Unit 2 Toles

to issue a cheque

wystawić czek

eligible applicants

uprawnieni wnioskodawcy

bank account

rachunek bankowy

monthly statement

miesięczny wyciąg

no charges

bez opłat

charges

obciążenia pieniężne, opłaty

ATM machine/ network; cashpoint

bankomat

to withdraw cash

wyciągać pieniądze

straightforward

prosty

to deposit

deponować; wpłacać

deposit

depozyt

transfer

przelew

balance

saldo

statement

wyciąg

arrangement fee

określona opłata

overdraft –

debet

to validate sth –

zatwierdzić coś

bank charges –

opłaty bankowe

demand for payment –

żądanie płatności

credit -

wpłata na konto

to debit –

obciążać (konto w banku)

income –

dochód

outgoings –

wydatki

to lend to sb –

pożyczać komuś

to borrow from sb–

pożyczać od kogoś

to owe (sth to sb) –

być winnym (coś komuś)

automated payment –

automatyczna płatnosć

subject to status –

w zależności od statusu

to be in the red –

być na „minusie”

to go into the red –

zadłużyć się

to be in the black –

być na „plusie”

within –

w przeciągu

open the account with the bank –

otwierać konto w banku

payment card –

karta płatnicza

credit card –

karta kredytowa

receipt –

potwierdzenie transakcji, wydruk, paragon

defaulted –

niewypełniony

shredder –

niszczarka, maszyna do niszczenia dokumentów

foreign currency –

obca waluta

debit card –

karta debetowa

to print off your balance –

wydrukować saldo

to make bank transfers –

robić przelewy bankowe

interest –

odestki

to take out the loan –

wziąć kredyt

borrower –

pożyczkobiorca

lender –

pożyczkodawca

security –

zabezpieczenie

property –

własność

instalments –

raty

to pay by instalments –

płacić w ratach

to process –

rozpatrzyć

confidential –

poufny

to authorise –

upoważniać

to disclose –

ujawniać

to approve –

zaaprobować, przyznać

notify –

poinformować

to enclose –

załączać

to repay –

spłacać

to cancel –

odwołać

to be in arrears –

być zadłużonym

to fall into arrears –

wpaść w długi

nationwide –

w całym kraju

convenient telephone banking –

dogodny serwis bankowy przez telefon

competitive loan rates –

konkurencyjne stopy procentowe

instant decisions on loan –

szybkie decyzje o kredytach

commission –

prowizja

helpline –

infolinia

secure PIN number –

bezpieczny numer PIN

easy paying-in facilities –

łatwe możliwości wpłacania pieniędzy

interest-free –

bez odsetek

single card for debit payments and cash withdrawals –

osobna karta na płatności debetowe i wypłaty gotówki

fraud –

fałszerstwo, oszustwo

to trick –

toszukać

to cancel –

anulować

to purport –

udawać, podszywać się

slip –

pasek papieru

goods –

towary

to run up debts –

zadłużyć się

to be on the blink –

być zepsutym

dependant –

zależny

maiden name –

panieńskie nazwisko

to declare –

deklarować

void –

nieważny

Customer –

klient

to deem –

uznawać, uważać

to attribute –

przypisywać

password –

hasło

user –

użytkownik

online service –

usługa/obsługa przez internet

to inform –

informować

to suspend –

zawieszać

to comply with –

przestrzegać

to process –

rozpatrywać

to render –

powodować, sprawiać

direct debit –

stałe zlecenie

recovery procedures –

procedura odzyskania pieniędzy

outstanding –

zaległy

insufficient –

niewystarczający

to be in default –

zalegać z płatnościami

response –

odpowiedź

to be charged –

być naliczanym

to collect –

odebrać

mortgage –

hipoteka

to be mugged –

zastać napadniętym na ulicy

approximately –

około

fixed-rate –

stała stopa procentowa

account –

rachunek

account manager –

szef /kierownik działu rachunków

to accrue –

narastać

applicant –

wnioskodawca

to apply for –

ubiegać się o

ATM –

bankomat

automated payment –

automatyczna płatność

balance –

saldo

bank account –

rachunek bankowy

bank statement –

wyciąg bankowy

bank transfer –

przelew bankowy

bill –

rachunek

in the black –

na „plusie”

to borrow –

pożyczyć

branch –

oddział

business account –

konto na firmę, rachunek biznesowy

charges –

opłaty, zarzuty

cheque –

czek

chip and PIN –

?

competitive –

konkurencyjny

a credit –

wpłata, kredyt

credit card –

karta kredytowa

credit check –

sprawdzenie kredytu

credit history –

historia kredytowa

currency –

waluta

current account –

bieżący rachunek

debit –

debet

debt –

dług

to default –

nie spłacać, nie wywiązywać się z czegoś

to deposit –

deponować

to be eligible for –

być uprawnionym do

to enclose –

dołączać, załączać

fee –

opłata (zawsze za profesjonalne usługi)

identity theft –

kradzież tożsamości

interest –

procent

interest rate –

stopa procentowa

interest banking –

?

to issue –

wypisać

to lend –

pożyczyć

loan –

kredyt

loan rate –

stopa procentowa od pożyczki

mail –

mail, poczta

marital status –

stan cywilny

notify –

powiadamiac

open an account –

otworzyć konto

outgoings –

wydatki, rozchody

to owe –

być winnym

pay –

płacić

PIN number –

?

process –

rozpatrywać

property (house) –

własność, dom

queue –

kolejka

receipt –

powierdzenie transakcji kartą kredytową

in the red –

„na minusie”

repay –

spłacać

savings account –

konto oszczędnościowe

statement –

oświadczenie, wyciąg bankowy

subject to –

w zależności od

sum –

suma

transfer –

przelew

to validate –

zatwierdzać, legalizować

to withdraw –

wybierać gotówkę

balance –

the amount of money that you have got in your bank account;

to deposit money –

to put money into a bank account;

current account –

bank account that you can use at any time, it’s calles a checking account in the US;

to issue a cheque –

to give a cheque to someone and validate it by signing it;

overdraft –

the amount of the money you can take out of the bank even though your account does not have that much money in it;

bill –

a demand for a payment for goods or services you have received;

fee –

a payment that you have to make to a professional person to do something for you;

to withdraw –

to take money out of a bank account;

to transfer cash –

to move it ellectronically from one bank account to another;

to be eligible for sth –

to be the right kind of person to have sth, e.g. because you are the right age or you have enough money;

bank charges –

payments that you have to make to the bank for using your bank account;

bank statement –

a document that your bank sends to you; it tells you when you deposited money, when you withdrew money and how much you have in the account at the moment;

applicant –

a person who wants to ask for sth like a job or a bank account;

ATM machine/ ATM network –

the machines that give money to bank customers (Automated Telling Machines), in the UK and ATM is called a cashpoint;

automated payment –

a payment that your bank will make every week or every month without needing your permission to do it each time;

straightforward –

simple and easy to understand;

subject to status –

depending on your age or how much money you have, for example;

chip and PIN –

the system of security for using cards which contain a microchip; you have to put your card into a machine and then enter your secret Personal Identification Number (PIN)

to validate sth –

to make sth legally acceptable;

identify theft –

if someone has your address and your credit card or debit card details they can use your money to buy things or even to take money out of your bank account;

shredder –

a machine that cuts documents into tiny pieces so that no one can read them;

credit card receipt –

the piece of paper that proves that you have paid for something with your card;

someone defaults on the loan –

they don’t pay the money back and the bank might have to go to court to try to get its money;

account number –

it’s a personal number that identifies your bank account, no one else has the same number;

branch of the bank –

it’s a local office or bureau of your bank;

ATM machine –

it’s a machine that is often outside a bank, it will give you money from your current account if you put in your debit card and then enter your PIN number;

foreign currency –

each country has its own currency, it’s the money in coins and notes that people use in this country;

debit card –

it’s a card that allows you to withdraw cash from your current account or pay for goods or services electronically by taking money out of your current account;

overdraft –

it’s an amount of money that you owe to the bank because you withdraw more from your current account than you have in it;

loan –

it’s an amount of money that you borrow from the bank for an agreed period of time;

to print off your balance –

to look at how much money you have in your bank account and receive a piece of paper showing that amount, you can do this at the bank’s ATM machines;

to make bank transfers –

to move money electronically from one bank account into another bank account;

interest –

it’s the amount of money that bank charges you for a loan or overdraft, we also pay interest to you on any money you save at your bank;

PIN number –

it’s your personal identification number, this allows you to use your debit card at any ATM or to pay for things with your debit card, you must never tell anyone else this number;

arrears –

money that someone owes to someone and they promised to pay it back by a certain date but didn’t, arrears are always a bad thing, it means you are not paying back your debt on the agreed date;

to accrue –

to grow or accumulate, we use the word accrue to talk about accumulating interest; e.g. interest is accruing on the arrears at a rate of 15%;

to steal –

to take sth that belongs to someone else;

to obtain –

to get possession of sth;

goods –

things that are made to be sold;

to be legitimate –

to be real, genuine, lawful;

property –

building (e.g. a house);

to cancel –

to stop sth or to make sth void;

to check sth –

to look at the details of sth and make sure they are correct;

bank statement –

a document a customer receives from bank giving details of payments in and out of their account;

transaction –

a piece of business;

to purport –

to claim or to declare that sth is true;

receipt –

a piece of paper that proves that I have paid for sth;

password –

the secret word or combination of a word and number known only to a user which is used to confirm their identity and which gives access to the service;

online service –

the system that allows customers to give instructions about their bank account using their computer;

Customer –

the client, the person who holds the account with a bank;

user –

any other person you may have given permission to use the service;

to open a bank account with a bank –

otworzyć konto w banku

to cover your legal costs –

pokrywać koszty prawne

to withdraw money form a bank account –

wypłacać pieniądze z konta

to consolidate your debts –

skonsolidować swoje długi

to be covered by an insurance policy –

zostać pokrytym przez polisę ubezpieczeniową

a loan application –

podanie o pożyczkę/kredyt

a range of services –

wachlarz usług

to make an application for sth –

złożyć podanie o coś

to hold an account with a bank –

mieć konto w banku

to render sth invalid –

spowodować nieważność czegoś

to take steps to do sth –

podjąć kroki

loan rate(s) –

oprocentowanie kredytu

to open an account with a bank –

otworzyć konto w banku;

to be eligible for something –

być uprawnionym do czegoś;

to make a withdrawal from a bank account –

wypłacić pieniądze z konta bankowego;

to be covered by an insurance policy –

zostać pokrytym przez polisę ubezpieczeniową;

to make a telephone call from a certain number or place –

dzwonić z pewnego numeru lub miejsca;

to have a decision within a certain period –

otrzymać decyzję w przeciągu jakiegoś okresu;

to go into the red –

być na „minusie”;

a combination of two or more things –

kombinacja dwóch lub więcej rzeczy;

information that is known to a person –

informacja znana osobie;

to be registered as a particular company name –

być zarejestrowanym pod konkretną nazwą firmy;

to behave in accordance with sth –

zachowywać się zgodnie/w zgodzie z czymś;

to be authorised by someone to do sth –

być uprawnionym przez kogoś do zrobienia czegoś;

to be liable for sth –

być odpowiedzialnym za;

under the circumstances –

w danych okolicznościach

to attribute sth to someone –

przypisywać coś komuś

interest accrues on a debt or loan –

odestki na długi lub na pożyczkę