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Текст № 1

TODAY’S BANK SERVICES

For most people the first banking service they take up is a cheque account.

The cheque account provides:

· a safe place for money

· a quick and simple way to withdraw cash for your everyday needs

· a convenient way to make all the payments you need to other people or other organisations

With your cheque account comes your cheque book – and also (by arrangement) your cash dispenser card and your Cheque guarantee card.

Bank cards

“Plastic cards” available to bank customers include cheque guarantee card, credit cards and debit cards – all of which can help you pay for goods and services without carrying cash. This is an area which is rapidly developing and new products are always coming onto the market.

Savings for future

The banks offer a wide range of savings accounts. The interest paid varies according to the amount of savings in the account and the length of notice required for withdrawal. Generally, the more you save, the higher the interest rate is.

With some savings accounts you can combine the convenience of a cheque book, with interest, as long as you keep a certain balance in the account.

Credit cards

Used wisely, credit cards are a convenient way of making purchases at the point-of-sale, while paying for them later. They are not a recommended way of borrowing money since the interest charged is relatively high.

Loans

For large purchases, or for when you want to spread the cost over a long period of time, a personal loan could be more suitable. Sometimes you can arrange a shorter term overdraft with bank. Loans can also be arranged for specific needs – such as a home improvement loan. And of course the largest most important loan of all – for most of us – is the mortgage – a loan to buy a home over a period of perhaps 25 years.

Nowadays more and more people are going abroad – whether for business or holiday. The banks provide a service here through supplying foreign currency, travellers cheques and eurocheques, together with advice on your trip.

Текст № 2

NATIONAL BANK – THE BANK ALWAYS AT YOUR SERVICE

Current accounts

· What is a current account?

The current account is an account for everyone. It is an account for receiving money from other people: wage-earners can have their wages paid into the account and businessmen can receive money from their customers.

The current account is an account for paying your bills rent, subscriptions and other expenses. It’s the account with our cheque service. If you want to pay money to someone you just write a cheque or send us a credit transfer.

The current account is an account for keeping your money safe. If you keep money in your current account you can go shopping without having to carry cash around with you. When you want to make a payment you simply fill in the amount on a cheque and hand it, together with your cheque card, to the cashier in the shop.

· How do you know what’s in your account?

We’ll send you regular statements telling you exactly what has been debited or credited to your account.

· What are the other advantages?

As a current account holder you can make use of all our other banking services. You can send money abroad, buy and sell stock and shares place standing orders or authorise direct debits. You will be welcome to apply for an overdraft or other loan facilities. We’ll always be around to help you in all money matters.

· How much does it cost?

There will be a small basic charge every entry month and an even smaller additional charge for every entry. The charges are debited once a quarter and will appear on your bank statement. We are sure you’ll soon find out that your current account saves you a lot more money that it costs.

Savings accounts

· What is a savings account?

The savings account is an account for money that you do not need for day-to-day expenses. You can open a savings account with as little as 5.00 DM. Whenever you want to save a sum of money you just go to the bank and pay it in.

Every private customer should have a savings account as a basis for major investments or to cope with unexpected expenses. Many parents open savings accounts for their children.

If you need money you can withdraw up to 2,000 DM in any 30 days without having to give notice. If you need more than 2,000 DM you have to give three month’s notice or you will lose interest.

· How do you know what’s in your account?

When you open your savings account you receive a passbook or savings book. Every deposit and withdrawal is entered in it. So you always have a complete written record of everything that happens to your account. The interest that your money earns is also recorded.

· What are the advantages?

Any money put into your savings account begins earning interest from the day we receive it. The interest rate may vary from time to time according to the long-term money market rate, but we aim to keep it as high and as constant as possible.

You can pay money into your savings account at any branch of the national Bank throughout the country. And you can withdraw up to 2,000 DM on demand at any National Bank branch, as long as you bring your passbook.

· How much does it cost?

Savings accounts are free of charge. We think this makes them even more profitable for you.

· Anything else to think about?

You can earn a higher rate of interest if you arrange for special periods of notice, e.g. one, two or four years.

As a current account holder you can place a standing order with us for regular transfers to your savings account. You can even tell us to transfer on a certain day of each month all the money that is left in your current account on that day.

Текст № 3

CREDIT CARDS

Credit cards are issued by credit card companies working closely with all the main banks. When a credit card company lets you have a credit card it assumes that you are a responsible person who will be able to afford the purchases you make using the card.

Every credit card holder is given a credit limit. You can’t owe more than this figure at any time.

Each bank does not actually run its own credit card scheme. Instead, separate credit card operations – such as Access and Visa – have been set up by the banks working together. The two worldwide schemes are Mastercard and Visa.

Your bank is probably linked to one of these credit card companies. So your credit card may have Visa on it – with the name of your bank also appearing.

A credit card enables you to purchase goods or services immediately (shop, restaurant, garage, etc.) without using cash or a cheque. The main purpose of credit cards is convenience in paying for something.

The supplier of these goods and services must belong to one of the credit card schemes. There are over 250,000 which do - displaying a sign for the particular schemes to which they belong.

 

 

Each supplier has a limit for credit card purchases. Beyond this amount, it will have to check with the credit card company by phone before accepting your credit card – a protection against fraud. Each time you use a credit card, you sign a sales voucher made up of three copies:

you are given one copy for your records

another copy is kept by the supplier

the third copy is paid into the supplier’s bank account - and from there it goes to the credit card company’s head office.

The credit card company will send you a statement of what you owe every month. You should check each voucher you have kept with the figure on the statement.

The statement will clearly show the date on which you should pay in full the amount you owe if you are avoid paying interest. So in effect you can get free credit for the period running from the date of your purchase to the date when the statement says your payment should be received.

If you don’t pay in full by the date indicated you will be charged interest. So, to avoid paying interest, you will have to repay the full amount each month. In any case you will have to pay back a minimum amount each month and this amount is indicated on your statement.

For example: If you use your credit card the day after your statement date, you would have more than 50 days’ free credit before paying.

Текст № 4

EUROCHEQUES

Eurocheque – together with the Eurocheque card - can be used throughout Europe – at location identified by the red and blue EC symbol. You can use them:

· in banks – to obtain foreign currency

· in retails outlets (hotels, shops, restaurants) to pay for goods and services

How it works

· You obtain your Eurocheque Card plus Eurocheques you need from your bank. (No charge is made for the Eurocheque)

· A fee is charged for your card (which is usually valid for three years).

· Each Eurocheque is valid/guaranteed for a maximum of 100 pounds when presented with a Eurocheque Card.

· You write out each Eurocheque in the local currency.

· Each transaction you make using Eurocheques will be debited to your current/personal account – and will show up on your statement converted into pound sterling.

Credit cards

You can use a credit card abroad in just the same way as here in the UK.

All outlets displaying the Eurocard, “Mastercard or “Visa” symbol will accept any credit cards you have obtained through your bank.

When you use a credit card, the sales voucher you sign is made out in the local currency. It is converted to pounds when the credit card company gets its copy of the sales voucher.



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