accountn.A2
账户
open an account · bank account
I want to open a new bank account.
我想开一个新的银行账户。
学完能做到
- 读懂银行表格和条款的关键信息
- 听懂银行职员提供的简单服务介绍
- 写一封正式信件给银行询问账户细节
- 在口语中简单描述自己使用银行服务的习惯
词汇 core 12 · expansion 14 · chunks 4
核心词 core
depositv./n.B1
存款；存入
deposit money · make a deposit
I need to deposit some cash into my account.
我需要存一些现金到我的账户。
withdrawv.B1
取款
withdraw money · withdraw cash
You can withdraw money from the ATM.
你可以从自动取款机取钱。
branchn.A2
分行；支行
bank branch · local branch
There is a bank branch near my house.
我家附近有一家银行分行。
balancen.B1
余额
check the balance · account balance
I checked my balance online this morning.
我今天早上在网上查了余额。
transferv./n.B1
转账
transfer money · make a transfer
I transferred 200 pounds to my friend's account.
我转了200英镑到我朋友的账户。
statementn.B1
银行结单；对账单
bank statement · monthly statement
I receive my bank statement by email every month.
我每个月通过电子邮件收到银行结单。
interestn.B1
利息
interest rate · pay interest
This account pays 2% interest per year.
这个账户每年支付2%的利息。
chargen./v.B1
费用；收费
service charge · charge a fee
There is no monthly charge for this account.
这个账户没有月费。
PINn.A2
密码（个人识别码）
enter your PIN · PIN number
You need to enter your PIN to use the card.
你需要输入密码才能使用这张卡。
customern.A2
顾客、客户
bank customer · customer service
The bank customer service helped me with my problem.
银行客户服务帮我解决了问题。
cashiern.B1
出纳员；柜员
bank cashier
The cashier counted the money and gave me a receipt.
柜员数了钱并给了我一张收据。
扩展词库 expansion
savev.A2
节省；存钱
save money · save for something
spendv.A2
花费
spend money · spend on something
feen.B1
费用
monthly fee · a small fee
identityn.B1
身份
proof of identity · identity card
applicationn.B1
申请
application form · fill in an application
onlineadj./adv.A2
在线的；在网上
online banking · online payment
passwordn.A2
密码
create a password · forgot my password
debitn.B1
借记
debit card · direct debit
creditn.A2
信用；信贷
credit card · credit rating
receiptn.A2
收据
ask for a receipt · keep the receipt
chequen.B1
支票
write a cheque · pay by cheque
countern.A2
柜台
go to the counter · at the counter
savingsn.B1
储蓄
savings account · put money into savings
loann.B1
贷款
bank loan · take out a loan
词块 / 生存短语 chunks
Can I open an account, please?请问我能开一个账户吗？
Good morning, can I open an account, please?
早上好，请问我能开一个账户吗？
I'd like to make a deposit.我想存钱。
I'd like to make a deposit into my savings account.
我想往我的储蓄账户里存钱。
How much interest do you pay?你们付多少利息？
Before opening the account, I asked: how much interest do you pay?
开户前我问：你们付多少利息？
I need to speak to customer service.我需要与客服通话。
I need to speak to customer service about a problem with my card.
我需要与客服谈一下我的卡的问题。
语法 语言升级点
Relative clauses with who / which / that (restrictive use)B1
用关系从句补充说明名词的信息
who (for people), which (for things), that (for both) + 动词
who用来形容人，which形容物或事，that两者都可以。这种从句直接放在要说明的名词后面，不用逗号。例如：The man who works at the bank is very helpful.（那个在银行工作的男人很乐于助人。）
例句
I have an account which gives me 2% interest.
我有个付2%利息的账户。
The cashier that helped me was very friendly.
帮我的那个柜员很友好。
常见错误
✗ The bank is in the centre which I like. → ✓ The bank which I like is in the centre.
关系从句要紧跟被修饰的名词；which I like 移到 bank 后面才对。
✗ She is the woman who she works here. → ✓ She is the woman who works here.
关系从句里的主语就是who/that，不能再加一个she。
↑ 提分：再高一档可以用where（地点）和whose（所有格）来扩展，例如 the bank where I opened my account。
Object pronouns (me, him, her, it, us, them)A2
用于动词或介词后代替宾语
主语之外用宾格：me, him, her, it, us, them
当人或物是动作的接受者时要换成宾格。比如：Please give me the form. / The bank sent him a letter. 注意区分主格(I, he, she)和宾格。
例句
The bank gave me a new card.
银行给了我一张新卡。
I asked them about the fees.
我问了他们关于费用的事。
常见错误
✗ The cashier told I to wait. → ✓ The cashier told me to wait.
动词 told 后要用宾格 me，不是主格 I。
↑ 提分：宾格代词很简单，但要用得自然。再高一档可以结合间接宾语提前，如 They sent him the statement.
阅读 Reading form / terms
Current Account Application Form
CITY BANK - CURRENT ACCOUNT APPLICATION
Please complete this form and bring it to your nearest branch with proof of identity (passport or driving licence) and proof of address (utility bill or bank statement).
Personal Details
Full name: .................................
Date of birth: .................................
Address: .................................
Phone number: .................................
Account Options (choose one)
☐ Standard Current Account
- No monthly fee
- Free online banking and mobile app
- Interest: none
☐ High Interest Current Account
- Monthly fee: £5
- Interest: 2% AER on balances over £1,000
- Free online banking
Both accounts come with a contactless debit card. You can withdraw up to £300 per day from any UK ATM.
Important: To open an account, you must be 18 or over and a UK resident. The bank may check your credit history before opening the account.
Declaration: I confirm that the information I have given is correct.
Signature: .................................
Date: .................................
proof of identity身份证明utility bill水电账单AER年等值利率contactless非接触式resident居民
gap_fill1.You must provide your passport or driving licence as your ______.
✅ proof of identity — 原文要求带 proof of identity，括号里列了 passport or driving licence。
TFNG2.The Standard Current Account has a monthly fee.
✅ FALSE — Standard Account 下写着 No monthly fee，所以没有月费。
TFNG3.The High Interest Account pays interest if you keep more than £1,000.
✅ TRUE — High Interest Account 的条件是 Interest: 2% AER on balances over £1,000，因此超过1000镑就有利息。
MCQ4.Which document can be used as proof of address?
- A passport
- B utility bill
- C driving licence
✅ B — 原文 proof of address 后面括号里是 utility bill or bank statement。
TFNG5.The bank may refuse to open an account if you have a bad credit history.
✅ TRUE — 最后一段说 The bank may check your credit history before opening，暗示信用差可能会被拒。
💡 技巧：表格和条款类阅读题要快速定位关键词，如 fee, interest, proof。判断题同样先找原词，再确认意思。注意 NOT GIVEN 的情况。
听力 Listening Section 2 · UK
情景：一位银行员工向顾客介绍新开户的流程（Section 2 独白）
Bank Staff
Welcome to City Bank. Today I'm going to explain how to open a new current account with us.
Bank Staff
First, you need to fill in an application form. You can download it from our website or pick one up from any branch.
Bank Staff
You must bring two documents with you: proof of identity, such as your passport, and proof of your address, for example a recent electricity bill.
Bank Staff
We offer two main types of current account. The Standard Account is free. There is no monthly charge, and you get free online banking. However, it does not pay interest.
Bank Staff
If you keep more than one thousand pounds in your account, you might prefer the High Interest Account. This account pays two percent interest per year. But there is a five-pound monthly fee.
Bank Staff
Both accounts include a debit card that works contactless. You can take out up to three hundred pounds per day from cash machines.
Bank Staff
Now, if you have any questions, I'll be happy to help you after this talk.
gap_fill1.To open an account, you need to fill in a(n) ______.
✅ application form — 听力开头就说 fill in an application form。
MCQ2.Which item can be used as proof of address?
- A passport
- B electricity bill
- C driving licence
✅ B — 听力中 proof of your address, for example a recent electricity bill。
gap_fill3.The Standard Account has no monthly ______.
✅ charge / fee — 听力中说 there is no monthly charge；charge 和 fee 都可接受。
gap_fill4.The High Interest Account pays ______ percent interest per year.
✅ two / 2 — 听力明确说 two percent interest per year。
MCQ5.How much can you withdraw per day from a cash machine?
- A £100
- B £300
- C £500
✅ B — 听力中 up to three hundred pounds per day。
💡 技巧：Section 2 常见银行或服务介绍，要抓住并列选项（two types）和具体数字（fee, interest rate, amount）。听前读题预测空位词性。
写作 Writing Task 1 (letter)（formal） · 目标 150 词
You have a problem with your bank account. Write a letter to the bank manager. In your letter: - describe the problem - explain how it affects you - say what you would like the bank to do.
Dear Sir or Madam,
I am writing to complain about a problem with my current account. My account number is 12345678.
For the past three days, I have not been able to log into my online banking. The system says my password is wrong, but I did not change it. I tried to reset the password, but the website does not send the reset link to my email. I also called the customer service number three times, but nobody answered.
This problem is very inconvenient for me. I cannot check my balance or pay my bills online. I need to pay my rent soon, and I am worried that I will be late. I also cannot transfer money to my family this week.
I would like you to check my account and help me to log in again as soon as possible. Please contact me on 07700 900123 or by this email address. If you cannot fix the problem, I may have to come to the branch in person.
I look forward to hearing from you.
Yours faithfully,
Jan Lee
逐句标注
任务“I am writing to complain about a problem with my current account.”正式信开头直接说明目的，覆盖要点1。
任务“I would like you to check my account and help me to log in again”清晰表达要求，覆盖要点3。
语法“If you cannot fix the problem, I may have to come to the branch in person.”使用了本课学的 may have to 情态和基础条件句。
衔接“This problem is very inconvenient for me.”解释影响，衔接自然。
🎯 本档语言特征：简单句为主，有少量关系从句和原因句。使用正式语气（I am writing to complain），覆盖所有要点，拼写与语法基本正确。篇幅约160词，接近 band5 水平。
↑ 再上一档：再往上可丰富句型和词汇，如 inconvenience 换成 verb，加入 more advanced linking words (furthermore, as a result)。
口语 Speaking
Part 1
Q: Do you use a bank?
Yes, I have an account at City Bank. I use it for my salary and to pay bills.
💡 简单回答并扩展用途。
Q: How often do you go to a bank branch?
Not very often. I do most things online, but I go to the branch once a month to deposit a cheque.
💡 说明频率并举例。
Q: Do you prefer to use cash or a bank card?
I prefer a bank card because it is easier and safer. I only carry a little cash.
💡 用比较和 because 展开。
Part 2 · 提示卡
Describe a time when you used a bank service. You should say: what service you used; when and where you went; who helped you; and explain how you felt about the service.
I want to talk about the time I opened my first bank account. It was about two years ago. I went to the City Bank branch in the town centre. A friendly cashier helped me. Her name was Sarah. First, she gave me an application form. I filled it in and gave her my passport and a bill for proof of address. She checked everything and then opened the account for me. It only took about twenty minutes. I felt very happy and a little proud because it was my first account. Sarah explained the different types of accounts and helped me choose the best one. The service was very good, and I still use that account today.
💡 按提示卡顺序说：服务→时间地点→谁帮忙→感受。用过去简单式，尽量多说细节。
Part 3
Q: Do you think it is important for people to have a bank account?
Yes, I think it is very important. A bank account helps you save money safely and you can pay bills easily. It is also useful if you want to get a loan later.
💡 给出理由，用 helps you save, useful if 等简单表达。
Q: How do you think banking will change in the future?
I think most people will use online banking more. Maybe bank branches will be smaller or there will be fewer of them. People will pay with their phones more often.
💡 表达预测，用 will 将来式，简单即可。
Q: Is it easy for young people to learn about money management?
I think it is not very easy. Sometimes schools do not teach it, and parents may not talk about money. But the internet has many simple guides, so young people can learn by themselves.
💡 两面回答，用 but 给出不同观点。
高频短语
I prefer ... because it is easier. — 表达偏好，给出原因
I went to ... and ... helped me. — 描述事情经过的简单句式
It is useful if you want to ... — 说明优势或用途
应试策略
针对银行场景的正式信，开头用 Dear Sir or Madam,，结尾 Yours faithfully,。听力 Section 2 独白要快速扫读题干，预测答案类型（数字、名词）。口语中如果卡住，用简单句解释即可。
本档提分建议
从4.5提升到5.0，重点：1. 在写作和口语中尝试使用关系从句（who/which）来丰富句子；2. 避免宾格代词错误；3. 多记本单元的银行相关词汇，让表达更准确。