Organizing account activity | Learn German in English

German lesson set in a contemporary Berlin everyday setting: At a banking support desk, two adults discuss organizing account activity so recurring services and unusual payments are easier to notice..

EN → DE / Level: B2

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Use Organizing account activity to practice German conversation, pronunciation, vocabulary, grammar, and quizzes.

Dialogue

A

Ich versuche, regelmäßige Kontobewegungen von gelegentlichen Zahlungen zu trennen.

ikh fer-ZOO-khuh, RAY-guhl-MEH-sih-guh KON-toh-buh-VAY-goong-en fon guh-LAY-guhnt-lih-khen TSAH-loong-en tsoo TREH-nen. I'm trying to separate routine account activity from occasional payments.
B

Das kann Ihnen helfen zu erkennen, welche Dienste sich automatisch verlängern.

dahs kahn EE-nen HEL-fen tsoo ehr-KEN-en, VEL-khuh DEEN-stuh zikh ow-toh-MAH-tish fer-LENG-ern. That can help you see which services renew automatically.
A

Die Schwierigkeit besteht darin, Veränderungen zu bemerken, bevor sie zwischen den anderen Buchungen untergehen.

dee SHVEE-rih-kite buh-SHTAYT dah-REEN, fehr-EN-deh-roong-en tsoo buh-MER-ken, buh-FOHR zee TSVISH-en den AHN-deh-ren BOO-khoong-en oon-ter-GAY-en. The hard part is noticing changes before they get buried.
B

Ähnliche Zahlungen zu gruppieren, könnte hilfreicher sein, als sich auf Erinnerungen zu verlassen.

EHN-lih-khuh TSAH-loong-en tsoo groo-PEER-en, KURN-tuh HILF-rye-kher zine, als zikh owf ehr-IN-neh-roong-en tsoo fer-LASS-en. Grouping similar payments may help more than relying on reminders.
A

Ich könnte eine eigene Karte für regelmäßige Dienste verwenden.

ikh KURN-tuh EYE-nuh EYE-guh-nuh KAR-tuh fyoor RAY-guhl-MEH-sih-guh DEEN-stuh fer-VEN-den. I could use one dedicated card for regular services.
B

Dann würden ungewöhnliche Kontobewegungen schneller auffallen.

dahn VYOOR-den oon-guh-VOHN-lih-khuh KON-toh-buh-VAY-goong-en SHNEL-er OWF-fal-en. Then unusual activity would stand out more quickly.
A

Das könnte außerdem mein Hauptkonto übersichtlicher halten.

dahs KURN-tuh OW-ser-DAYM mine HOWPT-kon-toh oo-ber-ZIKHT-lih-kher HAL-ten. It might also keep my main account less cluttered.
B

Übersichtlichere Aufzeichnungen können künftige Entscheidungen erleichtern.

oo-ber-ZIKHT-lih-kheh-ruh OWF-tsye-khnoong-en KURN-en KYOONF-tih-guh ent-SHYE-doong-en ehr-LYE-khtern. Cleaner records can make future decisions easier.

Sentence explanations

  1. Ich versuche, regelmäßige Kontobewegungen von gelegentlichen Zahlungen zu trennen.

    I'm trying to separate routine account activity from occasional payments.

    versuche
    try
    regelmäßige
    routine; regular
    Kontobewegungen
    account activity
    von
    from
    gelegentlichen
    occasional
    Zahlungen
    payments
    trennen
    separate
    More detail

    versuche means “I try / I am trying” here. It is the first-person singular present form of versuchen; the subject Ich supplies the person and number. A useful pattern is Ich versuche, ... zu + infinitive (“I try to ...”). Example: Ich versuche, Deutsch zu lernen. — “I’m trying to learn German.” regelmäßige describes Kontobewegungen as regular or routine. Its base form is the adjective regelmäßig. Here it has the ending -e because it modifies a plural noun without a preceding article; the plural form itself is shown by the noun, not by the adjective alone. Example: regelmäßige Ausgaben — “regular expenses.” Kontobewegungen means account transactions or account activity in this sentence. It is the plural of the feminine compound noun Kontobewegung (Konto + Bewegung). The compound refers to movements or entries on an account, not physical movement. Example: Ich prüfe meine Kontobewegungen. — “I check my account activity.” von introduces the source or category from which something is separated. In this pattern, etwas von etwas trennen means “separate one thing from another.” von takes the dative case, which is why gelegentlichen Zahlungen has its dative-plural form. gelegentlichen means occasional in this phrase. Its base form is gelegentlich. The ending -en marks the adjective’s dative plural form after von; it agrees with Zahlungen in number and case. Example: von gelegentlichen Kosten — “from occasional costs.” Zahlungen means payments. It is the plural of the feminine noun Zahlung. Here it is the second category in the contrast introduced by von: the payments are being distinguished from the routine account activity. Example: Die Zahlungen sind verbucht. — “The payments have been posted.” trennen means to separate or distinguish. It is the infinitive of trennen, used after zu in zu trennen. In etwas von etwas trennen, the first object is separated from the second: the sentence’s object is regelmäßige Kontobewegungen, and gelegentlichen Zahlungen is introduced by von. Together, Ich versuche, regelmäßige Kontobewegungen von gelegentlichen Zahlungen zu trennen has the structure “I try, [to separate routine account activity from occasional payments].” The comma separates the main clause from the zu-infinitive clause. The complete meaning is: “I’m trying to separate routine account activity from occasional payments.”

  2. Das kann Ihnen helfen zu erkennen, welche Dienste sich automatisch verlängern.

    That can help you see which services renew automatically.

    Das
    That
    kann
    can
    Ihnen
    you (formal or plural)
    helfen
    help
    zu erkennen
    to recognize
    welche
    which
    Dienste
    services
    sich automatisch verlängern
    renew automatically
    More detail

    Das means “that” here as a demonstrative pronoun functioning as the sentence subject. Its neuter singular form is das; the form itself does not identify a particular noun referent. In this context, the fixed translation supports a reference to the preceding situation or information rather than to a newly named object. kann is the present-tense form of können for er/sie/es and means “can” here. The modal verb expresses possibility or ability. With a following infinitive, the modal is conjugated and the other verb remains in the infinitive: Das kann helfen = “That can help.” Ihnen is the dative form of the formal second-person pronoun, used for either one person or more than one person. The verb helfen takes a dative person: Das hilft Ihnen = “That helps you.” In the fixed sentence, Ihnen is the person who benefits from the help. helfen is the infinitive “to help.” Its useful present-tense forms include ich helfe, du hilfst, and er/sie/es hilft; the vowel change in hilfst and hilft belongs to this verb. Example: Diese Liste hilft mir. — “This list helps me.” zu erkennen is an infinitive with zu, meaning “to recognize” or, here, “to identify/see.” The verb is erkennen; zu erkennen is used after helfen to name the action that the help makes possible. Example: Sie hilft mir, den Unterschied zu erkennen. — “It helps me recognize the difference.” welche introduces the indirect question “which …” and modifies the plural noun Dienste. German uses welcher/welche/welches with forms that reflect the noun’s grammatical gender, number, and case; welche is the form used here with the plural subject Dienste. The indirect-question pattern is erkennen, welche ... = “recognize which ...”. Dienste is the plural of Dienst, meaning “services” here. The singular/plural contrast is der Dienst — die Dienste. In this clause, Dienste is the subject of verlängern: the services are the things renewing. Example: Welche Dienste sind aktiv? — “Which services are active?” sich automatisch verlängern means “renew automatically.” The verb is sich verlängern, literally “to lengthen/extend itself,” and in this context it describes a service continuing for another period without a person manually renewing it. verlängern is the base form; with the plural subject Dienste, the form is verlängern, as in Die Dienste verlängern sich. The reflexive sich belongs to the verb construction, while automatisch says that the renewal happens automatically. Example: Einige Abonnements verlängern sich automatisch. — “Some subscriptions renew automatically.” Together, Das kann Ihnen helfen says “That can help you,” and zu erkennen gives the action this help supports: “to identify/see.” The indirect question welche Dienste sich automatisch verlängern asks which services are the subjects that renew automatically. The complete utterance therefore means: “That can help you see which services renew automatically.”

  3. Die Schwierigkeit besteht darin, Veränderungen zu bemerken, bevor sie zwischen den anderen Buchungen untergehen.

    The hard part is noticing changes before they get buried.

    Schwierigkeit
    difficulty
    besteht darin
    consists in
    Veränderungen
    changes
    zu bemerken
    to notice
    bevor
    before
    zwischen
    between
    anderen
    other
    Buchungen
    bookings
    untergehen
    get lost
    More detail

    Schwierigkeit means “difficulty” here. It is the feminine noun die Schwierigkeit; the form shown is singular nominative because it is the subject. Its plural is Schwierigkeiten. Example: Die Schwierigkeit ist groß. — “The difficulty is great.” besteht darin is the reusable pattern in etwas bestehen / darin bestehen, dass ... meaning that the essential point lies in something. In this sentence, besteht is the third-person singular present form of bestehen, agreeing with singular Die Schwierigkeit. darin points forward to the following activity, not to a separately named object. Example: Die Lösung besteht darin, ruhig zu bleiben. — “The solution consists in staying calm.” Veränderungen means “changes” here. It is the plural of die Veränderung and is accusative because it is the object of bemerken. The singular is eine Veränderung; the plural ending is visible in Veränderungen. Example: Wir bemerken kleine Veränderungen. — “We notice small changes.” zu bemerken means “to notice.” It is the infinitive of bemerken with zu, used as the activity after besteht darin. The same verb without zu is bemerken; the zu belongs to this infinitive construction. Example: Es ist wichtig, Fehler zu bemerken. — “It is important to notice mistakes.” bevor introduces a time clause meaning “before.” The clause after it specifies the event that is later than the reference point established by the main clause. Example: Lies die Nachricht, bevor du antwortest. — “Read the message before you reply.” zwischen means “between” here and marks the position among other items. In this use it takes the dative: zwischen den anderen Buchungen. With movement toward a position, zwischen can instead take the accusative, so the case depends on the relation being expressed. anderen means “other” here. It is the adjective modifying Buchungen; in den anderen Buchungen, it has the dative plural form after the definite article den. Its inflectional stem is ander-, as in eine andere Buchung (“another booking”) and andere Buchungen (“other bookings”). Buchungen means “bookings” here. It is the plural of die Buchung. The dative plural is marked by the article phrase den anderen Buchungen; the noun itself has the plural form Buchungen. Example: Ich prüfe die Buchungen. — “I check the bookings.” untergehen means “get lost” or “go under” here, figuratively describing something becoming buried or overlooked among other entries. Although the infinitive is written as one word, untergehen is a separable verb: in the finite present, the prefix separates, as in Die Buchung geht unter. — “The booking gets lost.” In the source sentence, untergehen is not an infinitive; it is the finite present form for plural sie in the subordinate clause, and it happens to have the same spelling as the infinitive. Together, Die Schwierigkeit besteht darin says that the difficult part lies in a particular activity. That activity is Veränderungen zu bemerken, “noticing changes.” The time clause bevor sie zwischen den anderen Buchungen untergehen says this must happen before the changes become lost among the other bookings. Sie is plural here and refers back to Veränderungen; the complete meaning is: “The hard part is noticing changes before they get buried.”

  4. Ähnliche Zahlungen zu gruppieren, könnte hilfreicher sein, als sich auf Erinnerungen zu verlassen.

    Grouping similar payments may help more than relying on reminders.

    Ähnliche
    similar
    Zahlungen
    payments
    zu gruppieren
    to group
    könnte
    could; may
    hilfreicher
    more helpful
    Erinnerungen
    reminders
    sich auf … zu verlassen
    to rely on
    More detail

    Ähnliche describes Zahlungen here as “similar payments.” It is the adjective ähnlich in a plural, accusative form; the ending -e fits the noun phrase without an article. Example: ähnliche Aufgaben means “similar tasks.” Zahlungen means “payments.” It is the plural of Zahlung; the singular is eine Zahlung. In this sentence, the payments are the things being grouped. zu gruppieren means “to group.” gruppieren is the base-form infinitive, and zu marks this infinitive in the larger construction. German can use an infinitive phrase as the thing being evaluated: Zu warten ist schwierig means “Waiting is difficult.” könnte is the third-person singular form of können in the subjunctive II (Konjunktiv II). Here it presents the proposed action as possible rather than certain: “could” or “may.” The infinitive subject Ähnliche Zahlungen zu gruppieren explains what could have the stated effect. hilfreicher is the comparative of the adjective hilfreich (“helpful”): hilfreich → hilfreicher → am hilfreichsten (“helpful” → “more helpful” → “most helpful”). The comparison is completed by als, meaning “than.” Erinnerungen means “reminders.” It is the plural of Erinnerung; a singular example is eine Erinnerung (“a reminder”). sich auf ... zu verlassen is the reusable reflexive construction “to rely on ...” or “to depend on ...”. The verb is sich auf etwas verlassen; sich is the reflexive part, and auf introduces what one relies on, here Erinnerungen. Example: Sie verlässt sich auf den Plan. — “She relies on the plan.” Together, Ähnliche Zahlungen zu gruppieren is the proposed action, könnte expresses its possibility, and hilfreicher sein means “be more helpful.” als sich auf Erinnerungen zu verlassen supplies the comparison: “than relying on reminders.” The complete meaning is: “Grouping similar payments may help more than relying on reminders.”

  5. Ich könnte eine eigene Karte für regelmäßige Dienste verwenden.

    I could use one dedicated card for regular services.

    Ich könnte
    I could
    eigene
    own; personal
    Karte
    card
    regelmäßige
    regular; recurring
    Dienste
    services
    verwenden
    use
    More detail

    Ich könnte expresses “I could” here: the speaker presents using the card as a possible or proposed action, not as a completed past action. könnte is the Konjunktiv II form of können; the useful chain is können “can/be able to” → könnte “could.” With a different subject, the form changes: Wir könnten ... means “We could ...”. eigene means “own” or, in this context, “dedicated/personal.” Its base form is the adjective eigen. In eine eigene Karte, eigene describes Karte and has the feminine singular accusative ending -e after eine. The adjective agrees with the noun phrase; the word Karte itself carries the noun’s feminine form. Karte means “card” here. Its plural is Karten: eine Karte means “a card,” while zwei Karten means “two cards.” regelmäßige means “regular” in the sense of recurring at predictable intervals. Its base form is regelmäßig; the ending in regelmäßige Dienste marks agreement with the plural noun phrase. For example, regelmäßige Zahlungen means “regular payments.” Dienste means “services” here. The singular is Dienst, and the plural is Dienste. The preposition für takes the accusative, so für regelmäßige Dienste is the phrase “for regular services.” verwenden means “to use.” It is the infinitive of the verb and appears at the end because it follows the modal verb könnte: Ich könnte ... verwenden means “I could use ...”. For example, Sie könnte diese Methode verwenden. means “She could use this method.” Together, eine eigene Karte identifies a personal or dedicated card, für regelmäßige Dienste specifies what it is intended for, and Ich könnte ... verwenden presents the use as a possibility. The complete utterance therefore means: “I could use one dedicated card for regular services.”

  6. Dann würden ungewöhnliche Kontobewegungen schneller auffallen.

    Then unusual activity would stand out more quickly.

    Dann
    then
    würden
    would
    ungewöhnliche
    unusual
    Kontobewegungen
    account activity
    schneller
    more quickly
    auffallen
    stand out
    More detail

    Dann means “then” here: it marks the result or next step in the imagined situation. It can also refer to a later time in other contexts, but here it connects this statement to the preceding condition or idea. würden is the third-person plural Konjunktiv II form of werden, used with the infinitive auffallen to express a hypothetical result: “would stand out.” The form agrees with plural Kontobewegungen; the conditional meaning comes from the construction würden + infinitive, not from würden alone. Example: Die Änderungen würden helfen. — “The changes would help.” ungewöhnliche comes from the adjective ungewöhnlich, “unusual.” Here it describes plural Kontobewegungen, so it has the plural attributive ending -e: ungewöhnliche Kontobewegungen. The adjective itself is not derived from the noun; its base form is ungewöhnlich. Example: ungewöhnliche Geräusche — “unusual noises.” Kontobewegungen is the plural of Kontobewegung, referring here to activity or transactions recorded on an account. German compounds such as Konto + Bewegung form one noun, and the plural ending appears on the final part: Kontobewegung → Kontobewegungen. Example: Ich prüfe meine Kontobewegungen. — “I check my account activity.” schneller is the comparative form of the adverb schnell, “quickly” or “fast.” The chain is schnell → schneller → am schnellsten; here schneller means “more quickly,” comparing the imagined speed with some relevant baseline. Because it modifies the verb, it is functioning adverbially rather than describing the noun Kontobewegungen. Example: Sie reagiert schneller. — “She reacts more quickly.” auffallen means “to stand out” or “to be noticeable” here. It is a separable verb: in a finite clause, auffallen separates, as in Die Bewegung fällt auf. — “The activity stands out.” With würden, the infinitive remains together at the end: würden ... auffallen. Together, Dann würden ungewöhnliche Kontobewegungen schneller auffallen. means “Then unusual activity would stand out more quickly.” Dann introduces the result, würden ... auffallen presents that result hypothetically, ungewöhnliche Kontobewegungen is the plural subject, and schneller describes the speed at which the activity becomes noticeable. The sentence is neutral and suitable for explaining a possible benefit or consequence.

  7. Das könnte außerdem mein Hauptkonto übersichtlicher halten.

    It might also keep my main account less cluttered.

    Das könnte
    that might
    außerdem
    also; in addition
    Hauptkonto
    main account
    übersichtlicher
    less cluttered; clearer
    halten
    keep
    More detail

    Das könnte combines das with könnte. Here das refers to the situation or proposal expressed in the surrounding context, matching “it” in the fixed translation; its specific antecedent is not a noun identified within this sentence. könnte is the third-person singular form of können in the Konjunktiv II. In this sentence it expresses possibility: “might be able to” or, naturally, “might.” Compare kann “can / is able to” with könnte “could / might.” außerdem means “also” or “in addition.” It adds this possible benefit to another point; it does not change which action is being described. Hauptkonto is a compound noun: Haupt- means “main” and Konto means “account.” The whole noun means “main account.” It is neuter (das Hauptkonto), and in this sentence it is the object affected by halten; the neuter nominative and accusative forms look identical. Example: Ich prüfe mein Hauptkonto. — “I check my main account.” übersichtlicher is the comparative form of the adjective übersichtlich, meaning “clear” or “well organized.” Its comparative meaning is “clearer” or, in this context, “less cluttered.” The comparison is with the account’s condition before or with another possible condition; the sentence does not specify the exact comparison point. The ending here belongs to the adjective, not to Hauptkonto. Example: Die Liste ist übersichtlicher. — “The list is clearer.” halten means “to keep” here. The pattern etwas übersichtlich halten means “to keep something clear or organized,” with the adjective describing the maintained result. Because könnte is the finite modal form, the lexical verb halten remains in the infinitive at the end of the clause. Example: Wir halten die Unterlagen übersichtlich. — “We keep the documents organized.” Together, Das könnte presents a possibility, außerdem adds it to an earlier consideration, and mein Hauptkonto übersichtlicher halten describes maintaining the speaker’s main account in a clearer, less cluttered state. The complete meaning is: “It might also keep my main account less cluttered.”

  8. Übersichtlichere Aufzeichnungen können künftige Entscheidungen erleichtern.

    Cleaner records can make future decisions easier.

    Übersichtlichere
    clearer
    Aufzeichnungen
    records
    können
    can
    künftige
    future
    Entscheidungen
    decisions
    erleichtern
    make easier
    More detail

    Übersichtlichere means “clearer” or “more well-organized” here. It is the comparative form of übersichtlich: übersichtlich → übersichtlicher → am übersichtlichsten. Before plural Aufzeichnungen without an article, the adjective takes the attributive ending -e, giving übersichtlichere. Aufzeichnungen means “records” here. It is the plural of Aufzeichnung (“record” or “written record”) and functions as the subject. Its plural number matches können, the present-tense form used with a plural subject. Example: Die Aufzeichnungen helfen. — “The records help.” können means “can.” In this sentence it is the present-tense form for a plural subject; the same form is also the infinitive of the modal verb. As a modal verb, it is followed by the infinitive erleichtern at the end of the clause. Here it presents the result as possible, not certain. Example: Die Aufzeichnungen können helfen. — “The records can help.” künftige means “future” here. It is the attributive form of künftig and describes plural Entscheidungen; without an article, this adjective also has the ending -e in this phrase. Zukünftige is another common adjective meaning “future,” but it is not the form used here. Entscheidungen means “decisions.” It is the plural of Entscheidung (“decision”) and is the accusative object of erleichtern in this sentence. erleichtern means “to make easier” or “to facilitate.” It is an infinitive because it follows the modal verb können. The reusable pattern is etwas erleichtern, meaning “make something easier” or “facilitate something.” Example: Ein guter Plan erleichtert die Arbeit. — “A good plan makes the work easier.” Together, Übersichtlichere Aufzeichnungen is the plural subject “clearer records.” The modal construction können ... erleichtern means “can make ... easier,” with künftige Entscheidungen as what is made easier. The complete utterance means: “Cleaner records can make future decisions easier.”

Grammar Points

sich verlängern + automatisch

Der Dienst verlängert sich automatisch.

dare DEENST fer-LENG-ert zikh ow-toh-MAH-tish.

The service renews automatically.

The reflexive verb uses sich when the service renews itself; automatisch describes how the action happens.

sich auf etwas verlassen

Ich verlasse mich auf die Aufzeichnung.

ikh fer-LASS-uh mikh owf dee OWF-tsye-khnoong.

I rely on the record.

This fixed phrase uses auf + accusative: sich auf etwas verlassen. The reflexive pronoun changes with the subject.

German Vocabulary

automatisch adv
ow-toh-MAH-tish automatically
bestehen verb
buh-SHTAY-en to consist besteht
Dienst noun
DEENST service Dienste
gelegentlich adj
guh-LAY-guhnt-lihkh occasional gelegentlichen
helfen verb
HEL-fen to help
Kontobewegung noun
KON-toh-buh-VAY-goong account activity Kontobewegungen
regelmäßig adj
RAY-guhl-MEH-sikh regular regelmäßige
Schwierigkeit noun
SHVEE-rih-kite difficulty
sich verlängern verb
zikh fer-LENG-ern to renew automatically
Veränderung noun
fehr-EN-deh-roong change Veränderungen
versuchen verb
fer-ZOO-khen to try versuche
Zahlung noun
TSAH-loong payment Zahlungen

Quiz

Word Order

Arrange the words in the correct order.

Then unusual activity would stand out more quickly.

Show AnswerDann würden ungewöhnliche Kontobewegungen schneller auffallen.

Cleaner records can make future decisions easier.

Show AnswerÜbersichtlichere Aufzeichnungen können künftige Entscheidungen erleichtern.

Spelling

Tap the letters to spell the word.

regular

Show Answerregelmäßige

automatically

Show Answerautomatisch

service

Show AnswerDienste

to try

Show Answerversuche