Individuals are regularly exposed to financial decisions and behaviors in daily life. Many of personal characteristics may lead people to behave in a particular manner with regard to financial decision-making. The current study investigated the relationships of personality, trait EI and affective state, to performance on two types of financial task. 163 effective questionnaires were collected via a web survey and participants completed questionnaires, respectively, for personality, trait EI, mood state, and two monetary tasks that asked them to make a series of choices between a smaller amount of hypothetical money that could be obtained immediately and a larger amount to be delivered after a range of delays, or between a smaller amount of hypothetical money that were certain and a larger amount to be delivered with a specified probability. Participants with higher levels of negative affect and openness were found to choose more often smaller but immediate rewards in the Chinese sample. In the British sample, participants with higher levels of positive affect were more likely to choose larger, delayed rewards. Extraversion was found to be positively and significantly correlated with more risky options (the rewards that could be obtained with a specified probability), whereas higher levels of neuroticism and trait EI were found to be correlated with less risky options (the guaranteed rewards). These findings supported the notion that personal traits are correlated with one’s financial decision-making. However, future research needs to be undertaken to replicate the findings in the present study.