[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"blog-article-local-chinese-banking-vocabulary":3,"$fHZsWYl_LcdVZ5GxKwtR-ZqvCZbbUdo2_Fi6R_GQKiQM":4,"blog-article-cms-chinese-banking-vocabulary":6,"article-hreflang-chinese-banking-vocabulary":2864,"blog-article-related-chinese-banking-vocabulary":2865},null,{"approximate_member_count":5},20360,{"id":7,"documentId":8,"title":9,"description":10,"timestampUnix":11,"slug":12,"h1":13,"image":14,"tags":20,"lang":3,"body":23,"createdAt":2858,"updatedAt":2859,"publishedAt":2860,"category":2861,"featured":2862,"timestamp":2863,"locale":-1,"_dir":2861},6479,"o5181w96z4lnoh46gn509198","Chinese Banking Vocabulary: Essential Terms You Need","If you're planning to live in China, it'd be best for you to learn the banking vocabulary for accounts, transfers, and others. Practical terms with pinyin.","1774299600000","chinese-banking-vocabulary","Chinese Banking Vocabulary: Guide to Chinese Banking Phrases & Payment Culture",{"alt":15,"src":16,"width":17,"height":18,"previewOnly":19},"Chinese vocabulary for banking and financial services - Banner","https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002FScreenshot_2026_03_24_093218_fb1176d8b5\u002FScreenshot_2026_03_24_093218_fb1176d8b5.png",1000,473,false,[21,22],"vocabulary","phrases",{"data":24,"body":27,"toc":2838},{"title":25,"description":26},"","If you're learning Chinese and planning to live, work, or do business in China, you'll eventually need to deal with banks. Whether you're opening a bank account, transferring money, or just trying to withdraw cash from an ATM, knowing the right vocabulary makes everything smoother. This guide covers all the essential Chinese banking vocabulary you need, from basic terms to more advanced finance concepts. Pretty useful stuff if you want to avoid awkwardly pointing at things in a Chinese bank.",{"type":28,"children":29},"root",[30,49,53,57,64,69,82,203,238,241,247,258,269,359,388,411,434,437,443,450,473,508,514,698,701,707,718,830,835,1059,1062,1068,1074,1085,1090,1312,1318,1329,1507,1510,1516,1521,1711,1716,1850,1853,1859,1876,1881,2081,2086,2264,2269,2403,2406,2412,2417,2717,2720,2726,2731,2774,2788,2796,2802,2805,2811,2816,2833],{"type":31,"tag":32,"props":33,"children":34},"element","p",{},[35,38,47],{"type":36,"value":37},"text","If you're ",{"type":31,"tag":39,"props":40,"children":44},"a",{"href":41,"rel":42},"https:\u002F\u002Fmigaku.com\u002Flearn-chinese",[43],"nofollow",[45],{"type":36,"value":46},"learning Chinese",{"type":36,"value":48}," and planning to live, work, or do business in China, you'll eventually need to deal with banks. Whether you're opening a bank account, transferring money, or just trying to withdraw cash from an ATM, knowing the right vocabulary makes everything smoother. This guide covers all the essential Chinese banking vocabulary you need, from basic terms to more advanced finance concepts. Pretty useful stuff if you want to avoid awkwardly pointing at things in a Chinese bank.",{"type":31,"tag":50,"props":51,"children":52},"toc",{},[],{"type":31,"tag":54,"props":55,"children":56},"hr",{},[],{"type":31,"tag":58,"props":59,"children":61},"h2",{"id":60},"basic-bank-vocabulary-in-chinese",[62],{"type":36,"value":63},"Basic bank vocabulary in Chinese",{"type":31,"tag":32,"props":65,"children":66},{},[67],{"type":36,"value":68},"Let's start with the fundamental terms you'll use most often.",{"type":31,"tag":32,"props":70,"children":71},{},[72,74,80],{"type":36,"value":73},"Bank in Chinese is 银行 ",{"type":31,"tag":75,"props":76,"children":79},"custom-audio",{"src":77,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_9a6d32808b\u002Fzh_9a6d32808b.mp3","3",[],{"type":36,"value":81}," (yínháng). You'll see this everywhere. The character 银 means silver, and 行 can mean business or firm. Different banks have specific names:",{"type":31,"tag":83,"props":84,"children":85},"table",{},[86,110],{"type":31,"tag":87,"props":88,"children":89},"thead",{},[90],{"type":31,"tag":91,"props":92,"children":93},"tr",{},[94,100,105],{"type":31,"tag":95,"props":96,"children":97},"th",{},[98],{"type":36,"value":99},"Chinese",{"type":31,"tag":95,"props":101,"children":102},{},[103],{"type":36,"value":104},"Pinyin",{"type":31,"tag":95,"props":106,"children":107},{},[108],{"type":36,"value":109},"English",{"type":31,"tag":111,"props":112,"children":113},"tbody",{},[114,137,159,181],{"type":31,"tag":91,"props":115,"children":116},{},[117,127,132],{"type":31,"tag":118,"props":119,"children":120},"td",{},[121,123],{"type":36,"value":122},"中国银行 ",{"type":31,"tag":75,"props":124,"children":126},{"src":125,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_fddc2e6c3c\u002Fzh_fddc2e6c3c.mp3",[],{"type":31,"tag":118,"props":128,"children":129},{},[130],{"type":36,"value":131},"Zhōngguó Yínháng",{"type":31,"tag":118,"props":133,"children":134},{},[135],{"type":36,"value":136},"Bank of China",{"type":31,"tag":91,"props":138,"children":139},{},[140,149,154],{"type":31,"tag":118,"props":141,"children":142},{},[143,145],{"type":36,"value":144},"工商银行 ",{"type":31,"tag":75,"props":146,"children":148},{"src":147,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_8fc0920320\u002Fzh_8fc0920320.mp3",[],{"type":31,"tag":118,"props":150,"children":151},{},[152],{"type":36,"value":153},"Gōngshāng Yínháng",{"type":31,"tag":118,"props":155,"children":156},{},[157],{"type":36,"value":158},"Industrial and Commercial Bank of China",{"type":31,"tag":91,"props":160,"children":161},{},[162,171,176],{"type":31,"tag":118,"props":163,"children":164},{},[165,167],{"type":36,"value":166},"建设银行 ",{"type":31,"tag":75,"props":168,"children":170},{"src":169,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_27bd5c6f49\u002Fzh_27bd5c6f49.mp3",[],{"type":31,"tag":118,"props":172,"children":173},{},[174],{"type":36,"value":175},"Jiànshè Yínháng",{"type":31,"tag":118,"props":177,"children":178},{},[179],{"type":36,"value":180},"China Construction Bank",{"type":31,"tag":91,"props":182,"children":183},{},[184,193,198],{"type":31,"tag":118,"props":185,"children":186},{},[187,189],{"type":36,"value":188},"农业银行 ",{"type":31,"tag":75,"props":190,"children":192},{"src":191,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_32852df797\u002Fzh_32852df797.mp3",[],{"type":31,"tag":118,"props":194,"children":195},{},[196],{"type":36,"value":197},"Nóngyè Yínháng",{"type":31,"tag":118,"props":199,"children":200},{},[201],{"type":36,"value":202},"Agricultural Bank of China",{"type":31,"tag":32,"props":204,"children":205},{},[206,208,212,214,218,220,224,226,230,232,236],{"type":36,"value":207},"When you walk into a bank, you might need to take a number. The ticket machine is 取号机 ",{"type":31,"tag":75,"props":209,"children":211},{"src":210,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_43889af9dd\u002Fzh_43889af9dd.mp3",[],{"type":36,"value":213}," (qǔhàojī), and your number is 号码 ",{"type":31,"tag":75,"props":215,"children":217},{"src":216,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_db6263d660\u002Fzh_db6263d660.mp3",[],{"type":36,"value":219}," (hàomǎ). The counter or teller window is 柜台 ",{"type":31,"tag":75,"props":221,"children":223},{"src":222,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_59f96500b6\u002Fzh_59f96500b6.mp3",[],{"type":36,"value":225}," (guìtái), and the bank teller is 银行职员 ",{"type":31,"tag":75,"props":227,"children":229},{"src":228,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_4dd896323e\u002Fzh_4dd896323e.mp3",[],{"type":36,"value":231}," (yínháng zhíyuán) or just 柜员 ",{"type":31,"tag":75,"props":233,"children":235},{"src":234,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_09bc548b3b\u002Fzh_09bc548b3b.mp3",[],{"type":36,"value":237}," (guìyuán).",{"type":31,"tag":54,"props":239,"children":240},{},[],{"type":31,"tag":58,"props":242,"children":244},{"id":243},"opening-a-bank-account",[245],{"type":36,"value":246},"Opening a bank account",{"type":31,"tag":32,"props":248,"children":249},{},[250,252,256],{"type":36,"value":251},"Opening a bank account (开户 ",{"type":31,"tag":75,"props":253,"children":255},{"src":254,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_27de9060be\u002Fzh_27de9060be.mp3",[],{"type":36,"value":257}," - kāihù) is one of the first things you'll do in China. The process requires specific vocabulary.",{"type":31,"tag":32,"props":259,"children":260},{},[261,263,267],{"type":36,"value":262},"A bank account is 银行账户 ",{"type":31,"tag":75,"props":264,"children":266},{"src":265,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_72b43ac58a\u002Fzh_72b43ac58a.mp3",[],{"type":36,"value":268}," (yínháng zhànghù) or just 账户 (zhànghù). There are different types:",{"type":31,"tag":83,"props":270,"children":271},{},[272,290],{"type":31,"tag":87,"props":273,"children":274},{},[275],{"type":31,"tag":91,"props":276,"children":277},{},[278,282,286],{"type":31,"tag":95,"props":279,"children":280},{},[281],{"type":36,"value":99},{"type":31,"tag":95,"props":283,"children":284},{},[285],{"type":36,"value":104},{"type":31,"tag":95,"props":287,"children":288},{},[289],{"type":36,"value":109},{"type":31,"tag":111,"props":291,"children":292},{},[293,315,337],{"type":31,"tag":91,"props":294,"children":295},{},[296,305,310],{"type":31,"tag":118,"props":297,"children":298},{},[299,301],{"type":36,"value":300},"储蓄账户 ",{"type":31,"tag":75,"props":302,"children":304},{"src":303,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_33d74a61d2\u002Fzh_33d74a61d2.mp3",[],{"type":31,"tag":118,"props":306,"children":307},{},[308],{"type":36,"value":309},"chǔxù zhànghù",{"type":31,"tag":118,"props":311,"children":312},{},[313],{"type":36,"value":314},"Savings account",{"type":31,"tag":91,"props":316,"children":317},{},[318,327,332],{"type":31,"tag":118,"props":319,"children":320},{},[321,323],{"type":36,"value":322},"活期账户 ",{"type":31,"tag":75,"props":324,"children":326},{"src":325,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_f521cc9229\u002Fzh_f521cc9229.mp3",[],{"type":31,"tag":118,"props":328,"children":329},{},[330],{"type":36,"value":331},"huóqī zhànghù",{"type":31,"tag":118,"props":333,"children":334},{},[335],{"type":36,"value":336},"Current account \u002F Checking account",{"type":31,"tag":91,"props":338,"children":339},{},[340,349,354],{"type":31,"tag":118,"props":341,"children":342},{},[343,345],{"type":36,"value":344},"定期账户 ",{"type":31,"tag":75,"props":346,"children":348},{"src":347,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_b9a772deeb\u002Fzh_b9a772deeb.mp3",[],{"type":31,"tag":118,"props":350,"children":351},{},[352],{"type":36,"value":353},"dìngqī zhànghù",{"type":31,"tag":118,"props":355,"children":356},{},[357],{"type":36,"value":358},"Fixed deposit account",{"type":31,"tag":32,"props":360,"children":361},{},[362,364,368,370,374,376,380,382,386],{"type":36,"value":363},"You'll need to bring your passport (护照 ",{"type":31,"tag":75,"props":365,"children":367},{"src":366,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_b91b9070e3\u002Fzh_b91b9070e3.mp3",[],{"type":36,"value":369}," - hùzhào) and possibly a residence permit (居留许可 ",{"type":31,"tag":75,"props":371,"children":373},{"src":372,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_64e590576c\u002Fzh_64e590576c.mp3",[],{"type":36,"value":375}," - jūliú xǔkě). The application form is 申请表 ",{"type":31,"tag":75,"props":377,"children":379},{"src":378,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_e482367beb\u002Fzh_e482367beb.mp3",[],{"type":36,"value":381}," (shēnqǐng biǎo). You'll set a password (密码 ",{"type":31,"tag":75,"props":383,"children":385},{"src":384,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_33ea2488bf\u002Fzh_33ea2488bf.mp3",[],{"type":36,"value":387}," - mìmǎ), usually a six-digit PIN.",{"type":31,"tag":32,"props":389,"children":390},{},[391,393,397,399,403,405,409],{"type":36,"value":392},"The bank will give you a bank card (银行卡 ",{"type":31,"tag":75,"props":394,"children":396},{"src":395,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_ec7ff89701\u002Fzh_ec7ff89701.mp3",[],{"type":36,"value":398}," - yínháng kǎ). This might be a debit card (借记卡 ",{"type":31,"tag":75,"props":400,"children":402},{"src":401,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_e32abc1943\u002Fzh_e32abc1943.mp3",[],{"type":36,"value":404}," - jièjì kǎ) or credit card (信用卡 ",{"type":31,"tag":75,"props":406,"children":408},{"src":407,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_bc48b6f5be\u002Fzh_bc48b6f5be.mp3",[],{"type":36,"value":410}," - xìnyòng kǎ). Most Chinese banks issue a card that functions as both an ATM card and a payment card.",{"type":31,"tag":32,"props":412,"children":413},{},[414,416,420,422,426,428,432],{"type":36,"value":415},"Your account number is 账号 ",{"type":31,"tag":75,"props":417,"children":419},{"src":418,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_bba4f77eeb\u002Fzh_bba4f77eeb.mp3",[],{"type":36,"value":421}," (zhànghào), and the cardholder is 持卡人 ",{"type":31,"tag":75,"props":423,"children":425},{"src":424,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_e9969804df\u002Fzh_e9969804df.mp3",[],{"type":36,"value":427}," (chíkǎrén). Keep your card safe because replacement (补办 ",{"type":31,"tag":75,"props":429,"children":431},{"src":430,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_1d6297298b\u002Fzh_1d6297298b.mp3",[],{"type":36,"value":433}," - bǔbàn) can be annoying.",{"type":31,"tag":54,"props":435,"children":436},{},[],{"type":31,"tag":58,"props":438,"children":440},{"id":439},"cash-deposits-and-withdrawals",[441],{"type":36,"value":442},"Cash, deposits, and withdrawals",{"type":31,"tag":444,"props":445,"children":447},"h3",{"id":446},"cash-in-mandarin",[448],{"type":36,"value":449},"Cash in Mandarin",{"type":31,"tag":32,"props":451,"children":452},{},[453,455,459,461,465,467,471],{"type":36,"value":454},"Even though China is moving toward cashless payments, you still need cash (现金 ",{"type":31,"tag":75,"props":456,"children":458},{"src":457,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_8c84f0457e\u002Fzh_8c84f0457e.mp3",[],{"type":36,"value":460}," - xiànjīn) sometimes. The currency is called 人民币 ",{"type":31,"tag":75,"props":462,"children":464},{"src":463,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_2ad1ea6cd1\u002Fzh_2ad1ea6cd1.mp3",[],{"type":36,"value":466}," (rénmínbì), often abbreviated as RMB. Informally, people call money 钱 ",{"type":31,"tag":75,"props":468,"children":470},{"src":469,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_cda2b7f2e8\u002Fzh_cda2b7f2e8.mp3",[],{"type":36,"value":472}," (qián).",{"type":31,"tag":32,"props":474,"children":475},{},[476,478,482,484,488,490,494,496,500,502,506],{"type":36,"value":477},"The basic unit is 元 ",{"type":31,"tag":75,"props":479,"children":481},{"src":480,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_2bf1720356\u002Fzh_2bf1720356.mp3",[],{"type":36,"value":483}," (yuán), though people often say 块 ",{"type":31,"tag":75,"props":485,"children":487},{"src":486,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_815efacb78\u002Fzh_815efacb78.mp3",[],{"type":36,"value":489}," (kuài) in spoken Chinese. Smaller denominations include 角 ",{"type":31,"tag":75,"props":491,"children":493},{"src":492,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_5888598218\u002Fzh_5888598218.mp3",[],{"type":36,"value":495}," (jiǎo) or 毛 ",{"type":31,"tag":75,"props":497,"children":499},{"src":498,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_bdefe43423\u002Fzh_bdefe43423.mp3",[],{"type":36,"value":501}," (máo), and 分 ",{"type":31,"tag":75,"props":503,"children":505},{"src":504,":type":78},"https:\u002F\u002Fmigaku-cms-assets.migaku.com\u002Fzh_dfac2152dc\u002Fzh_dfac2152dc.mp3",[],{"type":36,"value":507}," (fēn), though you rarely see those anymore.",{"type":31,"tag":444,"props":509,"children":511},{"id":510},"banking-terms-for-deposit-and-withdrawal",[512],{"type":36,"value":513},"Banking terms for deposit and 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