1

你有银行账户吗？有，我有一个银行账户。

Nǐ yǒu yínháng zhànghù ma? Yǒu, wǒ yǒu yí ge yínháng zhànghù.

Do you have a bank account? Yes, I have a bank account.

2

你去过银行吗？去过，我去银行存钱。

Nǐ qùguò yínháng ma? Qùguò, wǒ qù yínháng cún qián.

Have you been to the bank? Yes, I went to deposit money.

3

你怎么取钱？我去银行取钱。

Nǐ zěnme qǔ qián? Wǒ qù yínháng qǔ qián.

How do you withdraw money? I go to the bank to withdraw money.

4

你存过钱吗？存过，我常常把钱存进银行。

Nǐ cúnguò qián ma? Cúnguò, wǒ chángcháng bǎ qián cún jìn yínháng.

Have you deposited money? Yes, I often deposit money in the bank.

5

你的账户是什么类型的？我的账户是储蓄账户。

Nǐ de zhànghù shì shénme lèixíng de? Wǒ de zhànghù shì chǔxù zhànghù.

What type of account do you have? It’s a savings account.

6

你有银行卡吗？有，我有一张信用卡。

Nǐ yǒu yínhángkǎ ma? Yǒu, wǒ yǒu yì zhāng xìnyòngkǎ.

Do you have a bank card? Yes, I have a credit card.

7

你怎么付款？我用银行卡付款。

Nǐ zěnme fùkuǎn? Wǒ yòng yínhángkǎ fùkuǎn.

How do you pay? I use a bank card to pay.

8

银行开门了吗？银行已经开门了。

Yínháng kāimén le ma? Yínháng yǐjīng kāimén le.

Is the bank open? Yes, it’s already open.

9

你知道银行在哪里吗？知道，银行在街角。

Nǐ zhīdào yínháng zài nǎlǐ ma? Zhīdào, yínháng zài jiējiǎo.

Do you know where the bank is? Yes, it’s on the corner.

10

银行的营业时间是几点？银行从早上九点开门，到下午五点关门。

Yínháng de yíngyè shíjiān shì jǐ diǎn? Yínháng cóng zǎoshang jiǔ diǎn kāimén, dào xiàwǔ wǔ diǎn guānmén.

What are the bank’s hours? From 9 am to 5 pm.

11

你在哪里开户？我在市中心的银行开户。

Nǐ zài nǎlǐ kāihù? Wǒ zài shìzhōngxīn de yínháng kāihù.

Where did you open your account? At a bank downtown.

12

你有多少存款？我存了三千块钱。

Nǐ yǒu duōshǎo cúnkuǎn? Wǒ cún le sān qiān kuài qián.

How much do you have in savings? I saved 3000 yuan.

13

你用什么银行服务？我用网上银行服务。

Nǐ yòng shénme yínháng fúwù? Wǒ yòng wǎngshàng yínháng fúwù.

What banking services do you use? I use online banking.

14

你有没有借记卡？有，我有借记卡。

Nǐ yǒu méiyǒu jièjìkǎ? Yǒu, wǒ yǒu jièjìkǎ.

Do you have a debit card? Yes, I have a debit card.

15

你可以帮我取钱吗？可以，我可以帮你取钱。

Nǐ kěyǐ bāng wǒ qǔ qián ma? Kěyǐ, wǒ kěyǐ bāng nǐ qǔ qián.

Can you help me withdraw money? Sure, I can help you.

16

我的银行卡丢了，怎么办？你应该马上去银行挂失。

Wǒ de yínhángkǎ diū le, zěnme bàn? Nǐ yīnggāi mǎshàng qù yínháng guàshī.

I lost my card, what should I do? Go to the bank and report it.

17

你每个月存多少钱？我每个月存五百块钱。

Nǐ měi ge yuè cún duōshǎo qián? Wǒ měi ge yuè cún wǔ bǎi kuài qián.

How much do you save monthly? I save 500 yuan per month.

18

银行账户需要什么材料？你需要身份证和地址证明。

Yínháng zhànghù xūyào shénme cáiliào? Nǐ xūyào shēnfènzhèng hé dìzhǐ zhèngmíng.

What do you need to open an account? ID and address proof.

19

你喜欢使用哪个银行？我喜欢使用工商银行。

Nǐ xǐhuan shǐyòng nǎ ge yínháng? Wǒ xǐhuan shǐyòng Gōngshāng Yínháng.

Which bank do you like? I like ICBC.

20

银行收取什么费用？有些银行账户会收年费。

Yínháng shōuqǔ shénme fèiyòng? Yǒuxiē yínháng zhànghù huì shōu niánfèi.

What fees do banks charge? Some accounts have annual fees.

21

你有没有申请过贷款？申请过，我申请过房贷。

Nǐ yǒu méiyǒu shēnqǐng guò dàikuǎn? Shēnqǐng guò, wǒ shēnqǐng guò fángdài.

Have you ever applied for a loan? Yes, I applied for a mortgage.

22

如何办理网上银行？你需要去银行注册，然后设置密码。

Rúhé bànlǐ wǎngshàng yínháng? Nǐ xūyào qù yínháng zhùcè, ránhòu shèzhì mìmǎ.

How to set up online banking? Go to the bank to register, then set a password.

23

你多久查一次账户余额？我每周查一次。

Nǐ duōjiǔ chá yí cì zhànghù yú’é? Wǒ měi zhōu chá yí cì.

How often do you check your balance? Once a week.

24

你用手机银行吗？用，我经常用手机转账。

Nǐ yòng shǒujī yínháng ma? Yòng, wǒ jīngcháng yòng shǒujī zhuǎnzhàng.

Do you use mobile banking? Yes, I often transfer money on my phone.

25

如何更改账户密码？登录网上银行，点击“修改密码”。

Rúhé gēnggǎi zhànghù mìmǎ? Dēnglù wǎngshàng yínháng, diǎnjī “xiūgǎi mìmǎ”.

How to change your password? Log in and click “change password.”

26

如果忘记密码怎么办？你需要验证身份后重设密码。

Rúguǒ wàngjì mìmǎ zěnme bàn? Nǐ xūyào yànzhèng shēnfèn hòu chóngshè mìmǎ.

What if I forget my password? Verify your identity and reset it.

27

银行卡可以绑定支付宝吗？可以，很多银行都支持。

Yínhángkǎ kěyǐ bǎngdìng Zhīfùbǎo ma? Kěyǐ, hěn duō yínháng dōu zhīchí.

Can bank cards be linked to Alipay? Yes, many banks support it.

28

你知道自己的信用评分吗？知道，我最近查了一次。

Nǐ zhīdào zìjǐ de xìnyòng píngfēn ma? Zhīdào, wǒ zuìjìn chá le yí cì.

Do you know your credit score? Yes, I checked it recently.

29

哪种账户适合学生使用？学生账户更适合，没有年费。

Nǎ zhǒng zhànghù shìhé xuéshēng shǐyòng? Xuéshēng zhànghù gèng shìhé, méiyǒu niánfèi.

What account suits students? Student accounts, they have no annual fee.

30

你有没有设置账户提醒？设置了，有消费和余额提醒。

Nǐ yǒu méiyǒu shèzhì zhànghù tíxǐng? Shèzhì le, yǒu xiāofèi hé yú’é tíxǐng.

Do you have account alerts? Yes, for spending and balance.

31

银行为什么要进行身份验证？为了确保账户安全。

Yínháng wèishéme yào jìnxíng shēnfèn yànzhèng? Wèile quèbǎo zhànghù ānquán.

Why does the bank verify identity? To ensure account security.

32

开设企业账户需要哪些手续？需要营业执照和法人身份证。

Kāishè qǐyè zhànghù xūyào nǎxiē shǒuxù? Xūyào yíngyè zhízhào hé fǎrén shēnfènzhèng.

What’s needed to open a business account? Business license and ID.

33

存定期和活期有什么区别？定期利息高但不能随时取。

Cún dìngqī hé huóqī yǒu shénme qūbié? Dìngqī lìxī gāo dàn bùnéng suíshí qǔ.

What’s the difference between fixed and regular savings? Fixed gives more interest but isn’t flexible.

34

为什么有些账户有最低存款要求？因为这样银行才能保障运营成本。

Wèishéme yǒuxiē zhànghù yǒu zuìdī cúnkuǎn yāoqiú? Yīnwèi zhèyàng yínháng cáinéng bǎozhàng yùnyíng chéngběn.

Why do some accounts require minimum balance? To cover operating costs.

35

如何避免银行手续费？选择无手续费账户或使用推荐服务。

Rúhé bìmiǎn yínháng shǒuxùfèi? Xuǎnzé wú shǒuxùfèi zhànghù huò shǐyòng tuījiàn fúwù.

How to avoid bank fees? Choose no-fee accounts or use recommended services.

36

银行转账限额是多少？不同银行和账户类型有所不同。

Yínháng zhuǎnzhàng xiàn’é shì duōshǎo? Bùtóng yínháng hé zhànghù lèixíng yǒu suǒ bùtóng.

What’s the transfer limit? It varies by bank and account type.

37

什么是国际汇款？是将资金从一个国家汇到另一个国家。

Shénme shì guójì huìkuǎn? Shì jiāng zījīn cóng yí gè guójiā huì dào lìng yí gè guójiā.

What is international remittance? Sending money from one country to another.

38

使用ATM存款安全吗？只要选择官方ATM并注意环境就安全。

Shǐyòng ATM cúnkuǎn ānquán ma? Zhǐyào xuǎnzé guānfāng ATM bìng zhùyì huánjìng jiù ānquán.

Is ATM deposit safe? Yes, if you use official ATMs and stay alert.

39

如何申请一张新的信用卡？提交申请表并等待审批。

Rúhé shēnqǐng yì zhāng xīn de xìnyòngkǎ? Tíjiāo shēnqǐng biǎo bìng děngdài shěnpī.

How to apply for a credit card? Submit an application and wait for approval.

40

信用卡有什么风险？如果逾期未还，会影响信用记录。

Xìnyòngkǎ yǒu shénme fēngxiǎn? Rúguǒ yúqī wèi huán, huì yǐngxiǎng xìnyòng jìlù.

What are credit card risks? Late payments affect your credit score.

41

开立外币账户需要哪些材料？需要护照及地址证明。

Kāilì wàibì zhànghù xūyào nǎxiē cáiliào? Xūyào hùzhào jí dìzhǐ zhèngmíng.

What do you need for a foreign currency account? Passport and proof of address.

42

如何监控账户活动？可通过APP查看交易记录和余额。

Rúhé jiānkòng zhànghù huódòng? Kě tōngguò APP chákàn jiāoyì jìlù hé yú’é.

How to monitor account activity? Use the app to view transactions and balance.

43

什么是定投？定投是定期定额投资的一种方式。

Shénme shì dìngtóu? Dìngtóu shì dìngqī dìng’é tóuzī de yì zhǒng fāngshì.

What is regular investment? Investing fixed amounts regularly over time.

44

如何开设子账户？登录银行账户，选择“子账户”选项。

Rúhé kāishè zǐ zhànghù? Dēnglù yínháng zhànghù, xuǎnzé “zǐ zhànghù” xuǎnxiàng.

How to open a sub-account? Log in and select the “sub-account” option.

45

账户被冻结的原因有哪些？可能因风险交易或身份异常。

Zhànghù bèi dòngjié de yuányīn yǒu nǎxiē? Kěnéng yīn fēngxiǎn jiāoyì huò shēnfèn yìcháng.

Why would an account be frozen? Suspicious transactions or ID issues.

46

银行如何保障信息安全？通过加密技术和多重验证系统。

Yínháng rúhé bǎozhàng xìnxī ānquán? Tōngguò jiāmì jìshù hé duōchóng yànzhèng xìtǒng.

How do banks protect data? With encryption and multi-factor verification.

47

什么是利率浮动？是根据市场变化调整的利率。

Shénme shì lìlǜ fúdòng? Shì gēnjù shìchǎng biànhuà tiáozhěng de lìlǜ.

What is a floating interest rate? A rate that changes with the market.

48

存款保险制度如何运作？政府保障一定金额的存款安全。

Cúnkuǎn bǎoxiǎn zhìdù rúhé yùnzuò? Zhèngfǔ bǎozhàng yídìng jīn’é de cúnkuǎn ānquán.

How does deposit insurance work? It guarantees a fixed amount is safe.

49

为什么要定期核对银行对账单？可以及时发现错误或异常。

Wèishéme yào dìngqī héduì yínháng duìzhàngdān? Kěyǐ jíshí fāxiàn cuòwù huò yìcháng.

Why review your statements? To catch errors or fraud in time.

50

账户升级有哪些好处？可享受更高的转账限额和专属服务。

Zhànghù shēngjí yǒu nǎxiē hǎochù? Kě xiǎngshòu gèng gāo de zhuǎnzhàng xiàn’é hé zhuānshǔ fúwù.

What are the benefits of upgrading your account? Higher limits, exclusive services.

51

开立联名账户的条件是什么？需双方到场并出示身份证件。

Kāilì liánmíng zhànghù de tiáojiàn shì shénme? Xū shuāngfāng dàochǎng bìng chūshì shēnfèn zhèngjiàn.

What’s needed for a joint account? Both people must present valid ID.

52

银行是如何评估贷款风险的？通过收入、信用和还款能力分析。

Yínháng shì rúhé pínggū dàikuǎn fēngxiǎn de? Tōngguò shōurù, xìnyòng hé huánkuǎn nénglì fēnxī.

How do banks assess loan risk? By analyzing income, credit, and repayment ability.

53

外币兑换需要注意什么？汇率变化和手续费是关键因素。

Wàibì duìhuàn xūyào zhùyì shénme? Huìlǜ biànhuà hé shǒuxùfèi shì guānjiàn yīnsù.

What to watch out for in currency exchange? Exchange rate and fees.

54

什么是银行理财产品？是银行提供的投资选项，带有一定风险。

Shénme shì yínháng lǐcái chǎnpǐn? Shì yínháng tígōng de tóuzī xuǎnxiàng, dàiyǒu yídìng fēngxiǎn.

What are bank wealth products? Investment options with some risk.

55

如何制定个人财务计划？需要设定目标、预算、储蓄和投资策略。

Rúhé zhìdìng gèrén cáiwù jìhuà? Xūyào shèdìng mùbiāo, yùsuàn, chǔxù hé tóuzī cèlüè.

How to make a financial plan? Set goals, budget, save, and invest wisely.