saldo in 30 Sekunden
- Saldo means the remaining amount in an account.
- It's the balance after deposits and withdrawals.
- Commonly used for bank accounts and credit cards.
- Also used metaphorically for net outcomes.
- Core Meaning
- The word 'saldo' in Portuguese refers to the remaining amount of something after all transactions, expenses, or credits have been considered. It's essentially the balance of an account, a debt, or any quantifiable sum.
- Financial Context
- In finance and banking, 'saldo' is used very frequently to denote the balance in a bank account, a credit card, or any financial ledger. When you check your bank statement, you'll see your 'saldo atual' (current balance) or 'saldo anterior' (previous balance).
- Beyond Finance
- While its primary use is financial, 'saldo' can also be used metaphorically. For example, you might talk about the 'saldo' of your efforts – the net result or outcome after considering all the positive and negative aspects. It can also refer to a surplus or deficit in a more general sense, like the 'saldo' of a project's budget.
- Everyday Usage
- In everyday life, you'll encounter 'saldo' when discussing personal finances, paying bills, or even in retail, where a store might offer a 'saldo' on certain items, meaning a remaining stock or a discount. It's a fundamental term for understanding financial situations and outcomes.
Por favor, verifique o seu saldo bancário antes de fazer a compra.
O saldo da conta corrente está negativo este mês.
- Financial Terms
- 'Saldo devedor' (debit balance), 'saldo credor' (credit balance), 'saldo positivo' (positive balance), 'saldo negativo' (negative balance).
- Account Status
- 'Saldo disponível' (available balance), 'saldo empenhado' (committed balance), 'saldo contábil' (book balance).
- Project Management
- 'Saldo de trabalho' (work balance), referring to the remaining tasks or effort needed.
- Basic Statement
- A simple way to use 'saldo' is to state the balance of an account. For example, 'O saldo da minha conta é de quinhentos euros.' (The balance of my account is five hundred euros.) This directly conveys the amount remaining.
- Checking Balance
- You'll often use 'saldo' when asking about or checking a balance. 'Gostaria de saber o meu saldo, por favor.' (I would like to know my balance, please.) This is a common phrase in customer service interactions at banks.
- Transaction Impact
- 'Saldo' is used to describe the result of transactions. 'Após o pagamento da conta, o saldo restante foi reduzido.' (After paying the bill, the remaining balance was reduced.) This shows how an action affects the balance.
- Comparing Balances
- You can compare different balances using 'saldo'. 'O saldo deste mês é menor que o do mês passado.' (This month's balance is smaller than last month's.) This highlights changes over time.
- Metaphorical Use
- In a non-financial context, 'saldo' can represent the net outcome. 'O saldo da nossa discussão foi um acordo mútuo.' (The outcome of our discussion was a mutual agreement.) Here, it signifies the final result after considering different viewpoints.
Para evitar juros, é importante pagar o saldo total do cartão de crédito.
O extrato mostra um saldo positivo no final do ano.
- With Verbs
- Common verbs used with 'saldo' include 'ter' (to have), 'verificar' (to check), 'consultar' (to consult), 'aumentar' (to increase), 'diminuir' (to decrease), 'zerar' (to zero out).
- Adjectives
- Common adjectives describing 'saldo' are 'atual' (current), 'anterior' (previous), 'positivo' (positive), 'negativo' (negative), 'disponível' (available), 'total' (total), 'líquido' (net).
- At the Bank
- The most common place to hear 'saldo' is at a bank. When you speak to a teller, use an ATM, or check your online banking portal, you will frequently be asked about or see your 'saldo'. Phrases like 'Qual é o seu saldo?' (What is your balance?) or 'O seu saldo é de X' (Your balance is X) are ubiquitous.
- Retail and Services
- In shops, especially when dealing with returns or gift cards, 'saldo' might be used. For instance, if you return an item and are due a refund on a store card, you might receive a 'saldo' on that card. Also, in telecommunication services, you might hear about the 'saldo' of your prepaid phone credit.
- Business Meetings
- In a business context, 'saldo' is a key term. During financial reviews, project updates, or budget discussions, professionals will talk about the 'saldo' of various accounts, projects, or investments. This is crucial for assessing financial health and performance.
- Personal Finance Conversations
- When friends or family discuss money matters, 'saldo' is likely to come up. People might ask each other about their 'saldo' in savings accounts, or discuss the 'saldo' of their monthly expenses versus income. It's a common term in everyday financial planning.
- Financial News and Media
- News reports on the economy, stock markets, or company earnings will often mention 'saldo'. You might hear about the 'saldo' of a country's trade balance or a company's profit and loss statement. It's a standard term in financial journalism.
O caixa eletrônico permite que você consulte o saldo da sua conta a qualquer momento.
A fatura do cartão de crédito tem um saldo a pagar de duzentos reais.
- Confusing with 'Salada'
- A common mistake for beginners is confusing 'saldo' (balance) with 'salada' (salad). While they sound somewhat similar, their meanings are entirely different. 'Saldo' is always related to an amount or balance, whereas 'salada' refers to a dish of mixed ingredients.
- Gender Agreement
- 'Saldo' is a masculine noun ('o saldo'). Learners might incorrectly use feminine articles or adjectives with it. For example, saying 'a saldo' instead of 'o saldo', or 'saldo positiva' instead of 'saldo positivo'. Always remember it's 'o saldo'.
- Overuse in Non-Financial Contexts
- While 'saldo' can be used metaphorically, overusing it in contexts where a more specific word would be clearer can be a mistake. For instance, instead of saying 'o saldo da nossa conversa', it might be more precise to say 'o resultado da nossa conversa' (the result of our conversation) depending on the nuance.
- Pluralization
- The plural of 'saldo' is 'saldos'. While less common in everyday conversation about a single account balance, it's important to know for contexts involving multiple balances. Forgetting to add the 's' when referring to multiple balances is a grammatical error.
Incorrecto: 'Eu verifiquei a saldo da minha conta.' Correcto: 'Eu verifiquei o saldo da minha conta.'
Incorrecto: 'O saldo é muito salada hoje.' Correcto: 'O saldo da conta é baixo hoje.'
- Balanço
- 'Balanço' is a very close synonym, often used interchangeably with 'saldo', especially in financial statements. While 'saldo' typically refers to the balance of a specific account, 'balanço' can refer to a broader financial statement like a balance sheet ('balanço patrimonial'). However, in everyday conversation about account balances, they are often synonymous.
- Restante
- 'Restante' means 'remaining' or 'rest'. It's a more general term than 'saldo'. You might have a 'saldo' in your bank account, but the 'restante' of the money could be allocated elsewhere. 'Restante' describes what is left, while 'saldo' specifies the net amount left in a particular context, usually financial.
- Montante
- 'Montante' translates to 'amount' or 'sum'. It refers to a total quantity of money or value. While a 'saldo' is a specific type of 'montante' (the remaining amount), 'montante' itself doesn't imply a balance after transactions. For example, the 'montante' of a loan is the total borrowed, not the remaining balance.
- Crédito
- 'Crédito' means 'credit'. In accounting, a credit increases equity or decreases liabilities, while a debit does the opposite. 'Saldo credor' means a credit balance (money owed to you or a positive balance), and 'saldo devedor' means a debit balance (money you owe or a negative balance). So, 'crédito' is a type of transaction that affects the 'saldo'.
- Débito
- 'Débito' means 'debit'. Similar to 'crédito', a debit is a type of transaction. A 'saldo devedor' indicates you have a debit balance, meaning you owe money. 'Débito' refers to the transaction itself or the balance resulting from it.
O saldo da conta é de cem euros, mas o montante total que recebi este ano é muito maior.
A empresa apresentou um balanço patrimonial positivo, com um bom saldo de caixa.
How Formal Is It?
Wusstest du?
The 'solidus' was a gold coin used in the Roman Empire, known for its purity and stability. The concept of a 'solid' amount carried over into financial terminology.
Aussprachehilfe
- Pronouncing the 'a' as in 'cat'.
- Making the final 'o' too distinct or too long.
- Confusing the 's' with a 'z' sound.
Schwierigkeitsgrad
CEFR A2. The word 'saldo' is common in everyday financial contexts. Understanding its core meaning of 'balance' is straightforward, and it appears frequently in financial statements, online banking interfaces, and general discussions about money.
Was du als Nächstes lernen solltest
Voraussetzungen
Als Nächstes lernen
Fortgeschritten
Wichtige Grammatik
Gender of Nouns
'Saldo' is a masculine noun. Therefore, it takes masculine articles and adjectives: 'o saldo', 'um saldo', 'saldo positivo'.
Pluralization of Nouns
The plural of 'saldo' is 'saldos'. 'Os saldos das contas estavam baixos.'
Possessive Pronouns
Possessive pronouns agree in gender and number with the noun they modify: 'meu saldo', 'nossos saldos'.
Verb Agreement
The verb must agree with the subject 'saldo': 'O saldo aumenta.', 'Os saldos diminuem.'
Prepositional Phrases
'Saldo' is often used with prepositions like 'em' (in) or 'de' (of): 'saldo em conta', 'saldo devedor'.
Beispiele nach Niveau
Tenho saldo.
I have balance.
Simple statement of having a balance.
Qual é o seu saldo?
What is your balance?
A common question to inquire about an account balance.
O saldo é bom.
The balance is good.
Describing the state of the balance.
Eu preciso verificar o saldo.
I need to check the balance.
Expressing the need to check one's balance.
O saldo diminuiu.
The balance decreased.
Indicating a reduction in the balance.
Quero saber o saldo.
I want to know the balance.
Expressing a desire to know the balance.
O saldo está positivo.
The balance is positive.
Describing a positive financial state.
Tenho um saldo pequeno.
I have a small balance.
Describing the size of the balance.
O saldo aumentou.
The balance increased.
Indicating an increase in the balance.
Por favor, verifique o saldo da sua conta corrente.
Please check the balance of your current account.
A polite request to check a specific account balance.
O saldo do cartão de crédito ainda é alto.
The credit card balance is still high.
Describing a high balance on a credit card.
Gostaria de saber o saldo disponível para saque.
I would like to know the available balance for withdrawal.
Inquiring about the accessible balance for withdrawal.
O saldo da poupança cresceu este mês.
The savings account balance grew this month.
Indicating growth in a savings account balance.
O extrato bancário mostra o saldo final.
The bank statement shows the final balance.
Referring to the final balance on a bank statement.
É importante manter um bom saldo em conta.
It is important to maintain a good account balance.
Emphasizing the importance of a healthy balance.
Houve um ajuste no saldo após a transação.
There was an adjustment to the balance after the transaction.
Describing a balance adjustment due to a transaction.
O saldo devedor precisa ser pago o quanto antes.
The debit balance needs to be paid as soon as possible.
Urgency to pay a debit balance.
O saldo atual da conta é de quinhentos e vinte euros e cinquenta cêntimos.
The current balance of the account is five hundred and twenty euros and fifty cents.
Providing a precise current balance with currency details.
Precisamos analisar o saldo devedor e o saldo credor para entender a situação financeira.
We need to analyze the debit balance and the credit balance to understand the financial situation.
Analyzing both debit and credit balances for a comprehensive view.
O saldo remanescente após todos os impostos foi surpreendentemente baixo.
The remaining balance after all taxes was surprisingly low.
Describing a remaining balance after deductions.
A empresa busca otimizar o saldo de caixa para garantir liquidez.
The company seeks to optimize its cash balance to ensure liquidity.
Focusing on optimizing cash balance for liquidity.
O saldo pendente na fatura do cartão de crédito pode gerar juros elevados.
The outstanding balance on the credit card bill can generate high interest.
Highlighting the risk of interest on an outstanding balance.
É fundamental acompanhar o saldo de investimentos para tomar decisões informadas.
It is fundamental to monitor the investment balance to make informed decisions.
Emphasizing the importance of monitoring investment balances.
O saldo final do projeto foi positivo, superando as expectativas iniciais.
The final balance of the project was positive, exceeding initial expectations.
Reporting a positive project outcome in terms of balance.
O saldo da conta poupança apresentou um crescimento estável ao longo do ano.
The savings account balance showed stable growth throughout the year.
Describing stable growth of a savings account balance.
A análise do saldo contábil em relação ao saldo de mercado revela discrepâncias significativas.
The analysis of the book balance versus the market balance reveals significant discrepancies.
Comparing book and market balances for discrepancies.
O saldo devedor acumulado ao longo dos anos exigiu uma reestruturação financeira completa.
The accumulated debit balance over the years required a complete financial restructuring.
Discussing the consequences of accumulated debit balances.
A política de dividendos visa garantir um saldo de caixa adequado para futuras expansões.
The dividend policy aims to ensure an adequate cash balance for future expansions.
Connecting dividend policy to maintaining cash balance for growth.
O saldo líquido de transações internacionais impacta diretamente a balança comercial do país.
The net balance of international transactions directly impacts the country's trade balance.
Explaining the impact of net international transaction balance on trade balance.
A gestão prudente do saldo de capital de giro é essencial para a sustentabilidade operacional.
Prudent management of working capital balance is essential for operational sustainability.
Highlighting the importance of managing working capital balance.
O saldo devedor do empréstimo foi quitado antecipadamente, gerando economia em juros.
The loan's debit balance was paid off early, generating interest savings.
Describing early repayment of a loan balance and its benefits.
A flutuação do saldo em contas de investimento de renda variável requer monitoramento constante.
The fluctuation of the balance in variable income investment accounts requires constant monitoring.
Addressing the need for constant monitoring of volatile investment balances.
O saldo credor resultante da venda de ativos será reinvestido em novas tecnologias.
The credit balance resulting from the sale of assets will be reinvested in new technologies.
Explaining the reinvestment of credit balances from asset sales.
A conciliação bancária demonstrou um saldo infinitesimalmente diferente entre os registros internos e os extratos externos.
The bank reconciliation showed an infinitesimally different balance between internal records and external statements.
Describing a minute difference in balances during reconciliation.
O saldo devedor residual, após a consolidação das dívidas, apresentou uma taxa de amortização acelerada.
The residual debit balance, after debt consolidation, showed an accelerated amortization rate.
Discussing a residual debit balance and its repayment speed.
A volatilidade do saldo em carteiras de fundos multimercado exige uma análise de risco sofisticada.
The volatility of the balance in multi-market fund portfolios requires sophisticated risk analysis.
Addressing sophisticated risk analysis for volatile multi-market fund balances.
O saldo credor em contas de compensação internacional reflete a eficiência dos acordos cambiais.
The credit balance in international clearing accounts reflects the efficiency of exchange agreements.
Linking credit balances in international accounts to exchange agreement efficiency.
A estratégia de gestão de tesouraria visa manter um saldo de caixa otimizado, minimizando custos de oportunidade.
The treasury management strategy aims to maintain an optimized cash balance, minimizing opportunity costs.
Explaining treasury strategy for optimized cash balance and opportunity cost reduction.
O saldo devedor de impostos diferidos, embora não seja um fluxo de caixa imediato, representa uma obrigação futura significativa.
The deferred tax debit balance, although not an immediate cash flow, represents a significant future obligation.
Describing the nature of deferred tax debit balances as future obligations.
A análise do saldo devedor bruto versus o saldo devedor líquido permite avaliar a eficácia das provisões para devedores duvidosos.
The analysis of the gross debit balance versus the net debit balance allows for the evaluation of the effectiveness of provisions for doubtful debtors.
Comparing gross and net debit balances to assess bad debt provisions.
O saldo credor em contas de resultado a apropriar indica receitas ainda não reconhecidas formalmente.
The credit balance in income accounts to be appropriated indicates revenue not yet formally recognized.
Explaining credit balances in accounts awaiting formal revenue recognition.
Häufige Kollokationen
Häufige Phrasen
— A direct question asking for the current balance of an account.
Ao usar o caixa eletrônico, a primeira opção é 'Qual é o seu saldo?'
— To check or review the current balance of an account.
Preciso verificar o saldo antes de fazer a transferência.
— Refers to the amount of money present in a bank account.
Tenho um bom saldo na conta para as férias.
— A negative balance, indicating money owed.
O saldo devedor do cartão de crédito é preocupante.
— A positive balance, indicating money available.
É sempre bom ter um saldo positivo na conta bancária.
— The complete balance of an account, including all credits and debits.
O saldo total da minha conta de investimento é de dez mil euros.
— The balance that is left after certain transactions or deductions.
Após pagar a hipoteca, o saldo remanescente é baixo.
— To inquire about or look up the account balance.
Posso consultar o saldo pelo aplicativo do banco.
— Similar to 'saldo na conta', referring to the balance held within an account.
O saldo em conta é suficiente para cobrir as despesas.
— The balance at the end of a period, like a month or year.
O saldo final do ano foi positivo.
Wird oft verwechselt mit
Sounds similar but has a completely different meaning (salad). 'Saldo' is about financial balance, while 'salada' is a dish.
Related in origin (both from Latin 'solidus'), but 'sólido' means 'solid' or 'firm' as a physical property, whereas 'saldo' refers to a financial balance.
'Salário' means 'salary' or 'wage', which is a type of income that contributes to a bank account's 'saldo', but it is not the balance itself.
Redewendungen & Ausdrücke
— To have money in one's bank account; to be financially stable.
Com este novo emprego, finalmente tenho saldo na conta.
Informal— To have no money left; to be completely out of funds.
Depois de pagar todas as contas, fiquei com saldo zero.
Informal— A debt that is increasing, often due to interest or further borrowing.
Se não controlar os gastos, o saldo devedor a crescer vai ser um problema.
General— To have a net positive experience or outcome in life; to be content.
Apesar dos desafios, sinto que tenho um saldo positivo na vida.
Metaphorical, Informal— To not have enough money or resources to do something.
Não tenho saldo para comprar um carro novo agora.
Informal— The financial situation at the end of the month, often tight.
O saldo de fim de mês costuma ser sempre apertado.
Informal— A feeling of being thankful for what one has received.
Olhando para tudo o que conquistei, sinto um saldo de gratidão.
Metaphorical, Reflective— The net number of mistakes made, often implying more mistakes than successes.
Neste projeto, tivemos um saldo de erros que precisamos corrigir.
Metaphorical, Negative— A state of overall well-being and happiness.
Após as férias, sinto um grande saldo de bem-estar.
Metaphorical, Positive— The difference between what was expected and what was achieved.
O resultado final apresentou um saldo de expectativas negativo.
Metaphorical, AnalyticalLeicht verwechselbar
Both 'saldo' and 'balanço' can mean 'balance' in Portuguese, leading to confusion.
'Saldo' typically refers to the balance of a specific account (e.g., bank account balance). 'Balanço' can be used for account balances but also refers to broader financial statements like a 'balanço patrimonial' (balance sheet) or the overall financial health of a company.
O saldo da minha conta é de cem euros. A empresa apresentou um balanço positivo no último trimestre.
Both refer to amounts of money.
'Montante' means 'amount' or 'sum' and refers to a total quantity of money. 'Saldo' specifically means the *remaining* amount after accounting for debits and credits. You might have a total 'montante' of income, but your 'saldo' is what's left after expenses.
O montante do empréstimo é de cinco mil euros. O saldo restante na minha conta é de mil euros.
Both imply something that is left over.
'Restante' is a more general term for 'remaining' or 'rest' and can apply to any quantity. 'Saldo' is specifically a financial balance, the net result after transactions. You have a 'saldo' in your bank account, but a 'restante' of food on your plate.
O saldo da conta é de cinquenta euros. O restante da pizza ficou na geladeira.
These terms relate directly to transactions that affect a 'saldo'.
'Crédito' and 'débito' are types of transactions. 'Crédito' is an inflow (increases balance), and 'débito' is an outflow (decreases balance). 'Saldo' is the resulting balance after these transactions. A 'saldo credor' is a positive balance (credit balance), and a 'saldo devedor' is a negative balance (debit balance).
O crédito de 100 euros aumentou o meu saldo. O débito de 50 euros diminuiu o meu saldo.
Both refer to monetary amounts.
'Valor' means 'value' or 'amount'. It's a broader term. 'Saldo' is a specific type of 'valor' – the remaining value in an account. The 'valor' of a transaction affects the 'saldo'.
O valor total da compra foi de 70 euros, o que reduziu o meu saldo.
Satzmuster
Eu tenho saldo.
Eu tenho saldo na minha carteira.
Qual é o saldo?
Qual é o saldo da sua conta?
O saldo é [adjective].
O saldo é bom.
Verificar o saldo [noun phrase].
Preciso verificar o saldo da minha conta bancária.
O saldo [verb].
O saldo aumentou este mês.
O saldo [adjective] da conta [noun phrase].
O saldo atual da conta corrente é de duzentos euros.
Manter um bom saldo [preposition] [noun phrase].
É importante manter um bom saldo na conta poupança.
Analisar o saldo [adjective] em relação ao saldo [adjective].
Analisar o saldo devedor em relação ao saldo credor.
Wortfamilie
Substantive
Verben
Adjektive
Verwandt
So verwendest du es
Very High, especially in financial contexts.
-
Using feminine articles or adjectives with 'saldo'.
→
O saldo positivo.
'Saldo' is a masculine noun, so it requires masculine articles and adjectives. Incorrect: 'A saldo positiva.'
-
Confusing 'saldo' with 'salada'.
→
Eu preciso verificar o saldo da minha conta.
'Saldo' refers to a financial balance, while 'salada' means salad. They sound similar but have completely different meanings.
-
Using 'saldo' for any remaining amount, not just financial.
→
O restante da comida ficou na geladeira.
While 'saldo' can be used metaphorically, for general remaining items, 'restante' is more appropriate. 'Saldo' is primarily financial.
-
Incorrect pluralization.
→
Os saldos das contas foram verificados.
The plural of 'saldo' is 'saldos'. Forgetting the 's' when referring to multiple balances is incorrect.
-
Using 'saldo' when 'balanço' is more appropriate for a financial statement.
→
A empresa apresentou um balanço patrimonial.
While 'saldo' can refer to a balance, 'balanço' is preferred for formal financial statements like a balance sheet ('balanço patrimonial').
Tipps
Gender Agreement
Remember that 'saldo' is a masculine noun. Ensure you use masculine articles ('o', 'um') and adjectives ('positivo', 'negativo', 'atual') when referring to it. For example, 'o saldo positivo'.
Sound Association
Connect 'saldo' to the English word 'solid'. Think of a 'solid' amount of money you have left in your account – your balance. This association can help you remember its meaning.
Stress the First Syllable
The stress in 'saldo' falls on the first syllable: SAL-do. Practice saying it to ensure clear pronunciation.
Common Collocations
Learn common phrases like 'saldo bancário', 'saldo atual', and 'saldo devedor'. These pairings will help you use the word more naturally and understand it in context.
Listen Actively
When listening to Portuguese, actively try to identify instances of the word 'saldo'. Notice who is saying it, to whom, and in what situation. This will reinforce its practical usage.
Use it in Sentences
Actively try to form your own sentences using 'saldo'. This could be describing your own bank balance or creating hypothetical financial scenarios.
Financial Literacy
Understanding 'saldo' is a key part of financial literacy in Portuguese-speaking cultures. It's a word that connects directly to personal responsibility and financial well-being.
Synonym Awareness
Be aware of synonyms like 'balanço' and 'montante'. While related, 'saldo' is usually the most precise term for an account balance.
Avoid 'Salada'
Be careful not to confuse 'saldo' with 'salada' (salad) due to similar sounds. Their meanings are entirely unrelated.
Einprägen
Eselsbrücke
Imagine your bank account as a 'solid' pile of gold coins ('solidus'). The 'saldo' is how many of those solid coins you have left after spending some. So, 'saldo' sounds like 'solid' and refers to a solid amount of money.
Visuelle Assoziation
Picture a balance scale. On one side, you have money going in (credits), and on the other, money going out (debits). The 'saldo' is the final weight or level of the scale after all the additions and subtractions.
Word Web
Herausforderung
Try to explain what 'saldo' means to someone using only gestures and pointing to objects that represent money or accounts. Focus on conveying the idea of 'what's left'.
Wortherkunft
The word 'saldo' comes from the Italian word 'salda', which itself derives from the Latin word 'solidus', meaning 'solid' or 'firm'. This connection suggests the idea of a stable, fixed amount.
Ursprüngliche Bedeutung: In its Latin origin, 'solidus' referred to a solid coin, implying a tangible and definite quantity. This evolved into the concept of a fixed sum or balance.
Indo-European > Italic > Latin > Romance > Italian > PortugueseKultureller Kontext
Discussions about personal 'saldo' can be sensitive, as it relates directly to an individual's financial well-being. It's generally appropriate to discuss one's own 'saldo' or to ask politely about the 'saldo' of a joint account or in a professional context.
The closest English equivalent is 'balance', used in contexts like 'bank balance', 'account balance', or 'credit card balance'.
Im Alltag üben
Kontexte aus dem Alltag
Checking your bank account balance.
- Qual é o meu saldo?
- Verificar o saldo.
- O saldo atual da conta.
Discussing credit card statements.
- Saldo do cartão de crédito.
- Saldo devedor.
- Pagar o saldo total.
Making a purchase and checking if you have enough funds.
- Tenho saldo suficiente?
- O saldo é baixo.
- Saldo na conta.
Receiving a paycheck or payment.
- O meu saldo aumentou.
- Saldo positivo.
Financial planning and budgeting.
- Manter um bom saldo.
- Saldo remanescente.
- Saldo final do mês.
Gesprächseinstiege
"What's the first thing you check when you look at your bank account?"
"How do you usually check your account balance?"
"Do you prefer to have a large balance or a small, managed balance?"
"What's the most important financial goal for you right now?"
"How often do you review your bank statements?"
Tagebuch-Impulse
Describe a time when you were particularly happy or worried about your bank account balance. What led to that situation?
If you could have any amount of money in your bank account right now, what would you do with it?
Imagine you are a financial advisor. What advice would you give someone who consistently has a negative balance?
Reflect on your spending habits over the past month. How did they affect your account balance?
What does financial security mean to you, and how does maintaining a healthy balance contribute to it?
Häufig gestellte Fragen
10 FragenThe most common meaning of 'saldo' in Portuguese is 'balance', specifically referring to the amount of money remaining in a financial account like a bank account or credit card after all transactions have been processed.
While primarily used for financial balances, 'saldo' can also be used metaphorically to mean the net outcome or result of something, such as the 'saldo' of a discussion or a project's overall performance. However, its core meaning is financial.
You say 'saldo da conta'. For example, 'saldo da conta bancária' (bank account balance) or 'saldo da conta corrente' (current account balance).
'Saldo devedor' refers to a debit balance, meaning the account holder owes money (a negative balance). 'Saldo credor' refers to a credit balance, meaning the account holder has money in their favor (a positive balance).
Yes, metaphorically. For example, one might speak of the 'saldo' of their efforts, meaning the net result after considering all the pros and cons. However, this usage is less common than its financial meaning.
The plural of 'saldo' is 'saldos'. For example, 'Os saldos das contas foram verificados.'
'Saldo' is a masculine noun. You would say 'o saldo' (the balance) or 'um saldo' (a balance).
'Saldo' usually refers to the balance of a specific account. 'Balanço' can also refer to an account balance but is more commonly used for broader financial statements like a 'balanço patrimonial' (balance sheet) or the overall financial state of a company.
You can politely ask, 'Qual é o seu saldo?' (What is your balance?) or 'Gostaria de saber o meu saldo, por favor.' (I would like to know my balance, please.)
You can see your 'saldo' on your bank statement, online banking portal, mobile banking app, or at an ATM.
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Summary
Saldo is the Portuguese word for 'balance', referring to the amount of money left in an account after all transactions. It's a fundamental term in personal and business finance.
- Saldo means the remaining amount in an account.
- It's the balance after deposits and withdrawals.
- Commonly used for bank accounts and credit cards.
- Also used metaphorically for net outcomes.
Gender Agreement
Remember that 'saldo' is a masculine noun. Ensure you use masculine articles ('o', 'um') and adjectives ('positivo', 'negativo', 'atual') when referring to it. For example, 'o saldo positivo'.
Context is Key
While 'saldo' primarily means financial balance, pay attention to the context. It can sometimes be used metaphorically to describe the net outcome or result of situations beyond finance.
Sound Association
Connect 'saldo' to the English word 'solid'. Think of a 'solid' amount of money you have left in your account – your balance. This association can help you remember its meaning.
Stress the First Syllable
The stress in 'saldo' falls on the first syllable: SAL-do. Practice saying it to ensure clear pronunciation.
Beispiel
Verifiquei o saldo da minha conta bancária esta manhã.
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