托福词汇：开设账户相关词汇

　　1.关于开户

　　最好是在有名的银行中开帐户。

　　it's best to open an account

　　银行会问你开账户的金额为多少

　　And how much would you like to open your account with?

　　每个银行的开账户时的最小额度minimum sum不同

　　要咨询一下汇率exchange rate和利率interest rate

　　英国的几个比较有名的银行有Barclays 和 Lloyds。

　　然而，得清楚很重要一点是留学生不能享受到提供给当地学生的设施。

　　However, it's important to note that as an international student you'll not necessarily be eligible for all the facilities offered to resident students.

　　银行有不同的政策，他们提供给你的服务是取决于你的个人情况，同样也取决于银行经理的自行处理。

　　Banks have different policies and the services that they'll offer you will depend on your individual circumstances*and on the discretion of the bank manager involved.

　　注意：documentation指的是文件总称。

　　2.提供材料

　　作为一个留学生，你需要提供证据证明自己能够支付费用，直到课程结束。

　　as an international student,you will need to provide evidence that you can fund/support yourself for however long your course lasts.

　　(拓展记忆：存款为funding)

　　除此之外，大多银行要求你带上你的护照和你的录取通知书

　　In addition to this, most banks ask you to bring your passport and your letter or certificate of enrolment .

　　或者带着学校注册信 letter of registration

　　其它证件：

　　护照大小照片 passport size photo

　　驾照 driver's licence

　　出生证明 birth certificate

　　信用卡 credit card

　　借记卡 debit card

　　(拓展记忆：凭卡办理存取款和消费结算，不能透支。Access to deposit,withdrawal, purchase, and payment, overdraft prohibited.)

　　雇主推荐 reference from your employer

　　账单 bank statements

　　3.账户信息 托福口语

　　银行会问你想多久收到一次账单?

　　How often would you like to receive statements?

　　有些人喜欢一周一次

　　Some people like them weekly.

　　有些人喜欢一个月一次 once a month

　　拓展记忆：两周一次once a fortnight

　　有些银行会问一些信息来验证你的身份，为了安全的原因。

　　Now we usually ask for a piece of information which we can use to check your identity, for security reasons.

　　最好提供父母的名字，这不太会被知道

　　It's less likely to be known.

　　还会问：

　　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...

　　4.账户使用

　　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.

　　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 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.