How to say "deposit" in Japanese

Choosing the right word
  • 預金よきんJLPT N1approx.Common
    noun, suru verb, transitive verb, intransitive verbMoney deposited in a bank, or the balance held there; it covers both the act of depositing and a bank account, so it is the word to use in banking contexts.
    私の預金残高よきんざんだかはどうなっていますか。↗
    What's the balance of my account?
  • 貯金ちょきんJLPT N3approx.Common
    noun, suru verb, transitive verbSaving money — setting money aside and letting it accumulate, e.g. in a bank; use it when the emphasis is on building savings rather than on the deposit transaction itself.
    彼女かのじょはお金かねをたくさん貯金ちょきんしている。↗
    She put aside a lot of money.
  • 供託きょうたくCommon
    noun, suru verb, transitive verbA legal and administrative term: money formally deposited with a deposit office as law requires, for example as security; rarely the right word for everyday banking or saving.
  • nounThe loanword, used for a deposit paid up front — such as a security deposit when renting — or one that reserves something; it is not used for bank deposits.
  • 寄託きたくCommon
    noun, suru verb, transitive verbA legal word for entrusting money or property to another's custody; it stresses the entrusting relationship rather than banking, and is not the everyday word for depositing money.

For banking use 預金, or 貯金 when the emphasis is on saving money aside; 「デポジット」 covers up-front deposits such as when renting; 供託 and 寄託 are legal terms for deposits made or property entrusted under law.

Usage comparisons are AI-assisted and cross-checked by multiple models; for study reference only

Japanese equivalents
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JLPT vocabulary levels are community estimates, not official (no official lists have been published since the 2010 revision).

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