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  • Hi, everyone. I'm Alex. Thanks for clicking, and welcome to this lesson on "Bank Vocabulary".

    嗨大家好,我是Alex。感謝你點擊,並且歡迎來到今天有關「銀行字彙」的課程

  • Today, we're going to talk about going to the bank, and the different things you can

    今天,我們要來談論前往銀行,你可以在那邊進行許多不同的

  • do, and the different verbs associated and nouns associated with this very common experience.

    事情,以及與這件事情相關的不同的複合動詞和複合名詞

  • So, first, when you enter the bank, you have to "get in line" or "get in the queue". Now,

    所以,首先,當你進入一家銀行,你會需要「排隊」。現在

  • specifically, in the United States, even in Canada, we use the word "line" when you're

    特別是,在美國,甚至在加拿大,我們會使用"line"這個字

  • waiting to see someone at the bank. If you are in other parts of the world, specifically

    形容你在等待著會見某位銀行裡的人。若你在世界上的其他地方,特別是

  • England, you can also call a line a "queue", so you get in the queue or get in line.

    英格蘭,你也可以把line換成"queue",所以你會說get in the queue或get in line

  • Next, once it's your turn to, you know, do your business at the bank, you see a

    接著,一旦輪到你,你知道,也就是要來銀行辦的事情,你會見到

  • "bank teller". So, the name of the person who helps you at the bank is the teller. And after you

    一會「銀行櫃員」。所以,在銀行裡服務你的那個人就叫做櫃員。且在你

  • see the bank teller, if you already have an account with the bank, you have to use your

    見到銀行櫃員之後,你若準備要在銀行開個戶頭,你將必須使用

  • bank card and put in your "PIN". Your "PIN" is your personal identification number, your

    銀行的提款卡和輸入你的"PIN"碼。你的"PIN"碼就是你的個人識別碼,你的

  • code, your password. Right?

    編碼,你的密碼啦。了解嗎?

  • Now, once this is done, you're ready, the bank teller can see your account. Or maybe

    現在,一旦完成了這個,你就算是準備好了,銀行櫃員能夠看見你的帳戶。或是

  • it's your first time and you didn't put in a PIN, there are different things you can

    這可能是你第一次來銀行,而你並沒有輸入個人識別碼的話,也有別的事情是當你在銀行裡

  • do and ask for when you're at the bank. Number one, you can say:

    能夠辦理且詢問的。第一個是,你可以說:

  • "Hi. I'd like to open an account", or "close an account".

    「嗨,我想要開戶」或者「關掉一個戶頭」

  • Now, again the two most common types of accounts at a

    現在,一樣在銀行中兩個最常見的帳戶類型

  • bank are a checking account and a savings account. So your checking is your everyday

    是支票帳戶和儲蓄帳戶。你每天使用的花費就是從

  • spending. This is what you use your debit card for. Right? So, I'm just going to put

    支票帳戶而來的。這是你的金融簽帳卡的資金來源。明白嗎?所以,我接下來要在

  • "debit card" here.

    這裡寫上「金融簽帳卡」

  • Your debit card is your bank card, and this is what you use to make

    你的金融簽帳卡就是你的銀行金融卡,這是你用來

  • payments when you go out to restaurants, movie theaters, etc.

    付大部分日常花費的戶頭,如去餐廳吃飯,看電影,諸如此類的

  • Okay, you can also transfer money when you are at the bank. So if you'd like to move

    好,你也能夠在銀行轉帳。所以當你要從你的支票帳戶

  • some money from your checking account, for example, to one of your other accounts, such

    轉一些錢出去,舉例來說,轉到你其他的帳戶當中,比如說

  • as a savings account or maybe a joint account that you have with your partner, husband,

    一個儲蓄帳戶或也許是一個與夥伴一同設立的聯合帳戶,可以是丈夫

  • wife, etc., you can ask to do that. You can say:

    妻子,等等。你可以要求辦理這項業務。你可以說:

  • "Hi. I'd like to transfer $200 from my checking account to my savings account."

    「嗨,我想要從我的支票帳戶轉200元到我的儲蓄帳戶。」

  • And again, this is if you don't do online banking,

    而再次地,這是在你不使用網路銀行服務的前提下才會發生

  • which solves a lot of these issues.

    在那上面能夠解決大部分上述的問題

  • Now, instead of transferring money, you can also "deposit" money or "make a deposit".

    現在,除了轉帳外,你同時也能「存款」或者「把錢存進銀行」

  • This means you are putting money into your accounts. So if you, you know, receive a check

    這代表你把錢放進你的帳戶中。所以你若,你知道的,從政府那收到一張支票

  • from the government, for example, or maybe your workplace still gives checks (it still

    舉例來說,或也許你工作的地方仍在用支票發薪水(這仍

  • happens, it does), you can deposit that check. And "deposit it" means put that money into

    在發生,真的)你能把那張支票存進去。而「把它存進去」代表那些前會

  • your account. You can "withdraw". Now, "to withdraw" is to take out money. So, these

    跑進你的帳戶裡。你能夠「提領」。現在,「去提領」就是把錢拿出來。所以

  • two are really the most common verbs when you're talking about exchanging money with

    這兩個是當你談論到跟銀行往來時最常會聽見的兩個字

  • the bank, whether you're in the bank or at an ATM machine. So you deposit, which means

    不論你是在銀行或在一台ATM前。你存款,代表

  • you put money in; withdraw means you take money out. So you can withdraw or take out

    把錢放進戶頭 ; 提款代表你把錢拿出來。所以你能夠提款或者拿出

  • money. And the term we can also use is you can make a "withdrawal". And you'll see the

    錢。也可以用"withdrawal"這個字。而你在這看見

  • "al" here, this means that, again, this is a noun in this case. The verb, there's no

    "al",代表是名詞的形式,動詞在結尾就沒有

  • "al" at the end; it's just "withdraw". Withdraw money.

    "al" ; 就只是"withdraw"。提出錢來

  • You can "pay a bill". So, again, bills are our favourite things in the world, like pay

    你可以拿來「付帳單」。所以,再一次,帳單是我們在這世界上最愛的東西,像是

  • for your electricity at your house, or your television, internet, etc. Now, again, this

    家裡的電費,或電視、網路費等等。現在,還有,這

  • doesn't only have to be for those common things, because most people today, you have an automatic

    能夠付這些稀鬆平常的帳單,因為現今大多數人,在付帳的時候都會有一個能夠幫助你

  • withdraw happens when you pay for a bill. But again, sometimes you get something where

    進行自動扣款的功能。但還是要說,有時候你會拿到

  • you have to go to the bank to pay the bill. If you get something from the Ministry of

    一種必須前往銀行才能繳費的帳單。你若是從交通部或

  • Transportation or something from the government, and it's unclear what you have to do to pay

    某些政府部門拿到帳單,而並沒有說明該怎麼去在

  • something online, you can go to the bank and you can pay that bill.

    網路上付費的話,你就可以前往銀行辦理付款

  • Also, you can "exchange currency". So if you are travelling somewhere and you only have

    同樣地,你能夠「換匯」。所以當你在某處旅行而你只有自己

  • money from your country, you can change that money. And again, the name for "money" in

    國家的貨幣時,你就可以換匯。但一樣地,在這個例子中

  • this case is "currency", like the dollar is one type of currency, the yen is another type

    錢指的就是「貨幣」,像美元就是一種貨幣,日元則是另一種

  • of currency. And you can ask the bank: "What's your rate?" because different places, exchange

    貨幣。而你可以要求銀行告訴你:「匯率是多少?」因為在不同的地方,換匯的

  • offices, banks, will have different rates for your currency. So, for example, the bank

    地方、銀行,對你想換得貨幣有不同的匯率。所以,舉例來說,銀行

  • might say, if I'm travelling from Canada to the United States, they might say:

    可能會說,如果我從加拿大到美國旅行的話,他們可能會說:

  • "95 cents per dollar." Okay? So for every dollar that I have Canadian, I receive 95 cents American.

    「一加幣換95分美元」了解嗎?所以你每換一塊加幣,就得到95分的美元

  • Also, you can get everyone's favourite thing, which is a "credit card". So you can get a

    同樣地,你能夠取得每個人都喜歡的東西,也就是「信用卡」。你可以在銀行

  • credit card from the bank. You can say: "I'd like to get a credit card",

    辦張信用卡。你可以說:「我想要辦張信用卡」

  • or "open a credit account".

    或「開一個信用帳戶」

  • If there are more specific things that a teller can't help you with, you need to see a specialist

    如果有某些特定的事項是櫃員沒辦法幫助你的,你就需要一個銀行的專員

  • at the bank about certain things, these are three very common things that people talk

    來幫你辦理特定的事,有三件非常普通的事務

  • about at the... At the bank or ask to see someone at the bank for. You can say:

    常常被掛在嘴邊...在銀行或詢問銀行裡的某個人。你可以這樣說:

  • "I'd like to talk to someone, talk to someone about a mortgage."

    「我想要跟某人談談,關於貸款的事。」

  • Now, a "mortgage" is what you

    現在,「貸款」是當你

  • have when you purchase a house. When you buy a home, you also get a mortgage. And, again,

    要買間房子。你要買一個加,也需要貸款。而,同時

  • this means the money that you have to pay for your house, this is your mortgage. You

    也就是說那筆要付你房子的錢,就是貸款。你

  • can talk to someone about "investments". So, again, these are ways to make more money,

    也能跟某人談論「投資」。這邊有某些方式來賺更多的錢

  • or mutual funds is one example where you give money to the bank, and someone puts that money

    或者舉例來說投資共同基金,就是你把錢給銀行,然後某人把錢

  • somewhere, and you hope that they make you more money for you. And, finally:

    轉投資,你期望他們會幫你賺錢。而最後:

  • "I'd like to talk to someone about retirement savings." "Retirement" means that you're not going to

    「我想要找人談談退休儲蓄」「退休」的意思是你不再

  • work anymore. In many countries, the retirement age is different, it's 65, or 67, or 68, or 60.

    工作了。每個國家的退休時間都不同,有的是65,或者67歲,或68,又或者是60

  • But if you'd like to save for the time when you are no longer working, you can ask

    但是你若想要存錢退休,你可以問

  • to speak to someone about retirement savings.

    銀行裡的人關於退休儲蓄的資訊

  • Whew, that's a lot of information. Just to quickly review, when you go to the bank, you

    呼~真是一大堆資訊呀。很快地來回顧,當你去到銀行,你

  • get in the line/get in the queue. You see the bank teller, put in your PIN. You can

    排隊進去。你會看見銀行櫃員,輸入你的個人辨識碼。你可以

  • ask and say: "I'd like to open an account.", "I'd like to close an account.",

    問說:「我想要開戶」,「我想要關掉帳戶」

  • "I'd like to open a checking account", or "a savings account",

    「我想要開一個支票帳戶」或者「一個儲蓄帳戶」

  • "I'd like to transfer money or funds.",

    「我想要轉帳或者調度資金」

  • "I'd like to deposit something", "make a deposit", "withdraw", "take out money",

    「我想要存入某物」、「存款」、「提款」、「提出錢」

  • "pay a bill", "exchange currency", "get a credit card",

    「繳費」、「換匯」、「辦信用卡」

  • or talk to someone about a mortgage, investments,

    或者要談貸款、投資

  • or retirement savings.

    或退休儲蓄等

  • So, again, this is a very common experience, which is why these words, this type of vocabulary

    所以,這是很稀鬆平常的經驗,也就是今天教的這些字,是那種

  • is really key if you are going to be in anywhere where you are speaking to someone in English

    你去到任何一個講英語的國家裡頭的

  • at the bank. If you'd like to test your understanding of this material, as always,

    銀行都會用到的。你如果想要測試自己對今天的內容了解了多少,一如往常

  • you can do the quiz on www.engvid.com. And don't...

    請到www.engvid.com上練習小測驗。且不要

  • Don't forget to subscribe to my YouTube channel.

    不要忘記訂閱我的YouTube頻道

  • See you, guys.

    再會囉

Hi, everyone. I'm Alex. Thanks for clicking, and welcome to this lesson on "Bank Vocabulary".

嗨大家好,我是Alex。感謝你點擊,並且歡迎來到今天有關「銀行字彙」的課程

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