Words Borrow lend mortgage load interest deposit withdraw overdraft overdrawn Cash point/ATM cheque/checkl currency exchange rate convert transaction bank clerk Phrases Cashcheque Open an account Exchange currency Conducttransaction Makewithdrawal Writecheque Use an ATM card Get an overdraft Enter you PIN Insert your card Pressbutton Usecredit card
Beginner A: how do you use an ATM card, billy? B: it’s easy grandpa. Insert you card intomachine here. Then waitmoment. Ok. Now you enter your PIN. It should have four numbers. A: oh yes. I’ve gotwritten down here. Justminute. B; you really shouldn’t writedown. You should memorise it. You can change ita more convenient number if you like. A: ok, I’ve entered my PIN. There are several optionsthe screen.guessjust choose which servicewant, don’t？ B: Yes. Chooseservice you needuse. If you choosewithdraw money,machine will ask you how much you want. A:can just enteramount usingkey, right? B: that’s right. Givemachinemomentprocess you request. Then take your money. A: these machines aren’t very difficultuse. In fact,quite like them. They are much faster than dealing withband clerk.
Intermediate A: which service offered by your band do you use most? B;use several services. Of course,depositwithdraw money quite often.often use my ATM cardtake money outmy current account.use my bankexchange money form once currencyanother.often travel abroad, you see. A: do you ever ask you banktraveller’s cheques? They are much safer than carrying lotscash around. B:sometimes use traveller’s cheques, but sometimestravelcountries where they are hardexchangecash. A: do you use your bankpay your utility bills?use direct debit. B: yes,do. It save melottime.also have standing ordersmy subscriptionsmagazines. A: that’s good idea. You don’t needworry about missing an issuea magazine if you do that.suppose you havemortgage too. B: yes. My bank offers very good termsconditionsmortgage. There’slotcompetition between banks nowadays. Each onetryingoffer better conditionsservices thanothers. A:havedeposit account with my bank. There are some restrictionswithdrawing money, butinterest ratemuch higher. B:don’t have one.preferbuy shares. My bank also providesshare trading service. It’s cheapeasyuse. A: that’s great. Butpreferput my money somewhere wherereturns are more certain