Visiting a bank is a common part of daily life. People go to the bank to open an account, solve ATM problems, or take care of other money-related work. To make things easy and clear, it is helpful to know the right words, phrases, and polite ways to speak. This is especially important when talking in English. Learning how to talk to bank staff in a simple and respectful way which can save time and avoid confusion. An English speaking course can help you learn these useful words and sentences so you can feel more confident while visiting the bank.
Words Related to Banking
Let us learn some words related to banking. These words are useful when visiting a bank branch.
- Collateral
English Meaning: Valuable things kept with the bank for loan safety.
Hindi Meaning: Loan की सुरक्षा के लिए गिरवी रखी गई संपत्ति।
Example: He offered his property as collateral for the loan.
- Overdraft
English Meaning: Permission to take out more money than what is in your account.
Hindi Meaning: वह सुविधा जिसमें आप खाते में मौजूद राशि से अधिक पैसे निकाल सकते हैं।
Example: The bank offers an overdraft facility up to ₹50,000.
- Moratorium
English Meaning: A short break from paying your loan or dues.
Hindi Meaning: कुछ समय के लिए loan या भुगतान रोकने की permission
Example: The bank granted a six-month moratorium during the crisis.
- Passbook
English Meaning: A physical record of all transactions in a bank account.
Hindi Meaning: खाते के लेन-देन का record
Example: Please update your passbook at the bank counter.
- Fixed Deposit (FD)
English Meaning: Money kept in the bank for a set time at a fixed interest rate.
Hindi Meaning: तय समय और तय ब्याज पर बैंक में पैसा जमा करना
Example: She invested ₹1 lakh in a one-year fixed deposit.
Common Phrases Used in Banks
If we ever face a problem with our card, we may need to write an atm issue application and knowing the right phrases makes it easier to explain our problem clearly. Let us now learn the meanings of some useful banking related phrases.
- National Electronic Funds Transfer (NEFT)
English Meaning: A nationwide system to transfer funds electronically between banks.
Hindi Meaning: Banks के बीच पैसे भेजने का एक आसान और online तरीका
Example: I used NEFT to send ₹10,000 to my friend’s account.
- Real-Time Gross Settlement (RTGS)
English Meaning: A system for high-value fund transfers that are settled instantly.
Hindi Meaning: तुरंत एक bank से दूसरे bank में पैसे भेजने का आसान तरीका
Example: He transferred ₹5 lakhs through RTGS for his property payment.
- Indian Financial System Code (IFSC)
English Meaning: A unique code that identifies a bank branch for electronic transfers.
Hindi Meaning: किसी bank की खास शाखा को पहचानने वाला code
Example: To complete the NEFT transfer, I need the IFSC code of the beneficiary’s branch.
- Immediate Payment Service (IMPS)
English Meaning: A real-time, 24×7 service for instantly transferring funds.
Hindi Meaning: पैसे तुरंत भेजने की सेवा, जो दिन-रात कभी भी चलती है
Example: I used IMPS to pay the bill late at night.
- Unified Payments Interface (UPI)
English Meaning: A digital payment platform that allows instant money transfer via mobile apps.
Hindi Meaning: Mobile app से तुरंत पैसे भेजने का तरीका
Example: She paid the shopkeeper using UPI through her phone.
Banking Idioms and Expressions
Now we have already learned some words and phrases related to banking, so let us now learn a few idioms too. If we need to explain an atm issue today, using the right idiom for banking can help us express ourselves more clearly and confidently.
Break the bank
English Meaning: To cost too much
Hindi Meaning: बहुत महंगा होना
Example: Buying that car won’t break the bank.
In the red
English Meaning: Having a negative account balance
Hindi Meaning: घाटे में होना
Example: His account is in the red after shopping.
In the black
English Meaning: Having a positive balance or making a profit
Hindi Meaning: Profit में होना
Example: The company is finally in the black.
Cash in hand
English Meaning: Money available right now
Hindi Meaning: जेब में तुरंत इस्तेमाल करने लायक पैसे
Example: I don’t use cards often, I prefer cash in hand.
Penny-wise, pound-foolish
English Meaning: Saving small amounts but losing bigger amounts later
Hindi Meaning: छोटी बचत, बड़ा नुकसान
Example: Ignoring bank fees is being penny-wise, pound-foolish.
Bank Conversation in English Between a Customer and Bank Employee
Let us read a brief conversation between a customer and bank staff. This shall also improve your English and make you feel more confident while asking about banking services.
Customer: Good morning. I would like to open a savings account.
शुभ प्रभात। मैं एक बचत खाता खोलना चाहता/चाहती हूँ।
Staff: Good morning! Sure. Could you please fill out this form and provide your ID and address proof?
शुभ प्रभात! ज़रूर। कृपया यह form भरें और अपनी पहचान और पता प्रमाण दें।
Customer: Yes, here are the documents.
जी हाँ, ये रहे documents.
Staff: Thank you. It will take about 10 minutes. Do you need an ATM card as well?
धन्यवाद। इसमें लगभग 10 मिनट लगेंगे। क्या आपको ATM card भी चाहिए?
Customer: Yes, I’d like to get one. Also, my friend told me there’s a mobile app for opening a bank account online.
हाँ, मुझे एक ATM card चाहिए। और मेरे दोस्त ने बताया कि bank खाता online खोलने के लिए एक mobile app भी है।
Staff: Yes, we have an app. Once your account is created, I’ll help you register for mobile banking.
हाँ, हमारे पास mobile app है। खाता बनने के बाद मैं आपको mobile banking के लिए registration में मदद करूंगा/करूंगी।
Customer: My ATM card isn’t working in the machine.
मेरा ATM card machine में काम नहीं कर रहा है।
Staff: I’m sorry for the inconvenience. I will check if your card is active. If needed, we will issue a replacement.
असुविधा के लिए खेद है। मैं जांचता/जांचती हूँ कि आपका card active है या नहीं। ज़रूरत पड़ने पर हम नया card जारी करेंगे।
Customer: I forgot my ATM PIN. What should I do?
मैं अपना ATM PIN भूल गया/गई हूँ। मुझे क्या करना चाहिए?
Staff: You can reset your PIN at the ATM or we can assist you here at the counter.
आप ATM पर अपना PIN reset कर सकते हैं या हम यहाँ counter पर आपकी मदद कर सकते हैं।
Customer: I want to update my mobile number.
मैं अपना mobile number update करना चाहता/चाहती हूँ।
Staff: Please fill this mobile number update form and submit your ID proof.
कृपया यह mobile number update form भरें और अपना पहचान पत्र जमा करें।
Customer: I need a statement of my last 3 months.
मुझे पिछले तीन महीनों का bank statement चाहिए।
Staff: You can get it printed here or download it through internet banking.
आप इसे यहाँ से print करवा सकते हैं या internet banking से download कर सकते हैं।
Customer: How can I activate internet banking?
मैं internet banking कैसे active कर सकता/सकती हूँ
Staff: We will send an activation link to your registered mobile number and email.
हम आपके registered mobile number और email पर activation link भेजेंगे।
Customer: I want to deposit cash into my account.
मैं अपने खाते में cash जमा करना चाहता/चाहती हूँ।
Staff: Sure. Please fill the deposit slip and go to counter number 3.
ज़रूर। कृपया यह deposit slip भरें और counter number 3 पर जाएँ।
Customer: Thank you so much for your help.
आपकी मदद के लिए बहुत धन्यवाद
Staff: Have a nice day.
आपका दिन शुभ हो।
How Customers Can Politely Ask Their Queries
When visiting a bank, it’s important for customers to ask their questions in a polite and clear way. Let us learn some simple and respectful ways customers can ask their queries.
Could you please explain to me opening a bank account process?
क्या आप मुझे bank account खोलने की प्रक्रिया बता सकते हैं?
I have a question regarding my ATM card.
मुझे अपने ATM card से संबंधित एक सवाल है।
Can I speak to the manager, please?
क्या मैं manager से बात कर सकता/सकती हूँ?
May I know the balance in my account?
क्या मैं अपने खाते का balance जान सकता/सकती हूँ?
Is there any charge for this service?
क्या इस सेवा के लिए कोई charge है?
Best Practices for Bank Staff When Responding to Customer Queries
Responding to queries with patience, respect, and clear communication builds trust and avoids confusion. Below are some best practices for bank staff when replying to customer questions.
I understand your concern. Let me check it for you.
मैं आपकी चिंता को समझता/समझती हूँ। कृपया रुकें, मैं इसे जांचता/जांचती हूँ।
I’m really sorry for the inconvenience. I’ll do my best to resolve this quickly.
असुविधा के लिए क्षमा करें। मैं इसे जल्द से जल्द हल करने की पूरी कोशिश करूंगा/करूंगी।
I can see why that would be frustrating. Let me explain what happened.
मैं समझ सकता/सकती हूँ कि यह निराशाजनक हो सकता है। मैं आपको बताता/बताती हूँ कि क्या हुआ।
I’m listening. Please tell me everything so I can help you better.
मैं सुन रहा/रही हूँ। कृपया पूरी बात बताएं ताकि मैं बेहतर सहायता कर सकूं।
I’ll make sure this is taken care of. Thank you for bringing it to our attention.
मैं ध्यान रखूंगा/रखूंगी कि यह ठीक से हो जाए। हमें यह बताने के लिए धन्यवाद।
Gracious Ways Customers Can Thank Bank Staff
When you are dealing with a bank issue complaint, a few kind words to staff can make interactions more pleasant and respectful. Following are some gracious ways customers can thank bank staff politely and warmly.
Thank you so much for your help today.
आज मदद के लिए आपका बहुत-बहुत धन्यवाद।
I really appreciate the way you handled my issue.
आपने जिस तरह से मेरी समस्या का समाधान किया, मैं उसकी सराहना करता/करती हूँ।
You’ve been very patient and kind. Thank you!
आप बहुत धैर्यवान और विनम्र रहे। धन्यवाद!
I’m grateful for your quick assistance.
आपकी सहायता के लिए मैं आभारी हूँ।
Thanks a lot. It was a great experience dealing with you.
बहुत-बहुत धन्यवाद। आपके साथ काम करके अच्छा अनुभव रहा।
Conclusion
Good communication in a bank makes work easier and faster. It helps with opening accounts, solving ATM problems, and asking questions clearly. When customers speak politely and staff reply in a helpful and kind way, it builds understanding and respect. Using simple and clear language saves time and avoids confusion. This makes the visit to the bank smooth and comfortable for everyone. Asking about balance, updating details, or learning to use mobile banking becomes simple when both sides talk clearly and listen carefully. A spoken English course can help improve your communication skills and make these interactions even easier.
