银行开户:问清缺的文件、审核时间、费用和外币收款
点「看一看」,Claire 和 Mark 就在这里把这一场演一遍;轮到你开口的 5 个地方会停下来,给你看要说的意思和三种说法。
AI角色、对话和声音都由 AI 生成,只用于练习。
这一场在哪里,发生了什么?
周二上午 10 点,曼彻斯特市中心一家银行网点,你提前约好的企业开户面谈
你刚在英国注册了一家小贸易公司,今天带着材料来银行开企业账户,好收客户货款、付供应商的钱。客户经理 Claire 看完材料,说还缺一份文件,开户还要审核几天。外币的问题,网点主管 Mark 会过来回答。
和谁对话?
- Claire
- 英国口音。客户经理,专业有条理,对材料要求很严
- Mark
- 英国口音。网点主管,随和健谈,负责回答外币收款问题
你要做到什么?
说明来意;问清楚缺的地址证明具体要哪种;问审核要几个工作日、下周到的 8,000 英镑货款能不能先收;问清月费和转账费;问能不能收美元和人民币,以及在深圳的另一位董事能不能视频核验身份。
这一场轮到你开口 5 次:
- 说明来意
- 问缺的文件
- 问审核和收款
- 问费用
- 外币和核验
全文:这一场怎么说?
中英对照,不用注册。每一句都能点「听」,录音就是 App 里这一场的录音,只有角色的台词。轮到你的地方,写着你想说的意思、三种说法和值得记住的说法:能说清是短句,先保证对方听懂;自然是同事平时会说的;高密度更紧凑、信息更多。
Good morning? I'm Claire, I'll be looking after you today. How can I help?
早上好,是吧?我是 Claire,今天由我来接待您。有什么可以帮您?
听懂:looking after you 负责接待你 · How can I help? 有什么可以帮您
轮到你:说明来意
说明约了十点,想给刚注册的公司开企业账户,材料都带来了。
你想说的意思:我约了十点,想给我刚注册的公司开一个企业账户,材料都带来了。
- 能说清Hi, I have a ten o'clock appointment. I want to open a business account. I brought all the paperwork.
- 自然Hi, I've got an appointment at ten. I'd like to open a business account for my new company, and I've brought all the paperwork.
- 高密度Morning, I'm booked in for ten. I've just set up a small trading company, and I'd like to open a business account. I've brought all the paperwork.
| 值得记住的说法 | 中文 |
|---|---|
| I'm booked in for … | 我约了……(时间)英式口语,比 I have an appointment 更自然 |
| I've just set up … | 我刚成立了…… |
| I'd like to open a business account | 我想开一个企业账户I'd like to 比 I want to 客气 |
| I've brought all the paperwork | 材料都带来了paperwork 泛指各种文件材料 |
Lovely. I've been through your documents and most of it's fine. But we're missing proof of address for your registered office.
好的。您的材料我看过了,大部分没问题。不过还缺公司注册地址的证明。
听懂:been through 看过、过了一遍 · proof of address 地址证明 · registered office 公司注册地址
轮到你:问缺的文件
问清地址证明具体要哪种,三个月内的水电账单行不行。
你想说的意思:地址证明具体要哪种?三个月内的水电账单可以吗?
- 能说清What kind of proof do you need? Is a utility bill okay? It's from the last three months.
- 自然What kind of proof do you need exactly? Would a utility bill from the last three months be okay?
- 高密度What exactly counts as proof of address? Would a utility bill from the last three months do the job?
| 值得记住的说法 | 中文 |
|---|---|
| What exactly counts as …? | 具体什么算是……问规定时很好用 |
| proof of address | 地址证明 |
| from the last three months | 最近三个月内的 |
| do the job | 管用、够用口语,比 be acceptable 轻松 |
A utility bill or lease from the last three months is fine, but it must show the company name.
三个月内的水电煤账单或者租约都可以,但上面必须是公司的名字。
听懂:utility bill 水电煤账单 · lease 租约 · must show the company name 必须写公司名
Once we have it, our team runs the checks. Anything else you'd like to ask?
收到之后,我们团队就开始审核。还有别的想问的吗?
听懂:runs the checks 做审核
轮到你:问审核和收款
问审核要几个工作日,期间能不能先收下周到的 8,000 英镑货款。
你想说的意思:审核要几个工作日?下周有一笔 8,000 英镑的货款要到,这期间能先收吗?
- 能说清How many working days is the review? A client will pay me 8,000 pounds next week. Can I receive it?
- 自然How many working days does the review take? I've got eight thousand pounds coming in next week. Can I receive it in the meantime?
- 高密度How long does the review usually take, in working days? I've got an eight-thousand-pound payment coming in next week. Could it land in the account in the meantime?
| 值得记住的说法 | 中文 |
|---|---|
| How long does … usually take | ……一般要多久 |
| working days | 工作日银行、快递都按工作日算 |
| coming in next week | 下周到账come in 指钱进账 |
| in the meantime | 在这期间 |
The checks usually take five to seven working days. I'm afraid the account can't receive any payments until it's open.
审核一般要五到七个工作日。恐怕账户开通前不能收任何款。
听懂:five to seven working days 五到七个工作日 · I'm afraid 恐怕(委婉说坏消息)
So maybe ask your client to pay a little later. Any questions about fees?
所以也许请您的客户晚一点付款。费用方面有什么问题吗?
听懂:pay a little later 晚一点付款 · fees 费用
轮到你:问费用
问月费多少、前 12 个月是不是免费、每笔转账收不收钱。
你想说的意思:月费多少?前 12 个月是不是免费?每笔转账收钱吗?
- 能说清What is the monthly fee? Is it free for the first twelve months? Do you charge for each transfer?
- 自然What's the monthly fee? Is it free for the first twelve months? And do you charge for each transfer?
- 高密度Could you run me through the fees? Is it free for the first twelve months, and is there a charge per transfer?
| 值得记住的说法 | 中文 |
|---|---|
| run me through … | 给我讲一遍……请人逐项说明时用 |
| free for the first twelve months | 前十二个月免费 |
| is there a charge per … | 每……收费吗比 Do I need to pay 更专业 |
| do you charge for … | ……收费吗 |
There's no monthly fee for the first twelve months. After that, it's eight pounds a month.
前十二个月没有月费,之后每月八英镑。
听懂:monthly fee 月费
The first thirty transfers each month are free, then it's thirty pence each. Ah, here's Mark, our branch manager.
每月前三十笔转账免费,之后每笔三十便士。啊,Mark 来了,他是我们网点主管。
听懂:transfers 转账 · thirty pence each 每笔三十便士 · branch manager 网点主管
Hi I'm Mark. Claire says you've got questions about US dollars, renminbi, and an ID check for your other director. Fire away.
您好我是 Mark。Claire 说您想问美元、人民币,还有另一位董事身份核验的事。请说。
听懂:renminbi 人民币 · ID check 身份核验 · Fire away. 尽管问吧
轮到你:外币和核验
问能不能收美元和人民币;另一位董事在深圳,能不能视频核验身份。
你想说的意思:账户能收美元和人民币吗?另一位董事在深圳,能不能视频核验身份?
- 能说清Can I receive US dollars and RMB? The other director is in China. Can they do the ID check by video?
- 自然Can the account take US dollars and renminbi? Also, the other director is in Shenzhen. Can they do the ID check by video?
- 高密度Can we receive payments in US dollars and renminbi? And my co-director's based in Shenzhen, so is there a way to verify their ID by video?
| 值得记住的说法 | 中文 |
|---|---|
| receive payments in … | 用……收款 |
| based in … | 常驻在……说人在哪里工作生活 |
| is there a way to … | 有没有办法……委婉地问能不能变通 |
| verify their ID by video | 视频核验身份their 不分男女 |
We can add a US dollar account alongside your sterling one. Renminbi we can't hold; it's changed into pounds on arrival.
我们可以在英镑账户之外再加一个美元账户。人民币不能直接存,到账时会换成英镑。
听懂:alongside your sterling one 和你的英镑账户并行 · Renminbi 人民币 · on arrival 到账时
And your other director doesn't need to fly over. They can confirm their identity by video through our secure online platform.
另外您的另一位董事不用飞过来,可以通过我们安全的线上平台视频确认身份。
听懂:fly over 坐飞机过来 · confirm their identity 核验身份 · secure online platform 安全的线上平台
I'll send the video link today. Bring in the bill when you can, and we'll take it from there.
我今天把视频链接发过去。账单方便时带过来,然后我们接着办。
听懂:Bring in 带过来 · take it from there 接下来再往下办
没听清、卡住时怎么接?
这一场准备的救场的话:没听清、一时想不起词,先用一句接住,再想内容。
| 英文 | 中文 |
|---|---|
| Sorry, could you say that a bit more slowly? | 抱歉,能说慢一点吗 |
| Could you write that down for me? | 能帮我写下来吗 |
| Just to check I've got it right, … | 确认一下我理解得对不对…… |
| Sorry, give me a second. | 稍等,我想一下 |
在开口前练这一场
读过一遍,再开口说一遍:在开口前打开这一场,Claire 和 Mark 用各自的口音说话,轮到你时停下来等你开口,不限时间;想不起来,提示先给首字母,再给英文说法,最后才给中文。
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还可以练哪些场景?
- 打给税务顾问:问清报税身份、要交的材料和费用美国口音
- 银行贷款咨询:讲清利率、材料和审批时间,不当场承诺尼日利亚口音
- 开放办公区:问清报销被退原因,赶上本月打款英国口音
- 打电话给客户:确认逾期发票,问清付款日期澳大利亚、印度口音
- 催款电话:问清逾期原因,敲定付款日期英国口音
- 打电话给车险公司:报案,问清材料、免赔额和代步车英国口音
这页是怎么写的?
- 内容来源
- 开口前 App 里的练习场景「银行开户:问清缺的文件、审核时间、费用和外币收款」:情境、角色、全文、三种说法和救场的话都是 App 里的原文,录音是 App 里这一场的录音。人名和情节是虚构的。
- AI 的使用
- 角色、对话和声音都由 AI 生成。
- 更新记录
- 2026-11-01 更新。发现错误,写信到 hello@kaikouqian.com。