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Mother's maiden name refers to the mother's unmarried name -- usually the surname before she married. Mary Jones married John Smith, so Jones was her maiden name and she is now Mrs John Smith (alternatively Mary Smith). If you had to explain it to a child (presumably a rather young one), I would suggest: Mother's maiden name was her real name before she married daddy.
2 Answers. I don't think it is a concept you can easily translate, because -at least in Spain- women NEVER change their surname after getting married, so when I am asked what is your mother's maiden name as a security question in my bank, the question is pretty stupid: the same surname she has right now, which is also part of my surname!