國(guó)外銀行開(kāi)戶(hù)必備英語(yǔ)

it's best to open an account

最好是在有名的銀行中開(kāi)帳戶(hù)。

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

銀行會(huì)問(wèn)你開(kāi)賬戶(hù)的金額為多少?

每個(gè)銀行的開(kāi)賬戶(hù)時(shí)的最小額度minimum sum不同

要咨詢(xún)一下匯率exchange rate和利率interest rate。

英國(guó)的幾個(gè)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(diǎn)是留學(xué)生不能享受到提供給當(dāng)?shù)貙W(xué)生的設(shè)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(wù)是取決于你的個(gè)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(chēng)。

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(gè)留學(xué)生，你需要提供證據(jù)證明自己能夠支付費(fèi)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(hù)照和你的錄取通知書(shū)

或者帶著學(xué)校注冊(cè)信 letter of registration

How often would you like to receive statements?

銀行會(huì)問(wèn)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(gè)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(huì)問(wèn)一些信息來(lái)驗(yàn)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(huì)被知道

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

每個(gè)人還應(yīng)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(kāi)帳戶(hù)時(shí)，銀行會(huì)給你一本支票簿，你可以用它在需要時(shí)取錢(qián)。

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(huì)同時(shí)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(rèn)證卡(身份證)，保證簽出的支票能符合銀行支票保付卡所對(duì)應(yīng)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(hù)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(fèi)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(huì)問(wèn)：

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(guò)去地址 previous address

目前地址 present/current address

在目前地址居住時(shí)間 time at current address

(拓展記憶：

§payable at sight見(jiàn)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(jī)中提取現(xiàn)金

(提款機(jī)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(guò)你銀行額度的錢(qián)，這叫做透支。

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

要當(dāng)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(dǎo)致額外費(fèi)用，雖然有些銀行提供給某些學(xué)生免利息透支

對(duì)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(duì)于開(kāi)放時(shí)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(diǎn)的分行在周六開(kāi)放時(shí)間有限制。

還可以申請(qǐng)其他銀行業(yè)務(wù)bank service：

貸款loan

保險(xiǎn)insurance

低風(fēng)險(xiǎn)投資 low-risk investment

股票和基金 stocks and shares

(拓展記憶：儲(chǔ)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(hù)是活期賬戶(hù)

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(hù)是學(xué)生帳戶(hù)，其實(shí)它就是一個(gè)有特殊優(yōu)惠的活期賬戶(hù)

可能免手續(xù)費(fèi)service charge

如果你出了經(jīng)濟(jì)問(wèn)題financial affairs，有了負(fù)債be in debt，如果你的信用卡被拒絕your credit card is declined，賬戶(hù)被凍結(jié)account is frozen

學(xué)校可能提供你助學(xué)金grants，或者幫助你得到低息貸款low-interest loan

其他重要的帳戶(hù)為儲(chǔ)蓄存款帳戶(hù)savings account,定期帳戶(hù)deposit account

聯(lián)名賬戶(hù) joint account

(聯(lián)名賬戶(hù)持有者joint account holder)