今天的这段对话，在讨论银行，
怎么用ATM卡？你最常使用银行提供的哪项服务
来听今天的讲解:
Beginner
A: how do you use an ATM card, billy?
比利，你怎么用ATM卡？
B: it’s easy grandpa. Insert you card into the machine here. Then wait a moment. Ok. Now you enter your PIN. It should have four numbers.
很简单，爷爷。把你的卡插入机器。然后等一下。好的。现在你输入你的PIN。它应该有四个数字。
A: oh yes. I’ve got it written down here. Just a minute.
哦，是的。我把它写在这里了。等一下。
B: you really shouldn’t write it down. You should memorise it. You can change it to a more convenient number if you like.
你真的不应该把它写下来。你应该记住它。如果你愿意，你可以把它改成一个更方便的数字。
A: ok, I’ve entered my PIN. There are several options on the screen. I guess I just choose which service I want, don’t I ？
好的，我已经输入了我的PIN。屏幕上有几个选项。我想我只是选择我想要的服务，不是吗
B: Yes. Choose the service you need to use. If you choose to withdraw money, the machine will ask you how much you want.
是的。选择你需要使用的服务。如果你选择取款，机器会问你想要多少钱。
A: I can just enter the amount using the key, right?
我可以用键输入金额，对吧？
B: that’s right. Give the machine a moment to process you request. Then take your money.
没错。给机器一点时间来处理你的请求。然后拿走你的钱。
A: these machines aren’t very difficult to use. In fact, I quite like them. They are much faster than dealing with a band clerk.
这些机器不是很难用。事实上，我很喜欢它们。它们比对付乐队职员快得多。
Intermediate
A: which service offered by your bank do you use most?
你最常使用银行提供的哪项服务？
B: I use several services. Of course, I deposit and withdraw money quite often. I often use my ATM card to take money out of my current account. I use my bank to exchange money form once currency to another. I often travel abroad, you see.
我使用多种服务。当然，我经常存取钱。我经常用ATM卡从我的活期账户中取出钱。我用银行把钱从一种货币兑换成另一种货币。你看，我经常出国旅行。
A: do you ever ask you bank for traveller’s cheques? They are much safer than carrying lots of cash around.
你有没有向银行要过旅行支票？他们比随身携带大量现金要安全得多。
B: I sometimes use traveller’s cheques, but sometimes I travel to countries where they are hard to exchange for cash.
我有时用旅行支票，但有时我会去那些很难兑换现金的国家。
A: do you use your bank to pay your utility bills? I use direct debit.
你用银行支付水电费吗？我使用直接借记。
B: yes, I do. It save me a lot of time. I also have standing orders for my subscriptions to magazines.
是的，我有。这节省了我很多时间。我订阅杂志也有长期订单。
A: that’s good idea. You don’t need to worry about missing an issue of a magazine if you do that. I suppose you have a mortgage too.
这是个好主意。如果你这样做的话，你不必担心错过一期杂志。我想你也有抵押贷款。
B: yes. My bank offers very good terms and conditions on mortgage. There’s a lot of competition between banks nowadays. Each one is trying to offer better conditions and services than the others.
是的。我的银行提供非常好的抵押贷款条款和条件。现在银行之间有很多竞争。每家银行都试图提供比其他银行更好的条件和服务。
A: I have a deposit account with my bank. There are some restrictions on withdrawing money, but the interest rate is much higher.
我在银行有一个存款账户。提款有一些限制，但利率要高得多。
B: I don’t have one. I prefer to buy shares. My bank also provides a share trading service. It’s cheap and easy to use.
我没有。我更喜欢买股票。我的银行还提供股票交易服务。它既便宜又容易使用。
A: that’s great. But I prefer to put my money somewhere where the returns are more certain.
那太好了。但我更喜欢把钱放在回报更确定的地方。
