Managing your finances effectively in Romanian requires knowing formal banking terminology. Let's learn the essential words for dealing with banks, from handling cash to paying off a mortgage.
Everyday Banking
Managing your money begins with basic banking terminology. Whether you are dealing with numerarul (the cash), you might need to visit your local bank sucursala (the branch).
| The bank does not accept the dirty cash. | Banca nu acceptă numerarul murdar. |
| We visited the biggest branch. | Noi am vizitat cea mai mare sucursală. |
When you need physical money, you will use the verb a retrage (to withdraw).
| I tried to withdraw the money from the ATM. | Eu am încercat să retrag banii de la bancomat. |
To keep track of your available funds, you should regularly check soldul (the balance) of your account.
| The balance of your account is zero. | Soldul contului tău este zero. |
Loans and Mortgages
If you need to make a major purchase, such as a new vehicle, you might apply for împrumutul (the loan).
| The bank approved the loan for the new car. | Banca a aprobat împrumutul pentru mașina nouă. |
For buying a home, the specific term you will use is ipoteca (the mortgage).
| We paid the mortgage on time. | Noi am plătit ipoteca la timp. |
Capital and Foreign Currency
When discussing business or large financial investments, you will encounter capitalul (the capital).
| The woman decided to invest all the capital. | Femeia a hotărât să investească tot capitalul. |
If you are traveling or investing internationally, you will need to pay attention to exchange rates and valuta (the currency).
| Which is the strongest currency now? | Care este cea mai puternică valută acum? |
Managing Your Debt and Statements
When you have loans or credit, it is crucial to pay your debt by scadența (the due date) to avoid any extra fees.
| You must pay the debt by the due date. | Trebuie să plătești datoria până la scadență. |
Finally, to review your history of transactions and ensure everything is correct, you can read over extrasul (the statement).
| The client received the statement by mail. | Clienta a primit extrasul prin poștă. |
