Financial interest services
A bank is a place that works with money. If you want to save your money you can ______________ (1) it in a bank accountand get ______________ (2) for it. If you want to buy a house or a new car a bank offers you a loan that you can pay back within months or years. Banks also give businesses the money they need to grow and expand.
Today's banks offer their customers a large range of ______________ (3). They operate ATMs where you can ______________ (4) money, even if the bank is closed. A credit card is a piece of plastic that allows you to buy things all over the world. Most banks give you ______________ (5) on how to get the most out of your savings. They deal with ______________ (6) and bonds, some of them even offer insurance policies.
There are different types of banks. ______________ (7) banks are among the most important. Everyone can open an account or borrow money from them. Investment banks normally do not work with money from ______________ (8). They help organizations and large businesses ______________ (9) money on the international ______________ (9) markets.
5 Get ready to speak on the topic Banks and Banking.
Learn the following words and expressions.
(перевод слов с английского языка на русский, например banking – банковское дело и т .д.)
General words relating to banking
| No | Word | Translation | Example |
| 1. | a/c | счет | account |
| 2. | APR | годовая процентная ставка | annual percentage rate: the percentage that a bank makes you pay in interest when you borrow money from it, calculated over a period of one year |
| 3. | bank balance | сальдо банковского счета | the amount of money you have in your bank account |
| 4. | bank draft | тратта, выставленная банком на другой банк | an order to pay someone that is sent from one bank to another bank, usually in a different country |
| 5. | banker’s order | платежное поручение банка | a standing order |
| 6. | banking | банковское дело | the work done by banks and other financial institutions |
| 7. | bank rate | процентная ставка банка | the rate of interest that banks use to calculate how much interest to charge on money they lend to each other rather than to their customers |
| 8. | bank statement | публикация о состоянии счетов банка, баланс банка (на определённую дату) | a document that shows all the money that went into or out of your bank account during a particular period of time |
| 9. | base rate | тарифная оплата | the rate of interest that banks use to calculate how much interest to charge on money they lend to their customers |
| 10. | borrower | заёмщик; берущий взаймы | someone who borrows money from a bank |
| 11. | cardholder | владелец кредитной карточки | someone who owns a credit card or debit card for buying things with |
| 12. | cashback | "кэшбэк" (система стимулирования покупателя за счёт возврата ему части денег, потраченных в магазине) | money from your bank account that you can get from a shop when you pay for goods with a debit card |
| 13. | collateral | гарантия, поручительство (финансовое) | property that you agree to give to a bank if you fail to pay back money that you have borrowed |
| 14. | commission | комиссионное вознаграждение, комиссия | an extra amount of money that you have to pay to a bank or other organization when they provide a service for you |
| 15. | credit | кредит ,долг | an arrangement to receive goods from a shop or money from a bank and pay for it later |
| 16. | credit limit | кредитный лимит | the maximum amount of money that a customer can borrow using a particular credit card account |
| 17. | credit rating | оценка кредитоспособности | financial information about someone that a bank or shop uses for deciding whether to lend them money or to give them credit |
| 18. | credit transfer | кредитный перевод | a payment made directly from one bank account to another |
| 19. | debit | дебет | an amount of money taken from a bank account |
| 20. | deposit | депозит, депозитный вклад (в банке) | an amount of money that you pay into a bank account |
| 21. | depositor | вкладчик | someone who pays money into a bank |
| 22. | direct debit | прямой дебет | an order to a bank to regularly pay money from your account to a person or organization |
| 23. | direct deposit | прямой депозитный вклад (в банке) | an arrangement in which your salary is always put directly into your bank account |
| 24. | discount rate | учётная ставка, учётный процент; | the rate of interest that a central bank charges another bank that borrows from it |
| 25. | draft | чек, счёт, тратта, платёжное поручение | a bank draft |
| 26. | interest | процент | money that a person or institution such as a bank charges you for lending you money |
| 27. | interest | процент, доход | money that you receive from an institution such as a bank when you keep money in an account there |
| 28. | interest rate | процентная ставка | the percentage that an institution such as a bank charges or pays you in interest when you borrow money from it or keep money in an account |
| 29. | Internet banking | банковское обслуживание через интернет | a system that allows you to use the Internet to communicate with your bank, check your account, pay bills etc |
| 30. | lending rate | ссудный процент | a percentage that a bank charges a customer who borrows money |
| 31. | mortgage | заклад; ипотека | a legal agreement in which you borrow money from a bank in order to buy a house. You pay back your mortgage by making monthly payments |
| 32. | night safe | ночной сейф (для сдачи денег в банк без участия персонала) | a metal container in the wall of a bank that you can put money into when the bank is closed |
| 33. | online banking | банковское обслуживание через интернет | a system that allows you to communicate with your bank on the Internet |
| 34. | overdraft | овердрафт | an agreement with your bank that allows you to spend money when you have no money left in your account |
| 35. | overdraft | перерасход остатка денег в банке | the amount of money that someone owes their bank because they have used this agreement |
| 36. | paying-in slip | бланк, заполняемый при взносе суммы на текущий счет | a piece of paper on which you write information when you put money into a bank account |
| 37. | saver | вкладчик | someone who regularly puts money in a bank |
| 38. | savings | сбережения | money that you have saved in a bank or invested so that you can use it later |
| 39. | statement | отчёт; баланс | an official document that lists the amounts of money that have been put in or taken out of a bank account |
| 40. | unsecured | необеспеченный | an unsecured loan is money that a bank lends someone without making them promise to give property to the bank if they cannot pay the money back |
| 41. | vault | хранилище, сейф | a strongly protected room in a bank where money, gold etc is kept |
| 42. | withdrawal | снятие, изъятие | the process of taking an amount of money out of your bank account, or the amount of money that you take out |
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