Glossary entry (derived from question below)
Spanish term or phrase:
saldo a girar
English translation:
saldo disponible>current balance saldo a girar>available balance
Added to glossary by
María Florencia Méndez
Apr 28 14:33
5 mos ago
28 viewers *
Spanish term
saldo a girar
Spanish to English
Bus/Financial
Finance (general)
bank account
Aparece en la consulta de una caja de ahorros junto con el saldo disponible y el saldo contable.
Entiendo que el saldo a girar es el saldo con el que efectivamente puede operar la persona, que puede o no ser el mismo que el saldo disponible. No estoy segura de la traducción de este término.
"Operating balance", "balance to operate" son opciones que se me ocurren, pero estoy segura de que debe existir un término comúnmente usado.
Entiendo que el saldo a girar es el saldo con el que efectivamente puede operar la persona, que puede o no ser el mismo que el saldo disponible. No estoy segura de la traducción de este término.
"Operating balance", "balance to operate" son opciones que se me ocurren, pero estoy segura de que debe existir un término comúnmente usado.
Proposed translations
(English)
1 +3 | saldo disponible>current balance saldo a girar>available balance | Darius Saczuk |
4 | balance drawable (and transferable) | Adrian MM. |
Proposed translations
+3
10 mins
Selected
saldo disponible>current balance saldo a girar>available balance
This turkey might fly...
In a checking account, the available balance is the amount of money that the account
holder can withdraw immediately. The current balance, by contrast, includes any pending transactions that have not yet been cleared. The bank will honor any withdrawal or payment you make up to the available balance amount.
https://www.investopedia.com › av...
Available Balance: Definition and Comparison to Current Balance
--------------------------------------------------
Note added at 38 mins (2024-04-28 15:12:38 GMT)
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How about account balance for saldo contable?
In a checking account, the available balance is the amount of money that the account
holder can withdraw immediately. The current balance, by contrast, includes any pending transactions that have not yet been cleared. The bank will honor any withdrawal or payment you make up to the available balance amount.
https://www.investopedia.com › av...
Available Balance: Definition and Comparison to Current Balance
--------------------------------------------------
Note added at 38 mins (2024-04-28 15:12:38 GMT)
--------------------------------------------------
How about account balance for saldo contable?
Note from asker:
MMMM But I translated "saldo disponible" as "available balance", "saldo contable" as "current balance". I can't use "available balance" for saldo a girar, I think there must be a difference between "saldo disponible" and "saldo a girar". |
Otherwise, what would be the translation for "saldo contable"? Thanks |
En respuesta a Marcos Sanchez Urquiola, no todo el saldo disponible está habilitado para ser girado, esa es la cuestión. Si, por ejemplo, en la cuenta hay un débito automático, parte de ese saldo disponible se reserva para pagar ese débito automático, entonces un saldo disponible pero solo para eso y no para girar. Entonces, no todo el saldo disponible está disponible para girar. Por lo que es necesario hacer una distinción entre "saldo disponible" y "saldo a girar". |
Peer comment(s):
agree |
Andrew Bramhall
: Just ' available balance';
14 mins
|
Thank you, Andrew.
|
|
agree |
Marcos Sanchez Urquiola
: Exactly! "Available balance." Si lo puedes girar es porque está disponible (available).
32 mins
|
Gracias, Marcos.
|
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agree |
AllegroTrans
1 hr
|
Thank you, AllegroTrans.
|
|
neutral |
philgoddard
: It can't be this if there's also a 'saldo disponible'.
2 hrs
|
Yes, but I would render 'saldo disponible' as 'current balance' here - low level of confidence obviously.
|
4 KudoZ points awarded for this answer.
Comment: "Thanks"
4 hrs
balance drawable (and transferable)
not the same as the saldo disponible: available balance. Most savings banks > cajas de ahorros and building societies (mortgage corporations rather than construction companies) want a margin left on the account to cushion banking interest, commissions and credit card paments etc. still pending: cut to Phil G's ref.
Example sentence:
IATE: FINANCE COM es girar en descubierto (sobre una cuenta) COM rebasar una cuenta COM sobregirar una cuenta COM sobrepasar una cuenta COM en to overdraw an account COM to overdraw COM
Anyone who, in bad faith, issues a cheque without sufficient and drawable balance or withdraws all or part of the balance making the balance insufficient for .
Reference comments
2 hrs
Reference:
Current balance vs. available balance
Current balance vs. available balance: What's the difference?
Your current balance reflects the amount of money in your bank account at any given moment. Your available balance is the amount of money you have to spend, including any pending payments and deposits. The key difference is that your pending purchases do not appear in the current balance.
https://www.cnn.com › cnn-underscored › money › cur...
Bob Haegele
Share
current balance vs available balance
Whenever you’re budgeting out your money, it’s important to understand how much money you have at any given time, but not all bank balances are equal. Making a mistake between your current and available balance, for example, could cause you problems as you spend. Your current bank balance is the total of all posted transactions as of the previous day while your available balance includes pending or posted transactions for today. For help managing your wealth and all your finances, consider working with a financial advisor.
What Is Current Balance?
The current balance is all the money that is in your bank account right now. This balance might include pending transactions, like a credit card payment or a check that hasn’t cleared.
If there hasn’t been any activity on your account in at least a week, your current balance might be the same as your available balance. But if there has been recent activity on your account, the amount of money you’re able to spend might be different from your current balance.
For example, suppose your current balance is $500, so you go ahead and make your $350 car payment. However, you forgot that you made a $200 credit card payment yesterday that is still processing. Unless you have another deposit that clears in the meantime, your account could be overdrawn by $50. Depending on your bank, that may result in an overdraft fee or NSF fee.
What Is Available Balance?
Available balance is your current balance with any pending transactions or holds included. Thus, there are many reasons your available balance might be different than your current balance. A deposit, a check you’ve written or a payment with your debit card are some examples of pending transactions that might cause these discrepancies.
For example, suppose you spent $150 at the grocery store and paid with your debit card.
Or maybe you asked for a refund on something you purchased and the refund is still processing. All these transactions could cause your available balance to be less than or more than your current balance. That’s why it’s important to check both before making a purchase.
Difference Between Current Balance and Available Balance
current balance vs available balance
The difference between the current balance and the available balance is small but important. Available balance is how much money you are able to spend right now, including any pending transactions. Meanwhile, the current balance shows how much money is in your account without subtracting pending payments or withdrawals. Current balance can be useful in some situations, like when doing your monthly budgeting. However, it can be less useful for monitoring your daily spending.
Imagine you spend money frequently by writing checks or swiping your debit card. In this case, you might find that your available balance tends to be lower. But if you have a large deposit like a paycheck that is pending, your current balance could be lower. If a large deposit is pending for more than a few business days, it might be worth contacting your bank. That money won’t be part of your available balance until it clears, meaning you won’t be able to spend it.
https://smartasset.com/checking-account/current-balance-vs-a...
Your current balance reflects the amount of money in your bank account at any given moment. Your available balance is the amount of money you have to spend, including any pending payments and deposits. The key difference is that your pending purchases do not appear in the current balance.
https://www.cnn.com › cnn-underscored › money › cur...
Bob Haegele
Share
current balance vs available balance
Whenever you’re budgeting out your money, it’s important to understand how much money you have at any given time, but not all bank balances are equal. Making a mistake between your current and available balance, for example, could cause you problems as you spend. Your current bank balance is the total of all posted transactions as of the previous day while your available balance includes pending or posted transactions for today. For help managing your wealth and all your finances, consider working with a financial advisor.
What Is Current Balance?
The current balance is all the money that is in your bank account right now. This balance might include pending transactions, like a credit card payment or a check that hasn’t cleared.
If there hasn’t been any activity on your account in at least a week, your current balance might be the same as your available balance. But if there has been recent activity on your account, the amount of money you’re able to spend might be different from your current balance.
For example, suppose your current balance is $500, so you go ahead and make your $350 car payment. However, you forgot that you made a $200 credit card payment yesterday that is still processing. Unless you have another deposit that clears in the meantime, your account could be overdrawn by $50. Depending on your bank, that may result in an overdraft fee or NSF fee.
What Is Available Balance?
Available balance is your current balance with any pending transactions or holds included. Thus, there are many reasons your available balance might be different than your current balance. A deposit, a check you’ve written or a payment with your debit card are some examples of pending transactions that might cause these discrepancies.
For example, suppose you spent $150 at the grocery store and paid with your debit card.
Or maybe you asked for a refund on something you purchased and the refund is still processing. All these transactions could cause your available balance to be less than or more than your current balance. That’s why it’s important to check both before making a purchase.
Difference Between Current Balance and Available Balance
current balance vs available balance
The difference between the current balance and the available balance is small but important. Available balance is how much money you are able to spend right now, including any pending transactions. Meanwhile, the current balance shows how much money is in your account without subtracting pending payments or withdrawals. Current balance can be useful in some situations, like when doing your monthly budgeting. However, it can be less useful for monitoring your daily spending.
Imagine you spend money frequently by writing checks or swiping your debit card. In this case, you might find that your available balance tends to be lower. But if you have a large deposit like a paycheck that is pending, your current balance could be lower. If a large deposit is pending for more than a few business days, it might be worth contacting your bank. That money won’t be part of your available balance until it clears, meaning you won’t be able to spend it.
https://smartasset.com/checking-account/current-balance-vs-a...
2 hrs
Reference:
Por qué mi saldo a girar es distinto a mi saldo disponible?
Si tus saldos no coinciden, hay varias razones por la que esto puede pasar. Tu saldo esta pendiente, una compra reciente no ha sido procesada, o un sobregiro.
http://portaldeayuda.bolivariano.com/centrodeayuda/24movil-s...
http://portaldeayuda.bolivariano.com/centrodeayuda/24movil-s...
Peer comments on this reference comment:
agree |
AllegroTrans
47 mins
|
agree |
Adrian MM.
: Had read whilst writing my answer, but after my alarm bells started ringing automatically at the agrees to the first answer.
1 hr
|
agree |
Darius Saczuk
23 hrs
|
Discussion