Bankfachbegriffe lernen: Quizze und Übungen für Bankkaufleute

Question 1

Welches Dokument wird zur Identitätsprüfung von Kunden herangezogen?

Accepted Answer

Personalausweis

Answer

Kontoauszug

Answer

Kreditantrag

Answer

Überweisungsbeleg

Question 2

Was beschreibt der Begriff 'Gutschrift'?

Accepted Answer

Hinzufügung eines Betrags auf das Konto

Answer

Abbuchung eines Betrags vom Konto

Answer

Überweisung an eine andere Bank

Answer

Einlösung eines Schecks

Question 3

Wie werden die Zinsen bezeichnet, die ein Kreditnehmer auf einen Kredit zahlt?

Accepted Answer

Sollzinsen

Answer

Habenzinsen

Answer

Agio

Answer

Disagio

Question 4

Welches Dokument wird verwendet, um eine Auslandsüberweisung anzuordnen?

Accepted Answer

SWIFT-Überweisung

Answer

Zahlschein

Answer

Überweisungsformular

Answer

SEPA-Überweisung

Question 5

Welche Abkürzung steht für die temporäre Autorisierungsnummer im Online-Banking?

Accepted Answer

TAN

Answer

Answer

IBAN

Answer

BIC

Question 6

Welches Dokument bietet eine Übersicht über alle Kontobewegungen?

Accepted Answer

Kontoauszug

Answer

Kontoauszugsdruck

Answer

Kontostandsmitteilung

Answer

Kontoauszugsabfrage

Question 7

Wie wird der Prozess bezeichnet, bei dem ein neues Girokonto eröffnet wird?

Accepted Answer

Kontoeröffnung

Answer

Kontoaktivierung

Answer

Kontoeinrichtung

Answer

Kontofreischaltung

Question 8

Which is the correct English term for the German 'Überweisungsauftrag'?

Accepted Answer

Bank transfer

Answer

Standing order

Answer

Direct debit

Question 9

Which of the following is NOT a type of loan offered by banks?

Accepted Answer

Investment

Answer

Mortgage

Answer

Personal loan

Answer

Credit card

Question 10

What is the primary purpose of a 'Kontoauszug'?

Accepted Answer

To track income and expenses

Answer

To apply for a loan

Answer

To open a new account

Question 11

Which of the following is a key advantage of using online banking?

Accepted Answer

Convenience and accessibility

Answer

Reduced transaction fees

Answer

Higher interest rates

Question 12

What is the main difference between a 'Girokonto' and a 'Sparkonto'?

Accepted Answer

Girokonto is for daily transactions, while Sparkonto is for savings

Answer

Sparkonto is for daily transactions, while Girokonto is for savings

Answer

They offer the same services with different interest rates

Question 13

What is the common abbreviation for 'Deutsche Bank'?

Accepted Answer

DB

Answer

DKB

Answer

HSBC

Question 14

Which of the following factors does NOT influence exchange rates?

Accepted Answer

Weather conditions

Answer

Interest rates

Answer

Economic growth

Answer

Political stability

Question 15

Translate 'Girokonto' into English.

Accepted Answer

Current account

Answer

Savings account

Answer

Credit account

Answer

Investment account

Question 16

Which of the following is NOT a type of loan?

Accepted Answer

Investment

Answer

Mortgage

Answer

Personal loan

Answer

Business loan

Question 17

Translate 'Kontoauszug' into English.

Accepted Answer

Bank statement

Answer

Credit report

Answer

Transaction history

Answer

Balance sheet

Question 18

Translate 'Fremdwährung' into English.

Accepted Answer

Foreign currency

Answer

Devisen

Answer

Währungsumtausch

Answer

Wechselkurs

Question 19

Translate 'Zins' into English.

Accepted Answer

Interest

Answer

Fee

Answer

Commission

Answer

Profit

Question 20

Translate 'Kreditkarte' into English.

Accepted Answer

Credit card

Answer

Debit card

Answer

EC-Karte

Answer

Maestro-Karte

Question 21

Which term refers to the amount of money borrowed?

Accepted Answer

Loan

Answer

Interest

Answer

Collateral

Answer

Loan term

Question 22

Which of the following is NOT a common type of bank account?

Accepted Answer

Credit card

Answer

Checking account

Answer

Savings account

Answer

Money market account

Question 23

What is the fee charged by a bank for handling transactions known as?

Accepted Answer

Service charge

Answer

Interest

Answer

Penalty

Answer

Commission

Question 24

Which principle emphasizes transparency and disclosure in banking practices?

Accepted Answer

Transparency

Answer

Confidentiality

Answer

Profitability

Answer

Efficiency

Question 25

Which type of loan is secured by a property?

Accepted Answer

Mortgage

Answer

Loan

Answer

Line of credit

Answer

Personal loan

Question 26

What is the common English abbreviation for 'certificate of deposit' in banking?

Accepted Answer

CD

Answer

IRA

Answer

TB

Answer

ETF

Question 27

Customers with high account balances and personalized services are referred to as:

Accepted Answer

Preferred customers

Answer

Retail customers

Answer

Commercial customers

Answer

Corporate customers

Question 28

Which of the following is not a type of loan?

Accepted Answer

Investment

Answer

Mortgage

Answer

Line of credit

Answer

Auto loan

Question 29

The process of verifying customer identity is known as:

Accepted Answer

Know Your Customer (KYC)

Answer

Anti-Money Laundering (AML)

Answer

Customer Due Diligence (CDD)

Answer

Sanctions Screening

Question 30

What type of interest rate fluctuates over time?

Accepted Answer

Variable rate

Answer

Fixed rate

Answer

Prime rate

Answer

Discount rate

Question 31

What is the term for managing financial resources to achieve specific goals?

Accepted Answer

Financial planning

Answer

Investment management

Answer

Budgeting

Answer

Tax planning

Question 32

Which loan type has a set repayment period and regular payments?

Accepted Answer

Term loan

Answer

Demand loan

Answer

Line of credit

Question 33

What is the English translation of the German banking term 'Kontoauszug'?

Accepted Answer

Bank Statement

Answer

Check

Answer

Debit Card

Answer

Overdraft

Question 34

Translate the English banking term 'Transfer' to German.

Accepted Answer

Transfer

Answer

Withdrawal

Answer

Deposit

Answer

Loan

Question 35

Which of the following is a type of loan used to purchase a property?

Accepted Answer

Mortgage

Answer

Credit Card

Answer

Insurance

Answer

Savings Account

Question 36

What is the English term for withdrawing cash from an ATM?

Accepted Answer

Cash Withdrawal

Answer

Check Deposit

Answer

Online Banking

Answer

Foreign Exchange

Question 37

What is the purpose of a 'Dauerauftrag' in German banking?

Accepted Answer

To set up automatic payments

Answer

To cancel a direct debit

Answer

To transfer money between accounts

Answer

To apply for a loan

Question 38

Which of the following factors does NOT influence interest rates?

Accepted Answer

Company Size

Answer

Inflation

Answer

Economic Growth

Answer

Government Policy

Question 39

Translate the German banking term 'Girokonto' to English.

Accepted Answer

Current Account

Answer

Savings Account

Answer

Investment Account

Answer

Deposit Account

Question 40

Which of the following terms best describes an account that holds money borrowed from a bank?

Accepted Answer

Loan account

Answer

Deposit account

Answer

Savings account

Answer

Current account

Question 41

Which of the following is NOT typically considered an investment account?

Accepted Answer

Checking account

Answer

Certificate of deposit

Answer

Money market account

Answer

Mutual fund

Question 42

What is the term used to refer to the cost of borrowing money from a bank?

Accepted Answer

Interest charge

Answer

Interest income

Answer

Loan term

Answer

Principal balance

Question 43

What is the term for the act of adding money to an account?

Accepted Answer

Deposit

Answer

Transfer

Answer

Payment

Answer

Withdrawal

Question 44

Which of the following is a common type of fee charged by banks for maintaining an account?

Accepted Answer

Account maintenance fee

Answer

Interest rate

Answer

Loan origination fee

Answer

Annual percentage yield

Question 45

What is the term for the lowest acceptable balance that must be maintained in an account?

Accepted Answer

Minimum balance

Answer

Credit limit

Answer

Overdraft limit

Question 46

Who is responsible for managing and operating a bank account?

Accepted Answer

Account holder

Answer

Loan officer

Answer

Banker

Answer

Teller

Question 47

Which type of financial planning focuses on securing financial well-being during retirement?

Accepted Answer

Retirement planning

Answer

Event planning

Answer

Real estate planning

Answer

Marketing planning

Question 48

Translate the German term 'Überweisung' into English.

Accepted Answer

Bank transfer

Answer

Cash withdrawal

Answer

Loan

Answer

Deposit

Question 49

What is the term for the remaining amount owed on a loan?

Accepted Answer

Outstanding balance

Answer

Principal amount

Answer

Interest

Question 50

What is the purpose of establishing a 'standing order'?

Accepted Answer

To make scheduled payments to a specified recipient.

Answer

To withdraw cash from an ATM

Answer

To transfer funds between personal accounts

Answer

To obtain a loan

Question 51

What document provides a detailed overview of your bank account activity?

Accepted Answer

Bank statement

Answer

Loan agreement

Answer

Check

Answer

Credit card

Question 52

What is the term for a fee levied by a bank for its services?

Accepted Answer

Service charge

Answer

Interest

Answer

Penalty

Answer

Commission

Question 53

What is the primary function of a 'mortgage'?

Accepted Answer

To secure a loan for purchasing real estate.

Answer

To withdraw cash from an ATM

Answer

To transfer funds between accounts

Answer

To open a new bank account

Question 54

Which financial institution accepts deposits and grants loans?

Accepted Answer

Bank

Answer

Investment Firm

Answer

Hedge Fund

Answer

Insurance Provider

Question 55

What is the term for an individual who makes a deposit in a bank?

Accepted Answer

Depositor

Answer

Borrower

Answer

Investor

Question 56

What is the term for the interest charged on a loan?

Accepted Answer

Interest Rate

Answer

Loan Term

Answer

Principal

Question 57

Which document serves as proof of a bank transfer?

Accepted Answer

Bank Statement

Answer

Invoice

Answer

Credit Note

Answer

Purchase Order

Question 58

What is the term for the maximum amount of money that can be withdrawn from a bank account at once?

Accepted Answer

Withdrawal Limit

Answer

Overdraft

Answer

Balance

Answer

Credit Limit

Question 59

Which of the following is a type of online banking service?

Accepted Answer

Mobile Banking

Answer

Mail Banking

Answer

Telephone Banking

Answer

Fax Banking

Question 60

What is the term for a financial transaction involving the exchange of currencies?

Accepted Answer

Foreign Exchange

Answer

Deposit

Answer

Loan

Answer

Investment

Question 61

Which of the following is a regulatory body for the banking industry?

Accepted Answer

Central Bank

Answer

Stock Exchange

Answer

Insurance Authority

Answer

Tax Agency

Question 62

What is the term for a financial product that provides guaranteed returns?

Accepted Answer

Bond

Answer

Stock

Answer

Mutual Fund

Answer

Option