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Bank related words

Posted on June 2, 2022August 3, 2026 by tiffany

Table of Contents

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  • Open an account開戶开户
    • Types of accounts
    • Sentences you may hear
    • Sentences you may need
  • Deposit, withdraw and transfer存款、提款、轉帳存款、提款、转帐
    • Sentences you may hear
    • Sentences you may need
  • Exchange money換匯换汇
    • Sentences you may hear
    • Sentences you may need
  • Credit card信用卡
    • Sentences you may hear
    • Sentences you may need
  • Others其他
  • Opening an account as a foreigner外國人開戶須知外国人开户须知
  • Mobile payments & digital banking行動支付行动支付
  • Where to open an account在哪裡開戶在哪里开户
    • In Taiwan
    • In mainland China

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Bank Related Words — A Foreigner’s Vocabulary Guide
OneDotDot Chinese · Vocabulary Guide

Bank Related Words銀行相關用語银行相关用语

Opening an account, moving money, and reading a card statement — the vocabulary for a Taiwanese bank counter, with what to expect as a foreigner.

Bank related words in Chinese

Most of a bank visit is paperwork and a short conversation at the counter — knowing a dozen key phrases gets you through almost all of it.

01

Open an account開戶开户

  • Taiwanese ID holders — a personal ID card plus a second form of ID, such as a driving license.
  • Foreigners — your Alien Resident Certificate (ARC) and passport.
  • Sometimes required — a personal seal (印章) — not every bank asks for one, but it’s worth asking in advance.
銀行
Yínháng
Bank
櫃檯柜台
Guìtái
Counter
開戶开户
Kāihù
Open an account
帳戶帐户
Zhànghù
Account
護照护照
Hùzhào
Passport
身份證身份证
Shēnfènzhèng
ID card
印章
Yìnzhāng
Personal seal / chop

Types of accounts

General account一般帳戶一般帐户yībān zhànghù
Foreign currency account外幣帳戶外币帐户wàibì zhànghù
Savings account儲蓄帳戶储蓄帐户chúxù zhànghù
Current / demand deposit活存帳戶活存帐户huócún zhànghù
Fixed / time deposit定存帳戶定存帐户dìngcún zhànghù

Sentences you may hear

Staff says

你nǐ想開xiǎng kāi什麼樣的shénme yàng de帳戶zhànghù? 你nǐ想开xiǎng kāi什么样的shénme yàng de帐户zhànghù?

What kind of account would you like to open?
Staff says

我可以wǒ kěyǐ看一下kàn yíxià你的nǐ de證件zhèngjiàn嗎ma? 我可以wǒ kěyǐ看一下kàn yíxià你的nǐ de证件zhèngjiàn吗ma?

Do you have any ID with you?
Staff says

我需要wǒ xūyào你的nǐ de印章yìnzhāng。 我需要wǒ xūyào你的nǐ de印章yìnzhāng。

I need your seal, please.
Staff says

麻煩máfán先xiān填寫tiánxiě這張zhè zhāng表格biǎogé。 麻烦máfan先xiān填写tiánxiě这张zhè zhāng表单biǎodān。

Please fill in this form first.
Staff says

你要nǐ yào提款卡tíkuǎn kǎ跟gēn支票簿zhīpiào bù嗎ma? 你要nǐ yào提款卡tíkuǎn kǎ跟gēn支票簿zhīpiào bù吗ma?

Would you like to have an ATM card and a checkbook?
Staff says

儲蓄帳戶chúxù zhànghù需要xūyào最低zuìdī1,000 元的yuán de存款cúnkuǎn。 储蓄帐户chúxù zhànghù需要xūyào最低zuìdī1,000 元的yuán de存款cúnkuǎn。

The minimum deposit is NT$1,000 for a savings account.
Note — Taiwan and mainland China use two different words for “form” here: Taiwan says 表格 (biǎogé), mainland China says 表单 (biǎodān) — not just a script difference, a genuinely different word.

Sentences you may need

You say

我想wǒ xiǎng在zài你們銀行nǐmen yínháng開戶kāihù。 我想wǒ xiǎng在zài你们银行nǐmen yínháng开户kāihù。

I’d like to open an account at your bank.
You ask

每次měi cì提領tí lǐng有沒有yǒu méiyǒu手續費shǒuxù fèi? 每次měi cì提领tí lǐng有没有yǒu méiyǒu手续费shǒuxù fèi?

Is there a transaction fee every time I withdraw?
You ask

你們的nǐmen de活期存款huóqí cúnkuǎn利率lìlǜ是多少shì duōshǎo? 你们的nǐmen de活期存款huóqí cúnkuǎn利率lìlǜ是多少shì duōshǎo?

What’s your interest rate for a checking account?
Transaction fee手續費手续费shǒuxù fèi
Interest rate利率lìlǜ
Compound interest複利复利fùlì
02

Deposit, withdraw and transfer存款、提款、轉帳存款、提款、转帐

存錢存钱 / 存款
Cún qián / cúnkuǎn
Deposit
提錢提钱 / 提款
Tí qián / tí kuǎn
Withdraw
餘額余额
Yú’é
Balance
轉帳转帐 / 匯款汇款
Zhuǎnzhàng / huìkuǎn
Wire transfer
提款機提款机
Tíkuǎn jī
ATM
提款密碼提款密码
Tíkuǎn mìmǎ
PIN number
存摺存折
Cúnzhé
Passbook
支票
Zhīpiào
Check
兌現兑现支票
Duìxiàn zhīpiào
Cash the check
旅行支票
Lǚxíng zhīpiào
Traveler’s check

Sentences you may hear

Staff says

我們wǒmen酌收zhuó shōu200 元yuán匯款huìkuǎn手續費shǒuxù fèi。 我们wǒmen酌收zhuó shōu200 元yuán汇款huìkuǎn手续费shǒuxù fèi。

There is a service charge of NT$200 for wiring the money.
Staff says

你要nǐ yào什麼shénme面額miàn’é? 你要nǐ yào什么shénme面额miàn’é?

How would you like that? (e.g. two NT$100 bills or four NT$50s)
Note — 面額面额 (miàn’é) means “denomination” — which bill sizes you want your cash broken into.

Sentences you may need

You ask

你們nǐmen有yǒu跨行kuà háng轉帳zhuǎnzhàng的服務de fúwù嗎ma? 你们nǐmen有yǒu跨行kuà háng转帐zhuǎnzhàng的服务de fúwù吗ma?

Do you offer an interbank transfer service?
You say

我要wǒ yào匯款huìkuǎn到dào台灣táiwān。 我要wǒ yào汇款huìkuǎn到dào台湾táiwān。

I would like to make a remittance to Taiwan.
You say

我要wǒ yào存錢cún qián。 我要wǒ yào存钱cún qián。

I’d like to make a deposit.
You say

我要wǒ yào從cóng我wǒ存款帳戶cúnkuǎn zhànghù提tí1000 元yuán。 我要wǒ yào从cóng我wǒ存款帐户cúnkuǎn zhànghù提tí1000 元yuán。

I would like to withdraw NT$1,000 from my savings account.
03

Exchange money換匯换汇

Exchange rate匯率汇率Huìlǜ

Sentences you may hear

Staff asks

請問qǐngwèn你要nǐ yào兌換duìhuàn甚麼shénme貨幣huòbì? 请问qǐngwèn你要nǐ yào兑换duìhuàn什么shénme货币huòbì?

What would you like to exchange?

Sentences you may need

You ask

你能nǐ néng幫我bāng wǒ將jiāng新台幣xīn táibì換成huàn chéng美金měijīn嗎ma? 你能nǐ néng帮我bāng wǒ将jiāng新台币xīn táibì换成huàn chéng美金měijīn吗ma?

Could you exchange NTD for US dollars?
You ask

今天的jīntiān de匯率huìlǜ是多少shì duōshǎo? 今天的jīntiān de汇率huìlǜ是多少shì duōshǎo?

What’s the exchange rate today?
04

Credit card信用卡

提款卡
Tíkuǎn kǎ
Cash card
信用卡
Xìnyòngkǎ
Credit card
金融簽帳卡金融签帐卡
Jīnróng qiānzhàng kǎ
Debit card
信用額度信用额度
Xìnyòng édù
Credit limit

Sentences you may hear

Staff says

你nǐ已經yǐjīng超出chāochū你的nǐ de信用額度xìnyòng édù了le。 你nǐ已经yǐjīng超出chāochū你的nǐ de信用额度xìnyòng édù了le。

You have exceeded your credit limit.

Sentences you may need

You say

我要wǒ yào辦bàn一張yì zhāng信用卡xìnyòngkǎ。 我要wǒ yào办bàn一张yì zhāng信用卡xìnyòngkǎ。

I’d like to apply for a credit card.
You say

我要wǒ yào辦理bànlǐ信用卡xìnyòngkǎ掛失guàshī並bìng取消qǔxiāo那張卡nà zhāng kǎ。 我要wǒ yào办理bànlǐ信用卡xìnyòngkǎ挂失guàshī并bìng取消qǔxiāo那张卡nà zhāng kǎ。

I’d like to report the loss of my credit card and cancel it.
Report the loss (of a card)掛失挂失guàshī
05

Others其他

海外基金
Hǎiwài jījīn
International fund
貸款贷款
Dàikuǎn
Loan
個人理財顧問个人理财顾问
Gèrén lǐcái gùwèn
Personal banker
You say

我要wǒ yào申請shēnqǐng存款證明cúnkuǎn zhèngmíng。 我要wǒ yào申请shēnqǐng存款证明cúnkuǎn zhèngmíng。

I’d like to apply for a balance statement for my account.
You say

我要wǒ yào貸款dàikuǎn。 我要wǒ yào贷款dàikuǎn。

I would like to take out a loan.
06

Opening an account as a foreigner外國人開戶須知外国人开户须知

  • ARC length matters — some banks want your Alien Resident Certificate to have at least 3–6 months left before they’ll open a full account for you.
  • A Taiwan phone number helps — online banking and app-based verification (OTP codes) are usually tied to a local number.
  • Some branches are more foreigner-friendly than others — branches near universities or business districts tend to have staff more used to walking non-Chinese speakers through the process.
  • Bring a Chinese-speaking friend if you can — not required, but it speeds up the paperwork considerably at branches without English-speaking staff.
07

Mobile payments & digital banking行動支付行动支付

Card and cash still work almost everywhere in Taiwan; in mainland China, mobile payment is close to mandatory.

Taiwan

  • 悠遊卡悠游卡 (EasyCard) — a tap card for transit that doubles as small-amount payment at convenience stores.
  • LINE Pay and 街口支付街口支付 (JKoPay) — the two most common mobile wallet apps.
  • Cards and cash are both still widely accepted — mobile payment is convenient, not required.

Mainland China

  • 支付寶支付宝 (Alipay) and 微信支付微信支付 (WeChat Pay) dominate — many smaller vendors don’t take cash at all anymore.
  • Both now support linking a foreign card for tourists, but setup can be fussy — do it before you need it urgently.
  • A local bank account tied to your real name gives the most reliable access to both.
08

Where to open an account在哪裡開戶在哪里开户

In Taiwan

  • 臺灣銀行台湾银行 (Bank of Taiwan) State-owned and the most widely branched — a safe default if you’re not sure where to start.
  • 中國信託中国信托 (CTBC) Taiwan’s largest private bank, with a strong track record of English-language service.
  • 玉山銀行玉山银行 (E.SUN Bank) Known for a smoother digital banking app and dedicated bilingual branches in major cities.

In mainland China

  • 中國工商銀行中国工商银行 (ICBC) The largest bank in the country by assets — branches everywhere, including smaller cities.
  • 中國銀行中国银行 (Bank of China) The most internationally oriented of the big state banks — often the easiest for a foreigner to open an account with.
Do you like it? 🙂

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