How to Say "fees" in Spanish
The most common Spanish word for “fees” is “cargos” — use 'cargos' to refer to charges or fees applied by a service provider, such as a bank or a company, often for a specific action or omission.
cargos
cár-gosˈkaɾɣos

Examples
El banco aplicó varios cargos por mora en mi cuenta.
The bank applied several late payment charges to my account.
Puedes revisar todos los cargos del mes en tu extracto bancario.
You can review all the month's debits on your bank statement.
Direct Translation
In financial contexts, 'cargos' is the most direct and accurate way to translate 'charges' or 'debits' when talking about money being taken out of an account.
Confusing Fees
Mistake: “Using 'tarifas' instead of 'cargos' when talking about bank debits.”
Correction: While 'tarifas' means 'rates/fees,' 'cargos' specifically refers to the amount deducted from the account. Use 'cargos' for transactions.
derechos
deh-REH-chosdeˈɾe.tʃos

Examples
Tuvimos que pagar derechos de aduana por la importación.
We had to pay customs duties for the import.
Los derechos de matrícula son muy elevados en esa universidad.
The registration fees are very high at that university.
Financial Context Clues
When 'derechos' is followed by a word like 'aduana' (customs) or 'matrícula' (registration), it refers to the mandatory payment or charge, not a moral entitlement.
Distinguishing 'Cargos' from 'Derechos'
Related Translations
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