Appearance
Vocab: Money — B2
Money vocabulary at B2 level.
Maskulin Feminin Neutrum Plural
die Arbeitslosenversicherung — unemployment insurance
Arbeitslosenversicherung is a compound meaning insurance against unemployment. It refers to the insurance system, while Arbeitslosengeld is the money a person may receive from the state.
Die Arbeitslosenversicherung unterstützt Menschen nach dem Verlust ihrer Stelle.
Unemployment insurance supports people after they lose their job.
unterstützt means supports, Menschen means people, nach dem Verlust means after the loss, and ihre Stelle means their job. Die Arbeitslosenversicherung is nominative because it is the subject; nach takes the dative here because it refers to a time after an event.
Der Staat finanziert die Arbeitslosenversicherung.
The state funds unemployment insurance.
der Staat means the state, and finanziert means funds. die Arbeitslosenversicherung is accusative because finanzieren takes a direct object; the finite verb finanziert is in position two.
Arbeitnehmer zahlen der Arbeitslosenversicherung regelmäßig Beiträge.
Employees regularly pay contributions to unemployment insurance.
Arbeitnehmer means employees, regelmäßig means regularly, and Beiträge means contributions. der Arbeitslosenversicherung is dative because zahlen uses jemandem for the recipient or institution; Beiträge is the accusative thing being paid.
Die Leistungen der Arbeitslosenversicherung sind gesetzlich geregelt.
The benefits of unemployment insurance are regulated by law.
die Leistungen means the benefits, gesetzlich means statutory or provided by law, and geregelt means regulated. der Arbeitslosenversicherung is genitive because it identifies whose benefits they are; sind geregelt is a predicative passive expression.
In Europa gibt es verschiedene Arbeitslosenversicherungen.
There are different unemployment insurance schemes in Europe.
in Europa means in Europe, verschiedene means different, and gibt es means there are. Arbeitslosenversicherungen is plural and accusative after es gibt, while in Europa is dative because it describes a location.
der Bankier — banker
Bankier is a formal word for a banking professional and is more specific than Bankangestellter, a bank employee. It is a loanword with the plural Bankiers and genitive des Bankiers.
Der Bankier berät den Kunden.
The banker advises the customer.
berät means advises and der Kunde is the customer. Der Bankier is nominative because it is the subject, while den Kunden is accusative because beraten takes a direct object.
Die Zeitung interviewt den Bankier.
The newspaper interviews the banker.
die Zeitung is the newspaper and interviewt means interviews. Den Bankier is accusative because interviewen takes a direct object; the finite verb interviewt stands in position two.
Ich vertraue dem Bankier nicht.
I do not trust the banker.
vertraue means trust and nicht means not. Dem Bankier is dative because vertrauen always takes a dative person; the finite verb vertraue is in position two.
Die Entscheidung des Bankiers überrascht alle.
The banker's decision surprises everyone.
die Entscheidung is the decision and überrascht means surprises. Des Bankiers is genitive because it means of the banker; alle means everyone and is the accusative object of überraschen.
Viele Bankiers nehmen an der Konferenz teil.
Many bankers take part in the conference.
viele means many, die Konferenz is the conference, and teilnehmen means take part. Bankiers is the plural subject; an der Konferenz is dative because an describes participation in an event here, and nehmen ... teil is a separable verb.
die Bankleitzahl — bank identification number, bank code
Bankleitzahl is a technical banking term for a number identifying a bank, especially in transfer details. In modern German, the international BIC is also often used; do not confuse Bankleitzahl with an account number.
Die Bankleitzahl steht auf dem Formular.
The bank identification number is on the form.
steht means is written or appears, and das Formular is the form. Die Bankleitzahl is nominative because it is the subject; auf dem Formular is dative because it describes a fixed location.
Bitte tragen Sie die Bankleitzahl ein.
Please enter the bank identification number.
bitte means please, eintragen means enter, and Sie is the polite form of you. Die Bankleitzahl is accusative because eintragen takes a direct object; in the polite imperative, tragen ... ein is split around the object.
Der Mitarbeiter hilft mir bei der Bankleitzahl.
The employee helps me with the bank identification number.
der Mitarbeiter is the employee and hilft means helps. Mir is dative because helfen takes a dative person, and bei der Bankleitzahl is also dative because bei always takes the dative.
Die Eingabe der Bankleitzahl ist notwendig.
Entering the bank identification number is necessary.
die Eingabe means the entry or entering, and notwendig means necessary. Der Bankleitzahl is genitive because it specifies what is entered; the finite verb ist stands in position two.
Die neuen Bankleitzahlen stehen auf der Rechnung.
The new bank identification numbers are on the invoice.
neu means new, stehen means are written or appear, and die Rechnung is the invoice. Bankleitzahlen is the plural subject; auf der Rechnung is dative because it describes location.
begleichen — to settle, to pay off
Begleichen is a strong verb: beglich – hat beglichen. It normally takes an accusative financial object such as eine Rechnung or eine Schuld.
Er begleicht die Rechnung heute.
He is paying the bill today.
die Rechnung means the bill and heute means today. Die Rechnung is accusative because it is the direct object of begleichen, and begleicht is in position two.
Sie hat die Schuld vollständig beglichen.
She has paid the debt in full.
die Schuld means the debt and vollständig means completely or in full. The perfect uses hat plus beglichen at the end; die Schuld is accusative.
Die Firma beglich den offenen Betrag.
The company paid the outstanding amount.
die Firma is the company, offen means outstanding, and der Betrag means amount. Beglich is the strong Präteritum form, while den offenen Betrag is accusative as the object.
Begleiche bitte die Rechnung bis Freitag.
Please pay the bill by Friday.
bitte means please and bis Freitag means by Friday. The imperative begleiche stands first, and die Rechnung is accusative because it is what must be paid.
Ich würde die Rechnung sofort begleichen.
I would settle the bill immediately.
sofort means immediately and die Rechnung means the bill. The Konjunktiv II with würde puts the infinitive begleichen at the end; the bill remains an accusative object.
Wir werden den Betrag nächste Woche begleichen.
We will pay the amount next week.
der Betrag means the amount and nächste Woche means next week. Futur I uses werden in position two and sends begleichen to the end; den Betrag is accusative.
das Darlehen — loan
Das Darlehen is a formal financial word for money borrowed and repaid, usually from a bank. In everyday speech, der Kredit is often more common; the plural is unusual because the form stays Darlehen.
Das Darlehen ist noch nicht vollständig zurückgezahlt.
The loan has not yet been fully repaid.
vollständig means fully or completely, and zurückgezahlt means repaid. Das Darlehen is nominative because it is the subject; ist ... zurückgezahlt describes its state, while noch nicht means not yet.
Die Bank genehmigt das Darlehen heute.
The bank is approving the loan today.
die Bank is the bank, genehmigen means to approve, and heute means today. Das Darlehen is accusative because genehmigen takes a direct object; the finite verb genehmigt is in position two.
Die Kundin zahlt für das Darlehen jeden Monat Zinsen.
The customer pays interest on the loan every month.
die Kundin is the female customer, Zinsen are interest payments, and jeden Monat means every month. The preposition für actually takes accusative, so this example shows the unchanged neuter form das Darlehen; the direct object Zinsen is also accusative.
Die Laufzeit des Darlehens beträgt zehn Jahre.
The term of the loan is ten years.
die Laufzeit is the term or duration, betragen means to amount to, and zehn Jahre means ten years. Des Darlehens is genitive because it identifies whose term is meant; the neuter noun adds -s in the genitive.
Viele Darlehen werden langfristig zurückgezahlt.
Many loans are repaid over the long term.
viele means many, langfristig means over the long term, and zurückgezahlt means repaid. Darlehen has the same ending in singular and plural, but viele and the plural verb werden show that it is plural.
einbehalten — to withhold, to retain, to keep back
This verb is common for money that is withheld, such as a deposit, tax, fee, or part of a salary. It is separable in finite forms but its Partizip II is einbehalten, not eingebehaltet.
Der Arbeitgeber behält einen Teil des Lohns ein.
The employer withholds part of the wages.
der Arbeitgeber is the employer, and der Lohn means wages or pay; einen Teil means a part. Einen Teil des Lohns is accusative because it is the object of einbehalten, while des Lohns is genitive inside that noun phrase; behält is in position two and ein is at the end.
Die Firma hat die Kaution einbehalten.
The company kept the deposit.
die Firma is the company and die Kaution is the deposit. Die Kaution is accusative because it is the object being kept; hat is the auxiliary in position two and einbehalten goes to the end, with no ge- because of be-.
Der Vermieter behielt die Kaution ein.
The landlord kept the deposit.
der Vermieter is the landlord and die Kaution is the deposit. Die Kaution is accusative because einbehalten takes a direct object; behielt is the strong past form and ein is separated at the end.
Halt bitte einen Teil des Geldes ein.
Please keep part of the money.
bitte means please, einen Teil means a part, and das Geld means the money. Einen Teil des Geldes is accusative overall, with des Geldes as a genitive phrase; the imperative halt has no du, and ein goes to the end.
Ich würde die Gebühr nicht einbehalten.
I would not withhold the fee.
die Gebühr is the fee and nicht means not. Die Gebühr is accusative because it is the object of einbehalten; after würde, the infinitive stays together and goes to the end, unlike a normal main-clause form.
Die Behörde wird den Betrag einbehalten.
The authority will withhold the amount.
die Behörde is the authority and der Betrag is the amount. Den Betrag is accusative because it is the object; wird is in position two and the complete infinitive einbehalten goes to the end.
erstatten — to reimburse, to refund; to file, to give an official report
For a person, the usual pattern is jemandem etwas erstatten: the person is dative and the money or costs are accusative. In formal language, Anzeige erstatten means to file a police report, not to reimburse a report.
Die Firma erstattet mir die Reisekosten.
The company reimburses my travel expenses.
die Firma means the company, and die Reisekosten means travel expenses. mir is dative because the person receiving the reimbursement is the indirect object, while die Reisekosten is accusative; the finite verb erstattet stands in position two.
Die Firma hat mir die Reisekosten erstattet.
The company reimbursed my travel expenses.
hat ... erstattet means reimbursed, and die Reisekosten means travel expenses. mir is dative for the recipient and die Reisekosten is accusative; hat is in position two and the Partizip II erstattet goes to the end.
Die Firma erstattete mir die Reisekosten.
The company reimbursed my travel expenses.
die Firma means the company and die Reisekosten means travel expenses. The weak-verb ending -te makes the Präteritum erstattete; mir is dative for the recipient and die Reisekosten is accusative.
Erstatte mir bitte die Taxikosten.
Please reimburse my taxi fare.
bitte means please and die Taxikosten means the taxi fare. mir is dative for the person receiving the money, while die Taxikosten is accusative; the imperative addresses one person directly.
Ich würde dir die Kosten erstatten.
I would reimburse your costs.
würde ... erstatten means would reimburse, and dir means to you. dir is dative for the recipient and die Kosten is accusative; the infinitive erstatten stands at the end after würde.
Wir werden Ihnen die Kosten erstatten.
We will reimburse your costs.
wir means we, Ihnen means to you in formal address, and die Kosten means the costs. Ihnen is dative for the recipient and die Kosten is accusative; werden is in position two and the infinitive erstatten goes to the end.
Sie erstattet Anzeige bei der Polizei.
She files a police report with the police.
Anzeige means a police report, and bei der Polizei means with the police. The fixed expression Anzeige erstatten is formal; bei takes the dative here, and the finite verb erstattet is in position two.
Der Zeuge erstattete Bericht über den Unfall.
The witness gave a report about the accident.
der Zeuge means the witness, Bericht means report, and der Unfall means the accident. Bericht erstatten is a formal fixed expression; über takes the accusative here, and erstattete is the Präteritum in position two.
der Finanzminister — finance minister
A Finanzminister is a member of the national government responsible for public money. It is a weak masculine noun: use den Finanzminister and dem Finanzminister, but der Finanzminister in the nominative.
Der Finanzminister stellt den neuen Haushalt vor.
The finance minister presents the new budget.
stellt ... vor means presents and is a separable verb; der neue Haushalt means the new budget. Der Finanzminister is nominative because he is the subject, and stellt is in position two while vor goes to the end.
Das Parlament kritisiert den Finanzminister.
Parliament criticises the finance minister.
das Parlament means parliament and kritisiert means criticises. Den Finanzminister is accusative because it is the direct object; this weak masculine noun adds -n outside the nominative.
Die Abgeordneten widersprechen dem Finanzminister.
The members of parliament contradict the finance minister.
die Abgeordneten are members of parliament and widersprechen means contradict or oppose. Dem Finanzminister is dative because widersprechen takes the dative, and the weak noun keeps the ending -n.
Die Rede des Finanzministers war sehr deutlich.
The finance minister's speech was very clear.
die Rede means the speech and deutlich means clear. Des Finanzministers is genitive to show whose speech it was; the masculine noun adds -s in this genitive form.
Mehrere Finanzminister treffen sich heute.
Several finance ministers are meeting today.
mehrere means several, treffen sich means meet one another, and heute means today. Finanzminister is unchanged in the plural, while the reflexive pronoun sich shows that the ministers meet each other.
das Finanzwesen — finance, the financial system
This is a formal compound: Finanz means finance and Wesen means system or sphere. Das Finanzwesen is usually a mass noun, so it normally has no plural; use a phrase such as Bereiche des Finanzwesens when referring to different areas.
Das Finanzwesen spielt eine wichtige Rolle in der Wirtschaft.
The financial system plays an important role in the economy.
eine wichtige Rolle means an important role, and die Wirtschaft means the economy. Das Finanzwesen is nominative because it is the subject, and the finite verb spielt stands in position two.
Die Regierung reguliert das Finanzwesen.
The government regulates the financial system.
die Regierung means the government, and regulieren means to regulate. Das Finanzwesen is accusative because it is the direct object of reguliert; the finite verb stands in position two.
Viele Unternehmen vertrauen dem Finanzwesen.
Many companies trust the financial system.
viele Unternehmen means many companies, and vertrauen means to trust. Dem Finanzwesen is dative because vertrauen takes a dative object, while the finite verb vertrauen is in position two.
Die Stabilität des Finanzwesens ist entscheidend.
The stability of the financial system is crucial.
die Stabilität means stability, and entscheidend means crucial. Des Finanzwesens is genitive because it identifies whose stability is meant; the finite verb ist stands in position two.
Sie arbeitet seit zehn Jahren im Finanzwesen.
She has worked in finance for ten years.
sie arbeitet means she works, seit zehn Jahren means for ten years, and arbeiten means to work. Im is short for in dem, and in takes the dative here because im Finanzwesen describes a fixed area of work, not movement into it.
der Groschen — groschen, old small coin
The Groschen was a former small coin in German-speaking countries. In the expression keinen Groschen haben, it can mean “not have any money,” even when no actual coin is meant.
Der Groschen lag auf dem Tisch.
The groschen was lying on the table.
liegen means to lie or be lying, and der Tisch means table. Der Groschen is nominative because it is the subject, while auf dem Tisch is dative because it describes a location; the finite verb lag is in position two.
Ich fand einen alten Groschen.
I found an old groschen.
finden means to find, alt means old, and einen means a in masculine accusative. Einen alten Groschen is accusative because fand takes a direct object, and the adjective has the ending -en after einen.
Mit einem Groschen konnte man früher ein Brötchen kaufen.
In the past, you could buy a bread roll with one groschen.
früher means in the past, können means can, and das Brötchen is a bread roll. Mit requires the dative, so mit einem Groschen is dative; the modal verb konnte is in position two and kaufen goes to the end.
Der Wert des Groschens war sehr gering.
The value of the groschen was very low.
der Wert means value, and gering means low or small. Des Groschens is genitive because it expresses the value belonging to the coin; the finite verb war stands in position two.
In der Schublade lagen drei Groschen.
There were three groschen coins in the drawer.
die Schublade means drawer, liegen means to lie or be located, and drei means three. Groschen is the plural form, unchanged from the singular; in der Schublade is dative because it describes a fixed location.
die Jahresbilanz — annual financial statement, annual balance sheet
Die Jahresbilanz is a business and finance term for the report of a company's financial position for one year. Its plural is die Jahresbilanzen; do not confuse Bilanz with an ordinary list of yearly activities.
Die Jahresbilanz zeigt einen hohen Gewinn.
The annual financial statement shows a high profit.
zeigt means shows, hoch means high, and der Gewinn means the profit. Die Jahresbilanz is nominative because it is the subject, and the finite verb zeigt is in position two.
Das Unternehmen veröffentlicht die Jahresbilanz.
The company publishes the annual financial statement.
das Unternehmen means the company, and veröffentlicht means publishes. Die Jahresbilanz is accusative because veröffentlichen takes it as its direct object; the finite verb veröffentlicht is in position two.
Nach der Jahresbilanz plant die Firma neue Investitionen.
After the annual financial statement, the company is planning new investments.
nach means after, plant means is planning, die Firma means the company, and neue Investitionen means new investments. Der Jahresbilanz is dative because nach always requires the dative; the verb plant follows the fronted prepositional phrase.
Die Ergebnisse der Jahresbilanz werden heute besprochen.
The results of the annual financial statement will be discussed today.
die Ergebnisse means the results, heute means today, and besprochen means discussed. Der Jahresbilanz is genitive because it specifies which results are meant; werden besprochen is a passive construction with the participle at the end.
Die Jahresbilanzen der letzten Jahre liegen im Archiv.
The annual financial statements from the last few years are in the archive.
der letzten Jahre means of the last few years, and liegen im Archiv means are in the archive. Die Jahresbilanzen is plural, formed with -en; der letzten Jahre is genitive and shows which statements are meant.
die Kaskoversicherung — comprehensive vehicle insurance
Kasko insurance covers damage to the insured person's own vehicle; Haftpflichtversicherung covers liability to other people. Teilkasko and Vollkasko are common types of Kaskoversicherung.
Die Kaskoversicherung bezahlt den Schaden.
The comprehensive vehicle insurance pays for the damage.
bezahlt means pays, and der Schaden means the damage. Die Kaskoversicherung is nominative as the subject, while den Schaden is accusative as the object.
Ich brauche eine Kaskoversicherung.
I need comprehensive vehicle insurance.
brauche means need. Eine Kaskoversicherung is accusative because brauchen takes a direct object; the finite verb brauche is in position two.
Mit der Kaskoversicherung bin ich gut geschützt.
With comprehensive vehicle insurance, I am well protected.
mit means with, and gut geschützt means well protected. Der Kaskoversicherung is dative because mit always takes the dative; the finite verb bin is in position two.
Die Bedingungen der Kaskoversicherung sind kompliziert.
The conditions of the comprehensive vehicle insurance are complicated.
die Bedingungen means the conditions, and kompliziert means complicated. Der Kaskoversicherung is genitive because it identifies which conditions; the plural subject Bedingungen requires sind.
Die Kaskoversicherungen werden teurer.
Comprehensive vehicle-insurance policies are becoming more expensive.
werden teurer means are becoming more expensive. Kaskoversicherungen is the plural with -en, and the plural subject requires werden.
kostbar — precious, valuable
kostbar usually describes something with high material or personal value, not merely something expensive. It can also describe time, help, or information that is especially important.
Der Ring ist kostbar.
The ring is precious.
der Ring means the ring. The adjective is predicative after ist, so it has no ending; the finite verb ist stands in position two.
Sie trägt einen kostbaren Ring.
She is wearing a precious ring.
trägt means is wearing, and der Ring is a ring. einen kostbaren Ring is accusative because trägt takes a direct object; the adjective has the strong -en ending after einen.
Diese Uhr ist kostbarer als meine.
This watch is more valuable than mine.
diese Uhr means this watch, and meine means mine. kostbarer compares two things and is followed by als; after ist, it is predicative and has no adjective ending.
Das ist der kostbarste Hinweis.
That is the most valuable clue.
der Hinweis means the clue. der kostbarste Hinweis is nominative after ist; before a noun, the superlative takes an adjective ending, rather than using am kostbarsten.
die Kostenerstattung — reimbursement of costs, expense reimbursement
Kostenerstattung is a formal compound used especially for insurance, work, and official procedures. The first part refers to costs, while Erstattung means repayment or reimbursement; do not confuse it with a refund for a returned product, which is often Rückerstattung.
Die Kostenerstattung erfolgt nach der Prüfung.
The reimbursement takes place after the review.
erfolgt means takes place or is made, and nach der Prüfung means after the review. Die Kostenerstattung is nominative because it is the subject; nach takes the dative, giving der Prüfung.
Ich beantrage die Kostenerstattung.
I am applying for reimbursement.
beantrage means apply for, and ich means I. die Kostenerstattung is accusative because it is the direct object of beantragen; the finite verb beantrage stands in position two.
Die Versicherung hilft mir bei der Kostenerstattung.
The insurance company helps me with the reimbursement.
die Versicherung means the insurance company, and hilft mir means helps me. bei requires the dative, so feminine die Kostenerstattung becomes der Kostenerstattung; mir is also dative with helfen.
Die Bedingungen der Kostenerstattung stehen im Vertrag.
The conditions for reimbursement are stated in the contract.
die Bedingungen means the conditions, stehen means are written or stated, and im Vertrag means in the contract. der Kostenerstattung is genitive singular and depends on Bedingungen; im is short for in dem, which is dative for location.
Kostenerstattungen sind bei Dienstreisen üblich.
Reimbursements are usual on business trips.
Dienstreisen means business trips, and üblich means usual or customary. Kostenerstattungen is plural nominative as the subject; bei Dienstreisen uses the dative because bei always governs the dative.
das Kreditinstitut — credit institution, financial institution; regulated banking institution
This formal compound is common in banking and official texts; in everyday speech, Bank is often more natural. The plural is Kreditinstitute, not Kreditinstituten unless a dative ending is required.
Das Kreditinstitut prüft den Antrag.
The credit institution is checking the application.
prüfen means to check, and der Antrag is an application. Das Kreditinstitut is nominative because it is the subject, and the finite verb prüft stands in position two.
Die Firma sucht das Kreditinstitut.
The company is looking for the credit institution.
die Firma is the company, and suchen means to look for. Das Kreditinstitut is accusative because suchen takes a direct object, while the finite verb sucht stands in position two.
Die Kundin vertraut dem Kreditinstitut.
The customer trusts the credit institution.
die Kundin is the female customer, and vertrauen means to trust. Dem Kreditinstitut is dative because vertrauen governs the dative, and the finite verb vertraut stands in position two.
Die Entscheidung des Kreditinstituts ist wichtig.
The credit institution’s decision is important.
die Entscheidung is the decision, and wichtig means important. Des Kreditinstituts is genitive because it identifies whose decision it is; the neuter noun adds -s in the genitive.
Viele Kreditinstitute bieten Online-Banking an.
Many credit institutions offer online banking.
viele means many, and Online-Banking means banking services on the internet. Kreditinstitute is the plural subject, and bieten ... an is a separable verb with its prefix at the end of the main clause.
Die Behörde kontrolliert jedes Kreditinstitut.
The authority monitors every credit institution.
die Behörde is the authority, and kontrollieren means to monitor or inspect. Jedes Kreditinstitut is accusative because it is the object of kontrolliert; jedes agrees with the neuter noun.
Nur zugelassene Kreditinstitute dürfen dieses Geschäft betreiben.
Only authorised credit institutions may conduct this business.
zugelassen means authorised, and dürfen means may or be allowed to. Kreditinstitute is the plural subject, and the infinitive betreiben goes to the end after the modal verb dürfen.
die Lohnfortzahlung — continued wage payment
Lohnfortzahlung is a formal legal and employment term, especially for wages paid during sickness. It is normally used as a mass noun and therefore has no plural.
Die Lohnfortzahlung beginnt am ersten Krankheitstag.
Continued wage payment begins on the first day of illness.
beginnt means begins, ersten means first, and Krankheitstag means day of illness. Die Lohnfortzahlung is nominative because it is the subject of beginnt; the finite verb stands in position two.
Die Versicherung übernimmt die Lohnfortzahlung.
The insurance company takes over continued wage payment.
Versicherung means insurance company and übernimmt means takes over or covers. Die Lohnfortzahlung is accusative because übernehmen takes a direct object; the finite verb übernimmt is in position two.
Der Arbeitgeber ist zu der Lohnfortzahlung verpflichtet.
The employer is obliged to continue paying the wages.
Arbeitgeber means employer and verpflichtet means obliged. Zu der Lohnfortzahlung is dative because zu always takes the dative; the adjective phrase zu ... verpflichtet expresses a legal duty.
Die Dauer der Lohnfortzahlung ist gesetzlich geregelt.
The duration of continued wage payment is regulated by law.
Dauer means duration, gesetzlich means statutory or by law, and geregelt means regulated. Der Lohnfortzahlung is genitive because it specifies the duration of what; the finite verb ist stands in position two.
Bei Krankheit gilt die Lohnfortzahlung nur unter bestimmten Bedingungen.
In case of illness, continued wage payment applies only under certain conditions.
Bei Krankheit means in case of illness, gilt means applies, nur means only, and bestimmten Bedingungen means certain conditions. Bei takes the dative, although the feminine noun Krankheit has the same article form in dative; die Lohnfortzahlung is nominative because it is the subject of gilt.
die Mehrkosten — additional costs, extra costs
Mehrkosten is a plural-only noun: it means costs above the original price or estimate. It is common in contracts, bills, and business language, and it does not mean all costs or ordinary expenses.
Die Mehrkosten trägt der Kunde.
The customer bears the additional costs.
trägt means bears or pays, and der Kunde means the customer. Die Mehrkosten is nominative because it is the subject; der Kunde is nominative too because it comes after the verb as the person responsible, while the costs are the object of trägt in meaning.
Der Anbieter berechnet die Mehrkosten separat.
The provider charges the additional costs separately.
der Anbieter means the provider, berechnet means charges or calculates, and separat means separately. Die Mehrkosten is accusative because berechnen takes a direct object; the adverb separat comes at the end to describe how the charging is done.
Wir widersprechen den Mehrkosten nicht.
We do not object to the additional costs.
widersprechen means object to or contradict, and nicht means not. Den Mehrkosten is dative because widersprechen always takes dative; nicht negates the whole statement and comes near the end before the final verb position.
Die Höhe der Mehrkosten steht noch nicht fest.
The amount of the additional costs has not yet been determined.
die Höhe means the amount or level, and steht noch nicht fest means has not yet been determined. Der Mehrkosten is genitive because it specifies the amount of what; the separable expression feststehen forms a sentence bracket with steht and fest.
Die Mehrkosten werden später abgerechnet.
The additional costs will be billed later.
werden abgerechnet means are billed, and später means later. Die Mehrkosten is plural nominative as the subject of the passive sentence; werden is the finite verb in position two, while abgerechnet goes to the end.
die Mieterhöhung — rent increase
This compound combines der Mieter (tenant) and die Erhöhung (increase). It usually refers to a landlord raising the rent, often in a housing or legal context.
Die Mieterhöhung gilt ab Januar.
The rent increase applies from January.
ab Januar means from January, and gilt means applies or is valid. Die Mieterhöhung is nominative because it is the subject; the finite verb gilt is in position two.
Der Vermieter kündigt die Mieterhöhung schriftlich an.
The landlord announces the rent increase in writing.
der Vermieter is the landlord, and schriftlich means in writing. Die Mieterhöhung is accusative because ankündigen takes a direct object; the separable verb appears as kündigt ... an in the main clause.
Die Mieterin widerspricht der Mieterhöhung.
The female tenant objects to the rent increase.
die Mieterin is the female tenant, and widerspricht means objects or disagrees. Der Mieterhöhung is dative because widersprechen requires the dative, not the accusative.
Die Begründung der Mieterhöhung ist unklar.
The reason for the rent increase is unclear.
die Begründung means the reason or justification, and unklar means unclear. Der Mieterhöhung is genitive because it identifies whose reason it is; the feminine genitive article is der.
Viele Mieterhöhungen sind gesetzlich begrenzt.
Many rent increases are legally limited.
viele means many, gesetzlich means set by law, and begrenzt means limited. Mieterhöhungen is plural and is the subject, so the verb sind is plural.
die Pflegeversicherung — long-term-care insurance
Die Pflegeversicherung is usually discussed as part of the German social-insurance system. It pays only some costs, so people may also need their own money or additional insurance.
Die Pflegeversicherung übernimmt einen Teil der Kosten.
Long-term-care insurance covers part of the costs.
übernimmt means covers or takes over, einen Teil means a part, and die Kosten means the costs. Die Pflegeversicherung is nominative because it is the subject; the accusative object einen Teil der Kosten follows the verb.
Viele Familien brauchen die Pflegeversicherung.
Many families need long-term-care insurance.
viele Familien means many families, and brauchen means need. Die Pflegeversicherung is accusative as the direct object of brauchen; the feminine article looks the same as in the nominative.
Mit der Pflegeversicherung können Angehörige Unterstützung bekommen.
With long-term-care insurance, relatives can receive support.
mit means with, Angehörige means relatives, and Unterstützung means support. Mit always requires the dative, so der Pflegeversicherung is dative; the modal verb können sends bekommen to the end.
Die Leistungen der Pflegeversicherung sind begrenzt.
The benefits provided by long-term-care insurance are limited.
die Leistungen means the benefits, and begrenzt means limited. Der Pflegeversicherung is genitive because it identifies whose benefits they are; the adjective begrenzt comes after the verb sind.
Private Pflegeversicherungen bieten oft zusätzliche Leistungen.
Private long-term-care insurance schemes often offer additional benefits.
private means private, bieten means offer, oft means often, and zusätzliche Leistungen means additional benefits. Pflegeversicherungen is nominative plural as the subject, and zusätzliche Leistungen is accusative after bieten.
die Rentenversicherung — pension insurance; pension insurance scheme; private pension insurance
Die Rentenversicherung can mean the public pension system as a whole or a private pension-insurance policy. In Germany, die gesetzliche Rentenversicherung is the statutory system funded mainly by contributions.
Die Rentenversicherung ist in Deutschland gesetzlich geregelt.
Pension insurance is regulated by law in Germany.
gesetzlich means statutory or regulated by law, and geregelt means regulated. Die Rentenversicherung is nominative because it is the subject of the passive sentence; ist ... geregelt forms the passive with sein and the participle at the end.
Viele Menschen prüfen ihre Rentenversicherung.
Many people check their pension insurance.
viele Menschen means many people, and prüfen means to check or review. ihre Rentenversicherung is accusative because prüfen takes an accusative object; ihre agrees with the feminine noun.
Er zahlt jeden Monat in die Rentenversicherung ein.
He pays into the pension insurance system every month.
jeden Monat means every month, and einzahlen means to pay money into an account or system. in takes the dative here because the payment goes into an existing system rather than describing a change of location; einzahlen splits into zahlt ... ein.
Die Leistungen der Rentenversicherung sind unterschiedlich.
The benefits of pension insurance are different.
die Leistungen are the benefits or payments, and unterschiedlich means different. der Rentenversicherung is genitive because it identifies whose benefits they are; sind is in position two.
Private Rentenversicherungen können zusätzlich sinnvoll sein.
Private pension insurance plans can also be useful.
private means private, zusätzlich means additionally, and sinnvoll means useful or sensible. Rentenversicherungen is plural and is the subject; the modal verb können is in position two and sein goes to the end.
Sie hat eine private Rentenversicherung abgeschlossen.
She took out private pension insurance.
privat means private, and abschließen means to take out or conclude a contract. eine private Rentenversicherung is accusative after abschließen; its participle abgeschlossen goes to the end with hat in the perfect.
Die Beratung zur Rentenversicherung kostet nichts.
The consultation about pension insurance costs nothing.
die Beratung means the consultation, zu means about or concerning here, and nichts means nothing. zur Rentenversicherung is a prepositional phrase with dative zur; the finite verb kostet is in position two.
der Schilling — schilling
Schilling most often means the former Austrian currency; it can also mean a British shilling in historical contexts. Austria replaced the Schilling with the euro in 2002.
Der Schilling war die österreichische Währung.
The schilling was Austria’s currency.
war means was, österreichisch means Austrian, and Währung means currency. Der Schilling is the nominative subject; war is the past form of sein, and the sentence describes a former currency.
Viele Menschen vermissen den Schilling.
Many people miss the schilling.
viele Menschen means many people and vermissen means miss. den Schilling is accusative because vermissen takes a direct object; the masculine article changes from der to den.
Die Bank gab dem Schilling einen festen Wert.
The bank gave the schilling a fixed value.
die Bank is the bank, gab means gave, and einen festen Wert means a fixed value. dem Schilling is dative because it is the thing assigned a value, while einen festen Wert is accusative.
Der Wert des Schillings fiel langsam.
The value of the schilling fell slowly.
der Wert is the value and fiel langsam means fell slowly. des Schillings is genitive because it identifies whose value is meant; the noun adds -s.
Früher kostete das Brot zwei Schillinge.
In the past, the bread cost two schillings.
früher means in the past, kostete means cost, and das Brot is the bread. zwei Schillinge is plural after zwei; the plural form has -e.
der Skonto — prompt-payment discount
Der Skonto is a business term for a discount offered for paying an invoice promptly. It is commonly used with gewähren, abziehen, or nutzen; the usual plural is Skonti.
Das Skonto beträgt zwei Prozent.
The prompt-payment discount is two percent.
beträgt means amounts to, and zwei Prozent means two percent. Das Skonto is nominative because it is the subject, and the finite verb beträgt stands in position two.
Wir ziehen das Skonto von der Rechnung ab.
We deduct the prompt-payment discount from the invoice.
ziehen ... ab means deduct, and die Rechnung is the invoice. Das Skonto is accusative because abziehen takes a direct object; the separable verb has ziehen in position two and ab at the end.
Der Kunde bezahlt mit dem Skonto.
The customer pays with the prompt-payment discount.
der Kunde is the customer, and bezahlt means pays. Dem Skonto is dative because mit always takes the dative; bezahlt is in position two.
Die Höhe des Skontos steht auf der Rechnung.
The amount of the prompt-payment discount is shown on the invoice.
die Höhe is the amount, and steht auf der Rechnung means is shown on the invoice. Des Skontos is genitive because it specifies the amount belonging to the discount; the noun gets -s in the genitive.
Viele Firmen bieten Skonti an.
Many companies offer prompt-payment discounts.
viele Firmen means many companies, and bieten ... an means offer. Skonti is plural and is the accusative object of anbieten; the separable prefix an goes to the end.
der Solidaritätszuschlag — solidarity surcharge; tax surcharge for certain taxpayers
der Solidaritätszuschlag is a German tax term, often shortened in everyday and financial contexts to Soli. Its plural is Solidaritätszuschläge, with an umlaut and -e.
Der Solidaritätszuschlag wird direkt von der Steuer abgezogen.
The solidarity surcharge is deducted directly from the tax.
wird abgezogen means is deducted, direkt means directly, and Steuer means tax. Der Solidaritätszuschlag is the nominative subject of the passive sentence; the finite verb wird is in position two and abgezogen goes to the end.
Viele Menschen zahlen den Solidaritätszuschlag nicht mehr.
Many people no longer pay the solidarity surcharge.
viele Menschen means many people, zahlen means pay, and nicht mehr means no longer. Den Solidaritätszuschlag is accusative because zahlen takes the tax as a direct object; the finite verb zahlen stands in position two.
Mit dem Solidaritätszuschlag finanziert der Staat bestimmte Aufgaben.
The state finances certain tasks with the solidarity surcharge.
mit means with, finanziert means finances, Staat means state, and bestimmte Aufgaben means certain tasks. Dem Solidaritätszuschlag is dative because mit always takes the dative; the finite verb finanziert is in position two after the fronted phrase.
Die Höhe des Solidaritätszuschlags hängt vom Einkommen ab.
The amount of the solidarity surcharge depends on income.
Höhe means amount, hängt ... ab means depends on, and Einkommen means income. Des Solidaritätszuschlags is genitive because it specifies whose amount it is; the separable verb puts hängt in position two and ab at the end.
Die Solidaritätszuschläge wurden neu berechnet.
The solidarity surcharges were recalculated.
wurden means were, neu means newly, and berechnet means calculated. Solidaritätszuschläge is the plural, formed with an umlaut and -e; the passive participle berechnet stands at the end.
Die Regierung diskutiert den Solidaritätszuschlag im Parlament.
The government is discussing the solidarity surcharge in parliament.
Regierung means government, diskutiert means discusses, and Parlament means parliament. Den Solidaritätszuschlag is accusative because diskutieren takes a direct object; im Parlament is a location phrase with dative im.
Für den Solidaritätszuschlag gelten besondere Regeln.
Special rules apply to the solidarity surcharge.
für means for, gelten means apply, and besondere Regeln means special rules. Den Solidaritätszuschlag is accusative because für always takes the accusative; the finite verb gelten is in position two after the fronted prepositional phrase.
die Unkosten — costs, expenses
Unkosten is a plural-only noun: it normally has no singular form. It is often used for additional or incidental expenses and can sound more formal than Kosten.
Die Unkosten sind sehr hoch.
The expenses are very high.
sehr hoch means very high. Die Unkosten is plural and nominative because it is the subject, so the verb is sind, not ist; sind stands in position two.
Wir müssen die Unkosten bezahlen.
We have to pay the expenses.
müssen means have to and bezahlen means pay. Die Unkosten is accusative because bezahlen takes a direct object; the modal verb müssen is in position two and bezahlen goes to the end.
Die Firma hilft uns bei den Unkosten.
The company helps us with the expenses.
die Firma means the company and hilft means helps. Bei always takes the dative, so den Unkosten is dative plural; hilft is in position two.
Wegen der Unkosten verschieben wir die Reise.
Because of the expenses, we are postponing the trip.
wegen means because of, verschieben means postpone, and die Reise means the trip. Der Unkosten is genitive plural because formal wegen takes the genitive; after the opening phrase, verschieben is still in position two.
Die Unkosten für das Fest waren unerwartet.
The costs for the party were unexpected.
das Fest means the party and unerwartet means unexpected. Unkosten is plural-only, and waren is the plural preterite of sein; für das Fest is an additional phrase with accusative after für.
verpachten — to lease out, to rent out
Verpachten is used by an owner or landlord who leases something to another person; the tenant pachtet it. It is a regular verb with haben in the perfect: hat verpachtet.
Die Familie verpachtet das Grundstück an einen Bauern.
The family leases the plot of land to a farmer.
die Familie means the family, das Grundstück is the plot of land, and der Bauer is the farmer. Das Grundstück is accusative because verpachten takes a direct object, while an einen Bauern uses an with the accusative to name the person receiving the lease; the finite verb verpachtet is in position two.
Die Familie hat das Grundstück an einen Bauern verpachtet.
The family has leased the plot of land to a farmer.
die Familie means the family, das Grundstück is the plot of land, and der Bauer is the farmer. Das Grundstück is accusative as the direct object, and the perfect uses hat plus verpachtet; the participle goes to the end of the clause.
Die Familie verpachtete das Grundstück an einen Bauern.
The family leased the plot of land to a farmer.
die Familie means the family, das Grundstück is the plot of land, and der Bauer is the farmer. Das Grundstück is accusative because it is the object of verpachtete, and the regular past ending is -te; the finite verb is in position two.
Verpachte das Feld an einen Nachbarn.
Lease the field to a neighbour.
das Feld means the field, and der Nachbar is the neighbour. The imperative verpachte addresses one person informally; das Feld is accusative, and an einen Nachbarn is accusative after an because it identifies the recipient.
Ich würde das Haus an diese Firma verpachten.
I would lease the house to this company.
ich means I, das Haus is the house, and diese Firma means this company. Würde verpachten expresses a hypothetical plan, with the infinitive at the end; das Haus is accusative and an diese Firma is accusative after an.
Die Gemeinde wird das Gebäude an ein Hotel verpachten.
The municipality will lease the building to a hotel.
die Gemeinde means the municipality, das Gebäude is the building, and das Hotel is the hotel. Future wird verpachten places the finite verb in position two and the infinitive at the end; das Gebäude is accusative, and an ein Hotel names the recipient.
verzollen — to declare goods for customs
Verzollen is used for goods that must be declared to customs; it is more specific than anmelden, to register or declare generally. The person declares etwas in the accusative, for example die Waren.
Der Reisende verzollt seine Waren am Flughafen.
The traveller declares his goods at the airport.
der Reisende means the traveller, seine Waren means his goods, and der Flughafen means the airport. The finite verb verzollt is in position two; seine Waren is accusative because verzollen takes the goods as its direct object, while am Flughafen gives the location.
Wir haben die Geschenke beim Zoll verzollt.
We declared the presents at customs.
die Geschenke means the presents, and beim Zoll means at customs. The perfect uses haben plus verzollt at the end; die Geschenke is the accusative object.
Sie verzollte das teure Gerät sofort.
She declared the expensive device immediately.
das teure Gerät means the expensive device, and sofort means immediately. The weak past form verzollte stands in position two, and das teure Gerät is accusative as the direct object.
Verzolle den Computer am Schalter.
Declare the computer at the counter.
der Computer means the computer, and der Schalter means the counter or desk. The imperative Verzolle starts the sentence, and den Computer is accusative because it is the object.
Er würde die Kamera nicht verzollen.
He would not declare the camera for customs.
die Kamera means the camera, and nicht means not. The conditional uses würde with the infinitive verzollen at the end; die Kamera is accusative.
Ihr werdet die Waren bei der Einreise verzollen.
You will declare the goods when entering the country.
ihr means you plural, die Waren means the goods, and bei der Einreise means when entering the country. Werdet is in position two and the infinitive verzollen goes to the end; die Waren is the accusative object.
der Zahlungsempfänger — payment recipient; payee
This formal compound is common on invoices and bank-transfer forms. It is made from Zahlung, payment, and Empfänger, recipient.
Der Zahlungsempfänger steht auf der Rechnung.
The payment recipient is shown on the invoice.
steht means is written or appears, auf der Rechnung means on the invoice, and Rechnung is an invoice. Der Zahlungsempfänger is nominative as the subject; auf takes the dative here because the information has a fixed location.
Bitte nennen Sie den Zahlungsempfänger.
Please name the payment recipient.
bitte means please and nennen means to name or state. Den Zahlungsempfänger is accusative because nennen takes a direct object; Sie is the formal imperative subject and the verb comes first.
Wir schicken dem Zahlungsempfänger eine Bestätigung.
We send the payment recipient a confirmation.
schicken means to send and eine Bestätigung is a confirmation. Dem Zahlungsempfänger is dative because it is the recipient, while eine Bestätigung is the accusative thing being sent.
Die Adresse des Zahlungsempfängers ist falsch.
The recipient's address is wrong.
die Adresse is the address and falsch means wrong. Des Zahlungsempfängers is genitive after die Adresse, showing whose address it is; the masculine noun takes -s in this genitive phrase.
Die Zahlungsempfänger warten auf das Geld.
The payment recipients are waiting for the money.
warten means to wait and auf das Geld means for the money. Zahlungsempfänger is plural and has the same form as the singular; warten auf takes the accusative, so das Geld is accusative.
Der Zahlungsempfänger muss die Kontodaten prüfen.
The payment recipient must check the bank details.
müssen means must, die Kontodaten are the bank details, and prüfen means to check. Der Zahlungsempfänger is nominative, and the infinitive prüfen goes to the end after the modal verb muss.
die Zahlungserinnerung — payment reminder
A Zahlungserinnerung is often a polite first reminder about an unpaid invoice. It is usually less severe than eine Mahnung, a formal demand for payment.
Die Zahlungserinnerung liegt auf meinem Schreibtisch.
The payment reminder is on my desk.
liegt means is lying, mein Schreibtisch is my desk, and auf means on. Die Zahlungserinnerung is nominative as the subject; auf meinem Schreibtisch is dative because auf describes a fixed location.
Ich habe die Zahlungserinnerung gestern gelesen.
I read the payment reminder yesterday.
gestern means yesterday and gelesen means read. Die Zahlungserinnerung is accusative as the object of lesen; in the perfect, habe is in position two and gelesen goes to the end.
Wir antworten der Zahlungserinnerung nicht.
We are not responding to the payment reminder.
antworten means to respond and nicht means not. Der Zahlungserinnerung is dative because antworten governs the dative; this is why the feminine article is der, not die.
Der Inhalt der Zahlungserinnerung ist freundlich formuliert.
The wording of the payment reminder is friendly.
der Inhalt means the content, freundlich means friendly, and formuliert means worded. Der Zahlungserinnerung is genitive after der Inhalt, expressing whose content it is; freundlich formuliert follows sein as a predicate.
Mehrere Zahlungserinnerungen kamen in diesem Monat.
Several payment reminders arrived this month.
mehrere means several, kamen means arrived or came, and in diesem Monat means this month. Zahlungserinnerungen is the plural subject, and kamen is the plural preterite form of kommen.
Die Firma schickt eine Zahlungserinnerung, bevor sie mahnt.
The company sends a payment reminder before it sends a formal demand for payment.
die Firma is the company, bevor means before, and mahnen means to issue a formal payment demand. Eine Zahlungserinnerung is accusative after schickt; in the subordinate clause after bevor, the finite verb mahnt goes to the end.
die Zusatzversicherung — supplementary insurance, additional insurance
This compound combines der Zusatz, an addition, with die Versicherung, insurance. It normally means extra cover alongside basic insurance, not a completely separate replacement policy.
Die Zusatzversicherung übernimmt die Kosten für das Einzelzimmer.
The supplementary insurance covers the cost of the private room.
übernimmt means “covers” or “takes over”, die Kosten means “the costs”, and das Einzelzimmer is a private room. Die Zusatzversicherung is nominative because it is the subject, and the finite verb übernimmt stands in position two.
Ich bezahle die Zusatzversicherung jeden Monat.
I pay for the supplementary insurance every month.
bezahle means “pay”, and jeden Monat means “every month”. Die Zusatzversicherung is accusative because bezahlen takes a direct object; the finite verb bezahle is in position two.
Mit der Zusatzversicherung bekomme ich schneller einen Termin.
With the supplementary insurance, I get an appointment more quickly.
mit means “with”, schneller means “more quickly”, and einen Termin is an appointment. Der Zusatzversicherung is dative because mit always takes the dative, and bekomme is in position two after the fronted prepositional phrase.
Die Leistungen der Zusatzversicherung sind genau erklärt.
The benefits of the supplementary insurance are explained clearly.
die Leistungen are the benefits or services, and genau erklärt means “explained clearly”. Der Zusatzversicherung is genitive because it identifies whose Leistungen they are; the verb sind remains in position two.
Viele Zusatzversicherungen bieten Schutz im Ausland.
Many supplementary insurance policies offer cover abroad.
viele means “many”, bieten means “offer”, and der Ausland idea in im Ausland means “abroad”. Zusatzversicherungen is nominative plural as the subject, so the verb is plural: bieten, not bietet.