Learning a new language involves immersing yourself in various topics and subject areas. Amongst the most practical and essential is the field of banking and finance, especially if you plan to travel or do business in a Czech-speaking country. Here is a selection of key banking and financial vocabulary in Czech that will help you navigate financial conversations and transactions with confidence.

Banka
The Czech word for bank. It refers to a financial institution that provides various services such as holding deposits, providing loans, and offering investment products.
Mám účet u dvou různých bank.

Účet
This term describes an account, which can be a current (checking), savings, or any type of banking account where transactions are recorded.
Chtěl bych založit nový spořicí účet.

Měna
Currency or money, the system of money used in a particular country.
Jakou měnu používají v této zemi?

Vklad
Meaning deposit, this is any amount of money put into a bank account.
Chtěl bych provést vklad na můj účet, prosím.

Výběr
This is the Czech word for withdrawal – the act of taking money out of a bank account.
Potřebuju udělat výběr z mého běžného účtu.

Bankomat
ATM or cash machine where customers can perform financial transactions without needing to visit a bank branch.
Kde se nachází nejbližší bankomat?

Převod
Refers to a transfer, usually of money from one account to another.
Potřebuji udělat převod peněz na jiný účet.

Úrok
Interest, either paid on savings or charged on a loan or credit.
Jaká je úroková sazba na půjčky v této bance?

Půjčka
Loan, an amount of money that is borrowed, often from a bank, which is expected to be paid back with interest.
Zvažujeme vzít si půjčku na koupi domu.

Hypotéka
Mortgage, a loan specifically for buying property where the property itself is used as collateral.
Platíme hypotéku už patnáct let.

Investice
An investment, this refers to money committed or property acquired for future income.
Investoval jsem do několika dluhopisů a akcií.

Akcie
Stock or share, which represents part ownership of a company and entitles the shareholder to a portion of the profits.
Stálo by za to investovat do akcií této firmy?

Dluhopis
Bond, a debt security where an investor loans money to an entity which borrows the funds for a defined period at a variable or fixed interest rate.
Dluhopisy jsou obvykle považovány za bezpečnější investici než akcie.

Pojistka
Insurance, a financial product that provides protection against certain risks, such as loss, damage, illness, or death.
Mám sjednanou životní pojistku.

Kurz
Exchange rate, which is the rate at which one currency will be exchanged for another.
Musíme se podívat na aktuální kurz dolaru proti koruně.

Bilance
Balance refers to the amount of money present in an account at any point in time.
Můžete mi říct zůstatek na mé kartě?

Mastering this banking and financial Czech vocabulary will not just expand your language skills but also prepare you for engaging confidently in financial matters, whether you’re seeking to save, spend, invest, or simply carry out everyday transactions in a Czech-speaking environment.