Bankszámlapénz

Bankszámlapénz, often translated as bank account money or deposit money, refers to the funds held in a customer's bank account. This is the most common form of money in modern economies, distinct from physical currency like banknotes and coins. When individuals or businesses deposit cash into their accounts, or when funds are transferred electronically, they become bankszámlapénz. This money is a liability of the bank to its depositors.

Bankszámlapénz is highly liquid, meaning it can be easily accessed and used for transactions through various means, including debit cards, checks, electronic transfers, and online banking. Unlike physical cash, it is not tangible but exists as a digital record within the banking system. The creation of bankszámlapénz is a fundamental function of commercial banks. When a bank grants a loan, it often credits the borrower's account, effectively creating new deposit money.

The total amount of bankszámlapénz in circulation, along with other forms of money, influences the broader money supply of an economy. Central banks manage the money supply, including bankszámlapénz, through monetary policy tools to achieve macroeconomic objectives such as controlling inflation and promoting economic growth. While convenient for transactions, bankszámlapénz is subject to bank insolvency risks, though deposit insurance schemes in many countries offer protection up to a certain limit.