銀行賬戶(hù)的主要類(lèi)型有哪些
銀行賬戶(hù)的主要類(lèi)型有哪些
銀行賬戶(hù)有兩種這主要類(lèi)型，往來(lái)賬戶(hù)和存款賬戶(hù)。接下來(lái)學(xué)習(xí)啦小編為大家整理了銀行賬戶(hù)的主要類(lèi)型英文介紹，歡迎大家閱讀!
銀行賬戶(hù)的主要類(lèi)型
There are two main types of bank account in a bank: current accounts and deposit accounts. A current account allows you to use a cheque book, but your money doesn't earn interest. There are bank charges for current accounts, but if your account remains in credit you need to pay no charges at all. You must keep a certain amount in credit in your current account to avoid charges. This amount changes from time to time.
銀行賬戶(hù)主要有兩種類(lèi)型：往來(lái)賬戶(hù)和存款賬戶(hù)。往來(lái)賬戶(hù)的客戶(hù)可以使用支票，但銀行不付利息;也有的銀行對(duì)往來(lái)賬戶(hù)收取手續(xù)費(fèi)，但對(duì)有貸方余額的賬戶(hù)是不收費(fèi)的。因此，客戶(hù)要想避免支付手續(xù)費(fèi)，就應(yīng)在往來(lái)賬戶(hù)上保持一定金額的貸方余額。這個(gè)金額往往會(huì)不斷變化。
銀行賬戶(hù)的主要類(lèi)型一
A current account (also called a cheque account) is a convenient and safe method of handling money. Your salary can go straight into your account, and these days more and more people are paid by direct credit instead of in cash. Direct credit means that your employer, or anyone else who wishes to pay you money, can pay the money straight out of their account into yours. Cheques, postal orders and money orders (including International Money Orders) can be paid direct to your account also.
往來(lái)賬戶(hù)(也叫支票賬戶(hù))用于管理資金非常的方便，而且安全。你的薪金可以直接劃到你的賬戶(hù)上，最近，越來(lái)越多的客戶(hù)不用現(xiàn)金支付，而是直接入賬。直接入賬是指你的老板，或任何其他人要付款給你，可以將貨幣直接從他的賬戶(hù)上支付到你的賬戶(hù)上。支票、郵局匯款單和匯票(包括國(guó)際匯票)也可以直接支付到你的賬戶(hù)上。
You can pay your bills by cheque in shops, hotels, airports, restaurants and other places (but not in taxes, for example). You can pay regular bills by direct debit from your account. These regular bills include insurance premiums, rent, rates and hire purchase installments. These regular bills must be for sums of money where the amount remains the same every month during a certain period.
客戶(hù)可以在商店、旅館、機(jī)場(chǎng)、飯店及其他地方(也有例外，如出租車(chē))用支票支付賬單，也可以從你的賬戶(hù)上直接劃款，定期支付賬單。這些定期賬單必須用來(lái)支付貨幣總額，并可以在一段時(shí)期內(nèi)，每個(gè)月支付相同的金額。
You can tell your bank, for example, to pay Monarch Insurance Co. £10 per month on the 21st of every month from now until further notice. The bank will pay this automatically, by banker's order (also called standing order) or direct debit. You don't have to post the cheque to Monarch Insurance Co.; you don't have to travel to their office.
例如，客戶(hù)可以要求銀行從現(xiàn)在起在每個(gè)月的21號(hào)，按月向摩納卡保險(xiǎn)公司支付10美元，直到通知止付時(shí)為止。該行可以用本票(也叫約期付款委托書(shū))，或以直接貸記的方式自動(dòng)支付這筆款項(xiàng)。這樣客戶(hù)就不用向摩納卡保險(xiǎn)公司寄送支票;也不用來(lái)回跑了。
With a current account you have the advantage of a cheque book service, which means that you don't have the risk of carrying large amounts of cash with you. You also know where your money goes and where it comes from, because you get a regular statement from your bank, showing debit and credit entries (or payments and receipts respectively), and the balance. Nowadays banks in the UK do not return your cheque with each statement, so it is advisable to keep a record of transactions on the counterfoil or stub.
有了往來(lái)賬戶(hù)，客戶(hù)就可以享受到支票簿服務(wù)的便利，也就是說(shuō)，客戶(hù)用不著隨身攜帶大量現(xiàn)金，避免了風(fēng)險(xiǎn)?？蛻?hù)還可以了解到款項(xiàng)的去向和來(lái)源，因?yàn)槟憧梢远ㄆ谑盏姐y行的對(duì)賬單，對(duì)賬單表明借記和貸記的金額(或分別顯示收、支金額)，以及余額。目前，英國(guó)銀行在發(fā)送對(duì)賬單時(shí)不附支票，因此，保存好每筆交易記錄的支票存根或票根是明智的。
銀行賬戶(hù)的主要類(lèi)型二
A deposit account earns interest, but it doesn't allow you to use a cheque book. The rate of interest fluctuates. You can withdraw money from a deposit account by giving notice to the bank. This notice is usually seven days.
存款賬戶(hù)有利息，但客戶(hù)不能使用支票提款，利率是浮動(dòng)的?？蛻?hù)從賬戶(hù)上取款，要提前通知銀行，通知的時(shí)間一般為七天。
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