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March 24, 2026
活期()huóqī(huo2qi1)
活期 refers to a type of bank account that allows for flexible deposits and withdrawals without penalties. It is commonly used for day-to-day banking needs, enabling easy access to funds as opposed to fixed-term deposits, which require funds to be locked in for a specified period.
Frequency#56045DifficultyVery Hard
Cultural Note
In China, the distinction between 活期 and 定期 accounts reflects the broader cultural emphasis on saving and financial planning, especially as more people engage in investing and managing their wealth actively.
Memory Tip
Imagine a lively fish (活) swimming freely in a stream, representing flexibility. The character '期' can remind you of a timeline or period, so think of a fish that can move in and out of a bank without restrictions. Together, 活期 signifies a current account that flows freely.
Meanings of 活期
huóqī(huo2qi1)
1(banking) current (account)
2checking (account)
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About 活期
活期Simplified
Traditional
—Strokes
—Radical
形容词xíngróngcíadjective (adj.)Part of Speech
#—Frequency Rank
HSK 3.0L7AdvancedBCT✓CEFRC2
Podcast: 活期
Podcast: 活期
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AI Study Notes for 活期
Quick Contrast
定期 (dìngqī) - use 活期 for accounts with flexible access, while 定期 is for fixed-term deposits that restrict access to funds.
Memory Mnemonic
Imagine a lively fish (活) swimming freely in a stream, representing flexibility. The character '期' can remind you of a timeline or period, so think of a fish that can move in and out of a bank without restrictions. Together, 活期 signifies a current account that flows freely.
Usage Notes
Learners often confuse 活期 with 定期 (fixed term), which denotes a savings account with a locked period. It's essential to use the correct term depending on whether you are discussing flexible access to funds or fixed deposits. 活期 is typically more informal and casual in conversations about banking.
HSK Study Tips
While 活期 may not appear on lower HSK levels, it is useful for those studying financial vocabulary in HSK 5 and above. Focus on understanding related terms like 定期 (fixed term) and 存款 (deposit) to enhance comprehension of banking contexts.
Cultural Note
In China, the distinction between 活期 and 定期 accounts reflects the broader cultural emphasis on saving and financial planning, especially as more people engage in investing and managing their wealth actively.
Common Mistakes
Learners might mistakenly use 活期 when referring to savings in a fixed account, saying '我有一个活期存款' instead of '我有一个定期存款'. Always clarify the type of account being discussed.
AI-enhanced 2026-03-24
Pronunciation of 活期
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Cultural Notes for 活期
🏮Cultural insight
In China, the distinction between 活期 and 定期 accounts reflects the broader cultural emphasis on saving and financial planning, especially as more people engage in investing and managing their wealth actively.
Frequently Asked Questions about 活期
活期 allows for flexible access to funds while 定期 requires you to lock your money for a specific period.
Yes, but the interest rates for 活期 accounts are usually lower compared to 定期 accounts.
It's better for easy access to funds rather than as a primary saving method due to lower interest rates.
