English Reference

Word

financial

Phoneticsfi·nan·cial, stress on the second syllable

US/ˌfaɪˈnænʃəɫ/

UK/faɪnˈænʃəl/

Definitions

01related to money

B1 · Intermediate

adj. relating to money, banking, or the way money is managed.

adj. relating to finance, monetary assets, or the management of capital.

“The company is having some financial problems and might have to close.”

“The government introduced new financial regulations to prevent another banking crisis and protect individual investors.”

Usage

Usually placed before the noun it describes.

Antonyms

non-financial

02having paid fees

C1 · Advanced British English · Dialect

adj. having paid all the necessary fees to be a member of a club or group.

adj. having paid all required dues and subscriptions to an organisation, thereby remaining in good standing.

“Only financial members of the club are allowed to vote in the election.”

“To maintain your status as a financial member of the union, you must ensure your monthly contributions are processed by the first of the month.”

Usage

Often used in the context of trade unions or private clubs.

Synonyms

paid-upcurrent

Antonyms

unfinancialunpaid

Collocations

Common phrases and expressions where native English speakers use the word “financial” in context.

Adjective

01. financial management

“Good financial management is essential for the success of any small business.”

adj + noun

02. financial support

03. financial crisis

04. financial backing

05. financial pressure

06. financial records

07. financial services

08. financial year

09. financial hardship

Confusables

financial vs economic

Economic describes the systems of trade and industry; financial describes the actual money and funding.

RememberEconomic = The System. Financial = The Cash.

Real-World Examples

“Artificial intelligence (AI) could trigger financial market shocks and the UK needs to be prepared for them, the governor of the Bank of England has warned.”
BBC News 1 Oct 2026
“The UK financial regulator is taking legal action against the former investment star Neil Woodford for allegedly offering unauthorised investment advice online, months after announcing plans to ban him from the City.”
The Guardian 8 Jun 2026

Etymology

From finance + -ial.

Etymology adapted from Wiktionary, available under CC BY-SA 4.0.

Word family

ADJECTIVE

financial(B1)

Related words

This entry

Exam level
CambridgeCambridgeCambridge English QualificationsThe exam suite from Cambridge University Press & Assessment, from A1 Movers up to C2 Proficiency. The benchmark names double as CEFR labels.B1 PreliminaryIELTSIELTSInternational English Language Testing SystemThe 0–9 band test co-owned by the British Council, IDP, and Cambridge. Used for university entry, work, and migration.4.0–5.0TOEFL iBTTOEFL iBTTest of English as a Foreign Language, Internet-Based TestETS's academic English test, the standard route for US university admissions. Scored 0–120, with a 1–6 scale since 2026.1–6 scale: 3.0–3.544–71TOEICTOEICTest of English for International CommunicationETS's workplace English test, big in Japan and Korea. Listening & Reading scores 10–990 and tops out at C1.550–784
Frequency
Very common
Level
B1 · IntermediateOxford
Updated

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