银行英语口语及常用短语

银行英语口语及常用短语(总
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money 钱 currency 货币
banknotes 纸币 coins 硬币
Federal Reserve Note bill
1美分 Abraham Lincoln
5美分 Thomas Jefferson
25美分、1美元 George Washington
100美元 Benjamin Franklin
dollar cent penny
nickle quarter half dollar
head 正面 tail 反面
green back buck
checking book 支票簿 card
中国：活期帐户 savings account current account 定期帐户 deposit account
美国：支票帐户 checking account
储蓄帐户 savings account
金钱市场账号 money market account
定期帐户 CD = certificate deposit
cashless society 无现金社会 check 支票
ATM card debit card 借记卡 pass book 存折certificate 存单 credit card 信用卡
cash 现金 stock 股票
funds 基金 foreign exchange 外汇储备
How would you like to deposit your money
您按什么方式存钱？
deposit 押金
down payment 定金
mineral deposit 矿物储藏
deposit some money in sth.
I’d like to open a savings account with this bank.
我想在您的银行开一个储蓄帐户。

How can I go about it
我要怎么办理呢？
The minimum deposit for a deposit account is fifty yuan. 定期存款帐户的最低储蓄额是50元钱。

What‘s the interest rate It‘s 1.2% per year.
利率是多少？每年1.2%。

Wha‘t the interest rate for deposit account
It‘s around 1.5% per year.
I’d like open a checking account
How can I go about it
The minimum deposit for a checking account is ...
The interest rate is ...
write a check
bounce a check
transaction fee
cash a check
Can I close my checking account now
现在我能取消我的活期存款账户吗？
2809
Lesson Twenty-eight Bank 银行
I want to withdraw my balance.
我想把余额取出来。

lose one balance 失去平衡
balance of payment 收支平衡
balance development of economy and environment withdraw 取钱
withdraw money form bank
withdraw 撤军
withdraw the troop from the occupied land withdraw my promise
withdrawal n.
You needn‘t fill out the withdrawal slip.
您不必填取款单。

slip n.
give sb a pink slip 解雇
fill out
fill in
2811
Lesson Twenty-eight Bank 银行
May I have this check cleared
我能兑付这张支票吗？
May I have this check cashed
I’d like to have the one-hundred yuan bill broken up.
我想破开这100元钱。

break sth up
break money up
break one-hundred bill up
How would you want your money
您想要什么面额的钱？
In one hundred yuan notes, please.
请给我100元一张的。

denomination 面值
In 50 yuan bills please.
How much do you want to exchange
您想换多少钱？
foreign exchange 外汇
I have 8000 HK dollars, and I want to change them for euros.
我有8000港币，我想把它们换成欧元。

What‘s the exchange rate today
今天的汇率是多少
get the loans from the bank 申请贷款
transfer service 转帐服务
What kind of account did you have in your mind
你想开哪种帐户
Do you like to open a current account
你想开一个活期存款帐户吗
A deposit or current account
定期还是活期
Please tell me how you would like to deposit your money. 请告诉我你想存何种户头
There's a service charge for the checking account but no charge for the savings.
支票户头要收服务费，现金户头不收。

Our minimum deposit for a savings account is 100 dollars.
我们储蓄存款的最低存款额是100美圆。

Five yuan is the minimum original deposit.
最低起存款额是5元。

You can open a savings account at any time with an initial deposit of 50 dollars.
你可随时以50美圆的起存额开立储蓄帐户。

Even one yuan is all right.
甚至一元也可以起存。

Here is your passbook. Please bring it back when you deposit or withdraw money any time you like. Keep it well and inform us whenever you lose it.
这是你的存折，存取款时请带来。

保管好存折，遗失请告诉我们。

I should like to open a current account.
我想开一个活期存款帐户。

I need a checking account so that I can pay my bill.
我需开个支票帐户，这样就能付帐。

We'd like to know how we open a checking-savings account. 我们想知道如何开一个支票储蓄帐户。

I have a checking account here.
我在这里有一个支票存款帐户。

I think I'd like a deposit account.
我想要开个定期存款帐户。

Can I open a current account here
我能否在这儿开个活期存款帐户？
I want to open a deposit account with you.
我要开个储蓄帐户。

I'd like to open a deposit account with you.
我想在你们这儿开个定期存款帐户。

Could you tell me the difference between a savings account and a checking account
请告诉我储蓄存款与支票存款的区别好吗？
Please tell me the procedure for opening a savings account. 请告诉我开个储蓄帐户需要什么手续。

Will 100 yuan be enough for a minimum deposit
100元作最低存款额够吗？
I'd like to know whether a 200 yuan deposit will be enough for opening a checking account.
我想知道开一个支票帐户200元存款是否够。

Could you tell me how to operate this account
请告诉我如何经管这个帐户好吗？
Is there any minimum for the first deposit
第一次储蓄有最低限额吗？
How much does each account cost
每个帐户要花多少钱？
Useful Phrases
current deposit, current account 活期存款
fixed deposit, fixed account 定期存款
fixed deposit by installments 零存整取
joint account 联名存款帐户
to open an account 开户头
银行英语口语－存款
How much do you want to deposit with us
你想在我们这存多少？
How much do you wish to pay into your account
你希望在你的户头上存多少？
How much money do you plan to keep in your account on a regular basis
你计划在你的户头上定期存放多少钱？
How much cash do you plan to deposit in your account
你有多少钱要存入呢？
I think you may deposit your money with the bank, or leave it here for temporary safe-keeping.
我认为你可把钱存入银行，或留在银行暂保管起来。

Would you please fill in the depositing form, giving the sum of money you're to deposit as well as your name, address and professional unit
请填张存款单，写明要存的数额以及你的姓名，地址和工作的单
位，好吗
I want to deposit 300 yuan in my account.
我想在我的户头上存300元。

I want to deposit these cheques in my account.
我想把这些支票存在我的户头上。

I'd like to pay 200 yuan into my deposit account.
我想在在我的定期存款户头上存200元。

I want to deposit my paycheck.
我想存入我的工资支票。

I'd like to know whether I can cash a cheque here.
我想知道我能否在这兑换支票。

Will you please cash this traveler's cheque
请兑现这张旅行支票好吗
I'd like to cash this money order.
我想兑现这张汇款单。

I want to cash the balance of a traveler's letter of credit. 我要把旅行信用证的结余兑现。

Will you please tell me whether you charge for cheques
请告诉我兑换支票收手续费吗
Could you tell me how much the checks cost
请告诉我这些支票要花多少钱
What if I overdraw
如果透支了怎么办
Please sign your name on the bottom line if you want to cash the check.
如果想兑支票，请在底线上签名。

Please write your account number on the back of the check. 请在支票背面写上你的帐号。

We honored the check as the overdraft was only 5 yuan.
我们承兑这张支票的透支额只有5元。

Please endorse the cheque.
请背签这张支票。

The traveler's checks cost 1.5% of the total amount of purchase.
旅行支票手续费是购买总额的1.5%。

Here's the cheque book. When you send a cheque by post be careful to cross it, but if you wish to cash a cheque yourself, you must leave it "open".
这是一本支票簿，你邮寄支票时，注意要在支票上打叉线。

但是如果你本人想开张兑现支票，就不可打叉线。

Each cheque you write will cost 2 dollars.
你每开一张支票将花2美圆。

Useful Words and Phrases
account number 帐目编号depositor 存户
pay-in slip 存款单
a deposit form 存款单
a banding machine 自动存取机to deposit 存款
deposit receipt 存款收据private deposits 私人存款certificate of deposit 存单deposit book, passbook 存折credit card 信用卡
principal 本金
overdraft, overdraw 透支
to counter sign 双签
to endorse 背书
endorser 背书人
to cash 兑现
to honor a cheque 兑付
to dishonor a cheque 拒付
to suspend payment 止付cheque,check 支票
cheque book 支票本
order cheque 记名支票
bearer cheque 不记名支票
crossed cheque 横线支票
blank cheque 空白支票
rubber cheque 空头支票
cheque stub, counterfoil 票根
cash cheque 现金支票
traveler's cheque 旅行支票
cheque for transfer 转帐支票
outstanding cheque 未付支票
canceled cheque 已付支票
forged cheque 伪支票
Bandar's note 庄票，银票
银行英语口语－取款、结余
_. 説嫒 22:27:53
I'd like to know if I can draw on my account for payment of things I buy in Tianjin.
我想知道一下我是否能提取存款来支付天津购物的费用。

I want to withdraw 200 dollars from my deposit account.
我要从我的定期存款中支取200美圆。

I want to close my account with you.
我想结束在你们这儿的帐户。

I'd like to draw 100 yuan against this letter of credit. 我想从这份信用证上提款100元。

May I draw money against the letter of credit here
我可以在这儿用这份信用证取钱吗
Could you tell me my balance
能否把存款结余金额告诉我
Please let me know my balance.
请告诉我结余金额。

I think you can draw on this account by cheque in payment of goods.
我以为你可用支票提款支付购物费用。

Your balance at the bank is 300 yuan.
你在本行的结余是300元。

Your deposit is exhausted.
你的存款支净了。

Your letter of credit is used up.
你的信用证用完了。

Please tell me how you wish to draw your money.
请告诉我你希望怎样支款。

Fill our a withdrawal form, please.
请填写取款单。

The letter of credit is exhausted.
信用证上的款子已提清。

The letter at Counter 6 will pay you against your number slip.
六号柜台的出纳员将根据你的号码牌付给你钱。

Useful Words and Phrases
to close an account, to clear an account 结清
to draw money 取款
drawing-out slip 取款单
the number slip 号码牌
a withdrawal form 取款单
to fill in the receipt in duplicate 一式两份填这张收据teller, cashier 出纳员
Please tell me how much you want to change.
请告诉我你要换多少。

How much of the remittance do you want to convert into Japanese yen
你要把多少汇款换成日圆
What kind of currency do you want
要哪种货币
What's it you wish to change
你有什么要换的
What kind of currency do you want to change
要换哪种货币
In what denominations
要什么面值的
Please tell me what note you want.
请告诉我要什么钞票。

Will seven tens be all right
7张10元的可以吗
Is it in traveler's cheques
换旅行支票吗
I'd like to know how I shall give it to you.
我想知道如何付钱给你。

How would you like it
你要什么面额的
Would you kindly sign the exchange form, giving your name and address
请在兑换单上签字，写出你的姓名和地址，好吗
Can you change me some money, please
能否请你给我兑换一些钱
Here it is, some French francs, Swiss francs, American dollars and a few Dutch guilders.
这些就是：一些法国法郎，瑞士法郎，美圆和一些荷兰盾。

Would you please give me seven five-pound notes, four pound notes and four ten-shilling notes, and the rest in small change.
请你给我7张5镑纸币，4张1镑纸币，4张10先令纸币，剩下的要零票。

Would you mind giving me the six pence in coppers
劳驾给我6便士的铜币。

I'd like to know if you could change this money back into U.S. dollars for me.
我想知道能否把这笔兑回成美圆。

Could you change these French francs for me
能给我兑换这些法国法郎吗
Can you give me 100 dollars in Swiss francs
能否给我100美圆的瑞士法郎
I'd like to convert the full amount of the remittance into U.S. dollars.
我想把全部汇款换成美圆。

I'd like some coins for this note.
我想把这张纸币换成硬币。

I'd like to break this 50 dollar note.
我想把这张50美圆纸币换开。

Five twenties and ten singles, please.
请给我5张20元和10张一元的。

I need 300 dollars in 100-dollar cheques.
我要300美圆票面为100美圆的支票。

I hope you'll give me ten traveler's cheques of 100 dollars each.
我希望给我10张面额为100美圆的旅行支票。

In fives, please.
请给我5元票面的。

Could you give me some small notes
给我一些小票好吗
Useful Words and Phrases
currency, money 货币
money changing 兑换货币
an exchange form 兑换单
bank note 钞票
note of large denomination 大票
note of small denomination 小票
small change 零钱
subsidiary money 辅币
nickel piece 镍币
plastic currency notes 塑料钞票
convertible money 可兑换（黄金）纸币
银行英语口语－储蓄存款利息
What's the interest rate for the savings account
储蓄存款的利率是多少
Do you pay interest on this account
这种存款付给利息吗
Please tell me what the annual interest rate is.
请告诉我年利率是多少。

Interest is paid at the rate of 1% per annum at present. 目前每年的利率是1%。

It allows you to earn a little interest on your money. 这可使你从存款中获得一点利息。

The account carries interest of 4%.
该存款有4%的利息。

The interest is added to your account every year.
每年的利息都加到你的存款中。

The interest rate for the savings account is 4%.
储蓄存款的利率是4%。

It varies from time to time. At present it is 6%.
（年息）每个时期都不同，现在是六厘。

Useful Words and Phrases
interest rate 利率
simple interest 单利
compound interest 复利
legal interest 法定利息
prime rate 优待利率
payable interest 应付利息
lending rate 贷款利率
usury 高利贷
the subsidy rate for value-preserved savings 保值储蓄补贴率银行英语口语－外汇率
Tell me the current rate for RMB, please.
请告诉我人民币的现价。

What's your selling rate for RMB yuan in notes today
你们今天人民币现钞的售价是多少
What's the dollar going for today
美圆今天的售价是多少
Our buying rate for notes is 523 yuan for 100 dollars.
我们100美圆的现钞买入价是523元。

It's 200 French francs at today's selling rate.
今天的卖出价是200法国法郎。

The buying rate of U.S. dollar notes is 460 yuan per hundred dollars.
美圆现钞买入价是100美圆付460元。

Useful Phrases
buying rate 买进价格
selling rate 卖出价格
And how much will it be in Japanese currency
换成日本币是多少
How much would I get for 300 Japanese yen
300日圆可兑换多少钱
I'd like to know the exchange rate for German marks.
我想知道德国马克的兑换率。

What rate are you giving
你们提供的兑换率是多少
What's the exchange rate today
今天的兑换率是多少
Please tell me what you would give me for my U.S. dollars. 请告诉我这些美圆可以兑换多少钱。

Please tell me the current rate for sterling.
请告诉我英国货币的现行兑换率。

If you'll wait a moment, I'll find out the rates of exchange.
请等一会儿，我查一下兑换率。

Please wait a moment. I'll find out the exchange rate between U.S. dollars and RMB.
请等一会儿，我查一下美圆对人民币的兑换率。

It's 470 yuan for 100 dollars.
100美圆可兑470元。

The exchange rate today is 200 yen to the pound.
今天的兑换率是一英镑可兑200日圆。

The rate for traveler's cheques is 300 yuan against 100 dollars.
旅行支票的兑换率是100美圆兑300元。

These dollars are worth 1,000 yuan.
这些美圆可换1000元。

Useful Phrases
exchange table, conversion table 汇兑换算表
foreign exchange 外汇
exchange rate 外汇率
conversion rate 折合率
foreign exchange restriction 外汇限额
foreign exchange quotations 外汇行情
to check the rate for sb. 查牌价。