國外銀行開戶必備英語

it's best to open an account

最好是在有名的銀行中開帳戶。

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

銀行會問你開賬戶的金額為多少?

每個銀行的開賬戶時的最小額度minimum sum不同

要咨詢一下匯率exchange rate和利率interest rate。

英國的幾個比較有名的銀行有Barclays 和 Lloyds。

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。

然而，得清楚很重要一點是留學生不能享受到提供給當?shù)貙W生的設施。

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。

銀行有不同的政策，他們提供給你的服務是取決于你的個人情況，同樣也取決于銀行經(jīng)理的自行處理。

注意：documentation指的是文件總稱。

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

作為一個留學生，你需要提供證據(jù)證明自己能夠支付費用，直到課程結(jié)束

(拓展記憶：存款為funding)

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

除此之外，大多銀行要求你帶上你的護照和你的錄取通知書

或者帶著學校注冊信 letter of registration

How often would you like to receive statements?

銀行會問你想多久收到一次賬單?

Some people like them weekly。once a month

有些人喜歡一周一次。有些人喜歡一個月一次

拓展記憶：兩周一次once a fortnight

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

有些銀行會問一些信息來驗證你的身份，為了安全的原因。

It's less likely to be known。

最好提供父母的名字，這不太會被知道

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

每個人還應該帶著填有名字和地址的宣傳單

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。

在開帳戶時，銀行會給你一本支票簿，你可以用它在需要時取錢。

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

如果你要在商店里用支票，你會同時需要一張支票保付卡

拓展記憶：旅行支票 traveler's cheque

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。

這是一種認證卡(身份證)，保證簽出的支票能符合銀行支票保付卡所對應能支付的額度

If you want to draw out cash for yourself you can make the cheque payable in your own name or 'to cash'。(兌現(xiàn)支票cash the cheque)

如果你想提取現(xiàn)金你可以讓支票以你的名義支付或者兌現(xiàn)。

其它證件：

護照大小照片 passport size photo

駕照 driver's licence

出生證明 birth certificate

信用卡 credit card

借記卡 debit card

(拓展記憶：憑卡辦理存取款和消費結(jié)算，不能透支。Access to deposit,withdrawal, purchase, and payment, overdraft prohibited。)

雇主推薦 reference from your employer

賬單 bank statements

還會問：

職業(yè) occupation/profession

出生日期 date of birth

全名 full name

名 first name 、given name

中間名字 middle name

姓 surname/family name/last name

過去地址 previous address

目前地址 present/current address

在目前地址居住時間 time at current address

(拓展記憶：

§payable at sight見票即付

§payable on demand隨到隨付)

You can also withdraw cash from a cash point machine with a cashcard。

你可以用提款卡從取款機中提取現(xiàn)金

(提款機又叫做ATM=Automatic Teller Machine)

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

你也許想取出超過你銀行額度的錢，這叫做透支。

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

要當心，除非有銀行允許，否則不能這么做。

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

透支經(jīng)常導致額外費用，雖然有些銀行提供給某些學生免利息透支

對于銀行轉(zhuǎn)賬bank transfer ，

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

如果相互連接的銀行可以直接轉(zhuǎn)賬

對于開放時間opening times：

Some of the bigger branches in London and other major cities are now open for a limited time on Saturdays。

倫敦和其他主要城市中大一點的分行在周六開放時間有限制。

還可以申請其他銀行業(yè)務bank service：

貸款loan

保險insurance

低風險投資 low-risk investment

股票和基金 stocks and shares

(拓展記憶：儲蓄金 nest egg)

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

至今為止，最有用的帳戶是活期賬戶

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

你真正能拿到的帳戶是學生帳戶，其實它就是一個有特殊優(yōu)惠的活期賬戶

可能免手續(xù)費service charge

如果你出了經(jīng)濟問題financial affairs，有了負債be in debt，如果你的信用卡被拒絕your credit card is declined，賬戶被凍結(jié)account is frozen

學?？赡芴峁┠?strong>助學金grants，或者幫助你得到低息貸款low-interest loan

其他重要的帳戶為儲蓄存款帳戶savings account,定期帳戶deposit account

聯(lián)名賬戶 joint account

(聯(lián)名賬戶持有者joint account holder)