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A:
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老公，年终奖我们存在银行吧。
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lǎogōng, niánzhōngjiǎng wǒmen cún zài yínháng ba.
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Honey, let's deposit our year end bonuses in the bank.
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B:
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我们存余额宝吧。
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wǒmen cún Yúébǎo ba.
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Let's put it in an Alipay Surplus account.
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A:
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余额宝是什么？
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Yúébǎo shì shénme?
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What's an Alipay Surplus account?
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B:
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它是支付宝的产品。你不是常用支付宝在网上买东西吗？余额宝不但利息高，而且网上买东西也方便。。
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tā shì Zhīfùbǎo de chǎnpǐn. nǐ bùshì cháng yòng Zhīfùbǎo zài wǎngshàng mǎi dōngxi ma? Yúébǎo bùdàn lìxi gāo, érqiě wǎngshàng mǎi dōngxi yě fāngbiàn..
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It's a product from Alipay. Don't you often use Alipay to buy things online? Alipay Surplus accounts not only have a high interest rate, they also make buying things online easy.
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A:
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那我要用钱的时候怎么取出来呢？
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nà wǒ yào yòng qián deshíhou zěnme qǔ chūlái ne?
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Then when I want to use the money, how do I get it out?
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B:
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转账到你的银行卡，用银行卡取。
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zhuǎnzhàng dào nǐde yínhángkǎ, yòng yínhángkǎ qǔ.
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You transfer it to your bank card and use your bank card to take it out.
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A:
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有风险吗？
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yǒu fēngxiǎn ma?
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Is there a risk?
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B:
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风险肯定有。但是最近一直没有亏过，利息也不错。我们先存一点钱试试吧？
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fēngxiǎn kěndìng yǒu. dànshì zuìjìn yīzhí méiyǒu kuī guò, lìxi yě bùcuò. wǒmen xiān cún yīdiǎn qián shìshi ba?
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Of course there's a risk. However, recently there haven't been any losses, and the interest isn't bad. How about we put a bit of money in there and try it?
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A:
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行，那我以后买东西更方便了。
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xíng, nà wǒ yǐhòu mǎi dōngxi gèng fāngbiàn le.
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Okay. Then when I buy things later, it'll be easier.
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