Legal dictionary · Area 17 of 17

Banking, Insurance & Finance — EN · ES · IT.

20 terms from Banking, Insurance & Finance, each with its Spanish and Italian equivalent and a plain-language definition. Open any term for its own page.

Financial documents travel constantly between the three languages — bank statements for visa applications, insurance policies for claims, loan agreements for cross-border deals. The vocabulary is standardised by international practice more than most areas of law, but instruments such as the Spanish pagaré, the Italian cambiale or the Latin American fideicomiso still have no exact English form, and numbers, decimal separators and account identifiers (IBAN, CLABE, CBU) must be reproduced exactly. Certified translations in this area are judged on precision above all.

Loan agreement

ENLoan agreement — A contract setting the terms of a loan.

ESContrato de préstamo / mutuo

ITContratto di finanziamento

Interest rate

ENInterest rate — The percentage charged on a loan or paid on deposits.

ESTasa de interés

ITTasso di interesse

Collateral

ENCollateral — Assets pledged to secure a loan.

ESGarantía / Colateral

ITGaranzia reale / Collaterale

Default (financial)

ENDefault (financial) — Failure to meet a financial obligation.

ESIncumplimiento / Default

ITInadempimento / Insolvenza

Foreclosure

ENForeclosure — The lender's process to seize mortgaged property.

ESEjecución hipotecaria

ITPignoramento / Esecuzione immobiliare

Overdraft

ENOverdraft — Withdrawal exceeding an account's balance.

ESDescubierto / Sobregiro

ITScoperto di conto

Guarantor

ENGuarantor — A person who promises to pay another's debt.

ESGarante / Fiador

ITGarante

Insurance policy

ENInsurance policy — A contract of insurance and its terms.

ESPóliza de seguro

ITPolizza assicurativa

Premium

ENPremium — The amount paid for insurance coverage.

ESPrima

ITPremio assicurativo

Insured / Policyholder

ENInsured / Policyholder — The person covered by or holding an insurance policy.

ESAsegurado / Tomador

ITAssicurato / Contraente

Insurer

ENInsurer — The company that provides insurance coverage.

ESAsegurador / Aseguradora

ITAssicuratore / Compagnia

Claim (insurance)

ENClaim (insurance) — A demand for payment under an insurance policy.

ESSiniestro / Reclamo

ITSinistro / Richiesta di indennizzo

Deductible / Excess

ENDeductible / Excess — The amount the insured pays before coverage applies.

ESFranquicia / Deducible

ITFranchigia

Beneficiary (policy)

ENBeneficiary (policy) — The person entitled to insurance proceeds.

ESBeneficiario de la póliza

ITBeneficiario della polizza

Liability insurance

ENLiability insurance — Coverage against claims for harm caused to others.

ESSeguro de responsabilidad civil

ITAssicurazione di responsabilità civile

Reinsurance

ENReinsurance — Insurance purchased by an insurer to spread risk.

ESReaseguro

ITRiassicurazione

Securities

ENSecurities — Tradable financial instruments such as shares and bonds.

ESValores / Títulos valores

ITStrumenti finanziari / Valori mobiliari

Dividend (finance)

ENDividend (finance) — A share of profits distributed to investors.

ESDividendo

ITDividendo

Escrow account

ENEscrow account — An account holding funds until conditions are met.

ESCuenta de garantía / fideicomiso

ITConto vincolato / di garanzia

Wire transfer

ENWire transfer — An electronic transfer of funds between accounts.

ESTransferencia bancaria

ITBonifico bancario

Other areas of the dictionary

This page is for general orientation only. It is not legal advice and does not substitute for advice from licensed counsel in the relevant jurisdiction. Terminology varies between countries and between civil-law and common-law systems; the equivalents shown here are the most common in cross-border practice.

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