Hello,I would like to... 你好，我想...

• open an account 开户

• deposit a cheque 存支票

• withdraw cash 提取现金

• exchange money 兑换货币

• take out a loan 抵充贷款

• ask about interest rates and bank charges 询问利率及银行手续费

• get a monthly statement and check my balance 获取月结单及查询余额

• I would like to open an account. 我想要开一个账户。

• How much will your opening deposit be? 您的开户存款额是多少呢？

• I have $200. 200澳币。

• 银行会根据不同的服务级别或特点来命名账户。一般而言，只要是涉及到许多日交易的账户就是current account（现金账户）

• I want to open an achiever account with my first pay check. 我想用我的第一张工资支票开一个账户。

• I gave notice for my 30-day account because I want to buy a car next month. 由于我下个月想买辆车，我已经通知银行取出30天账户的钱了。

• I love my call account because I can manage my money by calling the bank. 我喜欢我的电话账户，因为我通过电话联系银行就可以管理我的财产了。

• I placed my savings on fixed deposit to earn higher interest. 我存了定期账户以获取更高的利息。

• What is the Dollars/Yuan exchange rate? 美元对人民币的汇率是多少？

• How many Yuan would I receive for US$500? 我用500美元可以兑换到多少人民币？

• What commission do you charge to exchange currency? 你们将收取货币兑换多少手续费？

• I'd like to purchase travelers cheques. 我想购买你们的旅行支票

• 银行是通过收取服务手续费和征收利息来盈利的。你可能会问银行人员：

• What interest rates do you offer on saving accounts? 存款账户的利率是多少？

• Which investment account offers the best rate? 哪一项投资账户能取得最佳利率？

• 买房子申请home loan（住房贷款）还是mortgage bond（抵押债券）?

• 学生想要申请study loan（助学贷款）？

• 买车申请vehicle finance（汽车贷款）？

• 通过credit card（信用卡）能使用credit(信用）。当你的借记卡把钱从账户中拿出后，你之后可以使用信用卡。当你刷卡时，金额会立即debited（被记入到）你的账户中。

• overdraft（透支）是指你的账户里的debit balance（借方差额）：My account is overdrawn by $1000! I have to pay a lot of interest. 我的账户透支了1000美元！我不得不支付很多利息。

• ATM（Automated Teller Machine 自动提款机）可以让你在电脑端办理大多数的业务。

• 你可以插入你的借记卡，然后输入你的PIN（Personal Identification Number 密码），就可以提取现金了。

• 你可以完成银行转账并设置stop orders（停损单）或者debit orders（债务单）。

Safety deposit boxes are storage space for valuable items kept in an access-controlled room under tight security.安全保险箱是在受严格安全控制的房间里保存贵重物品的储物空间。

• A penny saved is a penny earned. 省钱就是赚钱。

• Save for a rainy day! 未雨绸缪！

• Look after the pennies and the pounds will look after themselves. 积少成多。