‘入账’ literally means ‘enter the account’ — 入 (rù) means ‘to enter’ or ‘to go into’, and 账 (zhàng) means ‘account’ (short for 账户, zhànghù). Together, they form a verb meaning that money has officially been recorded as received in a bank, business, or personal account. It emphasizes the formal completion of a financial transaction: the funds are no longer pending but have been confirmed and posted.

This term is commonly used in banking, accounting, e-commerce, and salary contexts. It’s neutral in register — appropriate for both written reports and everyday conversation when discussing payments. Note that it describes the *result* of a transfer, not the action of sending money (which would be 汇款 or 转账). It’s often paired with time phrases like 已经、刚刚、明天 or with passive constructions like 已入账.