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How to say "open an account" and "deposit money" in Japanese visualisation

How to say "open an account" and "deposit money" in Japanese

Achieve Success in Banking and Finance in Japanese: How to say "open an account" and "deposit money" in Japanese
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The phrases for “open an account” and “deposit money” in Japanese are as follows:

If you are speaking specifically about a bank account, Japanese speakers often also use 口座を開く (kōza o hiraku), which literally means “to open an account.” This is a very natural phrase in banking situations and may sound more native than 「口座を作る」 depending on the context.

For example, if you want to say “I want to open an account,” you can say: 預金口座を作りたいです (Yokin kōza o tsukuritai desu).

A more natural option in a bank is: 口座を開きたいです (Kōza o hirakitai desu).

If you want to say “I want to deposit money,” you can say: お金を預け入れたいです (Okane o azukeiretai desu).

In everyday Japanese, people may also say 入金する (nyūkin suru), which means “to deposit money” or “to make a payment into an account.” This is very common in banking and ATM contexts.

Useful banking vocabulary

Here are a few related words that are helpful if you need to talk about banking in Japanese:

  • 銀行 (ginkō) — bank
  • 口座 (kōza) — account
  • 預金 (yokin) — deposit / savings
  • 入金 (nyūkin) — deposit money into an account
  • 預ける (azukeru) — to entrust / to deposit
  • 引き出す (hikidasu) — to withdraw
  • 通帳 (tsūchō) — bankbook
  • キャッシュカード (kyasshu kādo) — cash card
  • ATM (ee-tī-emu) — ATM

More natural ways to say these phrases

The exact phrase you use can depend on the situation:

  • At a bank counter, 口座を開く is very natural for “open an account.”
  • In formal or written language, 預金口座を開設する (yokin kōza o kaisetsu suru) is even more official and means “to open a deposit account.”
  • For “deposit money,” 入金する is often the simplest and most natural choice, especially for ATM or transfer contexts.
  • お金を預け入れる sounds grammatical and correct, but it may feel a little more formal than what people say in daily conversation.

Example sentences

Here are some simple examples you can use:

Common mistake to avoid

A common mistake is using only 作る (tsukuru, “to make”) without realizing that in banking, 開く (hiraku, “to open”) is often the more natural verb for opening an account.

So while 口座を作る is understandable, 口座を開く or 口座を開設する may sound better in many real-life situations.

Another common issue is mixing up:

  • 入金する — deposit money into an account
  • 出金する (shukkin suru) — withdraw money from an account

These two are especially useful to recognize on ATM screens and banking forms.

Quick summary

If you want the simplest practical Japanese for banking:

If you are learning Japanese for travel, study, or living in Japan, these phrases are a great starting point for using banks and ATMs with more confidence.

References

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