開設賬戶
最好是在有名的銀行中開帳戶。
it’s best to open an account
銀行會問你開賬戶的金額為多少
And how much would you like to open your account with?
每個銀行的開賬戶時的最小額度minimum sum不同
要咨詢一下匯率exchange rate和利率interest rate
英國的幾個比較有名的銀行有Barclays 和 Lloyds。
然而，得清楚很重要一點是留學生不能享受到提供給當地學生的設施。
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。
銀行有不同的政策，他們提供給你的服務是取決于你的個人情況，同樣也取決于銀行經理的自行處理。
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指的是文件總稱。
作為一個留學生，你需要提供證據證明自己能夠支付費用，直到課程結束
as an international student,you will need to provide evidence that you can fund/support yourself for however long your course lasts。
(拓展記憶：存款為funding)
除此之外，大多銀行要求你帶上你的護照和你的錄取通知書
In addition to this, most banks ask you to bring your passport and your letter or certificate of enrolment .，
或者帶著學校注冊信 letter of registration
其它證件：
護照大小照片 passport size photo
駕照 driver’s licence
出生證明 birth certificate
信用卡 credit card
借記卡 debit card
(拓展記憶：憑卡辦理存取款和消費結算，不能透支。Access to deposit,withdrawal, purchase, and payment, overdraft prohibited。)
雇主推薦 reference from your employer
賬單 bank statements
銀行會問你想多久收到一次賬單?
How often would you like to receive statements?
有些人喜歡一周一次
Some people like them weekly。
有些人喜歡一個月一次 once a month
拓展記憶：兩周一次once a fortnight
有些銀行會問一些信息來驗證你的身份，為了安全的原因。
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，這不太會被知道
It’s less likely to be known。
還會問：
職業 occupation/profession
出生日期 date of birth
全名 full name
名 first name 、given name
中間名字 middle name
姓 surname/family name/last name
過去地址 previous address
目前地址 present/current address
在目前地址居住時間 time at current address
每個人還應該帶著填有名字和地址的宣傳單
You should each have a handout with the names and addresses.。。
在開帳戶時，銀行會給你一本支票簿，你可以用它在需要時取錢。
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，你會同時需要一張支票保付卡
If you need to write cheques in shops, you’ll also need a cheque card 。
拓展記憶：旅行支票 traveler’s cheque
這是一種認證卡(身份證)，保證簽出的支票能符合銀行支票保付卡所對應能支付的額度
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。
如果你想提取現金你可以讓支票以你的名義支付或者兌現。
If you want to draw out cash for yourself you can make the cheque payable in your own name or ’to cash’。(兌現支票cash the cheque)
(拓展記憶：
§payable at sight見票即付
§payable on demand隨到隨付)
你可以用提款卡從取款機中提取現金
You can also withdraw cash from a cash point machine with a cashcard。
(提款機又叫做ATM=Automatic Teller Machine)
你也許想取出超過你銀行額度的錢，這叫做透支。
You may want to take more money out ot the bank than you have in it.This is called having an overdraft。
要當心，除非有銀行允許，否則不能這么做。
Be very careful with this--you should not do this without permission from your bank。
透支經常導致額外費用，雖然有些銀行提供給某些學生免利息透支
Overdrafts usually incur charges,though some banks offer interest-free overdrafts to some students。
對于銀行轉賬bank transfer ，
如果相互連接的銀行可以直接轉賬
If we have links with them, we can do a direct transfer。
對于開放時間opening times：
倫敦和其他主要城市中大一點的分行在周六開放時間有限制。
Some of the bigger branches in London and other major cities are now open for a limited time on Saturdays。
還可以申請其他銀行業務bank service：
貸款loan
保險insurance
低風險投資 low-risk investment
股票和基金 stocks and shares
(拓展記憶：儲蓄金 nest egg)
至今為止，最有用的帳戶是活期賬戶
by far the most useful type of account to open is a current account
你真正能拿到的帳戶是學生帳戶，其實它就是一個有特殊優惠的活期賬戶
you will actually get what is called a ’student account’ which is a current account with special concessions for students。
可能免手續費service charge
如果你出了經濟問題financial affairs，有了負債be in debt，如果你的信用卡被拒絕your credit card is declined，賬戶被凍結account is frozen
學校可能提供你助學金grants，或者幫助你得到低息貸款low-interest loan
其他重要的帳戶為儲蓄存款帳戶savings account,定期帳戶deposit account
聯名賬戶 joint account
(聯名賬戶持有者joint account holder)
