银行开户:问清缺的文件、审核时间、费用和外币收款

银行开户Claire · 英国口音 Mark · 英国口音

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。

读一读全文 ↓

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:

  1. 说明来意
  2. 问缺的文件
  3. 问审核和收款
  4. 问费用
  5. 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。

Claire

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
Claire

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
Claire

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

Claire

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
Claire

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)

Claire

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
Claire

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

Claire

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

Mark

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
Mark

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

Mark

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

Claire

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。

免费注册、不用绑卡;免费版每周 2 轮 AI 实时对话和 3 次脚本版练习;做自己的场景、连上自己的 AI 可以免费试用 7 天,试用结束不自动扣费。目前只对身在海外的用户开放,电脑上的 Chrome 体验最好。

还可以练哪些场景?

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。

← 所有练习场景