talones

English translation: checks;cheques/drafts

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
Spanish term or phrase:talones/cheques
English translation:checks;cheques/drafts
Entered by: Robert Forstag

11:24 Jun 6, 2019
Spanish to English translations [PRO]
Bus/Financial - Law (general) / Authorization of power of attorney (Spain)
Spanish term or phrase: talones
The context of the extract below is an authorization of power of attorney from Spain, and the question is what the proper translation of “talones” would be in a context where “cheques” is also mentioned. Perhaps “talones” refers to “bank drafts” and “cheques” to ordinary checks. Or maybe it is the other way around.

I did not find the help I needed in the glossaries. Apologies in advance if the answer was there and I somehow missed it.

Many thanks.

*******

TÍTULOS VALORES Y PRÁCTICA BANCARIA

Librar, aceptar, avalar, descontar, endosar, cobrar, pagar, intervenir, y protestar letras de cambio, **talones**, libranzas, pagarés, cheques y otros efectos, y formular cuentas de abrir, prorrogar, renovar, seguir, cancelar y liquidar libretas de ahorro, cuentas Corrientes y de crédito, líneas de descuento, imposiciones a plazo y certificados de depósito, con garantía personal, de valores o cualquier otra; disponer de los fondos en metálico, firmando cheques y **talones**, efectuando transferencias….
Robert Forstag
United States
Local time: 07:34
cheques
Explanation:
Cheques are understood in English as drawn by a bank customer on their own funds.

Un talón o cheque es un documento de pago que puede ser de tres tipos: el cheque bancario, avalado por una entidad bancaria o financiera (el banco que compromete a pagar el importe que aparece en el cheque); el cheque personal o talón (el más común), entregado por la entidad bancaria que guarda los ahorros de la persona que firma el cheque y es personalizado a ese titular de la cuenta aunque el banco no cubre falta de liquidez del librador (quien rellena y firma el talón); y el cheque conformado, que es un cheque personal pero con el aval del banco (un sello en el anverso y reverso) que confirma que el librador dispone de suficiente dinero para cubrir el pago del cheque.
Diferencia entre cheque, talón y pagaré: aprende a reconocerlos
https://www.descuentodepagares.net/diferencias-pagare-talon-...

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Note added at 13 mins (2019-06-06 11:38:20 GMT)
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So in your list, "cheque" would translate as "draft"
Selected response from:

patinba
Argentina
Local time: 09:34
Grading comment
Thank you, patinba. Once again, the question was not so much regarding the translation of “talones” in European Spanish as it was on how to deal with “talones” and “cheques” when they are both mentioned within the same list of items - as was the case here.
4 KudoZ points were awarded for this answer



Summary of answers provided
4 +2cheques
patinba


  

Answers


10 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +2
cheques


Explanation:
Cheques are understood in English as drawn by a bank customer on their own funds.

Un talón o cheque es un documento de pago que puede ser de tres tipos: el cheque bancario, avalado por una entidad bancaria o financiera (el banco que compromete a pagar el importe que aparece en el cheque); el cheque personal o talón (el más común), entregado por la entidad bancaria que guarda los ahorros de la persona que firma el cheque y es personalizado a ese titular de la cuenta aunque el banco no cubre falta de liquidez del librador (quien rellena y firma el talón); y el cheque conformado, que es un cheque personal pero con el aval del banco (un sello en el anverso y reverso) que confirma que el librador dispone de suficiente dinero para cubrir el pago del cheque.
Diferencia entre cheque, talón y pagaré: aprende a reconocerlos
https://www.descuentodepagares.net/diferencias-pagare-talon-...

--------------------------------------------------
Note added at 13 mins (2019-06-06 11:38:20 GMT)
--------------------------------------------------

So in your list, "cheque" would translate as "draft"

patinba
Argentina
Local time: 09:34
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 1201
Grading comment
Thank you, patinba. Once again, the question was not so much regarding the translation of “talones” in European Spanish as it was on how to deal with “talones” and “cheques” when they are both mentioned within the same list of items - as was the case here.
Notes to answerer
Asker: Thank you, patinba. I had translated "libranza" as "draft," so I wonder now if that is correct (of if the list in question can simply bear two uses of "draft"). :)


Peer comments on this answer (and responses from the answerer)
agree  Charles Davis: That's how "talón" is used in Spain, and a cheque book is called a talonario.
15 mins
  -> Thank you!

agree  Luis M. Sosa
2 hrs
  -> Thank you!
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