How to pronounce bankruptcy in American English

IPA /ˈbæŋkrəptsi/ Syllables 3 · bang·kruhp·see Stress 1st syllable

BANG·kruhp·see

Start here

Americans pronounce bankruptcy as BANG-kruhp-see (/ˈbæŋkrəptsi/). The unstressed syllable reduces to a lazy schwa — almost a quick "uh" — instead of being pronounced fully. Stress falls on the first syllable — keep everything else short and quick.

Now you try.

Record yourself saying "bankruptcy" and play it back. The mic stays on your device — nothing's uploaded.

Ready when you are

Tap the mic to start

Preview your accent profile

Get your accent profile and 5-axes assessment.

Sounds

75%

Clarity

68%

Stress

78%

Intonation

65%

Fluency

62%

Overall assessment

Our AI coach listens to your recording and grades 5 dimensions of pronunciation — then tells you exactly what to fix next.

72% Noticeable accent

Common mistakes

Pronouncing the vowel before NG too pure.

In "bankruptcy", the "a" vowel before NG shifts toward "ay" — sounding like "ay" as in "say", a distinctly American pattern — most prominent in Midwestern American English; other GenAm speakers may use a less raised vowel. Vowel changes to sound like /eɪ/ ("ay" as in "say").

Stressing the wrong syllable.

Stress falls on the first syllable, not the others. Stretch BANG — keep everything else short and quick.

Unlock the full report in the app

Why it sounds different

Why "bankruptcy" sounds like BANG·kruhp·see.

Between "" and "", a brief "" glide bridges the two vowels for smooth flow. This is called the Vowel-to-Vowel Linking, a connected-speech trick that makes phrases flow. It comes out as BANG·kruhp·see.

In real conversation

Hear "bankruptcy" in the wild.

Click any sentence to see the full breakdown — every link, every reduction, every flap-T.

"He filed for bankruptcy after his business failed completely."

hee FAHYLD fer BANG·kruhp·see AF·ter hihz BIHZ·nuhs FAYLD kuhm·PLEET·lee

Watch out

Common pronunciation mistakes in American English.

The textbook way isn't wrong — it's just not how anyone actually says it.

Pronouncing the vowel before NG too pure.

BANG-kruhp-see→BANG·kruhp·see

Stressing the wrong syllable.

Stress falls on the first syllable, not the others. Stretch BANG — keep everything else short and quick.

bang·KRUHP·SEE→BANG·kruhp·see

Pronouncing the unstressed syllable too fully.

Don't pronounce the first syllable too fully. The unstressed syllable reduces to a schwa — the lazy "uh" sound — in casual speech.

BANG·KRUHP·see→BANG·kruhp·see

Questions

Questions people ask about this.

How is "bankruptcy" stressed in American English?

Stress falls on the first syllable — say "BANG" with a longer, fuller vowel and keep every other syllable short and quick. The respell "BANG-kruhp-see" marks the stressed syllable in capitals so the rhythm is easy to read at a glance.

Why does the second syllable in "bankruptcy" reduce to "uh"?

Unstressed syllables in American English collapse toward a schwa — a lazy, neutral "uh" sound. The full vowel is what textbooks teach, but in actual American speech every unstressed vowel reduces. The respell "BANG-kruhp-see" shows the reduced form so you can hear the casual rhythm directly.

Is the American pronunciation of "bankruptcy" different from British English?

American English uses different vowel shapes, a relaxed retroflex R, and connected-speech tricks like flap-T and glottal-stop T that British Received Pronunciation generally avoids. The respell "BANG-kruhp-see" reflects the casual American form; British dictionaries typically print a citation form with crisper consonants and different vowel choices.

Now you try.

Get your accent profile and 5-axes assessment.

Overall assessment

Common mistakes

Pronouncing the vowel before NG too pure.

Stressing the wrong syllable.

Why "bankruptcy" sounds like BANG·kruhp·see.

Hear "bankruptcy" in the wild.

Words that work the same way.

Common pronunciation mistakes in American English.

Pronouncing the vowel before NG too pure.

Stressing the wrong syllable.

Pronouncing the unstressed syllable too fully.

Questions people ask about this.

Stop reading about "bankruptcy". Start saying it.