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A2 noun #2,000 más común 8 min de lectura

예금

yegeum Top 2,000

예금 (Ye-geum) is a word for money in the bank. When you have money and you don't spend it, you put it in a bank. This is called 예금. You can say 'I have 예금' or 'I do 예금'. It is a very important word for daily life because everyone needs to use a bank. At the A1 level, you just need to know that 예금 means 'money in the bank account'. You might see this word on a big machine (ATM) or at a bank building. If you want to be safe with your money, you use 예금. It is like a safe box for your cash. You can also think of it as 'savings'. In simple Korean, you can say '은행에 예금해요' which means 'I deposit money in the bank'. This is a basic noun that helps you talk about money and banks.

At the A2 level, 예금 is understood as a formal noun for 'bank deposit'. You should distinguish it from the verb '입금하다' (to deposit/input money). 예금 is the money that stays in the account. You will often use it with the verb '하다' (to do) to form '예금하다'. You should also know common phrases like '예금 잔액' (deposit balance) to check how much money you have. In Korea, when you open an account, the teller will ask what kind of account you want. Usually, it is a '보통예금' (ordinary deposit). Knowing this word helps you navigate basic financial transactions. You might also hear it in the context of '예금을 찾다', which means to take your money out (withdraw). It is a step up from the very casual '저금' used by children.

For B1 learners, 예금 takes on more specific meanings within the banking system. You should be able to differentiate between '정기예금' (fixed-term deposit) and '보통예금' (liquid savings account). A B1 learner should understand that 예금 is a noun that represents a financial asset. You will encounter this word in news articles about the economy or in more detailed bank brochures. You should also be familiar with '예금주' (account holder), which is a term used frequently when transferring money or verifying identity. At this level, you can discuss your financial habits using 예금, such as '저는 매달 월급의 일부를 예금하고 있어요' (I deposit part of my salary every month). You are moving beyond simple definitions to understanding how 예금 fits into a broader financial lifestyle.

At the B2 level, you should understand 예금 within the context of interest rates and investment strategies. Terms like '예금 금리' (deposit interest rate) and '예금자 보호' (depositor protection) become relevant. You should be able to compare 예금 with other financial instruments like '주식' (stocks) or '채권' (bonds) in terms of risk and return. B2 learners should also recognize the Hanja roots (預 - entrust, 金 - money) to help understand related terms. You might read editorials discussing how low '예금 금리' affects the housing market. Your usage should be precise; for instance, using '예치하다' (to deposit/place) as a more formal synonym for '예금하다' in professional writing. You understand the nuances of banking terminology and can handle complex bank forms independently.

C1 learners view 예금 through the lens of macroeconomics and legal frameworks. You should be familiar with the '예금자보호법' (Depositor Protection Act) and how it functions during a financial crisis. You can discuss the '예금 통화' (deposit money) as part of the M1 or M2 money supply in economic discussions. At this level, you understand the subtle differences between '예금', '예치금', and '공탁금' (legal deposit). You can follow complex debates about '예대마진' (loan-to-deposit margin) and how it affects bank profitability. Your vocabulary includes idiomatic and technical expressions like '예금 인출 사태' (bank run). You are capable of reading academic papers or high-level financial news regarding the stability of the banking sector and the role of deposits in national liquidity.

At the C2 level, you have a near-native grasp of 예금 and its role in the global and domestic financial systems. You can analyze the historical evolution of the Korean savings culture and the shift from high-interest '예금' to more diverse investment portfolios. You understand the legal intricacies of '예금 채권' (deposit claims) in bankruptcy law. You can participate in high-level policy discussions regarding '부동 예금' (floating deposits) and their impact on inflation. Your mastery allows you to use the term in any register, from casual conversation to drafting formal financial legislation or academic theses. You recognize the cultural weight of '예금' in the context of the 'Miracle on the Han River' and how it shaped the modern Korean economy. No nuance of the word, whether linguistic, legal, or economic, is beyond your reach.

Practícalo Ejemplos Notas y consejos

예금 en 30 segundos

예금 refers to money deposited in a bank for safekeeping or interest.
It is a formal term used in financial and banking contexts in Korea.
Common types include ordinary deposits (보통예금) and time deposits (정기예금).
It is distinct from '적금', which involves regular monthly installments.

At its core, 예금 (Ye-geum) refers to the act of depositing money into a financial institution, typically a bank, or the actual balance held within that account. In the Korean financial landscape, this word is foundational. It comes from the Hanja 預 (Entrust/Deposit) and 金 (Money). When you put your hard-earned cash into a savings account to keep it safe or to earn a bit of interest, you are engaging in 예금. It is distinct from 'investing' in stocks or bonds, as it implies a higher level of security and a contractual obligation by the bank to return the principal.

Core Concept: The safety of capital within a regulated banking system.

은행에 예금을 하러 왔어요. (I came to the bank to make a deposit.)

Understanding 예금 requires looking at the Korean banking culture. Koreans are historically known for high savings rates. The term is often used in contrast with 출금 (chul-geum), which is withdrawal. While '저금' (jeo-geum) is a more colloquial term for saving money (like in a piggy bank), 예금 is the formal, technical term used in banking documents and official contexts. If you are opening a 'Checking Account' or a 'Savings Account', you will see this word everywhere.

Financial Context: Used primarily for principal-protected bank products.

제 예금 잔액이 얼마인가요? (What is my deposit balance?)

In a broader sense, 예금 represents financial stability. In Korea, having a '정기예금' (Time Deposit) is a common way for older generations to manage wealth safely. Unlike '적금' (Installment Savings), where you add money monthly, 예금 often refers to a lump sum deposited at once. This distinction is crucial for anyone living in Korea or dealing with Korean financial institutions.

매달 조금씩 예금하는 습관이 중요해요. (The habit of depositing a little every month is important.)

Linguistic Nuance: Formal vs. Informal: Use 예금 at the bank, 저금 at home.

이 통장은 예금 전용입니다. (This passbook is for deposits only.)

안전한 예금 상품을 추천해 주세요. (Please recommend a safe deposit product.)

Using 예금 correctly involves understanding its role as a noun and how it pairs with specific verbs. The most common verb pairing is 예금하다 (to deposit). However, in a bank setting, you might also hear 입금하다 (to put money in), which is slightly more technical. 예금 specifically focuses on the money *staying* in the account as a form of asset.

Verb Pairing: 예금을 하다 (To make a deposit), 예금을 찾다 (To withdraw a deposit).

천만 원을 정기 예금에 넣었어요. (I put 10 million won into a time deposit.)

When discussing different types of accounts, 예금 acts as a suffix. For example, 보통예금 (Ordinary Deposit/Savings) is your standard account, while 정기예금 (Fixed Deposit) is one where you leave money for a set period. If you are a student or an expat in Korea, you will likely open a '보통예금' account first to receive your salary or pay bills.

Common Compound Words: 예금주 (Account holder), 예금 통장 (Bankbook), 예금 이자 (Deposit interest).

예금주 성함을 확인해 주세요. (Please verify the account holder's name.)

In conversation, if you want to say 'I am saving money,' you might say '저금하고 있어요' for general saving, but if you are specifically talking about your bank balance, '예금이 있어요' is more appropriate. It sounds more mature and financially literate. In professional settings, like a business meeting discussing company assets, '예금' is the only acceptable term.

우리 회사는 상당한 예금을 보유하고 있습니다. (Our company holds a significant amount of deposits.)

Sentence Structure: [Amount] + 을/를 + [Bank] + 에 + 예금하다.

보너스를 모두 예금할 계획이에요. (I plan to deposit all of my bonus.)

예금 이자율이 너무 낮아요. (The deposit interest rate is too low.)

You will encounter 예금 in several key environments. The most obvious is the bank. When you walk into a Kookmin, Shinhan, or Hana Bank, the signs above the counters will often say '예금/출금' (Deposit/Withdrawal). The automated teller machines (ATMs) will have a large button labeled '예금' or '현금 예금' (Cash Deposit). Listening to the bank teller, you'll hear phrases like '예금하시겠어요?' (Would you like to make a deposit?).

Location 1: The Bank: ATMs, teller windows, and mobile banking apps.

ATM에서 예금 버튼을 누르세요. (Press the deposit button on the ATM.)

Secondly, you will hear it in the news and financial reports. When the Bank of Korea (BOK) changes interest rates, news anchors will discuss the impact on '예금 금리' (deposit interest rates). Financial experts on YouTube or TV will talk about '예금 상품' (deposit products) as a safe haven during stock market volatility. If you are watching a K-drama, a character might brag about their '예금' or worry about a bank run where people try to withdraw their '예금' all at once.

Location 2: News & Media: Economic briefings, investment advice, and dramas.

금리가 오르면 예금 수요가 늘어납니다. (When interest rates rise, demand for deposits increases.)

Lastly, in daily life, you'll see it on your smartphone. Apps like KakaoPay or Toss show your '예금' balance on the main screen. When you receive a notification that your salary has been deposited, it might say '급여 예금 완료' (Salary deposit complete). Even in casual conversations between friends about future plans, someone might say, '나중에 집 사려고 예금하고 있어' (I'm depositing money/saving to buy a house later).

휴대폰 앱으로 예금 잔액을 확인해요. (I check my deposit balance with a phone app.)

Location 3: Daily Tech: Mobile banking notifications and balance screens.

은행에서 예금 안내 문자가 왔어요. (I got a deposit guidance text from the bank.)

그는 평생 모은 돈을 예금했습니다. (He deposited the money he had saved all his life.)

One of the most frequent mistakes learners make is confusing 예금 with 적금 (Jeok-geum). While both involve putting money in a bank, they are functionally different. 예금 usually refers to a lump sum deposit or the general balance in a checking/savings account. 적금 specifically refers to an installment savings plan where you deposit a fixed amount every month for a set period. If you tell a bank teller you want to do '예금' when you actually want to start a monthly savings plan, you might end up with the wrong product.

Mistake 1: 예금 vs. 적금: Using 예금 for monthly installments. Correct: 적금.

매달 10만 원씩 적금(NOT 예금)을 부어요. (I pay 100,000 won into an installment savings account every month.)

Another mistake is using 예금 when you mean 입금 (Ip-geum). While related, '입금' is the specific *action* of transferring or putting money into an account (like a transaction), whereas '예금' is the *state* of the money being there or the *product* itself. For example, if you are at an ATM and want to put money in, the button usually says '입금'. If you say '예금하러 왔어요', it's okay, but '입금하러 왔어요' is more precise for the physical act of putting cash into the machine.

Mistake 2: 예금 vs. 입금: Using 예금 for the transaction act. Correct: 입금.

친구 통장에 돈을 입금(NOT 예금)했어요. (I deposited/transferred money into my friend's account.)

Learners also sometimes confuse 예금 with 저금 (Jeo-geum). While often interchangeable in casual speech, '저금' is much more informal and often associated with children saving in a piggy bank or general 'saving up'. Using '저금' in a formal business contract or when discussing corporate finance would sound unprofessional. Conversely, telling a small child to '예금' their pocket money might sound overly formal and stiff.

아이에게 저금(NOT 예금)하는 습관을 가르쳐요. (Teach the child the habit of saving money.)

Mistake 3: Over-formality: Using 예금 for piggy banks or casual pocket money saving.

돼지 저금통에 저금해요. (Save money in a piggy bank.)

계좌에 예금이 하나도 없어요. (There are no deposits/money in the account at all.)

To truly master 예금, you must understand its neighbors in the financial vocabulary family. The most closely related words are 저금, 적금, and 입금. While they all deal with money and banks, their specific applications vary based on the context of the transaction and the formality of the situation.

예금 vs. 저금: 예금 is formal/banking; 저금 is general/casual saving. You '예금' at a bank, but you '저금' for a new bike.

예금은 은행 상품이고, 저금은 돈을 모으는 행위예요. (Deposit is a bank product, and saving is the act of gathering money.)

Then there is 적금. Think of '예금' as a bucket of water you've already filled and put in the fridge. '적금' is like adding a cup of water to a bucket every day until it's full. Banks in Korea offer very competitive '적금' rates to encourage people to save consistently. If you are looking for a way to build wealth from scratch, you look for '적금'. If you already have wealth and want to keep it safe, you look for '예금'.

예금 vs. 입금: 예금 is the asset/account type; 입금 is the specific action of putting money in. You '입금' money into your '예금' account.

ATM에서 입금을 하면 예금 잔액이 올라가요. (When you make a deposit/input at the ATM, your deposit balance goes up.)

Lastly, consider 저축 (Jeo-chuk). This is a broad term that encompasses all forms of saving, including 예금, 적금, and even insurance-based savings. It is often used in a macro-economic sense, like 'national savings rate' (국민 저축률). While 예금 is a specific bank product, 저축 is the overarching financial concept of not spending money and keeping it for the future.

저축의 한 종류가 예금입니다. (One type of saving is a bank deposit.)

Summary Table: 예금: Bank Balance | 적금: Monthly Savings | 입금: To Put In | 저축: General Savings Concept.

은행에서 예금 금리를 비교해 보세요. (Compare deposit interest rates at the bank.)

안정적인 자산 관리를 위해 예금을 활용하세요. (Utilize deposits for stable asset management.)

How Formal Is It?

Formal

Informal

Nivel de dificultad

Gramática que debes saber

Ejemplos por nivel

은행에 예금을 해요.

I make a deposit at the bank.

예금 + 을 (object marker) + 해요 (do).

예금이 있어요?

Do you have any savings/deposits?

예금 + 이 (subject marker) + 있어요 (have/exist).

이것은 제 예금이에요.

This is my deposit.

예금 + 이에요 (to be).

예금을 조금 했어요.

I made a small deposit.

Past tense '했어요'.

엄마가 예금을 좋아해요.

Mom likes saving money/deposits.

Subject + Object + Verb.

예금 통장이 필요해요.

I need a deposit passbook.

Noun + Noun compound.

은행에서 예금을 찾아요.

I withdraw my deposit at the bank.

찾다 means 'to find' or 'to withdraw' here.

돈을 예금하세요.

Please deposit the money.

Honorific imperative '-으세요'.

보통예금 계좌를 만들고 싶어요.

I want to open an ordinary deposit account.

보통예금 is a standard savings account.

예금 잔액을 확인해 보세요.

Please check your deposit balance.

잔액 means 'balance'.

어제 백만 원을 예금했어요.

I deposited one million won yesterday.

Specific amount + 을 + 예금하다.

예금 이자가 얼마나 돼요?

How much is the deposit interest?

이자 means 'interest'.

예금주 이름을 써 주세요.

Please write the account holder's name.

예금주 means 'account holder'.

이 은행은 예금이 안전해요.

Deposits are safe in this bank.

안전하다 means 'to be safe'.

매달 조금씩 예금하는 것이 좋아요.

It is good to deposit a little every month.

-는 것 (nominalizer).

예금을 찾으러 은행에 가요.

I'm going to the bank to withdraw my deposit.

-(으)러 가다 (purpose of going).

정기예금 금리가 올랐어요.

The fixed-term deposit interest rate has risen.

정기예금 is a time deposit.

예금자 보호 한도는 오천만 원입니다.

The depositor protection limit is 50 million won.

한도 means 'limit'.

급여가 통장에 예금되었습니다.

The salary has been deposited into the account.

예금을 담보로 대출을 받을 수 있어요.

You can get a loan using your deposit as collateral.

담보 means 'collateral'.

인터넷 뱅킹으로 예금을 이체했어요.

I transferred the deposit via internet banking.

이체하다 means 'to transfer'.

예금 상품을 비교해 보고 결정하세요.

Compare deposit products before deciding.

상품 means 'product'.

그는 예금이 꽤 많아서 걱정이 없어요.

He has quite a lot of deposits, so he has no worries.

꽤 means 'quite/fairly'.

비상금을 예금 계좌에 넣어 두었어요.

I put the emergency fund in a deposit account.

-어 두다 (to do something for future use).

금리 인하로 인해 예금 수요가 줄어들고 있습니다.

Due to the interest rate cut, demand for deposits is decreasing.

-로 인해 (due to).

은행은 예금을 대출의 재원으로 활용합니다.

Banks utilize deposits as a source of funds for loans.

재원 means 'financial resource'.

예금자들은 더 높은 수익률을 찾아 이동합니다.

Depositors move in search of higher yields.

수익률 means 'yield/rate of return'.

외화 예금을 통해 환차익을 노릴 수 있습니다.

You can aim for exchange gains through foreign currency deposits.

외화 means 'foreign currency'.

예금 인출 사태를 막기 위해 정부가 개입했습니다.

The government intervened to prevent a bank run.

인출 사태 refers to a mass withdrawal situation.

그녀는 자산의 절반을 예금에 묶어 두었습니다.

She tied up half of her assets in deposits.

묶어 두다 means 'to tie up/lock in'.

예금 금리가 물가 상승률을 따라가지 못하고 있어요.

Deposit interest rates are not keeping up with the inflation rate.

물가 상승률 means 'inflation rate'.

휴면 예금을 찾아주는 서비스가 인기입니다.

Services that find dormant deposits are popular.

휴면 means 'dormant/sleeping'.

예금 통화의 증가는 시중 유동성을 확대시킵니다.

An increase in deposit money expands market liquidity.

유동성 means 'liquidity'.

금융 위기 시 예금자 보호 제도의 역할이 중요해집니다.

The role of the depositor protection system becomes important during a financial crisis.

제도 means 'system/institution'.

은행의 예대율 관리는 건전성 확보의 핵심입니다.

Managing a bank's loan-to-deposit ratio is key to ensuring soundness.

예대율 is the loan-to-deposit ratio.

요구불 예금은 언제든지 인출이 가능한 자산입니다.

Demand deposits are assets that can be withdrawn at any time.

요구불 예금 means 'demand deposit'.

거액 예금자들의 자금 흐름을 면밀히 분석해야 합니다.

The fund flow of large depositors must be closely analyzed.

면밀히 means 'closely/minutely'.

예금 채권의 양도는 법적 절차를 거쳐야 합니다.

The transfer of deposit claims must go through legal procedures.

양도 means 'transfer/assignment'.

디지털 화폐의 등장이 전통적 예금의 지위를 위협하고 있습니다.

The emergence of digital currency is threatening the status of traditional deposits.

지위 means 'status/position'.

예금 보험료율 인상은 은행 경영에 부담을 줄 수 있습니다.

An increase in deposit insurance premium rates can burden bank management.

보험료율 means 'insurance premium rate'.

예금의 신용 창출 기능은 현대 자본주의의 근간을 이룹니다.

The credit creation function of deposits forms the backbone of modern capitalism.

신용 창출 means 'credit creation'.

중앙은행의 공개시장운영은 예금 은행의 지급준비금에 영향을 미칩니다.

Central bank open market operations affect the reserves of deposit banks.

지급준비금 means 'reserve requirements'.

예금 자산의 실질 가치 하락은 저축 동기를 저해할 수 있습니다.

A decline in the real value of deposit assets can hinder the motivation to save.

실질 가치 means 'real value'.

파생금융상품의 확산에도 불구하고 예금은 여전히 안전 자산의 대명사입니다.

Despite the spread of derivative financial products, deposits remain synonymous with safe assets.

대명사 means 'synonym/epitome' here.

예금 계약의 법적 성질에 관한 학설은 다양하게 존재합니다.

There are various theories regarding the legal nature of deposit contracts.

학설 means 'theory/doctrine'.

거시경제적 관점에서 예금은 투자로 이어지는 중요한 자본 축적 수단입니다.

From a macroeconomic perspective, deposits are an important means of capital accumulation leading to investment.

자본 축적 means 'capital accumulation'.

금융 시스템의 시스템적 리스크는 예금 인출의 연쇄 반응에서 비롯될 수 있습니다.

Systemic risk in the financial system can stem from a chain reaction of deposit withdrawals.

연쇄 반응 means 'chain reaction'.

예금 금리의 비대칭적 조정은 소비자 후생을 저해할 우려가 있습니다.

Asymmetric adjustment of deposit interest rates risks harming consumer welfare.

후생 means 'welfare'.

Colocaciones comunes

예금을 하다

예금을 찾다

예금을 인출하다

예금 잔액

예금 금리

예금 통장

예금 계좌

예금주

정기 예금

보통 예금

Frases Comunes

예금을 보호하다

예금을 예치하다

예금 이자를 받다

예금 상품에 가입하다

예금 잔액 증명서

예금 인출기

예금자 보호법

거액 예금

소액 예금

휴면 예금

Se confunde a menudo con

예금 vs 적금 (Installment savings)

예금 vs 입금 (The act of putting money in)

예금 vs 저금 (Casual savings)

Modismos y expresiones

Fácil de confundir

예금 vs 예치금

A more formal term for 'deposited money', often used in legal or specific financial contracts.

예금 vs 보증금

A security deposit (e.g., for an apartment), not a bank deposit.

예금 vs 잔액

The balance remaining, which could be from a deposit.

예금 vs 송금

Sending money to someone else, not necessarily depositing it for yourself.

예금 vs 환전

Exchanging currency, which might happen before a deposit.

Patrones de oraciones

Familia de palabras

Relacionado

Cómo usarlo

nuance

예금 is the technical term; 저금 is the lifestyle term.

common error

Don't use 예금 for monthly savings; use 적금.

Errores comunes

Using '예금' for a security deposit (use '보증금').
Confusing '예금' with '적금' (monthly savings).
Saying '예금을 먹다' instead of '예금을 찾다' for withdrawal.
Using '예금' when you mean '현금' (cash).
Misspelling it as '애금'.

Consejos

Saving Spirit

Koreans value '예금' highly. Showing a healthy bank balance can sometimes be important for visa applications or financial trust.

Verb Usage

Remember that '예금하다' is the active verb. If the money is already there, use '예금되어 있다'.

ATM Labels

On Korean ATMs, look for the '예금' or '입금' button to put money in. '출금' is for taking it out.

Hanja Power

Knowing 'Geum' (金) means money will help you understand dozens of other words like '요금' (fee) or '세금' (tax).

Politeness

When talking to bank staff, always use the polite form '예금하려고 하는데요' (I'm thinking of making a deposit).

Context Clues

If you hear '통장' (bankbook), the word '예금' is almost certainly going to follow.

Compound Words

Don't be afraid to combine words. '예금' + '이자' = '예금이차' (deposit interest). It's very common.

Protection

Always check if your '예금' is covered by the KDIC (Korea Deposit Insurance Corporation) protection.

Daily Practice

Try checking your own bank app and see if you can find the word '예금' or '입금' in the transaction history.

Natural Phrasing

Instead of saying 'I have money', saying '예금이 좀 있어요' sounds much more like a native speaker.

Memorízalo

Origen de la palabra

Sino-Korean

Contexto cultural

Giving a bankbook with a small deposit is a common gift for children's birthdays or graduations.

Koreans have one of the highest household saving rates in the OECD.

Practica en la vida real

Contextos reales

Inicios de conversación

"은행에 예금하러 가실래요? (Do you want to go to the bank to make a deposit?)"

"요즘 예금 금리가 어때요? (How are the deposit interest rates these days?)"

"어떤 예금 상품이 좋아요? (Which deposit product is good?)"

"예금 통장 만드셨어요? (Did you make a deposit passbook?)"

"예금 잔액이 얼마나 남았어요? (How much is left in your deposit balance?)"

Temas para diario

오늘 은행에서 예금을 한 경험을 써 보세요. (Write about your experience making a deposit at the bank today.)

왜 예금이 중요한지 자신의 생각을 적어 보세요. (Write your thoughts on why deposits are important.)

나중에 큰 예금이 생기면 무엇을 하고 싶나요? (What do you want to do if you have a large deposit later?)

한국의 예금 문화에 대해 느낀 점을 쓰세요. (Write what you feel about Korea's deposit culture.)

자신의 저축 계획을 예금이라는 단어를 사용해 설명하세요. (Explain your saving plan using the word 'deposit'.)

Preguntas frecuentes

10 preguntas

예금 is a formal banking term referring to money in an account. 저금 is a more general and casual term for saving money, often used in daily life or by children.

Yes, '보통예금' (Ordinary Deposit) is the term used for what is essentially a checking or basic savings account in Korea.

Yes, most deposits are protected by the '예금자보호법' (Depositor Protection Act) up to 50 million won per person per bank.

It literally means 'to find the deposit', but it is the standard idiom for 'to withdraw money' from your account.

You can say '예금하고 싶어요' or '입금하고 싶어요' at the bank.

It is a 'Fixed-Term Deposit' where you leave a lump sum in the bank for a set period (like 1 year) to earn higher interest.

It means 'Account Holder'. You will need to provide this when someone wants to send you money.

Yes, there is typically a 15.4% tax on interest income from bank deposits in Korea.

Yes, with a valid ARC (Alien Registration Card) and passport, you can open a deposit account at most Korean banks.

The opposite of the action is '출금' (withdrawal) or '인출' (withdrawal).