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.
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.
新しい口座を開きました。
I opened a new bank account.
口座番号を教えてください。
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.
銀行口座を作りたいです。
I'd like to open a bank account.
Specifically a 'deposit account' or 'savings account'. Used in banking terminology, less common in daily conversation.
預金口座の金利は低いです。
The interest rate on deposit accounts is low.
Referring specifically to the number associated with a bank account.
The standard term for 'account number'. Used in all banking contexts.
口座番号を入力してください。
Please enter your account number.
Actions related to creating or terminating a bank account.
The most common verb for opening an account. 開設する (かいせつする) is more formal.
口座を開くには身分証明書が必要です。
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.
使っていない口座を解約しました。
I closed an account I wasn't using.
Different kinds of bank accounts, such as savings or checking.
Ordinary savings account, the most common type. Often shortened to 普通預金 (ふつうよきん).
普通預金口座にお金を預けています。
I keep my money in a regular savings account.
Checking account or current account, used mainly by businesses. Not common for individuals.
当座預金口座は主に企業が利用します。
Checking accounts are mainly used by businesses.
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.