雅思听力银行场景词汇

Ielts听力

职业 occupation/profession**

出生日期 date of birth**

全名 full name**

名 first name 、given name**

中间名字 middle name

姓 surname/family name/last name**

过去地址 previous address*

目前地址 present/current address*

在目前地址居住时间 time at current address

每个人还应该带着填有名字和地址的宣传单

You should each have a handout *with the names and addresses...

在开帐户时，银行会给你一本支票簿，你可以用它在需要时取钱。 When you open the account, the bank will give you a chequebook /checkbook**

and you can use this to draw /withdraw**money out as you need it.

Ielts听力

如果你要在商店里用支票，你会同时需要一张支票保付卡

If you need to write cheques** in shops, you'll also need a cheque card* .

拓展记忆：旅行支票 traveler's cheque*

这是一种认证卡(身份证),保证签出的支票能符合银行支票保付卡所对应能支付的额度

This is really an identity card** which guarantees that correctly written cheques up to the value stated on the card will be honoured by the bank.

如果你想提取现金你可以让支票以你的名义支付或者兑现。 If you want to draw out cash for yourself you can make the cheque payable in your own name or 'to cash'**.（兑现支票cash the cheque）

（拓展记忆：

payable at sight见票即付

payable on demand随到随付）

你可以用提款卡从取款机中提取现金

You can also withdraw cash from a cash point machine**

Ielts听力

with a cashcard*.

(提款机又叫做ATM＝Automatic Teller Machine)

你也许想取出超过你银行额度的钱，这叫做透支。

You may want to take more money out ot the bank than you have in it.This is called having an overdraft**.

要当心，除非有银行允许，否则不能这么做。

Be very careful with this--you should not do this without permission** from your bank.

透支经常导致额外费用，虽然有些银行提供给某些学生免利息透支

Overdrafts usually incur charges,though some banks offer interest-free** overdrafts to some students.

对于银行转账bank transfer** ，

如果相互连接的银行可以直接转账

If we have links with them, we can do a direct transfer.

对于开放时间opening times：

Ielts听力

伦敦和其他主要城市中大一点的分行在周六开放时间有限制。 Some of the bigger branches* in London and other major cities are now open for a limited time on Saturdays.

还可以申请其他银行业务bank service：

贷款loan**

保险insurance**

低风险投资 low-risk investment**

股票和基金 stocks and shares*

（拓展记忆：储蓄金 nest egg）

至今为止，最有用的帐户是活期账户

by far the most useful type of account to open is a current account**

你真正能拿到的帐户是学生帐户，其实它就是一个有特殊优惠的活期账户

you will actually get what is called a 'student account'** which is a current account with special concessions for students.

可能免手续费service charge*

Ielts听力

如果你出了经济问题financial affairs，有了负债be in debt，如果你的信用卡被拒绝your credit card is declined，账户被冻结account is frozen

学校可能提供你助学金grants**，或者帮助你得到低息贷款low-interest loan**

其他重要的帐户为储蓄存款帐户savings account*, 定期帐户deposit account*

联名账户 joint account*

（联名账户持有者joint account holder*）