accountn.B1
账户
open an account · bank account
I opened a new savings account last week.
我上周开了一个新的储蓄账户。
学完能做到
- 办理业务的正式书面沟通
- 推测原因
词汇 core 13 · expansion 16 · chunks 4
核心词 core
transactionn.B2
交易
make a transaction · online transaction
You can view all your recent transactions on the app.
你可以在应用程序上查看所有近期交易。
depositn./v.B1
存款
make a deposit · deposit money
I deposited the cheque at the bank this morning.
我今天上午在银行存了支票。
withdrawaln.B1
取款
make a withdrawal · cash withdrawal
You can make a withdrawal from any ATM.
你可以在任何自动提款机取款。
balancen.B1
余额
check your balance · account balance
I checked my balance and it was lower than I expected.
我查了余额，发现比预想的少。
feen.B1
费用，手续费
monthly fee · bank fee
There is a fee for using this account overseas.
在海外使用该账户需支付手续费。
chargen./v.B1
收费，控告
service charge · charge a fee
The bank charged me £5 for the transfer.
银行收了我5英镑的转账费。
overdraftn.B2
透支额，透支
go into overdraft · an overdraft facility
If you go into your overdraft, you pay high interest.
如果透支，你要付很高的利息。
statementn.B1
银行对账单
bank statement · monthly statement
Your statement shows all payments into and out of your account.
你的对账单显示所有收支。
interestn.B1
利息
interest rate · pay interest
The account pays 2% interest each year.
该账户年利率为2%。
transfern./v.B2
转账
bank transfer · transfer money
I made a transfer to pay the bill online.
我转账支付了账单。
PINn.B1
个人识别码
enter your PIN · PIN number
Don't share your PIN with anyone.
不要把密码告诉任何人。
ATMn.A2
自动提款机
ATM machine · use the ATM
I withdrew cash from the ATM.
我从提款机取了现金。
扩展词库 expansion
branchn.B1
银行分行
bank branch · local branch
online bankingn.B1
网上银行
use online banking
customer servicen.B1
客服
contact customer service
complaintn.B1
投诉
make a complaint
securityn.B1
安全
security check · online security
fraudn.B2
诈骗
credit card fraud
contactlessadj.B1
非接触式的
contactless payment
mortgagen.B2
按揭贷款
apply for a mortgage
loann.B1
贷款
bank loan · student loan
savingsn.B1
储蓄
savings account
credit cardn.B1
信用卡
credit card bill
chequen.B2
支票
write a cheque
sort coden.B2
清算代码
enter your sort code
direct debitn.B2
直接借记
set up a direct debit
standing ordern.B2
定期自动付款指令
standing order payment
currencyn.B1
货币
foreign currency
词块 / 生存短语 chunks
open an account开户
You need two forms of ID to open an account.
开户需要两种身份证明。
make a deposit存款
You can make a deposit at the counter or at the ATM.
你可以在柜台或自动提款机存款。
check your balance查询余额
You can check your balance online or on your phone.
你可以在网上或手机上查询余额。
in credit有余额，有余款
When you are in credit, the bank owes you money.
当你有余额时，银行欠你钱。
语法 语言升级点
Modals of deduction (must/might/could/can't be)B1
推测现在的情况或事实
must/might/could/can't + be/do 用于对现在情况推测
当你对某事不太确定时，用 must be（肯定）、might/could be（可能）、can't be（不可能）。注意 can't 是 must 的反面。
例句
There must be a problem with the system because I can't log in.
系统肯定出问题了，因为我登不上去。
That can't be right; my balance should be higher.
那不可能；我的余额应该更高。
The error might be due to a delay in the transfer.
这个错误可能是因为转账延迟造成的。
常见错误
✗ It must be rain yesterday. → ✓ It must have rained yesterday.
对过去推测用 must have done；对现在用 must be/do。
↑ 提分：到6分可尝试对过去推测的 must have done, might have done 结构。
Reported questions (indirect speech)B1
转述别人问过的问题
asked + (if/whether) + 陈述语序; 或 asked + 疑问词 + 陈述语序
把直接问句转成间接引语时，要去掉助动词 do/does/did，用陈述语序，时态往后退一步（present→past, past→past perfect）。口语中常常不退时态，但写作中要退。
例句
She asked me what my account number was.
她问我的账号是多少。
He wanted to know if the fee had been charged correctly.
他想知道收费是否正确。
常见错误
✗ She asked what was the problem. → ✓ She asked what the problem was.
间接引语疑问句用陈述语序，不用倒装。
↑ 提分：提升到6分可以混合使用 asked, wondered, wanted to know 等不同转述动词。
阅读 Reading terms
Current Account Terms and Conditions
This summary sets out the key terms for our current account.
1. Opening an account
To open an account, you must be at least 18 years old and provide proof of identity and address. You can do this at any branch or online.
2. Deposits
You can deposit cash or cheques at a branch, at our ATMs, or via the mobile app. Cheques may take up to three working days to clear.
3. Withdrawals
You can withdraw up to £300 a day from ATMs. With larger amounts, you must visit a branch in person.
4. Fees
We do not charge a monthly fee if you pay in at least £500 each month. Otherwise, there is a fee of £5 per month. Overseas withdrawals cost £1.50 each.
5. Overdrafts
You can apply for an arranged overdraft. If you go into an unarranged overdraft, you will pay £10 per day.
Please read the full terms online or ask for a copy in branch.
clear(支票)清算arranged overdraft协议透支unarranged overdraft非协议透支
TFNG1.You must be at least 21 to open a current account.
✅ FALSE — 条款第一条说至少18岁，不是21岁。
gap_fill2.Mobile cheque deposits can take up to ___ working days to clear.
✅ three / 3 — 第二条说支票可能花费多达三个工作日清算。
MCQ3.How can you avoid paying the monthly account fee?
- A Pay in at least £500 each month
- B Withdraw less than £300
- C Use the mobile app
✅ A — 第四条：如果每月存入至少500英镑，不收月费。
TFNG4.You can withdraw any amount of cash from an ATM.
✅ FALSE — 第三条说每天只能取300英镑，大额须到分行。
gap_fill5.An unarranged overdraft costs ___ per day.
✅ £10 / 10 pounds — 最后一条：非协议透支每天10英镑。
💡 技巧：阅读条款时，注意数字、金额、条件（if, otherwise）和例外，这些都是出题点。先读问题再找对应段落。
听力 Listening Section 2 · UK
情景：银行员工向新客户介绍账户类型和服务（Section 2 独白）
Bank Officer
Good afternoon, and welcome. Today I'm going to explain the different accounts we offer and how to manage your money with us.
Bank Officer
First, our 'Easy Saver' account. You can open it with just £10, and it pays 1.5 percent interest. You can add money at any time, but you can only withdraw twice a month without losing interest.
Bank Officer
Next, the 'High Interest' account. It pays three percent, but you must give 60 days' notice before you take money out.
Bank Officer
We also have a 'Student Saver'. It's similar to the Easy Saver, but there is no minimum opening amount, and there are no withdrawal limits. You do need a valid student ID.
Bank Officer
Now, about security—never share your PIN with anyone. The bank will never ask for your full PIN by phone or email. If you notice a transaction you don't recognise, contact us immediately.
Bank Officer
Finally, you can manage all your accounts on our app. You can check balances, make transfers, and even pay in cheques by taking a photo.
gap_fill1.The Easy Saver account offers ___ percent interest.
✅ 1.5 — 听力中说 pays 1.5 percent interest。
MCQ2.What is a requirement for the High Interest account?
- A minimum deposit of £10
- B 60 days' notice for withdrawals
- C a student ID
✅ B — 说 must give 60 days' notice before you take money out。
TFNG3.The Student Saver allows unlimited withdrawals.
✅ TRUE — 说 no withdrawal limits，所以无限制。
gap_fill4.Never share your ___ with anyone.
✅ PIN — security 那句：never share your PIN with anyone。
MCQ5.What feature does the mobile app offer?
- A opening a new account
- B depositing cash
- C paying in cheques by photo
✅ C — 最后说 you can pay in cheques by taking a photo。
💡 技巧：Section 2 常是银行或机构介绍，信息点密集。听前快速划出数字、百分比、条件词（if, must, never）和独特动词。注意同义替换，如 'no limits' 替换 'unlimited'。
写作 Writing Task 1 (letter)（formal） · 目标 160 词
You have discovered an error on your bank statement. Write a letter to the bank manager. In your letter: - explain when you noticed the error - describe the error and the amount involved - say what action you would like the manager to take.
Dear Sir or Madam,
I am writing to bring to your attention an error that appeared on my most recent statement, which I received on June 10.
My account name is Clare Williams, and the sort code is 12-34-56. On June 5, a withdrawal of £150 was taken from my account, but I am certain that I did not make this transaction. I was in a different city on that day and have not used my card. The same amount also appeared again on June 7, making a total of £300.
I believe this could be a case of fraud or a system mistake. I have already checked my online transactions, but there is no further information.
I would be grateful if you could investigate this matter urgently and refund the £300 as soon as possible. If you require any further details, please do not hesitate to contact me.
Thank you for your help. I look forward to your reply.
Yours faithfully,
Clare Williams
逐句标注
任务“I am writing to bring to your attention an error...”正式投诉信标准开头，直接说明目的。
衔接“I am certain that I did not make this transaction.”使用 that 引导的宾语从句，表明确定性。
语法“I believe this could be a case of fraud or a system mistake.”情态推测 could be，符合本课语法点。
任务“I would be grateful if you could investigate...”正式礼貌的请求，语气得体。
🎯 本档语言特征：任务完成度好，对三个要点均有扩展；使用多种句型，包括宾语从句、条件句、情态推测；词汇准确（error, transaction, investigate, refund）；连接流畅。信件格式正确（Dear Sir or Madam / Yours faithfully）。
↑ 再上一档：进一步提升：增加更多主题词汇如 unauthorised transaction，branch；尝试用间接引语转述过去对话（如 I told the helpline that I hadn't...）。
口语 Speaking
Part 1
Q: Do you often go to a bank?
Not very often. I do most of my banking online, but I go to the branch if I need to deposit cash or speak to someone in person.
💡 用 but 对比线上线下，自然回应。
Q: Is it better to save money or spend it?
I think it's important to do both. Saving means you have money for the future, but spending on things you enjoy can also make life better. So it depends.
💡 给出平衡观点，用 It depends 收尾。
Q: Have you ever had a problem with your bank?
Yes, once. My card stopped working suddenly, and I couldn't buy anything. I called the bank, and they found out that someone had tried to use my details. They sent me a new card the next day.
💡 讲故事，用过去时和过去完成，自然使用 bank-related 词汇。
Part 2 · 提示卡
Describe a time when you had to use a bank service. You should say: - what service you used - when and where it happened - what you had to do - and explain how you felt about the experience.
A few months ago, I needed to send some money to my parents, who live abroad. I went to a local branch because I wasn't sure how to do an international transfer online. The assistant helped me fill in a form with the recipient's bank details, including the IBAN and sort code. I also had to show my ID. It took about twenty minutes. I felt a bit nervous because I'd never done it before, but the staff were friendly and explained everything clearly. In the end, it was successful and the money arrived in two days. I was relieved and thought that sometimes face-to-face service is more reassuring than online banking.
💡 按提示点依次讲述，描述感受时用形容词和过去感觉（nervous, relieved），加入银行术语（IBAN, sort code）。
Part 3
Q: Do you think cash will disappear in the future?
It might happen, but not soon. In many countries, people already use cards or phones to pay, especially in cities. However, cash is still important for older people and in small shops. So it might disappear slowly, but probably not completely for a long time.
💡 使用 might 进行推测，给出不同群体对比，用 however 连接。
Q: Why do some people worry about online banking?
I think it's mainly because of security. People hear about fraud, and they are afraid that someone could steal their money or personal details. Also, some people are not very confident with technology, so they prefer to go to a branch where they can talk to a real person.
💡 给出两个原因，用 also 连接，并使用 could 表示可能性。
高频短语
I do most of my banking online. — 谈论银行使用习惯
The money arrived in two days. — 描述到账时间
I would be grateful if you could... — 正式信件中的请求用语
应试策略
5.5档写作需覆盖所有要点，使用正确的信件格式。阅读和听力注意数字、条件、否定等信息点，提前划关键词。口语中主动使用本课语法点（情态推测、间接引语）能提升语言表现。
本档提分建议
冲6分：将情态推测用于口语和写作中（must be/might be/can't be）；间接引语用在写作 Task 2 举例或 Task 1 说明事件时。增加银行主题词汇（unauthorised, sort code, direct debit）并正确拼写。