轉賬卡 / 转账卡
zhuǎnzhàngkǎ
In Chinese, 'debit card' is 轉賬卡 / 转账卡 (zhuǎnzhàngkǎ). Wiktionary also lists 借記卡 / 借记卡 (jièjìkǎ) and 簽帳卡 / 签帐卡 (qiānzhàngkǎ).
Meaning: card taking money directly from the bank account (noun)
Ways to say it
| Chinese | Romanization (Wiktionary) |
|---|---|
| 轉賬卡 / 转账卡 | zhuǎnzhàngkǎ |
| 借記卡 / 借记卡 | jièjìkǎ |
| 簽帳卡 / 签帐卡 | qiānzhàngkǎ |
| 儲蓄卡 / 储蓄卡 | chǔxùkǎ |
A debit card is a card used to take money directly from a bank account.
What does it mean word for word?
The term 轉賬卡 / 转账卡 literally means 'transfer card', which refers to the movement of funds between accounts. The term 儲蓄卡 / 储蓄卡 literally means 'savings card'.
Which one should you use?
While 借記卡 / 借记卡 is the direct translation of 'debit card', 儲蓄卡 / 储蓄卡 is often more commonly used in daily conversation when referring to a standard bank card linked to a savings account.
Is it said differently in some regions?
The term 簽帳卡 / 签帐卡 is more commonly encountered in Hong Kong or specific banking contexts in Taiwan rather than Mainland China.
How do you pronounce it?
zhuǎnzhàngkǎ
Did you know?
- In Mainland China, traditional debit cards have been largely superseded by digital wallets like 支付宝 / 支付宝 and 微信支付 / 微信支付, making physical cards rare in daily shops.
- The character 卡 / 卡 in all these phrases is a phonetic loanword from the English word 'card'.
- In Taiwan, banking terminology for cards often differs significantly from Mainland China, with a stronger preference for terms like 金融卡 / 金融卡 (financial card).
Examples in context
- 我想用借记卡付款。I would like to pay with a debit card.
- 你可以用储蓄卡付款。You can use a savings card to make the payment.
Sources
- Wiktionary, “debit card” translations, CC BY-SA 4.0, dump of 2026-09-26.
