As we all know, bank plays an important role in our daily life. We all need to go to the bank to transact business or use on-line bank service. It is quite necessary for us to learn some useful expressions related with bank.

In this unit, we will learn some useful words and expressions from the following aspects:

1. Greeting Customers and Orientation招呼客户和指引

2. Opening an account 开户

3.  Depositing money 存款

4.   Withdrawing money  取钱

5. Transfering money  汇钱

 6 . Cards and ATM  卡和ATM机

7.  Getting a loan  贷款

8.  Foreign exchange 外币兑换

9.Problems  特殊情况

 

Now we will learn them one by one. First one,

1. Greeting Customers and Orientation招呼客户和指引

At first , let’s look at the new words

counter 柜台transaction 业务magcard 磁卡

 

now let’s learn some common expressions

Welcome to Bank of **! 欢迎光临**银行

How can I help you? 有什么能帮您的吗？

Which transaction would you like to do today? 请问您想办理什么业务？

Please take this number, when your number will be called please go to the counter 请拿号，叫到号时请到相应柜台办理业务。

This is your turn, please go to 1/2/3/4 counter.  到您了，请到1/2/3/4柜台办理。                          

Please follow-me   请跟我来 

Please wait for a moment  请稍候

                                                                                                                                

Now let’s look at a dialogue.  

DIALOGUE  1

Clerk: Hello, what can I do for you?（Yes?）职员：您好，请问您要办理什么业务？

Customer: Please tell me my balance.顾客：请帮我查询一下帐户余额。

Clerk: Yes, sir, wait a moment please.职员：好的，先生（小姐），请稍等。

Clerk: Your balance at the bank is 5,000 RMB.职员：您在本行的帐户余额是人民币5000元。 Customer: My magcard does not work, please take a look.顾客：我的银行磁卡出现故障了，能帮我看一下吗？

 Clerk: No problem, the magcard is locked, show me your passport, I will help you out.职员：问题不大，您的银行磁卡被锁住了，请出示护照，输入密码就可以给您解开。

 Customer: ok. Here is my passport. 顾客：好的。这是我的护照。

Clerk: The magcard need more magnetism, it is ok now.职员：您的银行磁卡需要加磁，现在加好了。

 Customer: I want to close my account with you.顾客：我想结束在你们这儿的帐户。

 Clerk: Please go to the number 6 counter.职员：请到6号柜台办理.

 Clerk: You can go to the open counter or take a seat over there for a moment; our client manager will help you..职员：您可以到大厅开放式柜台办理或者先在大厅休息一下，马上会有客户经理来帮助您。

Customer: Thanks. 顾客：谢谢。

second, we will talk about

2. Opening an account 开户

First , let’s look at the new words

account number 帐号  current account /checking account 活期存款账户  fixed-term account定期存款账户  deposit account 存款账户 interest 利息 E-Banking网银

 

Now let’s learn some useful expressions

I would like to open an account 我要开户
What kind of account do you want to open? A current account or fixed-term account?

你要开什么样的账户？活期还是定期？

How much interest will I get with this account? 我可以得到多少利息？
Which account gives the highest interest rate? 哪样的账户得到最高的利息
What fees will I be charged? 怎么收费？
There is a maintenance fee of $100 per annum 账户年费100元
Please give us proof of address 请提供住址证明
Please could you fill this form to open the account您要开户请填写这张表格。

Would you like to apply for E-Banking as well? 您想申请开通网银吗？

Do you want a card? 您需要办卡吗？

 

The third aspect to discuss is

3.  Depositing money 存款
 First , let’s look at the new words

Chequebook 支票书a deposit form 存款单 deposit receipt 存款收据　deposit book, passbook 存折 cheque,check 支票

Now let’s learn some useful expressions

Hi, I would like to deposit some money
 我要存款
  Please fill in this form 
 请填写存款表
   Please print the amount
 请用大写字母写
     You need to put all coins in bags
 你需要把所有硬币放入袋子里
     Sorry, we only accept American dollars
 我们只接受美元
      I'ld like to cash a check, please
 我要存款一张支票
On which account do you want to deposit this money? 请问您要存到哪个账号？

You can use our ATM’s if you want to deposit money on your Bank of ** account. 如果您要在**银行账号中存款，您可以使用我们的ATM机。

Please could you fill this form and sign it. 请填写这张表格并签名。

Please could you sign here请在这里签名。

 

 Maybe you are still confused and don’t know what to say exactly when you are depositing money. Now let’s look at a dialogue

Conversation2  存款 DEPOSIT

Clerk: How much cash do you plan to deposit in your account?职员：您有多少钱要存入呢？ Customer: I want to deposit 300 yuan in my account. Please tell me the procedure for opening a savings account.顾客：我想在我的户头上存300元。请告诉我开个储蓄帐户需要什么手续。

Clerk: Please fill in the depositing form, the sum of money，your name, the number of the certificate and your telephone.职员：请填张存款单，写明数额、姓名，证件号码和联系方式。

Clerk: Words and figures differ.职员：您填写的文字与数字不符。

Customer: ok. I’ve corrected. 顾客：好了，我已经改过来了。

Clerk: keep your receipt please. Here is your passbook and your card. Please bring it back when you deposit or withdraw money any time you like and inform us whenever you lose it..职员：请收好单据. 这是您的存折和卡，以后存取款时请带来，若遗失请告诉我们。

Customer: Thank you very much..顾客：非常感谢。

Clerk: Not at all.职员：不客气。

 and the fourth one is
4.   Withdrawing money  取钱

let’s look at the new words

input输入password 密码 slip纸条

Now let’s learn some useful expressions

 How much do you want? 请问您要存/取多少金额？

Unfortunately with this card you can not withdrawal money, please use our ATMs

很抱歉这张卡不能取款，请使用我们的ATM机。

 I'ld like to withdraw $6000  我要提6000元
 Could you please input your password? 请输入密码。

Please input it (password) one more time. 请再次输入密码。

I'm sorry, but the maximum you can withdraw on one day is $2000  非常抱歉，一天内的最高提款额是2000。
  Please fill out this slip 请填写好这张纸条
  Do you have ID? 你有身份证吗？
  

 Now let’s look at a dialogue

 conversation3 取款WITHDRAW

 Clerk: yes?职员：您好.

Customer: excuse me, Can you help me?顾客：对不起，能帮我个忙吗？

 Clerk: it is my pleasure. Please tell me what I can do for you.职员：很高兴为您效劳，请告诉我能为您做什么。

 Customer: I want to withdraw 8000RMB from my deposit account.顾客：我要从我的帐户支取8000元人民币。

Clerk: Sorry, no sufficient balance, the balance is 6000 RMB.职员：对不起，您户头中没有足够的余额，只有6000元。

Customer: I want to withdraw5000 RMB.顾客：取5000 RMB好了。

Clerk: Please show me your passport。职员：请出示护照。

Clerk: password please.职员：请输入密码。

Clerk: please sign your name.职员：请签名。

 Clerk: please check carefully.职员：请清点一下现金.

Customer: Thank you very much.顾客：非常感谢。

Clerk: Not at all.职员：不用谢。

 

The fifth one to talk about is

5. Transfering money  汇钱

wire transfer电汇 draft 见票即付的票据remit手续费

Here are some useful expressions

I would like to transfer money back to China. 我要汇一笔钱到中国
 Would you like a wire transfer? 你要汇钱吗
  I want to send it by banker's draft. 我要用银行本票发的
 There will be a fee of 10 pounds. 你得付10英镑费用
  Which account shall we send it to? 转进什么账号？
 What is their account number? 他的账号号码是什么？
  My parents said they wired me some money, has it reached my account?
 我父母汇了一笔钱到我的账号，是不是已经转进去了吗？

  

 Now let’s look at a conversation

Conversation4．

Customer: Excuse me, I forget the password of my card.顾客：对不起，我忘记卡的密码了

Clerk: Report loss of the magcard please.职员：请办理挂失手续费。

Clerk: Do you remember the number of the magcard?职员：您的卡号是多少？  

Clerk: Please pay 15 yuan, includes 5 yuan cost and 10 yuan handling charge.职员：请支付15元，包含换卡工本费5元，挂失手续费10元。

 Customer: Do you charge for remit?顾客：汇款你们收手续费吗？

 Clerk: Yes, we do, 1% of the sum, from 1 yuan to 50 yuan.职员：是的，我们收手续费，我们按照1%金额收取，最低1元，最高50元）。

 

 

    The sixth point is about
  6 . Cards and ATM  卡和ATM机
let’s look at the new words

credit card 信用卡debit card借记卡APR 年利率 Pin number (卡) 密码 balance 余额 Issuing bank
 发卡银行   Balance transfer  余额结转  Credit limit  信用额度 overdrawn 透支

Here are some useful expressions

 I want a credit card
 我要一张信用卡
If you want to obtain a card here, please fill this application

如果您想申请办卡，请您填写这张表格。

Please mention your name, address, phone number.

请告诉我您的姓名、地址和电话号码。

You should deposit a minimum of RMB 10.00 to obtain the card. 您要开卡最少要存10元人民币。

 If you pay us back within the month, we don't charge interest
 一个月之内还款，不用付利息
If you do not settle your bill at the end of the month, then we'll charge interest
 要是一个月之内未还款，你得付利息
  The annual cost of our debit card is free.

借记卡是不需要支付年费的。

 Do not tell your pin number to anyone, even bank staff
 包括银行员，你千万别给其他人你的密码，
    With a credit card, you can shop first and pay later
 用信用卡的话，你可以先购物后付款
If you do not want to wait you can do this transaction in our ATM’s.

如果您不想排队，您可以在我们的ATM机上操作。

 You can change your PIN at an ATM
 你可以在自动柜员机更改你的密码
 
   To know the fee when using our ATM’s, you should contact the issuer of your card

如果要了解用ATM的费用，您应该与您的发卡行联系。

  You are overdrawn
 你透支了
 
    There is a 40 dollar fee if you become overdrawn
 如果你透支，会被扣掉40美元。
 
    This account has an interest-free overdraft of £2000
 这个账号可以透支2000英镑且没有利息费用
 
   How much can I go overdrawn without a fee
 我能免费透支多少钱？
 
       If you want to raise your overdraft limit, speak to the bank manager
 如果你想要提高你的透支额度，您得银行管理人提出申请。
 

The seventh,
    7.  Getting a loan  贷款
 let’s look at the new words

interest rate利息率 collateral担保品  Mortgage 房贷 Credit check  核对信用度 Credit rating  信用平等

penalty罚金

 

Here are some useful expressions

 I would like to borrow $5000 dollars 我想要借款5000元。
  What's the interest rate?  利息率是多少
  What collateral do you have? 你有什么担保品？
 If you don't have any collateral, we can't give you a loan  

如果没有担保品，我们不会给您借款
 If you don't have any collateral, we will have to charge extra interest  

没有担保品，我们得升高您的利息
     Sorry, we've just run a credit check, and unfortunately, we cannot offer you a loan
 对不起，我们已经查过您的信用度，很抱歉我们不能给您提供贷款。
  Minimum monthly payment is…
 最低的每月偿还债务是……
 Will there be any penalty for early repayment?
 提前还款有罚金吗？
  There is early repayment fee. 提前还款有罚金
 
The eighth is to talk about

8.  Foreign exchange 外币兑换

let’s look at the new words

currency外币 exchange兑换 sign 标牌（汇率表）   Bureau De Change 外币兑换柜台
 
  Foreign Exchange counter
 外币兑换柜台
Here are names of some currencies
    Chinese Yuan
 人民币
  
    Hong Kong dollar
 港币
 
    Australian dollar
 澳元
 
    British pound
 英镑
 
    Euro
 欧元
 
    American dollar
 美元
 
    Canadian dollar
 加元
 
    Swiss Franc
 瑞士法郎
 
    Japanese Yen
 日元
 
   
Here are some useful expressions

How would you like it? 你想兑换多大面额的？
I would like it in twenties 请给我20元面值的

What currency would you like to change? 请问您换哪种外币？
 
I would like to exchange RMB for US dollars 我想用人民币换美元
 
I would like to exchange Chinese Yuan for British pounds 我想用人民币换英镑
 
   What is the current exchange rate? 最近的汇率是多少？
 See the sign 请看标牌（汇率表）
 
 We are currently buying at 6 yuan to the dollar 我们买的比价是6：1
 We sell at 6.5 yuan to the dollar 我们卖的比价是6.5：1
 
Due to restriction, we can only exchange a maximum of 5000.00 dollars per day.

根据规定，您每天兑换的最大金额为5000美元。

I am sorry, unfortunately we can not handle the exchange of this currency, please could you go to one Branch of Bank of China.

非常抱歉，我们这里不兑换这种货币，您可以去中国银行的分支机构办理。

   Now let’s look at a conversation

Conversation5．

Customer: Can you change me some money, please?顾客：能否请你给我兑换一些钱？

Clerk: What kind of currency do you want to change?职员：要换哪种货币？

Customer: Please change some RMB from my U.S. dollars’ account.顾客：请帮我把帐户里的美圆兑换一些人民币。

Clerk: Please tell me how much you want to change.职员：请告诉我你要换多少。

Customer: Please change 3000 RMB.顾客：我想兑换出3000人民币。

 Clerk: Take Cash or deposit in your card (passbook)?职员：请问您兑换后要取走人民币现金还是存入卡（折）里？

 Customer: I'd like to take cash (deposit in the card).顾客：我想取现金。（我存到卡<折子>里） Customer: What's the exchange rate today?顾客：今天的兑换率是多少？

 Clerk: If you'll wait a moment, the rates of exchange is about 1:7.职员：请等一会儿，美圆和人民币的兑换率是1：7左右。

 Customer: I'd like to break this 100 RMB. Could you give me some small notes?顾客：请把这张100人民币换开，给我一些小票好吗？

 Clerk: How would you like it?职员：你要什么面额的？

 Customer: Three 20s, some 10s and 5s , please.顾客：请给我3张20元和几张10元和5元的。 Customer: Thanks a lot.顾客：非常感谢。

Clerk: My pleasure.职员：不用谢。

 

Here is another dialogue

Conversation6

 T: Hello! May I help you? 您好，您有事需要帮忙吗？

C: Yes, I hope so. I need some more cash for my visit in China. May I cash a traveler's check here? 噢，是这样的。我需要些现金，在中国观光时使用。我能在这儿兑现旅行支票吗？

T: Of course. We'd be happy cash it for you. 当然， 我很乐意为您兑现。

C: I was going to cash it at the hotel, but one of my friends said that banks always give better exchange rates. 我原本打算在家旅馆兑现， 但我朋友说银行的兑现率通常有点高。

T: Here is your cash. 这是您的现金。

C: Thanks . 谢谢

  At last, we will deal with some problems you may encounter.

  9.Problems  特殊情况
    I want to report a stolen credit card
 我要报信用卡失窃
 
    Okay, we'll cancel it right away
 我们马上消除您的信用卡
 
    We will send you a new one in the post
 我们将会寄给你新的卡
 
    When the card arrives, ring 0855 555 to activate it
 如果您收到新卡，请拨打电话0855 555开卡
 
    The cash machine didn't give me my money
 机器没出钱
 
    Sorry, there was an error, we've already refunded the money
 对不起，机器出了点故障，我们已经退还您的钱
 
    The transaction was declined 交易受拒