commissions de mouvement

English translation: account activity charge

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
French term or phrase:commissions de mouvement
English translation:account activity charge
Entered by: Neveen Abdallah

12:55 Dec 18, 2020
French to English translations [PRO]
Finance (general)
French term or phrase: commissions de mouvement
Est ce que " commissions de mouvement " veut dire "transactions fees" en Anglais?

Et voilà le contexte: "

Mon banquier prélève des commissions de mouvement sur mon compte – est-ce normal ?
La commission de mouvement est une commission calculée sur le montant total des opérations de débit enregistrées sur un compte indépendamment du solde débiteur ou créditeur de celui-ci. Elle répercute le coût généré par les mouvements débiteurs de capitaux sur le compte. Elle s’applique sur les comptes professionnels et entre dans la catégorie des commissions de gestion.
Neveen Abdallah
Local time: 12:47
account activity charge
Explanation:
See record 2 of https://www.btb.termiumplus.gc.ca/tpv2alpha/alpha-eng.html?l...
Selected response from:

Marco Solinas
Local time: 03:47
Grading comment
4 KudoZ points were awarded for this answer



Summary of answers provided
3 +5account turnover fee
Rob Grayson
3 +4account activity charge
Marco Solinas
4 +1transaction commission / fee
Conor McAuley
4Transaction fee or bank charges
Manoj Chauhan


Discussion entries: 4





  

Answers


11 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5
Transaction fee or bank charges


Explanation:
Definitely it works here... it is a standard term used in the banking operation -
https://www.linternaute.fr/dictionnaire/fr/definition/commis...

Manoj Chauhan
India
Local time: 11:47
Works in field
Native speaker of: English
PRO pts in category: 6

Peer comments on this answer (and responses from the answerer)
neutral  Rob Grayson: "Bank charges" is too vague and "transaction fee" is incorrect
1 hr

neutral  AllegroTrans: too vague
1 day 12 hrs
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1 hr   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): +5
account turnover fee


Explanation:
Contra other answerers, from the description provided this is clearly *not* a plain vanilla transaction fee.

A transaction fee is either a fixed or a percentage charge that is charged in respect of an individual transaction (hence its name). Conversely, the description provided here makes clear that the commission de mouvement is calculated on the total value of debit transactions over the period in question – i.e. the debit turnover through the account.

I suggest "account turnover fee", which I suggest has three benefits: (i) readers are unlikely to confuse it with a plain vanilla transaction fee; (ii) it's reasonably self-explanatory; and (iii) a Google search suggests at least some real-world usage.

Rob Grayson
United Kingdom
Local time: 10:47
Specializes in field
Native speaker of: English
PRO pts in category: 805

Peer comments on this answer (and responses from the answerer)
agree  writeaway
17 mins

agree  Francois Boye
50 mins

agree  AllegroTrans: Yes, good descriptive translation but I wonder if there is another industry term
3 hrs
  -> Not that I know of, and I worked in banking for over a decade, most of it in the business sector.

agree  Rachel Fell
3 hrs

neutral  Adrian MM.: Not very impressive refs. In the USA, account turnover rmeans 'turning over' a receivable to a debt collection agency for recovery: https://www.cnbc.com/select/what-to-do-if-your-debt-goes-to-... //Your categoric answer still misses the US trap.
9 hrs
  -> Well, since I'm not interested in "impressing" anyone, that's fine by me. And I see nothing in your link suggesting that the specific term "account turnover" means what you say it does in the US. // Um, where did I say my answer was "categoric"?

agree  ph-b (X): Not my field, so just out of interest: is your "turnover" the same as opérations de débit in the ST? I thought "turnover" was both "in and out" (so to speak!), not just "out". Why not your own "debit turnover fee"?/Agree source term is not specific
20 hrs
  -> Strictly speaking it would be "debit turnover"; I'm not sure whether the term itself needs to be that specific. // The source term *is* specific ("calculée sur le montant total des opérations de débit") – I'm not sure the EN version needs to be.
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9 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +1
transaction commission / fee


Explanation:
mouvement: a movement of money in or out of a bank account

Transaction is both a countable and a non-countable noun, your choice.

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Note added at 13 mins (2020-12-18 13:08:29 GMT)
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It sounds like the commission is maybe charged monthly, quarterly or annually, so you could include one of those words too.

I suppose the difference between commission and fee is that the former is calculated on a percentage basis, whereas the latter is a fixed fee, say €1 per transaction.

Frais = fees

--------------------------------------------------
Note added at 15 mins (2020-12-18 13:10:28 GMT)
--------------------------------------------------

CORRECTION: commission is both a countable and a non-countable noun, your choice.

Since the text doesn't say "frais", put commission in English.

--------------------------------------------------
Note added at 1 hr (2020-12-18 14:37:13 GMT)
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Monthly/quarterly/annual volume-based debit transaction commission

Now I'm just making things up...or being creative, given that there doesn't appear to be an equivalent in English-speaking cultures, for an obvious reason.

And to answer the question "est-ce normal ?", no it isn't.



Conor McAuley
France
Local time: 11:47
Specializes in field
Native speaker of: English
PRO pts in category: 127

Peer comments on this answer (and responses from the answerer)
neutral  Rob Grayson: It's not a transaction fee. Transaction fees relate to specific transactions.
1 hr

agree  SafeTex: I don't see any difference between individual and total transactions here. If the fee is for e.g. 5% on individual or total transactions, the result will be the same
18 hrs
  -> Thanks SafeTex!
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6 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): +4
account activity charge


Explanation:
See record 2 of https://www.btb.termiumplus.gc.ca/tpv2alpha/alpha-eng.html?l...

Marco Solinas
Local time: 03:47
Specializes in field
Native speaker of: Native in EnglishEnglish, Native in ItalianItalian
PRO pts in category: 87

Peer comments on this answer (and responses from the answerer)
agree  Adrian MM.: Good ref. and this is what it was called - in 'offshore English' - at the bank I used to work at.
4 hrs

agree  ph-b (X): Not my field, so just out of interest: is your "account activity" the same as opérations de débit in the ST? I thought "account transactions" (Termium) is both "in and out" (so to speak!), not just "out"./As RG points out, source term not specific.
15 hrs

agree  Rob Grayson: This is a decent solution, yes.
15 hrs

agree  AllegroTrans
20 hrs
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