纵深留学考试 缔造高分传奇
地址:北京市海淀区海淀北二街 8 号 中关村 SOHO A 区 2 层
电话:400-890-6000 传真:010-82607462
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留学生银行开户必备会话——出国留学
摘要:留学生银行开户有哪此必备会话,你了解多少?作为一人留学新生,很多手续特别是
银行开户手续都比较繁琐,小心记住每一个要点
以下便是小编整理的留学生银行开户必备会话,认真练习吧!
最好是在有名的银行中开帐户。
it's best to open an account
银行会问你开账户的金额为多少
And how much would you like to open your account with?
每个银行的开账户时的最小额度 minimum sum不同
要咨询一下汇率 exchange rate和利率 interest rate
英国的几个比较有名的银行有 Barclays 和 Lloyds。
然而,得清楚很重要一点是留学生不能享受到提供给当地学生的设施。
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.
银行有不同的
,他们提供给你的服务是取决于你的个人情况,同样也取决于银行经理的自
行处理。
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.
注意:documentation 指的是文件总称。
纵深留学考试 缔造高分传奇
地址:北京市海淀区海淀北二街 8 号 中关村 SOHO A 区 2 层
电话:400-890-6000 传真:010-82607462
网址:www.bailitop.com 邮编:100080
作为一个留学生,你需要提供证据证明自己能够支付费用,直到课程结束
as an international student,you will need to provide evidence that you can fund/support
yourself for however long your course lasts.
(拓展记忆:存款为 funding)
除此之外,大多银行要求你带上你的护照和你的录取通知书
In addition to this, most banks ask you to bring your passport and your letter or
certificate of enrolment .,
或者带着学校注册信 letter of registration
其它证件:
护照大小照片 passport size photo
驾照 driver's licence
出生证明 birth certificate
信用卡 credit card
借记卡 debit card
(拓展记忆:凭卡办理存取款和消费结算,不能透支。Access to deposit,withdrawal, purchase,
and payment, overdraft prohibited.)
雇主推荐 reference from your employer
账单 bank statements
纵深留学考试 缔造高分传奇
地址:北京市海淀区海淀北二街 8 号 中关村 SOHO A 区 2 层
电话:400-890-6000 传真:010-82607462
网址:www.bailitop.com 邮编:100080
银行会问你想多久收到一次账单?
How often would you like to receive statements?
有些人喜欢一周一次
Some people like them weekly.
有些人喜欢一个月一次 once a month
拓展记忆:两周一次 once a fortnight
有些银行会问一些信息来验证你的身份,为了安全的原因。
Now we usually ask for a piece of information which we can use to check your identity,
for security reasons.
最好提供父母的名字,这不太会被知道
It's less likely to be known.
还会问:
职业 occupation/profession
出生日期 date of birth
全名 full name
名 first name 、given name
中间名字 middle name
姓 surname/family name/last name
纵深留学考试 缔造高分传奇
地址:北京市海淀区海淀北二街 8 号 中关村 SOHO A 区 2 层
电话:400-890-6000 传真:010-82607462
网址:www.bailitop.com 邮编:100080
过去地址 previous address
目前地址 present/current address
在目前地址居住时间 time at current address
每个人还应该带着填有名字和地址的宣传单
You should each have a handout with the names and addresses...
在开帐户时,银行会给你一本支票簿,你可以用它在需要时取钱。
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.
如果你要在商店里用支票,你会同时需要一张支票保付卡
If you need to write cheques in shops, you'll also need a cheque card .
拓展记忆:旅行支票 traveler's cheque
这是一种认证卡(身份证),保证签出的支票能符合银行支票保付卡所对应能支付的额度
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.
如果你想提取现金你可以让支票以你的名义支付或者兑现。
If you want to draw out cash for yourself you can make the cheque payable in your own
纵深留学考试 缔造高分传奇
地址:北京市海淀区海淀北二街 8 号 中关村 SOHO A 区 2 层
电话:400-890-6000 传真:010-82607462
网址:www.bailitop.com 邮编:100080
name or 'to cash'.(兑现支票 cash the cheque
(拓展记忆:
§payable at sight 见票即付
§payable on demand 随到随付)
你可以用提款卡从取款机中提取现金
You can also withdraw cash from a cash point machine with a cashcard.
(提款机又叫做 ATM=Automatic Teller Machine)
你也许想取出超过你银行额度的钱,这叫做透支。
You may want to take more money out ot the bank than you have in it.This is called having
an overdraft.
要当心,除非有银行允许,否则不能这么做。
Be very careful with this--you should not do this without permission from your bank.
透支经常导致额外费用,虽然有些银行提供给某些学生免利息透支
Overdrafts usually incur charges,though some banks offer interest-free overdrafts to
some students.
纵深留学考试 缔造高分传奇
地址:北京市海淀区海淀北二街 8 号 中关村 SOHO A 区 2 层
电话:400-890-6000 传真:010-82607462
网址:www.bailitop.com 邮编:100080
对于银行转账 bank transfer ,如果相互连接的银行可以直接转账
If we have links with them, we can do a direct transfer.
对于开放时间 opening times:
伦敦和其他主要城市中大一点的分行在周六开放时间有限制。
Some of the bigger branches in London and other major cities are now open for a limited
time on Saturdays.
还可以申请其他银行业务 bank service:
贷款 loan
保险 insurance
低风险投资 low-risk investment
股票和基金 stocks and shares
(拓展记忆:储蓄金 nest egg)
至今为止,最有用的帐户是活期账户
by far the most useful type of account to open is a current account
你真正能拿到的帐户是学生帐户,其实它就是一个有特殊优惠的活期账户
you will actually get what is called a 'student account' which is a current account
with special concessions for students.
纵深留学考试 缔造高分传奇
地址:北京市海淀区海淀北二街 8 号 中关村 SOHO A 区 2 层
电话:400-890-6000 传真:010-82607462
网址:www.bailitop.com 邮编:100080
可能免手续费 service charge
如果你出了经济问
financial affairs,有了负债 be in debt,如果你的信用卡被拒绝 your
credit card is declined,账户被冻结 account is frozen
学校可能提供你助学金 grants,或者帮助你得到低息贷款 low-interest loan
其他重要的帐户为储蓄存款帐户 savings account,定期帐户 deposit account
联名账户 joint account
(联名账户持有者 joint account holder)
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如有留学疑问,请咨询北京美加百利咨询有限公司;
如有留学考试相关疑问,请咨询北京前程百利教育科技有限公司。
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