BANKING – BANKOWOŚĆ

banking – bankowość
bank account – konto bankowe
to open a bank account – otworzyć konto w banku
to pay money into an account – wpłacić pieniądze na konto
to take money from an account – podjąć pieniądze z konta
to withdraw money from an account – wycofać pieniądze z konta
to close an account – zamknąć konto
to transfer money to an account – przelać pieniądze na konto
to overdraw one’s account – zrobić debet na koncie
current account – rachunek bieżący
savings account – rachunek oszczędnościowy
credit account – rachunek kredytowy
to be in the red/ have an overdraft – być na minusie
to be in the black – być na plusie
deposit account – konto terminowe
loan – pożyczka
credit – kredyt
credit repayment – spłata kredytu
Internet banking – bankowość internetowa
balance – saldo
gross – brutto
net – netto
debit – debet
overdrawn – przekroczony
money transfer abroad – przelew pieniędzy za granicę
mortgage – hipoteka
bonds, securities – papiery wartościowe
interest – odsetki
interest rate – stopa procentowa
withdrawal – podjęcie pieniędzy
signature – podpis
bank charges – prowizja bankowa
bank manager – dyrektor banku
cashier – kasjer, kasjerka
branch – filia, oddział
opening hours – godziny otwarcia
to withdraw (money) – wypłacić
to cash a cheque – zrealizować czek
to invest in sth – inwestować

I found a part time job in a restaurant so I decided to open a bank account to save some money for the next holiday. I went to the bank which has branches in the majorities of large cities in Poland. They advised me to open a deposit account but I prefer a current one as I can withdraw money whenever I feel like to. The bank charges are not as low as in the Internet banking but they are acceptable. They send me the balance at the end of the month so I always know how much money I have and what the interest is like. If my account is not overdrawn I will be able to take a loan in the future. I am also thinking about buying my own flat so when the interest rate is lower I will probably apply for a credit.