Translation guide
In Japanese, 'bank account' is most commonly expressed as 口座 (こうざ) or 銀行口座 (ぎんこうこうざ). The word 口座 is the standard term used in banking contexts, while 銀行口座 explicitly includes 'bank'. For everyday conversation, 口座 is sufficient and natural.
bank account
bank account (explicit)
Referring to a bank account in general, such as for savings, deposits, or transactions.
The standard word for 'bank account'. Used in both formal and informal contexts. Often combined with 銀行 (ぎんこう) to specify 'bank account' explicitly.
I opened a new bank account.
Specifically a 'deposit account' or 'savings account'. Used in banking terminology, less common in daily conversation.
Referring specifically to the number associated with a bank account.
The standard term for 'account number'. Used in all banking contexts.
Actions related to creating or terminating a bank account.
Different kinds of bank accounts, such as savings or checking.
In most situations, 口座 alone is enough because the context makes it clear you're talking about a bank. Use 銀行口座 when you need to be explicit, such as when comparing with other types of accounts (e.g., postal savings).
The English loanword バンクアカウント is not used in Japanese. Always use 口座 or 銀行口座.
Please tell me your account number.
Explicitly means 'bank account'. Used when you need to distinguish from other types of accounts (e.g., postal savings). Slightly more formal or precise.
I'd like to open a bank account.
The interest rate on deposit accounts is low.
Please enter your account number.
You need identification to open an account.
Means 'to close an account'. 解約 (かいやく) is the standard term for cancellation of a contract or account.
I closed an account I wasn't using.
I keep my money in a regular savings account.
Checking account or current account, used mainly by businesses. Not common for individuals.
Checking accounts are mainly used by businesses.