Spanish Lessons


Banking Vocabulary

Have you ever found yourself in a foreign country and needing to do some banking other than just using an ATM? Here's a useful list of Spanish banking vocabulary.
The Spanish word for "bank" is banco. Occasionally, you may hear people using the expressions institución bancaria (banking institution) or entidad bancaria (banking entity) as well, but these two are more commonly used in written documents:

Las condiciones, mm... no se las acepta, eh... o no se las concede la entidad bancaria.

The conditions, mm... are not accepted, um... or are not granted by the banking entity.

Captions 56-57, 75 minutos - Gangas para ricos - Part 12

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Note that in Spanish el banco (the bank) is not the same as la banca (banking), a feminine noun you can hear or read quite often if you follow Spanish-speaking world news. Here’s an example:
El candidato a la presidencia de México afirmó que "la banca es uno de los mejores negocios del país".
The candidate for the presidency of Mexico affirmed that "banking is one of the best businesses in the country."
In Spanish the acronym ATM is rarely used. Instead, Spanish speakers use the expression cajero automático (automatic cashier), which is frequently shortened to cajero.

¡Oh! ¿Dónde está el cajero automático?

Oh! Where's the ATM?

Caption 36, Natalia de Ecuador - Palabras de uso básico

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As in English, the word cajero or cajera (cashier) is also used to refer to the person who handles the caja (cash register, literally "box"). This word can be used anywhere a financial transaction takes place—at stores, banks, entertainment venues, and even zoquitos clubs:

Hay días que la caja tiene más zoquitos que euros? -No.

Are there days when the register has more zoquitos than euros? -No.

Caption 70, 75 minutos - Gangas para ricos - Part 5

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Finalmente, debes ir a la caja y pagar lo que quieras comprar.

Finally, you should go to the cash register and pay for whatever you want to buy.

Captions 40-41, Raquel Haciendo compras

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In Spanish as in English, if a cash register is located behind a glass wall or a small window, you may call it ventanilla (window); hence the use of expressions such as pague en ventanilla (pay at the window) or pase a ventanilla 8 (go to window 8). In movie theaters, for example, you may hear people say ventanilla instead of taquilla (box office) quite often. Of course, sometimes a ventanilla is just a window:

¿Y quiere asiento de ventanilla o de pasillo?

And do you want a window or aisle seat?

Caption 36, Raquel - La Compra de un Billete de Tren

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The word depósito means "deposit," and depositar means "to make a deposit." Some useful expressions are: quiero hacer un depósito or quiero depositar (I want to make a deposit, I want to deposit). And the same formula applies for transferencia (transfer), giro (wire), and retiro (withdrawal).
The word for "currency" is moneda (which also means "coin"):

"Zoquitos" es una... una red de moneda local.

"Zoquitos" is a... a network of local currency.

Caption 23, 75 minutos - Gangas para ricos - Part 2

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The word divisa means "foreign currency." To ask for a currency conversion, you can say quiero hacer un cambio de divisas (I want to make a currency exchange). However, for a more colloquial touch, use something like quiero cambiar dólares a pesos (I want to exchange dollars for pesos).
To learn more about financial terms, try our series Cuentas claras.


Using Subjunctive after Conjunctions of Time

The Spanish subjunctive is used in adverb clauses when the action described in the clause is anticipated or hypothetical (a reservation, a condition not yet met, a mere intention). Adverb clauses are sentences that function as adverbs in compound sentences: 


Organizaremos una fiesta / cuando mi esposo regrese de su viaje.
We will organize a party / when my husband comes back from his trip.


In the previous example, the main clause is organizaremos una fiesta and its verb (organizaremos) is in the indicative mood, future tense. However, the adverb clause that modifies that verb (in this case, establishing a condition of time for the action to happen) must use regrese, the subjunctive form of the verb regresar (to come back). Adverb clauses like this one are usually introduced by conjunctions, which you can use to identify the type of clause that it's being used. The previous sentence, for example, uses the conjunction cuando (when) to introduce the adverb clause. The word cuando is a conjunction of time, just like después (after). These conjunctions are used with the subjunctive to express anticipated circumstances, that is, a future occurrence not yet met. Let's study some examples from our catalog of authentic videos.


An example with the conjunction cuando (when):


pues no quiere deberle nada a nadie cuando llegue a la presidencia.

because he doesn't want to owe anything to anyone when he reaches the presidency.

Caption 23, Andrés Manuel López Obrador - En campaña

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An example with the conjunction hasta (until), which must be combined with the pronoun que (that):


Yo mantendré esa tradición hasta que me muera.

I will keep this tradition until the day I die.

Caption 66, Estado Falcón - Locos de la Vela

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Here's an example with the conjunction siempre (always), which combined with the pronoun que (that) means "whenever" or "as long as." Pay attention, the word order has been changed, so the main clause appears at the end.


Pero siempre que sea posible,

But whenever it is possible,

recurriremos a un fotógrafo profesional.

we'll turn to a professional photographer.

Caption 27, Raquel y Marisa - Español Para Negocios - Introducción

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Now, that doesn't mean that you should always use subjunctive after conjunctions of time. You must use it only when you are talking about actions anticipated to occur in the future. If, for example, the conjunction is used to introduce an adverb clause that refers to actions in the past or in progress, known facts or habits, you must use the indicative. Let's see examples:


An example where you don't use subjunctive after the conjunction cuando (when):


Lo primero que hago cuando voy de compras

The first thing that I do when I go shopping 

es mirar los escaparates.*

is to look at the display windows.

Captions 3-4, Raquel - Haciendo compras

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*Another common word order could be: Lo primero que hago es mirar los escaparates cuando voy de compras.


Now, an example where you don't use subjunctive after hasta que (until):


Hay policías desde que salgo de mi casa hasta que entro al Tec.

There are police from when I leave my house until I enter the Tech.

Caption 67, Alumnos extranjeros del - Tec de Monterrey

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And here's and example with the conjunction siempre (always) combined with the pronoun que (that) that doesn't use subjunctive either.


Entonces, yo siempre que estaba en Lima no los encontraba.*

So, every time I was in Lima, I didn't meet up with them.

Caption 9, Gonzalo el Pintor - Vida

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 *Again, the main clause appears at the end of the sentence here, but you can easily change the word order: Entonces, yo no los encontraba siempre que estaba en Lima.


Summarizing: the subjunctive is used after conjunctions of time (such as cuandohasta quesiempre que, etc.) only when you want to express anticipated circumstances, that is, a future occurrence not yet met (anyway, strictly speaking future is always hypothetical, right?). For your reference, other conjunctions of time that use subjunctive are después de que (after), mientras que (while, as long as), tan pronto que (as soon as), antes de que (before), and en cuanto (as soon as). So remember to always use subjunctive after them if you want to talk about anticipated circumstances. There is only one exception that applies to después de que (after), antes de que (before), and hasta que (until): you can get away with using a verb in infinitive (ending in -ar, -er, -ir) instead of subjunctive if you get rid of the pronoun que (that). Check the following examples:


Voy a bañarme después de hacer ejercicio.
I'm going to shower after I exercise.

Escribiré un libro antes de morir.
I will write a book before I die.

No me voy hasta hablar contigo.
I'm not leaving until I speak with you.


Of course, you can also use the subjunctive by adding the pronoun que. Here are the equivalent sentences for the examples above:


Voy a bañarme después de que haga ejercicio.
I'm going to shower after I exercise.

Escribiré un libro antes de que me muera.
I will write a book before I die.

No me voy hasta que hable contigo.
I'm not leaving until I speak with you.


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