Bank Statement in Spanish: Translation, Vocabulary, and Example Phrases
“Bank statement” in Spanish is estado de cuenta, or estado de cuenta bancario when you need to be specific. The plural, bank statements, is estados de cuenta. It’s the standard term in Mexico and at US banks that offer service in Spanish, so if you’re looking for “bank statement en español,” this is the phrase to use.
Some countries use other words, and the vocabulary inside the statement varies too. Here’s what to expect.
How to say “bank statement” in Spanish by country
| Where | Common terms |
|---|---|
| United States and Mexico | estado de cuenta, estado de cuenta bancario |
| Spain | extracto bancario, extracto de cuenta |
| Argentina | resumen de cuenta |
| Chile | cartola, cartola bancaria |
| Colombia | extracto bancario, extracto |
“Estado de cuenta” is understood almost everywhere, so it’s a safe default. The term is masculine: el estado de cuenta, los estados de cuenta.
Spanish vocabulary for reading a bank statement
| English | Spanish | Notes |
|---|---|---|
| Account holder | titular de la cuenta | |
| Account number | número de cuenta | |
| Routing number | número de ruta | Used by US banks |
| Checking account | cuenta de cheques | Cuenta corriente in Spain, Argentina, Chile, and elsewhere |
| Savings account | cuenta de ahorros | Caja de ahorro in Argentina |
| Statement period | periodo | |
| Statement closing date | fecha de corte | Common in Mexico and Latin America |
| Balance | saldo | |
| Beginning balance | saldo inicial, saldo anterior | |
| Ending balance | saldo final | Saldo al corte in Mexico |
| Available balance | saldo disponible | |
| Average balance | saldo promedio | Saldo medio in Spain |
| Deposit | depósito | Ingreso in Spain |
| Withdrawal | retiro | Reintegro or retirada in Spain |
| Charge, debit | cargo | Also débito |
| Credit | abono | Also crédito |
| Fee | comisión | Service charge: cargo por servicio |
| Overdraft | sobregiro | Descubierto in Spain |
| Insufficient funds | fondos insuficientes | |
| Check | cheque | |
| Transfer | transferencia | |
| Direct deposit | depósito directo | |
| Interest | intereses | Interest earned: intereses ganados |
| Transaction | movimiento | Also transacción or operación |
| Pending | pendiente | |
| ATM | cajero automático | |
| Debit card | tarjeta de débito | |
| Branch | sucursal | Oficina is common in Spain |
Two words trip up a lot of English speakers:
- Balance in Spanish usually means a balance sheet or an overall assessment, not the money in your account. On a statement, the word you want is saldo.
- Crédito often means a loan or a line of credit. For money added to your account, statements usually say abono.
Regional notes
- Mexico. Statements commonly split transactions into cargos (money out) and abonos (money in). Transfers between banks use an 18-digit account number called the CLABE and often appear as SPEI transfers.
- Spain. Look for extracto, movimientos (transactions), ingreso (deposit), reintegro (cash withdrawal), recibo (a bill paid by direct debit), descubierto (overdraft), and your IBAN, the international account number used across Europe.
- Argentina. The statement is a resumen de cuenta, a savings account is usually a caja de ahorro, and transfers use a 22-digit number called the CBU.
- Chile. The statement is a cartola, and a checking account is a cuenta corriente.
- United States. Spanish-language banking materials typically use estado de cuenta, cuenta de cheques, número de ruta, and depósito directo. Transaction descriptions and codes such as ACH or POS often stay in English, because they come from payment networks and merchants.
Example sentences
| English | Spanish |
|---|---|
| I need a copy of my bank statement. | Necesito una copia de mi estado de cuenta. |
| Can you send me my statements for the last three months? | ¿Me puede enviar mis estados de cuenta de los últimos tres meses? |
| There’s a charge on my statement that I don’t recognize. | Hay un cargo en mi estado de cuenta que no reconozco. |
| The ending balance doesn’t match my records. | El saldo final no coincide con mis registros. |
| Why was I charged this fee? | ¿Por qué me cobraron esta comisión? |
| Where can I download my statement in the app? | ¿Dónde puedo descargar mi estado de cuenta en la aplicación? |
| I’d like to receive my statements in Spanish. | Quisiera recibir mis estados de cuenta en español. |
| (Spain) Can you print a statement of last month’s transactions? | ¿Me puede imprimir un extracto de los movimientos del último mes? |
These use usted, the formal “you,” which is the safe choice when you talk to a bank.
Getting your bank statement in Spanish
Many US banks offer online banking, apps, and customer service in Spanish. Whether the statement itself comes in Spanish depends on the bank: some can send statements in Spanish, while others translate the website and app but keep statements in English. Check your language settings or ask customer service. The account information is the same either way. For where to find your statements, see how to get a bank statement.
Translating a bank statement for official use
If a government agency needs a statement that isn’t in its language, it may require a certified translation. US Citizenship and Immigration Services (USCIS), for example, requires a foreign-language document to come with a full English translation that the translator certifies as complete and accurate, along with the translator’s certification that they’re competent to translate from that language into English. Courts, consulates, and agencies in other countries set their own rules, and some accept only sworn or officially approved translators.
This isn’t legal advice, but a few practical points apply almost everywhere:
- Read the agency’s instructions before you order a translation.
- Translate the complete statement unless you’re told otherwise.
- Submit the translation together with a copy of the original statement.
- Never change the original. Altering a bank statement is fraud, even if the change seems minor.
For immigration matters, an immigration attorney or an accredited representative can tell you exactly what’s required.
Working with statement data
It can be easier to review transactions in a spreadsheet, where you can add a column for notes or translated descriptions. If you have a PDF statement from a US bank, our converter exports its transactions to Excel or CSV. To understand each section of the statement, see what is a bank statement.