Unit 5 Banking

Unit 5 Banking
Unit 5
Banking
Seite 64
banking
bank clerk
[1bäNk9N]
[1bäNk kl2.k]
Bankwesen
Bankangestellte/r
bank statement
[1bäNk ste9tm4nt]
Kontoauszug
cash machine BE
[1käS m4Si.n]
Geldautomat, Bankomat
ATM AE
counter
[!e9 ti. 1em]
[1ka8nt4]
Geldautomat, Bankomat
Schalter
privacy barrier
[1pr9v4si bär94]
Absperrung zur Einhaltung des
Diskretionsabstands
money box
[1mcni bqks]
Spardose
savings book
savings account
[1se9v9Nz b8k]
[1se9v9Nz 4ka8nt]
Sparbuch
Sparkonto
bank account
[1bäNk 4ka8nt]
Bankkonto
expenses pl
[9k1spens9z]
Ausgaben, Aufwendungen
fraud
independence
opening hours pl
twenty-four/seven
[fr0.d]
[!9nd91pend4ns]
[148p4n9N a84z]
[twenti !f0. 1sevn]
Betrug
Unabhängigkeit
Öffnungszeiten
rund um die Uhr
wise(ly)
mattress
floorboard
to make sth work for sb
interest
[wa9z]
[1mätr4s]
[1fl0.b0.d]
[!me9k 1w3.k f4]
[19ntr4st]
klug
Matratze
(Holz-)Diele, Fußbodenbrett
etw für jdn arbeiten lassen
Zins(en)
by earning interest
[ba9 !3.n9N 19ntr4st]
durch Verzinsung
to come across sth
automated
credit transfer
benefits pl
pension
[!kcm 41krqs]
[10.t4me9t9d]
[1kred9t tränsf3.]
[1ben9f9ts]
[1penSn]
einer Sache begegnen
automatisch
Überweisung
Sozialleistungen
(Alters-)Pension
tax credit
building society
[1täks kred9t]
[1b9ld9N s4sa94ti]
Steuergutschrift
Bausparkasse
balance
[1bäl4ns]
Kontostand, Saldo
The bank clerk who helped me had only just
started working at the bank.
I’m getting confused with all my payments. I need
to get a bank statement to check them.
You don’t need to go inside the bank to get money.
You can withdraw it from a cash machine outside.
I had to go to the counter and ask the clerk for help
because the ATM was out of order.
© 2012 Cornelsen Verlag, Berlin und Veritas Verlag, Linz.
Seite 65
My father’s very sceptical about banks. He rather
saves his money in a money box at home.
Do you have a savings account? It’s useful if
you’re saving for a new car or house.
You should really open a bank account unless
you’re planning to save your money under your
pillow.
Our household expenses have doubled in the last
five years. We need much more money now.
Seite 66
to check your balance
den Kontostand prüfen
to lend money to sb
jmdm. Geld leihen
to borrow money from
sb
sich von jmdm. Geld ausborgen
credit
buffer zone
cashback
debit card
[1kred9t]
[1bcf4 z48n]
[1käSbäk]
[1deb9t k2.d]
Guthaben, Kredit
Pufferzone [???]
Abheben von Geld in Supermärkten etc.
Bankomatkarte
Seite 1 von 4
If you borrow money from a bank, you have to pay
back extra money. This is called interest.
He was able to increase his wealth just by earning
interest on the money he saved in his bank account.
The money you get when you go into retirement is
called your pension.
A building society is quite similar to a bank. It
allows people to save and lend money.
My balance shows me that I have 100 euros in my
account.
With your cash card, you can check your balance
and see how much money you have at your disposal.
The bank lends money to people who want to buy
a house but don’t have enough money at their own
disposal.
People borrow money from the bank if they want
to buy a house but don’t have enough money at
their own disposal.
With my debit card, I can withdraw cash directly
from my account whenever I need it.
Unit 5 Banking
to withdraw
[w9D1dr0.]
cash card
I withdrew money from the bank today. I took out
50 euros.
personal identification
number (PIN)
to authorise
Bankomatkarte (Karte zum
Geldabheben)
[!p3.s4nl a9!dent9f91ke9Sn Persönliche Identifikationsnummer
ncmb4]
(PIN)
[10.T4ra9z]
zulassen, genehmigen
credit check
[1kred9t tSek]
Bonitätsprüfung
credit history
to issue
[1kred9t h9stri]
[19Su.]
bisherige Verschuldung/Kredite
ausstellen, ausgeben
direct debit
[d4!rekt 1deb9t]
Abbuchungsauftrag
[1käS k2.d]
to nofiy sb in advance
© 2012 Cornelsen Verlag, Berlin und Veritas Verlag, Linz.
abheben
jmdn. im Voraus benachrichtigen
charge
reward
money laundering
overdraft
[tS2.d7]
[r91w0.d]
[!mcni 1l0.nd4r9N]
[148v4dr2.ft]
Gebühr
Belohnung, Entgelt
Geldwäsche
Überziehung(skredit)
facility
to charge sb sth
[f41s9l4ti]
[tS2.d7]
Einrichtung, Instrument
jdm etw berechnen, etw von jdm
verlangen
standing order
[!ständ9N 10.d4]
Dauerauftrag
to set sth out
undischarged bankrupt
[!set 1a8t]
[cnd9s!tS2.d7d
1bäNkrcpt]
etw festlegen
nicht rehabilitierter
Konkursschuldner
current account
to transfer (money)
[1kcr4nt 4ka8nt]
[träns1f3.]
Girokonto
(Geld) überweisen
to credit to an account
[!kred9t tu 4n 41ka8nt]
einem Konto gutschreiben
in credit
[9n 1kred9t]
im Plus
any time
[!eni 1ta9m]
jederzeit
to insert
[9n1s3.t]
einstecken, einschieben
cash dispenser card
to take sth into account
savings
World Savings Day
free gift
[1käS d9spens4 k2.d]
[!te9k 9ntu 41ka8nt]
[1se9v9Nz]
[!w3.ld 1se9v9Nz d49]
[!fri. 1g9ft]
Bankomatkarte
etw berücksichtigen
Ersparnisse
Weltspartag
Werbegeschenk
to give out
[!g9v 1a8t]
verteilen
to close an account
[!kl48z 4n 41ka8nt]
ein Konto auflösen
exchange rate
[9ks1tSe9nd7 re9t]
Wechselkurs
loan application form
to change money
[!l48n äpl91ke9Sn f0.m]
[!tSe9nd7 1mcni]
Kreditansuchen
Geld wechseln, umtauschen
to cash a traveller’s
cheque
[!käS 4 1träv4l4z tSek]
einen Reisescheck einlösen
Always keep your PIN secret!
All payments must be authorised before the
amount is debited from the account.
We always carry out credit checks before we offer
a contract to our customers.
My cash card was issued to me by my bank when I
opened my account.
I pay my rent by direct debit. The money comes
out of my account automatically every month.
We have to notify our customers in advance if we
want to make any changes to their direct debit.
I’ve spent more money than I actually had on my
bank account this month. I’ve got a 100 £ overdraft
at the moment.
When you borrow money from a bank, you have to
repay more than you have actually received. This is
because they charge you interest.
Seite 67
My bank transfers my rent automatically every
month. I’ve got a standing order.
Seite 68
If you give me your bank details, I can just transfer
the money I owe you to your bank account.
The money’s been credited to my account. It’s
now in my bank.
My bank account is in credit. I haven’t got any
debts.
You can call me any time – morning, afternoon or
night.
Please insert your cash card and press “OK“ to
continue.
You get a free gift when you open an account. They
give you a walkman.
She was giving out leaflets to people on the street.
Seite 69
Seite 2 von 4
I closed my account and took all my money from
the bank.
The exchange rate at the moment is 0.68 euros to
the pound.
He was asked to fill in a loan application form.
We’re going to England so we need to change our
money from Euros to British pounds.
If you want to cash a traveller’s cheque, you have
to date and sign it first and then hand it to the payee.
Unit 5 Banking
to make a deposit
[!me9k 4 d91pqz9t]
(Geld) einzahlen
to make a withdrawal
[!me9k 4 w9D1dr0.4l]
(Geld) abheben
ID card
proof of identity
denomination
[!a9 1di. k2.d]
[!pru.f 4v a91dent4ti]
[d9!nqm91ne9Sn]
Personalausweis
Identitätsnachweis
Stückelung, Nennwert
lobby bank
[1lqbi bäNk]
Selbstbedienungsabteil im Foyer
einer Bank
out of order
to work sth out
[!a8t 4v 10.d4]
[!w3.k 1a8t]
außer Betrieb
etw ausrechnen
[41pla9 f4]
etw beantragen
to be faced with sth
[bi 1fe9st w9D]
mit etw konfrontiert sein
competition
financial services pl
[!kqmp41t9Sn]
[fa9!nänSl 1s3.v9s9z]
Konkurrenz
Finanzdienste
retail chain
[!ri.te9l 1tSe9n]
Einzelhandelskette
piggy bank
in the long run
high street
[1p9gi bäNk]
[9n D4 !lqN 1rcn]
[1ha9 stri.t]
Sparschwein
langfristig, auf lange Sicht
Hauptgeschäftsstraße
short-term
[!S0.t1t3.m]
kurzfristig, Kurzzeit-
long-term
[!lqN1t3.m]
langfristig, Langzeit-
insurance
under one roof
user-friendly
[9n1S84r4ns]
[cnd4 !wcn 1ru.f]
[!ju.z41frendli]
Versicherung
unter einem Dach
benutzerfreundlich
the recent past
endowment
to harm sb
[D4 !ri.snt 1p2.st]
[9n1da8m4nt]
[h2.m]
die jüngere Vergangenheit
finanzielle Ausstattung
jdm schaden
to relieve oneself of sth
to advise sb sth
to spend excessively
[r91li.v]
[4d1va9z]
[!spend 9k1ses9vli]
sich von etw befreien
jdm etw raten
zu viel Geld ausgeben
[Tred]
Faden
to log onto a website
receiver
bank code
[lqg !qntu 4 1websa9t]
[r91si.v4]
[1bäNk k48d]
sich bei einer Website einloggen
Empfänger
Bankleitzahl
transaction
[trän1zäkSn]
(Geschäfts-)Vorgang
attempt
[41tempt]
Versuch
call centre agent
[1k0.l sent4r 49d74nt]
approval
[41pru.vl]
TelefonberaterIn, telefonischer
Kundendienst
Genehmigung, Erlaubnis
I made a deposit of 100 euros. I’m saving this
money for my new car.
I made a withdrawal of 50 euros. I took the
money out so I could buy some new clothes.
In Germany you must always carry your ID card.
I forgot to ask for notes of various denominations
when exchanging euros for dollars. I only had 100dollar bills.
At the lobby bank you can withdraw money from
your bank account yourself without the help of a
bank clerk.
Seite 70
to apply for sth
© 2012 Cornelsen Verlag, Berlin und Veritas Verlag, Linz.
Seite 71
He’s faced with a lot of difficulties. He’s got a lot
of problems.
There’s a range of financial services available, for
example current accounts, credit cards and loans.
H&M is a very successful retail chain that sells
clothes in many countries.
I only buy clothes from high street shops, not
designer ones.
It’s only a short-term solution. I won’t be living
here for long.
She’s got a new long-term job. She’ll be working
for the company for years.
It’s very user-friendly. It’s very easy to use.
Seite 72
Your financial history may harm your chances of
getting a credit card.
Seite 73
thread
Seite 73 Transkript
I need your account number and bank code.
Otherwise I can’t transfer the money to you.
Seite 73
You’ve only got three attempts to enter your PIN
correctly.
Seite 3 von 4
Unit 5 Banking
Seite 74
to donate
[d481ne9t]
spenden
developing nation
to enjoy oneself
[d91vel4p9N 1ne9Sn]
[9n1d709 wcnself]
Entwicklungsland
sich gut amüsieren
to live life to the full
[l9v !la9f t4 D4 1f8l]
das Leben in vollen Zügen genießen
to gain
purse
to meet an expense
[ge9n]
[p3.s]
[!mi.t 4n 9k1spens]
gewinnen, verdienen
Portemonnaie
Aufwendungen/Kosten tragen
advisor
to accompany
[4d1va9z4]
[41kcmp4ni]
BeraterIn
begleiten
to involve
shortly
[9n1vqlv]
[1S0.tli]
mit sich bringen, beinhalten
kurz, in Kürze
nine o'clock sharp
routine situation
[!na9n 4klqk 1S2.p]
[ru.1ti.n s9tSue9Sn]
um Punkt neun Uhr
Routineangelegenheit
Every month he donates 10% of his earnings to
charity projects.
There are many developing nations in Africa.
I really enjoyed myself at the party. It was a lot of
fun.
You only live once, so make sure you live life to
the full!
Seite 75
© 2012 Cornelsen Verlag, Berlin und Veritas Verlag, Linz.
She asked us to accompany her to the station, so
we went with her on the bus.
Seite 4 von 4
He’ll be here shortly. It will only be five more
minutes.