Understanding how to use and talk about debit cards is crucial for managing finances and making payments while in Korea. This guide covers the essential Korean term for “debit card” and provides practical phrases for various situations, from shopping to using ATMs, helping you navigate daily transactions smoothly.
Table Of Content
Core Expression
-
Expression: 체크카드
Pronunciation: che-keu-ka-deu
Meaning: Debit card (literally “check card”)
Basic Phrases for Using a Debit Card
-
Expression: 체크카드로 계산할게요.
Pronunciation: che-keu-ka-deu-ro gye-san-hal-ge-yo.
Meaning: I’ll pay with a debit card. -
Expression: 체크카드 되나요?
Pronunciation: che-keu-ka-deu doe-na-yo?
Meaning: Do you accept debit cards? -
Expression: 비밀번호를 입력해 주세요.
Pronunciation: bi-mil-beon-ho-reul im-nyeok-hae ju-se-yo.
Meaning: Please enter your PIN. -
Expression: 서명해 주세요.
Pronunciation: seo-myeong-hae ju-se-yo.
Meaning: Please sign here. -
Expression: 영수증 주세요.
Pronunciation: yeong-su-jeung ju-se-yo.
Meaning: Please give me the receipt. -
Expression: 이 카드는 해외 사용이 가능한가요?
Pronunciation: i ka-deu-neun hae-oe sa-yong-i ga-neung-han-ga-yo?
Meaning: Can this card be used internationally? -
Expression: 잔액이 얼마 남았는지 확인하고 싶어요.
Pronunciation: jan-ae-gi eol-ma na-mat-neun-ji hwa-gin-ha-go si-peo-yo.
Meaning: I want to check how much balance is left. -
Expression: 체크카드를 분실했어요.
Pronunciation: che-keu-ka-deu-reul bun-sil-hae-sseo-yo.
Meaning: I lost my debit card. -
Expression: 카드 한도 초과예요.
Pronunciation: ka-deu han-do cho-gwa-ye-yo.
Meaning: The card limit has been exceeded. -
Expression: 결제가 거부되었어요.
Pronunciation: gyeol-je-ga geo-bu-doe-eosseo-yo.
Meaning: The payment was declined. -
Expression: 체크카드 재발급 받고 싶어요.
Pronunciation: che-keu-ka-deu jae-bal-geup bat-go si-peo-yo.
Meaning: I want to get my debit card reissued.
At the Store
-
Expression: 이걸로 계산해 주세요.
Pronunciation: i-geol-lo gye-san-hae ju-se-yo.
Meaning: Please ring this up. -
Expression: 총 얼마예요?
Pronunciation: chong eol-ma-ye-yo?
Meaning: How much is it in total? -
Expression: 체크카드로 결제할 수 있나요?
Pronunciation: che-keu-ka-deu-ro gyeol-je-hal su in-na-yo?
Meaning: Can I pay with a debit card? -
Expression: 할부로 해 주세요.
Pronunciation: hal-bu-ro hae ju-se-yo.
Meaning: Please make it in installments. (Note: Usually for credit cards, but sometimes asked) -
Expression: 일시불로 해 주세요.
Pronunciation: il-si-bul-lo hae ju-se-yo.
Meaning: Please make it a one-time payment. -
Expression: 여기에 서명하면 되나요?
Pronunciation: yeo-gi-e seo-myeong-ha-myeon doe-na-yo?
Meaning: Should I sign here? -
Expression: 비밀번호를 눌러야 하나요?
Pronunciation: bi-mil-beon-ho-reul nul-leo-ya ha-na-yo?
Meaning: Do I need to enter the PIN? -
Expression: 영수증은 버려주세요.
Pronunciation: yeong-su-jeung-eun beo-ryeo-ju-se-yo.
Meaning: Please throw away the receipt. -
Expression: 포인트 적립해 주세요.
Pronunciation: po-in-teu jeok-rip-hae ju-se-yo.
Meaning: Please add points (for loyalty programs). -
Expression: 봉투 필요하세요?
Pronunciation: bong-tu pi-ryo-ha-se-yo?
Meaning: Do you need a bag? (Often asked by cashiers) -
Expression: 카드를 다시 긁어 주세요.
Pronunciation: ka-deu-reul da-si geul-geo ju-se-yo.
Meaning: Please swipe the card again.
At the ATM
-
Expression: 현금 인출
Pronunciation: hyeon-geum in-chul
Meaning: Cash withdrawal -
Expression: 계좌 이체
Pronunciation: gye-jwa i-che
Meaning: Account transfer -
Expression: 잔액 조회
Pronunciation: jan-aek jo-hoe
Meaning: Balance inquiry -
Expression: 입금
Pronunciation: ip-geum
Meaning: Deposit -
Expression: 카드를 넣어주세요.
Pronunciation: ka-deu-reul neo-eo-ju-se-yo.
Meaning: Please insert your card. -
Expression: 비밀번호를 입력하세요.
Pronunciation: bi-mil-beon-ho-reul im-nyeok-ha-se-yo.
Meaning: Please enter your PIN. -
Expression: 금액을 선택하세요.
Pronunciation: geu-mae-geul seon-taek-ha-se-yo.
Meaning: Please select the amount. -
Expression: 명세표를 받으시겠습니까?
Pronunciation: myeong-se-pyo-reul ba-deu-si-gen-seum-ni-kka?
Meaning: Would you like a transaction slip? -
Expression: 카드를 회수해 주세요.
Pronunciation: ka-deu-reul hoe-su-hae ju-se-yo.
Meaning: Please retrieve your card. -
Expression: 거래가 완료되었습니다.
Pronunciation: geo-rae-ga wan-ryo-doe-eot-seum-ni-da.
Meaning: The transaction is complete. -
Expression: 수수료가 부과됩니다.
Pronunciation: su-su-ryo-ga bu-gwa-doem-ni-da.
Meaning: A fee will be charged. -
Expression: ATM 기기가 고장 났어요.
Pronunciation: ei-ti-em gi-gi-ga go-jang na-sseo-yo.
Meaning: The ATM machine is broken.
Troubleshooting
-
Expression: 카드가 안 읽혀요.
Pronunciation: ka-deu-ga an il-kyeo-yo.
Meaning: The card isn’t reading. -
Expression: 결제가 안 돼요.
Pronunciation: gyeol-je-ga an dwae-yo.
Meaning: The payment isn’t going through. -
Expression: 비밀번호를 잊어버렸어요.
Pronunciation: bi-mil-beon-ho-reul i-jeo-beo-ryeo-sseo-yo.
Meaning: I forgot my PIN. -
Expression: 체크카드를 잃어버렸어요. 어떻게 해야 하나요?
Pronunciation: che-keu-ka-deu-reul i-reo-beo-ryeo-sseo-yo. eo-tteo-ke hae-ya ha-na-yo?
Meaning: I lost my debit card. What should I do? -
Expression: 카드 정지시켜 주세요.
Pronunciation: ka-deu jeong-ji-si-kyeo ju-se-yo.
Meaning: Please cancel/block my card. -
Expression: ATM이 제 카드를 삼켰어요.
Pronunciation: ei-ti-em-i je ka-deu-reul sam-kyeo-sseo-yo.
Meaning: The ATM swallowed my card. -
Expression: 잔액이 부족합니다.
Pronunciation: jan-ae-gi bu-jok-ham-ni-da.
Meaning: Insufficient funds. -
Expression: 다른 카드로 결제할게요.
Pronunciation: da-reun ka-deu-ro gyeol-je-hal-ge-yo.
Meaning: I’ll pay with a different card. -
Expression: 이 거래 내역에 대해 문의하고 싶어요.
Pronunciation: i geo-rae nae-yeo-ge dae-hae mun-ui-ha-go si-peo-yo.
Meaning: I want to inquire about this transaction history. -
Expression: 고객센터 전화번호가 뭐예요?
Pronunciation: go-gaek-sen-teo jeon-hwa-beon-ho-ga mwo-ye-yo?
Meaning: What is the customer service phone number?
Korean Culture Notes
Card Society: Korea is heavily reliant on card payments. Both credit cards (신용카드 – sin-yong-ka-deu) and debit cards (체크카드 – che-keu-ka-deu) are widely accepted almost everywhere, even for small purchases at convenience stores or traditional markets. Carrying large amounts of cash is generally unnecessary.
Check Card vs. Debit Card: While functionally the same as a debit card (linked directly to a bank account), the term 체크카드 (che-keu-ka-deu) is the standard term used in Korea. Using “debit card” might cause slight confusion, though most people will understand.
PIN vs. Signature: For smaller amounts (typically under 50,000 KRW), a signature is often not required. For larger amounts, you might be asked for a signature (서명 – seo-myeong) or sometimes a PIN (비밀번호 – bi-mil-beon-ho), especially with foreign cards at certain terminals.
ATM Availability: ATMs (현금 인출기 – hyeon-geum in-chul-gi or simply ATM) are ubiquitous, found in banks, convenience stores, subway stations, and shopping malls. However, note that some ATMs have specific operating hours, and not all ATMs accept foreign cards. Look for ATMs with global network logos (like Cirrus, Plus).
T-Money Function: Many Korean debit cards also have an integrated T-Money (티머니 – ti-meo-ni) function, allowing them to be used for public transportation (subway, buses) and payments at participating stores by simply tapping the card.
Real Conversation Example
Situation: A customer (A) is paying for items at a convenience store with a debit card. The cashier (B) assists.
-
Expression: A: 계산해 주세요.
Pronunciation: gye-san-hae ju-se-yo.
Meaning: Please ring this up. -
Expression: B: 네, 총 8,500원입니다.
Pronunciation: ne, chong pal-cheon-o-baek-won-im-ni-da.
Meaning: Yes, the total is 8,500 won. -
Expression: A: 체크카드로 할게요.
Pronunciation: che-keu-ka-deu-ro hal-ge-yo.
Meaning: I’ll pay with a debit card. -
Expression: B: 네, 여기에 카드 꽂아주세요.
Pronunciation: ne, yeo-gi-e ka-deu kko-ja-ju-se-yo.
Meaning: Okay, please insert your card here. -
Expression: A: (카드를 꽂는다)
Pronunciation: (ka-deu-reul kkon-neun-da)
Meaning: (Inserts the card) -
Expression: B: 영수증 필요하세요?
Pronunciation: yeong-su-jeung pi-ryo-ha-se-yo?
Meaning: Do you need a receipt? -
Expression: A: 아니요, 괜찮아요.
Pronunciation: a-ni-yo, gwaen-cha-na-yo.
Meaning: No, it’s okay. -
Expression: B: 감사합니다. 카드 가져가세요.
Pronunciation: gam-sa-ham-ni-da. ka-deu ga-jyeo-ga-se-yo.
Meaning: Thank you. Please take your card.
Practice Tips
Great job learning these essential phrases for using your 체크카드 (che-keu-ka-deu)! The best way to master them is through practice~ Try using them the next time you’re shopping or need to use an ATM in Korea. Role-playing with a friend or language partner can also be very helpful! Don’t be afraid to use your card and practice saying 체크카드로 계산할게요! Fighting! 화이팅!
