活期账号是什么？

中文版

活期账号，又称活期存款账户，是银行为客户提供的一种基本存款账户。与定期存款账户不同，活期存款账户允许客户随时存取资金，不受时间限制。因此，活期账号成为了人们日常生活中最常用的银行账户之一。

活期账号的特点主要有以下几点：

首先，活期账号具有高度的灵活性。客户可以根据自己的需要随时存取资金，无需提前通知银行。这种灵活性使得活期账号成为应对日常生活开销、紧急支出等情况的理想选择。

其次，活期账号通常没有固定的存款期限。客户可以根据自己的需要，长期或短期持有资金。这使得活期账号在资金管理方面具有较高的便利性。

最后，活期账号的利率相对较低。由于银行为客户提供随时存取的服务，因此需要支付更多的运营成本，导致利率较低。但尽管如此，活期账号仍然是许多人日常财务管理的重要工具。

英文版

What Is a Current Account?

A current account, also known as a demand deposit account, is a basic deposit account offered by banks to their customers. Unlike a fixed deposit account, a current account allows customers to deposit and withdraw funds at any time, without any time restrictions. Therefore, the current account has become one of the most commonly used bank accounts in people's daily lives.

There are several key features of a current account:

Firstly, a current account offers high flexibility. Customers can deposit and withdraw funds at any time according to their needs, without the need to inform the bank beforehand. This flexibility makes the current account an ideal choice for daily expenses, emergency payments, and other situations.

Secondly, a current account typically does not have a fixed deposit term. Customers can hold funds for as long or as short a period as they need. This adds to the convenience of managing funds through a current account.

Lastly, the interest rate on a current account is relatively low. Because banks provide customers with the convenience of depositing and withdrawing funds at any time, they need to cover higher operating costs, leading to lower interest rates. Nevertheless, the current account remains an essential tool for many people in their daily financial management.