause, consideration, purpose of entering a contract


Cerrar una cuenta close an account
Certificado de inversions transfer of funds certificate
Cheque (or taln) cheque
Cheque bancario banker's draft
Cheque cruzado crossed cheque
Cheque de propia plaza local bank cheque
Cheque de viaje traveller's cheque
Cheque fuera de plaza non-local bank cheque
Cheque sin fondos bounced cheque
Cifras figures
Cinta magntica magnetic strip
Clave key (access)
Cobranzas collections
Cobro collection, charge, charging, cashing, earning
Codeudor Cosigner, Guarantor
Cdigo code
Cdigo cuenta cliente account details
Cdigos de razn reason codes
Colocacin placing, placement, post employment, job
Colocar to place
Comercio Merchant, trade
Comisin Fee
Comisin de apertura opening fee
Comisin de gestin management fee
Comisin de mantenimiento maintenance fee
Compesar Offset
Compesacion Settlement
Comprar to buy, purchase
Comprobante voucher
Comunicaciones de movimientos account statements
Conceder un crdito give a credit
Conceder un prstamo grant a loan

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Conciliacin Conciliation
Consultar consult, inquire
Contabillidad accounting / general ledger
Contable (adj.) pertaining to accounting, countable
Contable (m) accountant, book keeper
Contablizar To count, accounting
Contigente (adj) contingent, incidental
Contrato contract
Contra Cargo Chargeback
Controversia Dispute
Convenio agreement, contract, settlement, deal bargain
Cooperativas de credito co-operative savings bank
Cotizacin quotation
Creacin creation
Crdito credit
Cronograma (cronogramas de pagos) timescale (payment schedule)
Cuenta (CTA) Account
Cuenta beneficiaria account to be credited
Cuenta bloqueada blocked account
Cuenta conjunta joint account
Cuenta contable General Ledger
Cuenta corriente Checking account
Cuenta de ahorro savings account
Cuenta de ahorro con talonario/cuenta corriente current account
Cuenta de euros de non-residente non-resident euro account
Cuenta de imposicin a plazo deposit account
Cuentas por Cobrar Accounts receivable
Cuenta sin movimientos dead account
Cuenta/libretas de ahorro savings account
Cuota installment, quota, share, payment, fee, allocation,
allotment.
Cuota anual annual fee, annual installment
Cuota de manejo service charge, membership fee
Cuota mensual monthly installment
Cupo (m) credit limit, quota, room
Cupo de avances cash credit limit

D
Dar un inters provide an interest rate
Datafono Terminal
Debito debit
Debito automatico Direct deposit
Deber to owe
Definitivamente/definitivo definitive, final
Depsito deposit
Depuracion purge
Desarrollo development
Desea un recibio? would you like a receipt?
Desembolsar withdraw
Desconsiderar disregard
Descubierto overdraft
Desglosar breakdown
Destinatario addressee
Deuda debt, Due
Deudor debtor
Devengar inters earn interest

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Devolucin return
Devolucin (f) devolution, return, refund, rebate
Devolver un prstamo pay back a loan
Da de pago payment date
Da laborable working day
Diagramacin Layout
Diferido deferred
Dinmica audit, auditing, auditing firm, dynamic movement
Disponible OTB (open-to-buy), available
Disponible de avances/Disponible de efectivo cash open-to-buy
Disponible de cuenta account open-to-buy
Disponibilidad availablity
Disposicin en cajero automtico ATM transaction
Disputa Dispute
Divisa foreign currency
Domiciliacin bancaria direct debit
Domiciliacin de pagos standing orders
Domiciliacin de recibos direct debit
Domicilio de correspondencia postal address
Domicilio fiscal fiscal address
Dorso back (of cheque)
Duplicado duplicate
Duracin duration

E
Efectivo cash
Efectuar effectuate, make, carry out, comply with
Embargo seizure
Embose Embossing
Emitir una tarjeta de crdito issue a credit card
Emisor Issuer
enterprise, business, company, firm, undertaking,
Empresa intention
Encabezado Heading, header
Endeudamiento (m) indebtedness, outstanding balance
Endeudarse get into debt
Enseanza teaching
Entidad domiciliadora payee, originator (entity)
Entregado dedicated
Entrevista interview
Esquema scheme
Estados account statements
Estandarizav to standardize
Estar en descubierto (to be) overdrawn
Exencin exemption, immunity
Exentar exempt
Exoneracin waive, exoneration, exemption, release, offer
Extender un cheque write out a cheque
Extra Cupo temporary credit limit
Extracto statement, file
Extracto de cuenta account statement
Extracto de saldo balance statement

F
Facturacin billing, invoicing
Facturando charging

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Fecha Date
Fecha de caducidad expiry date
Fecha de ciclo cycle date
Fecha de corte due date
Fecha de vencimiento maturity date, expiration date
Fecha limite de pago payment due date
Fecha operacin/valor date of operation/transaction
Fecha tope/limite deadline
Fecha valor value date
Fidelidad (programas de fidelidad) loyalty (loyalty program)
Fideicomiso trust fund
Fijo fixed
Financiacin Funding
Financiera (f) finance company
Flujograma Flowchart
fondo fondo
Forma de pago method of payment
Formulario (or impreso) form
Fraude Fraud
Franquicias scheme's, franchises
Frecuencia de pago frequency of payment

G
Gastos expenses
Generar generate
Giros en descubierto overdraft

H
Hacer un pago make a payment
Hasta un lmite up to a limit
Hipoteca mortgage
Homologar Homologate, link
Honorarios fees, honorariums

I
I.V.A. VAT (value added tax)
Importe amount
Impuesto tax
Impuesto sobre el Valor aadido (IVA) Value Added Tax (VAT)
Impuesto tax
Indemnizacin compensation
Ingresar enter, admit, input, deposit, pay, join
Ingresar en cuenta pay (into account)
Ingresar un cheque en la cuenta deposit a cheque in an account
Ingreso income, revenue, entry, admission, deposit, payment
Interbancarias (iniciadas por clientes de otros
bancos) Intrabank (initiated by clients from other banks)
Inquietudes Concerns
Inters interest
Inters fijo fixed interest
Inters nominal nominal interest
Inters variable variable interest
Intereses a nuestro favor debit interest
Intereses a su favor credit interest
Internas (desde cuentas del mismo banco) Internal (from accounts of the same bank)

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Introduzca su tarjeta, por favor insert your card, please
Inversin investment

J
Jerarqua Hierarchy
Justificante receipt (for confirmation)
Juridico legal

L
Librado (cheque/taln) payee (on cheques)
Libreta de ahorro savings book
Limite limit, credit limit
Limite de avances cash credit limit
Limite de credito credit limit
Liquidacion Settlement
Liquidar liquidate, settle
Lote batch

M
Manejo handling
Mantener to keep
Marca Privada Private Lable
Mximo maximum
Mapeo Mapping
Mayor (adj.) greater, bigger, older
Mayor (m) ledger
Mensual monthly
Mercado market
Meta goal, target, objective
Mnimo minimum
Modificar modify
Moneda currency
Monto amount, sum, total, quantity
Monto adeudado due amount
Mora delay, default, Delinquent
Mostrar to show
Movimientos (& de cuenta) transaction / flaw
Multa Fine, Fee

N
Nacional National, Domestic
Negociacin negotiation, bargaining, transaction, clearance
Negrilla Bold
Neto net
Nivel (nivel de cuenta / nivel de sistemas) level (account level / system level)
No abonado en cuenta uncredited
No funciona temporalmente Machine is temporarily out of order
No residente non-resident
Nmina salary
Notario notary
Notificar notify
Novedad update, newness
Nmero de acta certification number
Nmero de cheque cheque number

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Nmero de Identificacin Fiscal (N.I.F.) fiscal identity number

O
Oficina central (or sede) head office
Oficina principal main office (in major towns/cities)
Oficina branch, office
Oficinas de radicacion owning branch
Operacin con moneda extranjera foreign currency transaction
Operacin con tarjeta card operation
Orden (f) order, command
Orden (m) order, sequence
Orden de abono inward payment
Orden de compra purchase order
Orden de pago order for payment
Ordenante de transferencia remitter
Origen origin, source
Otras cantidades other amounts

P
Pagar al contado pay the account in full every month
Pagar con cheque pay by cheque
Pagar en metlico pay in cash
Pagar un cheque honour a cheque
Pagar una deuda settle a debt
Pago a cuenta payment on account of
Pago Fijo Fixed Payment
Pago tardo late payment
Paraso fiscal tax haven
Parametrizar set-up parameters
Paz y salvos Letter of good standing
Prdida loss
Periodico periodic
Persona fsica individual
Persona jurdica legal entity, for corporate card/accounts
Personas Fsicas physical person
Personas Morales moral person (company)
PIN PIN (personal identification number)
Plazo period, installment, term
Poblar Popular
Politica policy
Por Cuotas by installments/fees
Porcentaje percentage
Prstamos loans
Principal Capital (cuentas)
Productos financieros financial products
Profesin occupation
Provedor de realce Embossing provider/company
Provedor de empaque Packaging provider (sends out welcome packages, etc.)
Pruebas proof
Puesto de Control Checkpoint

R
Rango Range
Rastro de auditora audit trail
Realce Embossing

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Realizar carry out, realize, perform, sell, achieve, fulfill
Rebajar to reduce /lower
Recaudados collected
Recargo Surcharge
Recibo bill (for a transaction)
Reclamacin claim
Rectificacin correction
Red net, network
Redencion repayment, redemption
Reembolsar reimburse, repay, refund
Reexpedicin reissue
Referencia reference
Reintegro refund, repayment, restoration
Renovacin de tarjeta (renovacin de tarjeta) renewal (card renewal)
Reserva Circulante (de Garanta) Rolling Reserve
Resguardo pay-in slip
Residencia resident permit, residence
Residente resident
Retenciones income tax
Reverso Reversal

S
Sacar dinero cash withdrawal
Sacar dinero en ventanilla withdraw cash over the counter
Saldo balance
Saldo a favor credit balance
Saldo deudor debit balance
Saldo diario daily balance
Saldo promedio average balance
Seguimiento follow-up, tracking
Segunda residenca second home
Seguro safe, insurance
Semestre period of six months
Servicio al cliente customer service
Siniestro/fraude fraud
Sobregiro overlimit
Solicitud request
Solicitud de talonario new chequebook request
Spreadsheet Planilla
Sucursal (or oficina) branch
Supuesto assumption
Suscripcin subscription

T
Taln/cheque cheque
Talonario chequebook
Tambin also
Tarifa tariff, fee
Tarjeta de crdito credit card
Tarjeta de dbito debit card
Tarjetahabiente Cardholder
Teclear nmero de tarjeta key a number (into ATM)
Temporal temporary
Tipo de cambio exchange rate
Tipo de cambio de venta selling rate (for)
Tipo de inters interest rate

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Titular de cuenta account holder
Transferencia remittance, transfer
Transferir fondos transfer funds
Traspaso standing order
Traspaso a cuenta tarjeta transfer to credit card account
Trimestral quarterly
Tulas packages, bags

U
Ultimos movimientos latest/recent transactions
unidades de masivos courier
utility, usefulness, profit, interest, could be used as
Utilidad "earnings"
Vencido (adj) due, expired, in arrears, defeated

V
Vencimiento expiration, due date, maturity
Vinculacion Boarding, linking
Vigencia term, valid until
Vigente (adj.) inforce, valid, prevailing, current
Vivienda habitual principal home

W
Workshop Workshop

Tech Terms & Acronyms


Prueba de aceptacin de usuario User Acceptance Test UAT
Declaracion de Trabajo Statement of Work SOW
Pruebas de aceptacion de operacion Operation Acceptance Test OAT

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