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GlossaryEnglish · Español
Bank Statement in Spanish — Complete Bilingual Glossary
How to say bank statement in Spanish, regional variations across 7 countries, and a full English-to-Spanish glossary of 60+ banking terms — with the abbreviations that appear on actual statements.
March 13, 2026 · 6 min read
Quick answer
Bank statement in Spanish = "estado de cuenta" (Mexico, USA, Latin America) or "extracto bancario" (Spain, Colombia). In Chile it's "cartola bancaria". In Argentina: "resumen de cuenta". The most widely understood term globally is estado de cuenta.
How to say "bank statement" in Spanish by country
The term varies by region. Here's what each country uses and which banks use that term:
| Country / Region | Spanish term | Notes |
|---|---|---|
| Mexico | Estado de cuenta | Most common term. Used by BBVA México, Banorte, Santander MX, HSBC MX. |
| Spain | Extracto bancario | Standard in Spain. Also: 'extracto de cuenta' or 'resumen de cuenta'. |
| Argentina | Resumen de cuenta | Used by Banco Galicia, Banco Nación, BBVA Argentina. |
| Colombia | Extracto bancario | Used by Bancolombia, Banco de Bogotá, Davivienda. |
| Chile | Cartola bancaria | Cartola is Chile-specific — used by Banco de Chile, Santander CL, BCI. |
| Peru | Estado de cuenta | Used by BCP, Interbank, BBVA Perú. |
| Venezuela | Estado de cuenta | Same as Mexico. Used by Banco de Venezuela, Banesco. |
| USA (Spanish) | Estado de cuenta | Used by US banks for Spanish-language statements (Wells Fargo, Chase, BofA). |
Full English–Spanish banking glossary
Every term you'll encounter on a bank statement, organized by category:
Core terms
| English | Español |
|---|---|
| Bank statement | Estado de cuenta / Extracto bancario |
| Checking account | Cuenta corriente / Cuenta de cheques |
| Savings account | Cuenta de ahorros |
| Account number | Número de cuenta |
| Routing number | Número de ruta / Número ABA |
| Account holder | Titular de la cuenta / Cuentahabiente |
| Joint account | Cuenta conjunta / Cuenta mancomunada |
| Statement date | Fecha del estado de cuenta |
| Statement period | Período del estado de cuenta |
Balances
| English | Español |
|---|---|
| Balance | Saldo |
| Account balance | Saldo de la cuenta |
| Available balance | Saldo disponible |
| Pending balance | Saldo pendiente |
| Opening balance | Saldo inicial / Saldo de apertura |
| Closing balance | Saldo final / Saldo de cierre |
| Minimum balance | Saldo mínimo |
Transactions
| English | Español |
|---|---|
| Transaction | Transacción / Operación |
| Deposit | Depósito |
| Withdrawal | Retiro / Extracción |
| Transfer | Transferencia |
| Direct deposit | Depósito directo |
| Wire transfer | Transferencia bancaria / Giro bancario |
| Debit | Débito / Cargo |
| Credit | Crédito / Abono |
| Payment | Pago |
| Recurring payment | Pago recurrente / Cargo automático |
| Refund | Reembolso / Devolución |
| Check | Cheque |
| Returned check | Cheque rechazado / Cheque devuelto |
| Point of sale (POS) | Punto de venta (PDV) |
| ATM withdrawal | Retiro en cajero automático |
Fees & charges
| English | Español |
|---|---|
| Fee | Cargo / Comisión / Tarifa |
| Service charge | Cargo por servicio |
| Monthly fee | Cargo mensual |
| Overdraft fee | Cargo por sobregiro |
| NSF fee | Cargo por fondos insuficientes |
| ATM fee | Cargo por uso de cajero |
| Foreign transaction fee | Cargo por transacción en el extranjero |
| Late fee | Cargo por pago tardío |
| Interest | Intereses |
| Annual percentage rate (APR) | Tasa de porcentaje anual (TPA) |
Account events
| English | Español |
|---|---|
| Overdraft | Sobregiro |
| Non-sufficient funds (NSF) | Fondos insuficientes |
| Stop payment | Suspensión de pago / Orden de no pago |
| Account freeze | Congelamiento de cuenta |
| Account closure | Cierre de cuenta |
Credit & loans
| English | Español |
|---|---|
| Credit limit | Límite de crédito |
| Available credit | Crédito disponible |
| Minimum payment | Pago mínimo |
| Due date | Fecha de vencimiento / Fecha límite de pago |
| Loan | Préstamo |
| Mortgage | Hipoteca |
People & accounts
| English | Español |
|---|---|
| Beneficiary | Beneficiario |
| Payable on Death (POD) | Pagadero al fallecimiento |
| Power of attorney | Poder notarial |
| Authorized user | Usuario autorizado |
| Co-owner | Cotitular |
Common abbreviations on bank statements — English and Spanish
These abbreviations appear on both English and Spanish statements. The acronyms are usually the same; the full terms differ:
| Abbr. | English | Español | What it means |
|---|---|---|---|
| ACH | Automated Clearing House | Cámara de Compensación Automatizada | Bank-to-bank electronic transfer |
| APR | Annual Percentage Rate | Tasa de Porcentaje Anual (TPA) | Annual interest rate cost |
| ATM | Automated Teller Machine | Cajero Automático | Cash machine |
| NSF | Non-Sufficient Funds | Fondos Insuficientes | Bounced payment due to low balance |
| POS | Point of Sale | Punto de Venta (PDV) | In-store card payment terminal |
| OD | Overdraft | Sobregiro | Spent more than account balance |
| CR | Credit | Crédito / Abono | Money added to the account |
| DR | Debit | Débito / Cargo | Money taken from the account |
Cargo vs. Abono — the two most important terms
On any Spanish-language bank statement, every transaction is either a cargo or an abono. Getting these backwards is the most common mistake:
Cargo
= Debit / Charge
- Money leaving your account
- Purchase at a store
- Bill payment
- ATM withdrawal
- Fee or commission
Abono
= Credit / Deposit
- Money entering your account
- Salary deposit
- Transfer received
- Refund credited
- Interest earned
How to get your US bank statement in Spanish
Major US banks offer Spanish-language statements at no charge. Here's how to switch at the biggest banks:
Chase
Profile & Settings → Preferences → Language → Español
Bank of America
Profile → Preferences → Language Preference → Spanish
Wells Fargo
Account Settings → Profile → Language Preference → Spanish
Citibank
Profile → Contact Information → Language → Español
US Bank
Customer Service → Language Preference → Spanish
Need to analyze a Spanish-language bank statement?
Upload any PDF — the tool reads English and Spanish statements from all banks.
Frequently asked questions
How do you say bank statement in Spanish?
The most common translation is 'estado de cuenta' — used in Mexico, the US (Spanish-language banking), Peru, and Venezuela. In Spain and Colombia it's 'extracto bancario'. In Chile, the unique term is 'cartola bancaria'. In Argentina it's 'resumen de cuenta'. All refer to the same document: the official record of account transactions for a period.
What does 'estado de cuenta' mean?
'Estado de cuenta' translates literally to 'account status' or 'account statement'. It is the standard Mexican and Latin American Spanish term for a bank statement — the monthly document showing your transactions, balance, and account activity.
What is the difference between 'estado de cuenta' and 'extracto bancario'?
They refer to the same document. 'Estado de cuenta' is standard in Mexico and most of Latin America. 'Extracto bancario' is the preferred term in Spain and Colombia. Either term is understood everywhere Spanish is spoken in a banking context.
Can I request my US bank statement in Spanish?
Most major US banks offer Spanish-language statements as an option. Chase, Bank of America, Wells Fargo, US Bank, and Citi all provide Spanish-language banking services. Log into your account settings, go to language preferences, and select Spanish. Your next statement will be generated in Spanish.
Will a Spanish bank statement be accepted for visa or immigration purposes?
For US visa applications, statements must typically be from a US bank and can be in English or Spanish. For immigration (USCIS), official translations are often required — a certified translator must provide an English version of any foreign-language document. Check the specific requirements for your application type.
What does 'cargo' mean on a Spanish bank statement?
'Cargo' means charge or debit — money that was taken out of your account. It is the equivalent of DR (debit) or a withdrawal. 'Abono' is the opposite — a credit or deposit added to the account.
What does 'abono' mean on a bank statement?
'Abono' means credit — money deposited or added to your account. If you see 'abono' next to a transaction, funds were received into your account, not taken out.
