은행 업무 관련 용어 영어로 [입트영]

안녕하세요 위키드스마트입니다.

입트영에서 은행 업무 관련 좋은 표현들이 많이 나와 이를 가지고 같이 공부해보겠습니다.

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[본문]
People do most of their banking chores these days through online banking or mobile banking. 

요즘은 대부분의 은행 업무를 인터넷 뱅킹이나 모바일 뱅킹으로 한다.

You can do most basic things on a phone, including checking your balance, making a transfer, or paying the bills.

잔고 확인, 계좌 이체, 청구서 납부 등 대부분의 기본 업무가 핸드폰으로 가능하다. 

People often set up automatic transfers for monthly fees, so money is withdrawn automatically. 

매월 내야 하는 요금 납부 등은 자동 이체를 설정해 두는 경우가 많아서, 자동으로 통장에서 돈이 빠져나간다. 

When people actually visit a bank, it's usually to consult with a teller to open up an account or to apply for a loan. 

은행에 가는 경우는 계좌 개설을 하거나 대출 상담을 하거나 하는 등의 창구 상담이 필요한 경우이다.

Getting a security card or OTP card reissued also requires a visit. 

보안카드나 OTP 재발급과 같은 업무도 직접 은행을 방문해야 한다. 

People also visit banks to exchange currencies before they go overseas. 

외국으로 나가기 전에 환전을 해야 하는 경우도 은행에 직접 방문을 해야 한다.

It's easy to withdraw cash since there are ATMs on every corner. 

현금을 뽑아야 하는 경우에는 주변에 현금 인출기가 워낙 많아서 매우 편리하게 현금을 인출할 수 있다.

ATMs can also be used to make a deposit. 

현금 인출기는 입금을 할 수도 있다.

ATMs in convenience stores are even open around the clock. 

편의점에 있는 현금 인출기들은 심지어 24시간 사용할 수 있다. 

Overall, people can breeze through banking chores these days.

은행 업무를 보는 것이 전반적으로 매우 편해진 세상이다. 

[표현]

banking chores 은행 관련 업무
online banking 온라인 뱅킹
mobile banking 모바일 뱅킹
check one's balance 잔액 조회를 하다
make a transfer 송금을 하다
pay the bills 각종 요금을 지불하다
set up automatic transfers 자동 이체를 설정하다
monthly fees 매월 내야 하는 요금
be withdrawn automatically 자동으로 출금되다
consult with a teller 창구 상담을 받다
open up an account 계좌를 개설하다
apply for a loan 대출 신청을 하다
get a card reissued 카드를 재발급받다
exchange currencies 환전하다
go overseas 해외로 출국하다
withdraw cash 현금을 인출하다
on every corner 곳곳에, 흔하게
make a deposit 입금을 하다
open around the clock 24시간 무휴로 영업하다
breeze through 쉽게 처리하다

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몇 가지 표현을 좀 더 심도있게 봐보면~ 

1. check one's balance 잔액 조회를 하다

■ You can do most basic things on a phone, including checking your balance.

■ I need to check my balance before deciding whether to buy this.

■ I don't have to go to the bank to check my balance.

2. pay the bills 각종 요금을 지불하다

■ You can pay the bills using your phone.

■ He pays the bills by working at a part-time job.

■ I don't like my job, but I have to pay the bills.

3. consult with a teller 창구 상담을 받다

■ People go to banks when they have to consult with a teller.

■ I couldn't consult with a teller because it was a weekend.

■ If you want to consult with a teller, you need to go before the bank closes.

4. on every corner 곳곳에, 흔하게

■ There is an ATM on every corner.

■ In Korea, there is a convenience store on every corner.

■ It seems like there is a coffee shop on every corner.

 

5. breeze through 쉽게 처리하다

■ Overall, people can breeze through banking chores these days.

■ It's a difficult job, so you can't just breeze through it.

■ It takes me a long time to write a report, but she breezes through it.

그리고 그 외 은행관련 용어들 알려드립니다. 

a/c

 abbreviation

account

APR

 noun

annual percentage rate: the percentage that a bank makes you pay in interest when you borrow money from it, calculated over a period of one year

a run on something

a time when a lot of people take their money out of a bank at the same time

balance

 noun

the amount of money you have in your bank account

bank

 noun

belonging to or connected with a bank

bank balance

 noun

british the amount of money that you have in your bank account

bank draft

 noun

an order to pay someone that is sent from one bank to another bank, usually in a different country

banker’s draft

 noun

a bank draft

banker’s order

 noun

british a standing order

banking

 noun

the work done by banks and other financial institutions

banking

 noun

the activity of paying money into or taking money out of a bank account

bank rate

 noun

the rate of interest that banks use to calculate how much interest to charge on money they lend to each other rather than to their customers

bank statement

 noun

a document that shows all the money that went into or out of your bank account during a particular period of time

base rate

 noun

british the rate of interest that banks use to calculate how much interest to charge on money they lend to their customers

BIPS

 noun

bank Internet payment system: an electronic system for making payments by moving money directly into a bank account over the Internet

bond

 noun

businesssouth african an agreement to borrow money to buy a house, or the money that you borrow; a mortgage

borrower

 noun

someone who borrows money from a bank

cardholder

 noun

someone who owns a credit card or debit card for buying things with

cashback

 noun

british money from your bank account that you can get from a shop when you pay for goods with a debit card

CHIPS

 noun

clearing house interbank payment system: an electronic system for making international payments in dollars and for changing money from one currency to another

collateral

 noun

property that you agree to give to a bank if you fail to pay back money that you have borrowed

commission

 noun

an extra amount of money that you have to pay to a bank or other organization when they provide a service for you

credit

 noun

an arrangement to receive goods from a shop or money from a bank and pay for it later

credit

 noun

an amount of money that you add to an account. An amount of money that you take out of an account is a debit

credit limit

 noun

the maximum amount of money that a customer can borrow using a particular credit card account

credit line

 noun

an amount of money that a person or company can borrow from a bank or other financial institution

credit rating

 noun

financial information about someone that a bank or shop uses for deciding whether to lend them money or to give them credit

credit transfer

 noun

british a payment made directly from one bank account to another

debit

 noun

an amount of money taken from a bank account

deposit

 noun

an amount of money that you pay into a bank account

depositor

 noun

someone who pays money into a bank

direct debit

 noun

an order to a bank to regularly pay money from your account to a person or organization

direct deposit

 noun

american an arrangement in which your salary is always put directly into your bank account

discount rate

 noun

the rate of interest that a central bank charges another bank that borrows from it

draft

 noun

british a bank draft

EFTPOS

 noun

electronic funds transfer at point of sale: a system of paying for goods by moving money by computer from the customer’s bank account to the account of the company or person they have bought from

in credit

to have more money in an account than the amount that you have taken out

interest

 noun

business money that a person or institution such as a bank charges you for lending you money

interest

 noun

money that you receive from an institution such as a bank when you keep money in an account there

interest rate

 noun

the percentage that an institution such as a bank charges or pays you in interest when you borrow money from it or keep money in an account

Internet banking

 noun

a system that allows you to use the Internet to communicate with your bank, check your account, pay bills etc

in the black

with money in your bank account, or with more money than you owe

lending rate

 noun

a percentage that a bank charges a customer who borrows money

Libor

 noun

London Interbank Offered Rate: an interest rate at which banks can borrow from one another. It is set daily based on an average of the rates set by major banks around the world

money market

 noun

business activities in which banks and other financial institutions make money by lending money to other organizations

mortgage

 noun

a legal agreement in which you borrow money from a bank in order to buy a house. You pay back your mortgage by making monthly payments

night safe

 noun

british a metal container in the wall of a bank that you can put money into when the bank is closed

online banking

 noun

a system that allows you to communicate with your bank on the Internet

overdraft

 noun

an agreement with your bank that allows you to spend money when you have no money left in your account

overdraft

 noun

the amount of money that someone owes their bank because they have usedthis agreement

overdrawn

 adjective

if you are overdrawn, or if your bank account is overdrawn, you owe your bankmoney that you have spent when there was no money in your account

passbook

 noun

british a small book showing the amounts of money that you put into and take out of your account in a building society

paying-in slip

 noun

british a piece of paper on which you write information when you put moneyinto a bank account

real-time authorization

 noun

a system that can check whether a customer’s credit card is acceptable in a few seconds so that an Internet shop can process an order immediately

robosigning

 noun

the practice, especially in financial institutions, of signing large numbers of documents without checking that they are accurate, often done by peoplewithout the necessary authority

safe-deposit box

 noun

mainly american a safety deposit box

safety deposit box

 noun

a small box that is usually kept in a bank, used for storing valuablepossessions

saver

 noun

someone who regularly puts money in a bank or building a society so that they can use it later

savings

 noun

money that you have saved in a bank or invested so that you can use it later

savings ratio

 noun

a measurement of how much money people in a country are saving, which compares the amount of money they have available to spend with the amount of money they do spend

sort code

 noun

a number that is used, for example on cheques, for recognizing the particularoffice of a bank where someone keeps their account

standing order

 noun

british an instruction that you give a bank to take a particular amount of money out of your account on a particular day, usually each month, to pay a person or organization for you. A direct debit is a similar arrangement, except that the amount can change and is decided by the person who you are paying.

statement

 noun

an official document that lists the amounts of money that have been put in or taken out of a bank account

stress test

 noun

economics a test used to find out if a bank or other financial institution is likelyto fail or have serious problems in a difficult economic situation

strongroom

 noun

a room, often in a bank, for protecting money and other valuable things from being stolen or burned in a fire

sub-prime

 adjective

used to describe lending at a higher than usual rate of interest because it involves borrowers who are less likely to be able to pay back their loan

telebanking

 noun

a way of doing business with a bank by using your telephone or computer

telephone banking

 noun

banking services provided to customers by telephone

unsecured

 adjective

business an unsecured loan is money that a bank lends someone without making them promise to give property to the bank if they cannot pay the money back

vault

 noun

a strongly protected room in a bank where money, gold etc is kept

withdrawal

 noun

the process of taking an amount of money out of your bank account, or the amount of money that you take out

많은 도움 되셨길 ^^