💰 Chinese Money & Banking Vocabulary 钱·支付·银行

92 essential Mandarin Chinese words for the Money & Banking scene, each with pinyin, English meaning, HSK level and native speaker audio, plus example sentences. Tap 🔊 to listen.

节约 jié yuē HSK 3
to economize; to conserve; frugal
我们要节约用水用电。wǒ men yào jié yuē yòng shuǐ yòng diànWe should conserve water and electricity.
租金 zū jīn HSK 6
rent
这套房子的租金太贵了。zhè tào fáng zi de zū jīn tài guì leThe rent for this apartment is too expensive.
花 huā HSK 1
to spend (money/time)
我花了很多钱wǒ huā le hěn duō qiánI spent a lot of money.
省 shěng HSK 2
to save (money, time, effort) · also: province (n.)
坐公交车能省不少钱。zuò gōng jiāo chē néng shěng bù shǎo qiánTaking the bus can save a lot of money.
值 zhí HSK 3
to be worth; value
这块手表值很多钱。zhè kuài shǒu biǎo zhí hěn duō qiánThis watch is worth a lot of money.
保险 bǎo xiǎn HSK 3
insurance; safe; secure
我给这辆车买了一份保险wǒ gěi zhè liàng chē mǎi le yí fèn bǎo xiǎnI bought insurance for this car.
票价 piào jià HSK 3
ticket price, fare
这场电影的票价不贵。zhè chǎng diàn yǐng de piào jià bú guìThe ticket price for this movie isn't expensive.
金 jīn HSK 3
gold; metal; money
这块奖牌是金的吗？zhè kuài jiǎng pái shì jīn de maIs this medal made of gold?
财产 cái chǎn HSK 4
property; assets; estate
健康是最宝贵的财产。jiàn kāng shì zuì bǎo guì de cái chǎnHealth is the most precious asset.
黄金 huáng jīn HSK 4
gold; golden (prime)
这条项链是黄金做的。zhè tiáo xiàng liàn shì huáng jīn zuò deThis necklace is made of gold.
财富 cái fù HSK 4
wealth; riches
健康是人生最大的财富。jiàn kāng shì rén shēng zuì dà de cái fùHealth is the greatest wealth in life.
遗产 yí chǎn HSK 4
heritage; legacy; inheritance
长城是中国重要的文化遗产。cháng chéng shì zhōng guó zhòng yào de wén huà yí chǎnThe Great Wall is an important cultural heritage of China.
节省 jié shěng HSK 4
to save; to economize; to use sparingly
坐地铁能节省不少时间。zuò dì tiě néng jié shěng bù shǎo shí jiānTaking the subway can save a lot of time.
免费 miǎn fèi HSK 4
free (of charge)
这个应用可以免费下载。zhè ge yìng yòng kě yǐ miǎn fèi xià zàiThis app can be downloaded for free.
补偿 bǔ cháng HSK 5
to compensate; to make up for; compensation
公司答应补偿我的损失。gōng sī dā ying bǔ cháng wǒ de sǔn shīThe company promised to compensate for my losses.
赔偿 péi cháng HSK 5
to compensate; to pay damages
公司答应赔偿我的损失。gōng sī dā ying péi cháng wǒ de sǔn shīThe company agreed to compensate my losses.
赔 péi HSK 5
to compensate; to indemnify; to suffer a financial loss
打碎了杯子,他主动要赔钱。dǎ suì le bēi zi tā zhǔ dòng yào péi qiánHaving broken the cup, he offered to pay for it.
资助 zī zhù HSK 5
to subsidize; to fund; financial aid
这家公司资助了很多贫困学生。zhè jiā gōng sī zī zhù le hěn duō pín kùn xué shengThis company has funded many poor students.
经费 jīng fèi HSK 5
funds; budget; expenditure
这个项目的经费不太够。zhè ge xiàng mù de jīng fèi bú tài gòuThe funds for this project aren't quite enough.
支出 zhī chū HSK 5
to spend; to pay out; expenditure; expenses
这个月的支出比收入还多。zhè ge yuè de zhī chū bǐ shōu rù hái duōThis month's expenses are even more than the income.
损失 sǔn shī HSK 5
loss; to lose (suffer damage)
这次事故给公司带来很大损失。zhè cì shì gù gěi gōng sī dài lái hěn dà sǔn shīThis accident brought a huge loss to the company.
补贴 bǔ tiē HSK 5
subsidy; allowance; to subsidize
政府给农民发放了补贴。zhèng fǔ gěi nóng mín fā fàng le bǔ tiēThe government issued subsidies to farmers.
欠 qiàn HSK 5
to owe; to lack
我还欠你一顿饭。wǒ hái qiàn nǐ yí dùn fànI still owe you a meal.
押金 yā jīn HSK 5
deposit; security deposit
租房要先交一个月的押金。zū fáng yào xiān jiāo yí ge yuè de yā jīnTo rent the place you first pay one month's deposit.
实惠 shí huì HSK 5
economical; good value; substantial (benefit)
买这个套餐更实惠一些。mǎi zhè ge tào cān gèng shí huì yì xiēBuying this set meal is more economical.
价 jià HSK 5
price; value
这件商品的价很合理。zhè jiàn shāng pǐn de jià hěn hé lǐThe price of this product is quite reasonable.
税 shuì HSK 6
tax; duty
每个公民都有依法纳税的义务。měi gè gōng mín dōu yǒu yī fǎ nà shuì de yì wùEvery citizen has the obligation to pay taxes according to the law.
利 lì HSK 6
benefit; profit; advantage
这么做对双方都有利。zhè me zuò duì shuāng fāng dōu yǒu lìDoing it this way benefits both sides.
债 zhài HSK 6
debt
他欠了一大笔债，压力很大。tā qiàn le yí dà bǐ zhài yā lì hěn dàHe owes a big debt and is under a lot of pressure.
花费 huā fèi HSK 6
to spend (time or money); expense; cost
这个项目花费了大量的时间和金钱。zhè ge xiàng mù huā fèi le dà liàng de shí jiān hé jīn qiánThis project spent a great deal of time and money.
信用 xìn yòng HSK 6
credit; trustworthiness
这家公司很讲信用。zhè jiā gōng sī hěn jiǎng xìn yòngThis company really values its credit.
补助 bǔ zhù HSK 6
to subsidize; subsidy; allowance
政府每月给他一笔补助。zhèng fǔ měi yuè gěi tā yì bǐ bǔ zhùThe government gives him a subsidy every month.
升值 shēng zhí HSK 6
to rise in value; to appreciate
这套房子几年内升值了不少。zhè tào fáng zi jǐ nián nèi shēng zhí le bù shǎoThis house has appreciated quite a lot within a few years.
生活费 shēng huó fèi HSK 6
cost of living; living expenses
大城市的生活费实在太高了。dà chéng shì de shēng huó fèi shí zài tài gāo leThe cost of living in big cities is really too high.
收取 shōu qǔ HSK 6
to charge; to collect (fees etc)
这家银行收取一定的手续费。zhè jiā yín háng shōu qǔ yí dìng de shǒu xù fèiThis bank charges a certain handling fee.
手续费 shǒu xù fèi HSK 6
service charge; handling/processing fee
跨行转账要收一笔手续费。kuà háng zhuǎn zhàng yào shōu yì bǐ shǒu xù fèiTransferring money between banks incurs a handling fee.
小费 xiǎo fèi HSK 6
tip; gratuity
在美国吃饭一般要给小费。zài měi guó chī fàn yì bān yào gěi xiǎo fèiIn the US, you usually have to leave a tip when eating out.
增值 zēng zhí HSK 6
to appreciate in value; to increase in value
这套房子这几年增值不少。zhè tào fáng zi zhè jǐ nián zēng zhí bù shǎoThis house has appreciated quite a lot in recent years.
房价 fáng jià HSK 6
house price; cost of housing
这个城市的房价太高了。zhè ge chéng shì de fáng jià tài gāo leHouse prices in this city are too high.
钱 qián HSK 1
money (everyday word; actual cash)
这个多少钱？zhè ge duō shao qián?How much is this?
块 kuài HSK 1
yuan (money); piece; chunk
这个苹果三块钱zhè ge píng guǒ sān kuài qiánThis apple costs three yuan.
毛 máo HSK 1
mao (0.1 yuan, 1/10 of a yuan)
这个三块五毛zhè ge sān kuài wǔ máoThis costs three yuan and five mao.
钱包 qián bāo HSK 1
purse; wallet
我的钱包在桌子上wǒ de qián bāo zài zhuō zi shangMy wallet is on the table.
元 yuán HSK 1
yuan (unit of money)
这个十元。zhè ge shí yuánThis is ten yuan.
贵 guì HSK 1
expensive
这件衣服太贵了。zhè jiàn yī fu tài guì leThis piece of clothing is too expensive.
收入 shōu rù HSK 2
income; revenue; to take in
他每个月的收入不高。tā měi ge yuè de shōu rù bù gāoHis monthly income is not high.
角 jiǎo HSK 2
jiao (unit of money, 1/10 yuan); corner
这个苹果五块三角。zhè ge píng guǒ wǔ kuài sān jiǎoThis apple costs five yuan and three jiao.
便宜 pián yi HSK 2
cheap; inexpensive
这件衣服很便宜。zhè jiàn yī fu hěn pián yiThis piece of clothing is very cheap.
卡 kǎ HSK 2
card (bank card, etc.)
我可以用卡付钱吗？wǒ kě yǐ yòng kǎ fù qián maCan I pay by card?
信用卡 xìn yòng kǎ HSK 2
credit card
我想用信用卡付钱。wǒ xiǎng yòng xìn yòng kǎ fù qiánI want to pay with a credit card.
银行卡 yín háng kǎ HSK 2
bank card; debit card
我用银行卡付钱。wǒ yòng yín háng kǎ fù qiánI pay with a bank card.
银行 yín háng HSK 2
bank
我要去银行取钱。wǒ yào qù yín háng qǔ qiánI want to go to the bank to withdraw money.
价格 jià gé HSK 3
price (formal: market or official price)
这件衣服的价格太高了。zhè jiàn yī fu de jià gé tài gāo leThe price of this piece of clothing is too high.
付 fù HSK 3
to pay; to hand over
这顿饭我来付。zhè dùn fàn wǒ lái fùI'll pay for this meal.
资金 zī jīn HSK 3
funds; capital
开公司需要很多资金。kāi gōng sī xū yào hěn duō zī jīnStarting a company needs a lot of funds.
美元 měi yuán HSK 3
US dollar; American dollar
这台电脑要八百美元。zhè tái diàn nǎo yào bā bǎi měi yuánThis computer costs eight hundred US dollars.
费 fèi HSK 3
fee; expenses; to spend; to consume
这台电脑很费电。zhè tái diàn nǎo hěn fèi diànThis computer consumes a lot of electricity.
现金 xiàn jīn HSK 3
cash
这家店只收现金。zhè jiā diàn zhǐ shōu xiàn jīnThis shop only accepts cash.
存 cún HSK 3
to deposit; to store; to keep
我想把钱存进银行。wǒ xiǎng bǎ qián cún jìn yín hángI want to deposit the money in the bank.
费用 fèi yòng HSK 3
cost; expense; expenditure
这次旅行的费用一共两千块。zhè cì lǚ xíng de fèi yòng yí gòng liǎng qiān kuàiThe cost of this trip is two thousand yuan in total.
支付 zhī fù HSK 3
to pay (money)
你可以用手机支付。nǐ kě yǐ yòng shǒu jī zhī fùYou can pay with your phone.
收费 shōu fèi HSK 3
to charge a fee
这个停车场收费吗?zhè ge tíng chē chǎng shōu fèi maDoes this parking lot charge a fee?
价钱 jià qian HSK 3
price (colloquial: what you pay, haggle over)
这件衣服的价钱不太贵。zhè jiàn yī fu de jià qian bú tài guìThe price of this piece of clothing isn't too expensive.
人民币 rén mín bì HSK 3
Renminbi (RMB); Chinese yuan
这里可以用人民币付款吗zhè li kě yǐ yòng rén mín bì fù kuǎn maCan I pay in renminbi here?
交费 jiāo fèi HSK 3
to pay a fee
请到前台去交费qǐng dào qián tái qù jiāo fèiPlease go to the front desk to pay the fee.
汇 huì HSK 4
to remit (money); to converge
他每个月给家里汇一笔钱。tā měi ge yuè gěi jiā li huì yì bǐ qiánHe remits a sum of money home every month.
美金 měi jīn HSK 4
US dollar
这台电脑要一千美金。zhè tái diàn nǎo yào yì qiān měi jīnThis computer costs a thousand US dollars.
利息 lì xī HSK 4
interest (on a loan or deposit)
这家银行的存款利息比较高。zhè jiā yín háng de cún kuǎn lì xī bǐ jiào gāoThe interest on deposits at this bank is fairly high.
高价 gāo jià HSK 4
high price
他用高价买下了那幅画。tā yòng gāo jià mǎi xià le nà fú huàHe bought that painting at a high price.
降价 jiàng jià HSK 4
to cut the price; to get cheaper
这款手机最近降价了。zhè kuǎn shǒu jī zuì jìn jiàng jià leThe price of this phone has dropped recently.
外汇 wài huì HSK 4
foreign exchange; foreign currency
去银行可以兑换外汇。qù yín háng kě yǐ duì huàn wài huìYou can exchange foreign currency at the bank.
汇率 huì lǜ HSK 4
exchange rate
今天美元的汇率涨了一点。jīn tiān měi yuán de huì lǜ zhǎng le yì diǎnThe exchange rate of the US dollar rose a little today.
贷款 dài kuǎn HSK 5
a loan; to provide/take out a loan
他向银行申请了一笔贷款。tā xiàng yín háng shēn qǐng le yì bǐ dài kuǎnHe applied to the bank for a loan.
存款 cún kuǎn HSK 5
bank savings; deposit; to deposit money
他在银行有一大笔存款。tā zài yín háng yǒu yí dà bǐ cún kuǎnHe has a large sum of savings in the bank.
挣钱 zhèng qián HSK 5
to earn money (through one's labor)
他每天加班就是为了多挣钱tā měi tiān jiā bān jiù shì wèi le duō zhèng qiánHe works overtime every day just to earn more money.
涨价 zhǎng jià HSK 5
to rise in price; price increase
最近蔬菜又涨价了zuì jìn shū cài yòu zhǎng jià leVegetables have gone up in price again recently.
物价 wù jià HSK 5
(commodity) prices
这几年物价涨得很快。zhè jǐ nián wù jià zhǎng de hěn kuàiPrices have risen fast these past few years.
汇款 huì kuǎn HSK 5
to remit money; to send money (via bank)
我下午去银行给他汇款。wǒ xià wǔ qù yín háng gěi tā huì kuǎnI'll go to the bank this afternoon to remit money to him.
赚钱 zhuàn qián HSK 6
to make money, turn a profit (in business)
他做小生意赚钱养家。tā zuò xiǎo shēng yi zhuàn qián yǎng jiāHe earns money by doing small business to support his family.
账户 zhàng hù HSK 6
account (bank or online)
请把钱转到我的账户里。qǐng bǎ qián zhuǎn dào wǒ de zhàng hù lǐPlease transfer the money to my account.
金钱 jīn qián HSK 6
money, wealth (abstract, literary)
金钱买不到真正的幸福。jīn qián mǎi bú dào zhēn zhèng de xìng fúMoney can't buy real happiness.
金额 jīn é HSK 6
sum of money; monetary amount
请核对一下付款的金额。qǐng hé duì yí xià fù kuǎn de jīn éPlease verify the payment amount.
账 zhàng HSK 6
account; bill; debt
今天这顿饭我来结账。jīn tiān zhè dùn fàn wǒ lái jié zhàngI'll settle the bill for this meal today.
赚 zhuàn HSK 6
to earn; to make a profit; to gain
他做生意赚了不少钱。tā zuò shēng yi zhuàn le bù shǎo qiánHe made quite a lot of money doing business.
理财 lǐ cái HSK 6
to manage finances; money management
他很懂得如何理财。tā hěn dǒng de rú hé lǐ cáiHe knows well how to manage his finances.
取款 qǔ kuǎn HSK 6
to withdraw money
我去银行取款，很快就回来。wǒ qù yín háng qǔ kuǎn hěn kuài jiù huí láiI'm going to the bank to withdraw money and will be back soon.
取款机 qǔ kuǎn jī HSK 6
ATM; cash machine
附近有没有取款机？fù jìn yǒu méi yǒu qǔ kuǎn jīIs there an ATM nearby?
省钱 shěng qián HSK 6
to save money; to economize
为了省钱，她自己做饭吃。wèi le shěng qián tā zì jǐ zuò fàn chīTo save money, she cooks her own meals.
外币 wài bì HSK 6
foreign currency
出国前我去银行兑换了一些外币。chū guó qián wǒ qù yín háng duì huàn le yì xiē wài bìBefore going abroad I went to the bank to exchange some foreign currency.
定价 dìng jià HSK 6
to set a price; fixed price
这款手机的定价有点偏高。zhè kuǎn shǒu jī de dìng jià yǒu diǎn piān gāoThe price of this phone is a bit on the high side.
浪费 làng fèi HSK 3
to waste; to squander
别浪费时间了，快点走吧。bié làng fèi shí jiān le kuài diǎn zǒu baStop wasting time, let's hurry up and go.
亏 kuī HSK 5
to lose (money); luckily; fortunately (that...)
亏你提醒我，不然就迟到了。kuī nǐ tí xǐng wǒ bù rán jiù chí dào leLuckily you reminded me, otherwise I'd have been late.

FAQ

How many Chinese money & banking words are in this list?

92 words, including HSK 1: 7, HSK 2: 8, HSK 3: 19, HSK 4: 13, HSK 5: 19, HSK 6: 26. Every word has playable native audio and example sentences.

Are these words useful for the HSK?

Yes — every word is tagged with its HSK level (HSK 1–6 or 7+), so you can prioritise words for your target level.

What is the best way to memorise them?

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