IELTS Listening: another gap-fill

Listen to the recording and fill each gap in the summary with ONE word only.

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Opening or switching a bank account can seem ______, so it’s important to start by thinking about why you need a bank account. You may need it in order to receive ______ or benefits, to pay ______ bills, to take money out of cash ______, or to make payments using a debit card.

Different types of accounts are available. Current accounts are good for ______ your day-to-day money. They allow you to go ______, so you’ll have to pass a credit check when you apply for one. If you go into the ______ you’ll have to pay fees and ______. Basic bank accounts are similar to current accounts, but they don’t let you go overdrawn.

Comments

[Trinh]

Overwhelming
Wave
Household
Machines
Managing
Overdue
Red
Interest

[Cyril]

1.overwhelming
2.wages
3.household
4.machine
5.managing
6.overdrawn
7.red
8.interest

[sami]

overwhelming
wages
household
machine
managing
overdune !!
red
interest

[sami]

Dear Simon,
Could you please tell me how I can have an access to the audio script of this file? in Which book this listening module is extracted?

[dany]

1.overwhelming
2.wages
3.household
4.machines
5.managing
6.overdrawn
7.red
8.interest

[Philip YANG]

1-overwhelming
2-wage
3-household
4-machines
5-managing
6-overdrawn
7-red
8-interest

[Lài Trần]

1. Overwhelming
2. Wages
3. Household
4. Machines
5. Managing
6. Overdrawn
7. Red
8. Interests

[sherene]

1) overwhelming
2) wages
3) household
4) machine
5) managing
6) overdrawn
7) red
8) interest

[Yuanli]

overwhelming
wages
household
machines
managing
overdrawn
red
interests

[Murad]

overwhelming
wages
household
machines
managing
overdrawn
red
interest

[Phong]

Teacher Simon,
In the sentence: "They allow you to go overdrawn, so you 'll have to pass a credit check when you apply for one."
Could you tell me what "pass" and "one" mean?
Thank you so much.

[mandy]

overwhelming,
wages
household
machine
managing
overdrawn
red
interests

[Vicky jindal]

Overwhelming
Wages
Household
Machines
Managing
Overdrwan
Red
Interest

[Tinh]

1. overwhelming
2. wage
3. household
4. machine
5. managing
6. overdrawn
7. red
8. interests

[Vu Lam]

1- Overwhelming
2- Wages
3- Household
4- Machines
5- Managing
6- Overdrawn
7- Red
8- Interest

[Adib]

Here I transcribed the audio file and found out some useful collocations and phrases:

If you are looking for a bank account either because you want a new one or because you are thinking of switching, it can all seem very overwhelming. Before you look at what the banks and building societies are offering, it’s best to start by thinking about why you need a bank account. Perhaps you need an account to have your wages or benefits paid into and you might want to set up direct debits or standing orders to pay your household bills. You probably want to be able to take money out of cash machines and pay for things with a debit card.

So having decided on the things you need, now it’s the time to look at the types of bank account that are available, and work out which one is best for you. Current accounts are good for managing your day to day money. Your wages or benefits can be paid straight in. You can set up direct debits and standing orders for paying bills. You get a debit card that also lets you take money out of cashpoint and usually get a checkbook too. Most current accounts allow you to go overdrawn. So you’ll have to pass a credit check when you apply for one. If you do go into the red, it’s likely that you’ll pay fees and interest. If there is not enough in your account to cover a direct debit or standing order, you’ll probably have to pay extra charges.

Basic bank accounts give you most of the same things as a current account. Your wages or benefits can be paid straight in. You can set up direct debits and standing orders, and you normally get a debit card that also lets you take money out of cashpoints. The main difference is they don’t let you go overdrawn. So, there is no credit check to pass and no overdraft fees or interests to pay. But they normally do still have charges for a few starting debits and standing orders.

Sth can seem overwhelming: confusing

Building societies: a business that lends you money if you want to buy a house, or pays you interest on money you invest there

To set up direct debits or standing orders

Direct debits: an arrangement for making payments, usually to an organization, in which your bank moves money from your account into the organization's account at regular times

Standing orders: an instruction to a bank to pay a particular amount of money at regular times from a person's bank account to another bank account

To go overdrawn: having taken more money out of your bank account than the account contained, or (of a bank account) having had more money taken from it than was originally in it.

Go into the red: into debt or an unprofitable financial condition

Overdraft fees: an amount of money that a customer with a bank account is temporarily allowed to owe to the bank, or the agreement that allows this.

To work out which one is best for you to: to decide

To take money out of cash machines\cashpoint

Day to day money

[Tae]

1 Overwhelming
2 Wages
3 Household
4 Machines
5 Managing
6 Overdrawn
7 Red
8 Interests

[Ngan]

This is my answer:
1. Overwhelming
2. Wages
3. Household
4. Machine
5. Managing
6. Overdrawn
7. Red
8. Interests

[HMKR]

Very Overwhelming
Wages
Household
Machine
Managing
Overdrawn
Red
Interest

[Mohammad Vicky]

1. Overwhelming
2. Wages
3. Household
4. Machine
5. Managing
6. Overdrawn
7. Red
8. Interest

[NP]

1. very overwhelming
2. wage
3. house hold
4. machines
5. managing
6. overdraw
7. rate
8. interest

[Janahn]

Dear Simon,
Could you please tell me how I can have an access to the audio script of this file? in Which book this listening module is extracted?

[Joan]

overwhelming
wages
household
machines
managing
overdrawn
red
interest

[Simon]

CORRECT ANSWERS FROM SIMON:

1. overwhelming
2. wages
3. household
4. machines
5. managing
6. overdrawn
7. red
8. interest

PS. Did you know the phrases "to go overdrawn" and "to go into the red"?

[Phong]

" to go overdrawn" means we have taken more money out of our bank account than we have in it so we get into debt.
" to go into the red" means to get into debt whose money belongs to the bank. In other words," to go into the red" is a CONSEQUENCE of " to go overdrawn".
PS: Teacher Simon, Could you help me with the question which I mentioned above.
Thank you so much.

[zain]

overwhelming
wages
household
machine
managing
overdrawn
red
interest

[Minhui]

Hi simon. Regardless to the question you uploaded here, I have some questions from IELTS 7, listening test 3. According to script, it was written as 'you can visit the fine 16th century palace here built for the king with its beautiful formal gardens'. The question number 14 is about filling the blanks. It was written as 'has lovely ________'. I wrote 'gardens', however, the answer was 'garden'! I don't get it however I try. Could you explain why the answer is not plural but singular?

[Inoyatillo]

Hi. Simon. I have a really confusing question about listening test. So is it posible to write all answers in capital letters or not??
Note: I have come across some resources which say that it is possible to do so.

[Derek]

1. overwhelming
2. wages
3. household
4. machines
5. managing
6. overdrawn
7. red
8. interest

[Thu Huong]

Overwhelming
Wages
Household
Machines
Managing
Overdrawn
Red
Interest

[ilyas]

overwhelming
wages
household
machines
managing
overdrawn
-
interest

[Md Kamran]

Need tips: I coped up with the excert but didnt capable to manage time. I mean, before writing the first ans the second ans goes straight ahaed.

Should I need to be a faster writer ??

[Ferdian]

1.overwhelming
2.wages
3.household
4.machine
5.managing
6.overdrawn
7.red
8.interests

[Yashar]

The pronunciation of "overdrawn" had me!